Netwise

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Best credit cards in the US for 2026

Verified Oct 16, 2026USD

Ranked by 3-year value on a family's spending. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

Spending: Family · $3,350/moRank these on my own spending

  1. #1Chase IHG One Rewards Premier

    Chase

    IHG One Rewards Premier

    $150 feeGroceries 5xDining 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $2,010, based on 0.59 cents per point
    Year 2+estimated value, about $1,243, based on 0.59 cents per point

    3 years estimated value, about $4,496, based on 0.59 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $2,010, based on 0.59 cents per point
    Year 2+estimated value, about $1,243, based on 0.59 cents per point
    Welcome or anniversary bonus$1,062 / $295Rewards on spending$963 / $963Credits$135 / $135Fees (taken off the end)−$150 / −$150
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    5x
    Gas
    Gas and EV charging
    5x
    Air
    Flights
    10x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    3x
    Online
    Online shopping
    3x
    Bills
    Phone, internet and utilities
    3x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $4,496 (estimated) after fees.
    2. Year 1. about $2,010 (estimated) = welcome bonus $1,062 + rewards $963 + credits $135 − fee $150.
    3. Each year after. about $1,243 (estimated) = anniversary bonus $295 + rewards $963 + credits $135 − fee $150.
    4. Against #2. Beats Chase Air Canada Aeroplan Card by $634 over 3 years, mostly on welcome bonus (−$548).
    5. Not counted. The anniversary free night is valued at the most points it can cover.

    Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Not counted: The anniversary free night is valued at the most points it can cover.

    Verified Oct 16, 2026Every term and assumption
  2. #2Chase Air Canada Aeroplan Card

    Chase

    Air Canada Aeroplan Card

    $195 feeGroceries 2xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $2,360, based on 1.4 cents per point
    Year 2+estimated value, about $750, based on 1.4 cents per point

    3 years estimated value, about $3,861, based on 1.4 cents per point after fees· pays for itself in month 2Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $2,360, based on 1.4 cents per point
    Year 2+estimated value, about $750, based on 1.4 cents per point
    Welcome or anniversary bonus$1,610 / $0Rewards on spending$890 / $890Credits$55 / $55Fees (taken off the end)−$195 / −$195
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #2 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $3,861 (estimated) after fees.
    2. Year 1. about $2,360 (estimated) = welcome bonus $1,610 + rewards $890 + credits $55 − fee $195.
    3. Each year after. about $750 (estimated) = rewards $890 + credits $55 − fee $195.
    4. Against #1. Trails Chase IHG One Rewards Premier by $634 over 3 years, mostly on welcome bonus (+$548).
    5. Against #3. Beats Chase Marriott Bonvoy Boundless by $545 over 3 years, mostly on rewards on spending (+$726).

    Points valued at 1.40¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  3. #3Chase Marriott Bonvoy Boundless

    Chase

    Marriott Bonvoy Boundless

    $95 feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,698, based on 0.73 cents per point
    Year 2+estimated value, about $809, based on 0.73 cents per point

    3 years estimated value, about $3,316, based on 0.73 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,698, based on 0.73 cents per point
    Year 2+estimated value, about $809, based on 0.73 cents per point
    Welcome or anniversary bonus$1,095 / $256Rewards on spending$648 / $648Credits$50 / $0Fees (taken off the end)−$95 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    6x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #3 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $3,316 (estimated) after fees.
    2. Year 1. about $1,698 (estimated) = welcome bonus $1,095 + rewards $648 + credits $50 − fee $95.
    3. Each year after. about $809 (estimated) = anniversary bonus $256 + rewards $648 − fee $95.
    4. Against #2. Trails Chase Air Canada Aeroplan Card by $545 over 3 years, mostly on rewards on spending (−$726).
    5. Against #4. Beats Chase Sapphire Reserve by $273 over 3 years, mostly on credits (−$2,614).
    6. Not counted. Free Night Awards are valued at the most points each night can cover.

    Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  4. #4Chase Sapphire Reserve

    Chase

    Sapphire Reserve

    $795 feeDining 3xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,681
    Year 2+$681

    3 years $3,043 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,681
    Year 2+$681
    Welcome or anniversary bonus$1,000 / $0Rewards on spending$588 / $588Credits$888 / $888Fees (taken off the end)−$795 / −$795
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    4x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #4 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $3,043 after fees.
    2. Year 1. $1,681 = welcome bonus $1,000 + rewards $588 + credits $888 − fee $795.
    3. Each year after. $681 = rewards $588 + credits $888 − fee $795.
    4. Against #3. Trails Chase Marriott Bonvoy Boundless by $273 over 3 years, mostly on credits (+$2,614).
    5. Against #5. Beats Citi Strata Premier by $178 over 3 years, mostly on credits (+$2,544).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  5. #5Citi Strata Premier

    Citi

    Strata Premier

    $95 feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,355
    Year 2+$755

    3 years $2,865 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,355
    Year 2+$755
    Welcome or anniversary bonus$600 / $0Rewards on spending$810 / $810Credits$40 / $40Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #5 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,865 after fees.
    2. Year 1. $1,355 = welcome bonus $600 + rewards $810 + credits $40 − fee $95.
    3. Each year after. $755 = rewards $810 + credits $40 − fee $95.
    4. Against #4. Trails Chase Sapphire Reserve by $178 over 3 years, mostly on credits (−$2,544).
    5. Against #6. Beats Wells Fargo One Key Card by $23 over 3 years, mostly on welcome bonus (+$350).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  6. #6Wells Fargo One Key Card

    Wells Fargo

    One Key Card

    No annual feeGroceries 3%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,114
    Year 2+$864

    3 years $2,842 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,114
    Year 2+$864
    Welcome or anniversary bonus$250 / $0Rewards on spending$864 / $864Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #6 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,842 after fees.
    2. Year 1. $1,114 = welcome bonus $250 + rewards $864.
    3. Each year after. $864 = rewards $864.
    4. Against #5. Trails Citi Strata Premier by $23 over 3 years, mostly on welcome bonus (−$350).
    5. Against #7. Beats Bank of America Atmos Rewards Ascent by $87 over 3 years, mostly on welcome bonus (−$500).
    Verified Oct 16, 2026Every term and assumption
  7. #7Bank of America Atmos Rewards Ascent

    Bank of America

    Atmos Rewards Ascent

    $95 feeBills 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,418, based on 1.5 cents per point
    Year 2+estimated value, about $668, based on 1.5 cents per point

    3 years estimated value, about $2,755, based on 1.5 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,418, based on 1.5 cents per point
    Year 2+estimated value, about $668, based on 1.5 cents per point
    Welcome or anniversary bonus$750 / $0Rewards on spending$763 / $763Fees (taken off the end)−$95 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #7 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,755 (estimated) after fees.
    2. Year 1. about $1,418 (estimated) = welcome bonus $750 + rewards $763 − fee $95.
    3. Each year after. about $668 (estimated) = rewards $763 − fee $95.
    4. Against #6. Trails Wells Fargo One Key Card by $87 over 3 years, mostly on welcome bonus (+$500).
    5. Against #8. Beats Chase United Quest by $35 over 3 years, mostly on credits (−$978).

    Points valued at 1.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  8. #8Chase United Quest

    Chase

    United Quest

    $350 feeDining 2xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,547, based on 1.2 cents per point
    Year 2+estimated value, about $587, based on 1.2 cents per point

    3 years estimated value, about $2,720, based on 1.2 cents per point after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,547, based on 1.2 cents per point
    Year 2+estimated value, about $587, based on 1.2 cents per point
    Welcome or anniversary bonus$960 / $0Rewards on spending$611 / $611Credits$326 / $326Fees (taken off the end)−$350 / −$350
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #8 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,720 (estimated) after fees.
    2. Year 1. about $1,547 (estimated) = welcome bonus $960 + rewards $611 + credits $326 − fee $350.
    3. Each year after. about $587 (estimated) = rewards $611 + credits $326 − fee $350.
    4. Against #7. Trails Bank of America Atmos Rewards Ascent by $35 over 3 years, mostly on credits (+$978).
    5. Against #9. Beats Citi Double Cash by $108 over 3 years, mostly on annual fees (−$1,050).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  9. #9Citi Double Cash

    Citi

    Double Cash

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,004
    Year 2+$804

    3 years $2,612 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,004
    Year 2+$804
    Welcome or anniversary bonus$200 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #9 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,612 after fees.
    2. Year 1. $1,004 = welcome bonus $200 + rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #8. Trails Chase United Quest by $108 over 3 years, mostly on annual fees (+$1,050).
    5. Against #10. Beats Chase World of Hyatt by $8 over 3 years, mostly on welcome bonus (−$475).
    Verified Oct 16, 2026Every term and assumption
  10. #10Chase World of Hyatt

    Chase

    World of Hyatt

    $95 feeDining 2xFlights 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,318, based on 1.5 cents per point
    Year 2+estimated value, about $643, based on 1.5 cents per point

    3 years estimated value, about $2,604, based on 1.5 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,318, based on 1.5 cents per point
    Year 2+estimated value, about $643, based on 1.5 cents per point
    Welcome or anniversary bonus$675 / $0Rewards on spending$738 / $738Fees (taken off the end)−$95 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    4x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #10 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,604 (estimated) after fees.
    2. Year 1. about $1,318 (estimated) = welcome bonus $675 + rewards $738 − fee $95.
    3. Each year after. about $643 (estimated) = rewards $738 − fee $95.
    4. Against #9. Trails Citi Double Cash by $8 over 3 years, mostly on welcome bonus (+$475).
    5. Against #11. Beats American Express Blue Cash Preferred by $6 over 3 years, mostly on welcome bonus (+$425).
    6. Not counted. The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.

    Points valued at 1.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Not counted: The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value.

    Verified Oct 16, 2026Every term and assumption
  11. #11American Express Blue Cash Preferred

    American Express

    Blue Cash Preferred

    $95 fee · yr 1 freeGroceries 6%Gas 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,096
    Year 2+$751

    3 years $2,598 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,096
    Year 2+$751
    Welcome or anniversary bonus$250 / $0Rewards on spending$798 / $798Credits$48 / $48Fees (taken off the end)-$0 / −$95
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    6%
    Groc
    Groceries
    1%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    3%
    Transit
    Transit and rideshare
    6%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #11 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,598 after fees.
    2. Year 1. $1,096 = welcome bonus $250 + rewards $798 + credits $48.
    3. Each year after. $751 = rewards $798 + credits $48 − fee $95.
    4. Against #10. Trails Chase World of Hyatt by $6 over 3 years, mostly on welcome bonus (−$425).
    5. Against #12. Beats Chase IHG One Rewards by $8 over 3 years, mostly on rewards on spending (+$631).

    Not counted: Some visitors are offered $300; the lowest offer seen is counted (up to $50 more).

    Verified Oct 16, 2026Every term and assumption
  12. #12Chase IHG One Rewards

    Chase

    IHG One Rewards

    No annual feeGroceries 3xDining 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,355, based on 0.59 cents per point
    Year 2+estimated value, about $618, based on 0.59 cents per point

    3 years estimated value, about $2,590, based on 0.59 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,355, based on 0.59 cents per point
    Year 2+estimated value, about $618, based on 0.59 cents per point
    Welcome or anniversary bonus$738 / $0Rewards on spending$588 / $588Credits$30 / $30Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #12 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,590 (estimated) after fees.
    2. Year 1. about $1,355 (estimated) = welcome bonus $738 + rewards $588 + credits $30.
    3. Each year after. about $618 (estimated) = rewards $588 + credits $30.
    4. Against #11. Trails American Express Blue Cash Preferred by $8 over 3 years, mostly on rewards on spending (−$631).
    5. Against #13. Beats Chase United Explorer by $13 over 3 years, mostly on annual fees (+$300).

    Points valued at 0.59¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  13. #13Chase United Explorer

    Chase

    United Explorer

    $150 fee · yr 1 freeDining 2xFlights 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,519, based on 1.2 cents per point
    Year 2+estimated value, about $529, based on 1.2 cents per point

    3 years estimated value, about $2,577, based on 1.2 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,519, based on 1.2 cents per point
    Year 2+estimated value, about $529, based on 1.2 cents per point
    Welcome or anniversary bonus$840 / $0Rewards on spending$576 / $576Credits$103 / $103Fees (taken off the end)-$0 / −$150
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #13 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,577 (estimated) after fees.
    2. Year 1. about $1,519 (estimated) = welcome bonus $840 + rewards $576 + credits $103.
    3. Each year after. about $529 (estimated) = rewards $576 + credits $103 − fee $150.
    4. Against #12. Trails Chase IHG One Rewards by $13 over 3 years, mostly on annual fees (−$300).
    5. Against #14. Beats Chase Sapphire Preferred by $49 over 3 years, mostly on welcome bonus (+$90).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  14. #14Chase Sapphire Preferred

    Chase

    Sapphire Preferred

    $95 feeDining 3xGas 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,343
    Year 2+$593

    3 years $2,528 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,343
    Year 2+$593
    Welcome or anniversary bonus$750 / $0Rewards on spending$604 / $604Credits$84 / $84Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #14 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,528 after fees.
    2. Year 1. $1,343 = welcome bonus $750 + rewards $604 + credits $84 − fee $95.
    3. Each year after. $593 = rewards $604 + credits $84 − fee $95.
    4. Against #13. Trails Chase United Explorer by $49 over 3 years, mostly on welcome bonus (−$90).
    5. Against #15. Beats Wells Fargo Active Cash by $16 over 3 years, mostly on welcome bonus (+$650).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  15. #15Wells Fargo Active Cash

    Wells Fargo

    Active Cash

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$904
    Year 2+$804

    3 years $2,512 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$904
    Year 2+$804
    Welcome or anniversary bonus$100 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #15 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,512 after fees.
    2. Year 1. $904 = welcome bonus $100 + rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #14. Trails Chase Sapphire Preferred by $16 over 3 years, mostly on welcome bonus (−$650).
    5. Against #16. Beats Discover it Cash Back by $59 over 3 years, mostly on welcome bonus (+$100).
    Verified Oct 16, 2026Every term and assumption
  16. #16Discover it Cash Back

    Discover

    it Cash Back

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #16 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #15. Trails Wells Fargo Active Cash by $59 over 3 years, mostly on welcome bonus (−$100).
    5. Against #17. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  17. #17Discover it Secured

    Discover

    it Secured

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #17 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #16. Discover it Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #18. Discover it Student Cash Back is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  18. #18Discover it Student Cash Back

    Discover

    it Student Cash Back

    No annual feeGroceries 5%Dining 5%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,226
    Year 2+$613

    3 years $2,453 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,226
    Year 2+$613
    Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5%
    Groc
    Groceries
    5%
    Dine
    Dining and takeout
    5%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    5%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #18 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
    2. Year 1. $1,226 = rewards $1,226.
    3. Each year after. $613 = rewards $613.
    4. Against #17. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #19. Beats Bank of America Premium Rewards by $15 over 3 years, mostly on welcome bonus (−$600).
    Verified Oct 16, 2026Every term and assumption
  19. #19Bank of America Premium Rewards

    Bank of America

    Premium Rewards

    $95 feeDining 2%Flights 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,213
    Year 2+$613

    3 years $2,438 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,213
    Year 2+$613
    Welcome or anniversary bonus$600 / $0Rewards on spending$645 / $645Credits$63 / $63Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #19 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,438 after fees.
    2. Year 1. $1,213 = welcome bonus $600 + rewards $645 + credits $63 − fee $95.
    3. Each year after. $613 = rewards $645 + credits $63 − fee $95.
    4. Against #18. Trails Discover it Student Cash Back by $15 over 3 years, mostly on welcome bonus (+$600).
    5. Against #20. Beats Discover it Miles by $26 over 3 years, mostly on welcome bonus (+$600).
    Verified Oct 16, 2026Every term and assumption
  20. #20Discover it Miles

    Discover

    it Miles

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,206
    Year 2+$603

    3 years $2,412 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,206
    Year 2+$603
    Rewards on spending$1,206 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #20 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,412 after fees.
    2. Year 1. $1,206 = rewards $1,206.
    3. Each year after. $603 = rewards $603.
    4. Against #19. Trails Bank of America Premium Rewards by $26 over 3 years, mostly on welcome bonus (−$600).
    5. Against #21. U.S. Bank Smartly Visa Signature is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  21. #21U.S. Bank Smartly Visa Signature

    U.S. Bank

    Smartly Visa Signature

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$804
    Year 2+$804

    3 years $2,412 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$804
    Year 2+$804
    Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #21 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,412 after fees.
    2. Year 1. $804 = rewards $804.
    3. Each year after. $804 = rewards $804.
    4. Against #20. Discover it Miles is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #22. Beats Chase Southwest Rapid Rewards Premier by $57 over 3 years, mostly on welcome bonus (−$688).
    Verified Oct 16, 2026Every term and assumption
  22. #22Chase Southwest Rapid Rewards Premier

    Chase

    Southwest Rapid Rewards Premier

    $149 feeGroceries 2xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,194, based on 1.25 cents per point
    Year 2+estimated value, about $581, based on 1.25 cents per point

    3 years estimated value, about $2,356, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,194, based on 1.25 cents per point
    Year 2+estimated value, about $581, based on 1.25 cents per point
    Welcome or anniversary bonus$688 / $75Rewards on spending$625 / $625Credits$30 / $30Fees (taken off the end)−$149 / −$149
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #22 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,356 (estimated) after fees.
    2. Year 1. about $1,194 (estimated) = welcome bonus $688 + rewards $625 + credits $30 − fee $149.
    3. Each year after. about $581 (estimated) = anniversary bonus $75 + rewards $625 + credits $30 − fee $149.
    4. Against #21. Trails U.S. Bank Smartly Visa Signature by $57 over 3 years, mostly on welcome bonus (+$688).
    5. Against #23. Beats U.S. Bank Cash+ by $14 over 3 years, mostly on welcome bonus (+$488).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  23. #23U.S. Bank Cash+

    U.S. Bank

    Cash+

    No annual feeBills 5%Groceries 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$914
    Year 2+$714

    3 years $2,342 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$914
    Year 2+$714
    Welcome or anniversary bonus$200 / $0Rewards on spending$714 / $714Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    5%
    Transit
    Transit and rideshare
    5%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    5%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #23 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,342 after fees.
    2. Year 1. $914 = welcome bonus $200 + rewards $714.
    3. Each year after. $714 = rewards $714.
    4. Against #22. Trails Chase Southwest Rapid Rewards Premier by $14 over 3 years, mostly on welcome bonus (−$488).
    5. Against #24. Beats Capital One Savor by $43 over 3 years, mostly on rewards on spending (+$43).
    Verified Oct 16, 2026Every term and assumption
  24. #24Capital One Savor

    Capital One

    Savor

    No annual feeGroceries 3%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$900
    Year 2+$700

    3 years $2,299 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$900
    Year 2+$700
    Welcome or anniversary bonus$200 / $0Rewards on spending$700 / $700Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    1%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    3%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #24 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,299 after fees.
    2. Year 1. $900 = welcome bonus $200 + rewards $700.
    3. Each year after. $700 = rewards $700.
    4. Against #23. Trails U.S. Bank Cash+ by $43 over 3 years, mostly on rewards on spending (−$43).
    5. Against #25. Beats Chase Freedom Unlimited by $41 over 3 years, mostly on rewards on spending (+$41).
    Verified Oct 16, 2026Every term and assumption
  25. #25Chase Freedom Unlimited

    Chase

    Freedom Unlimited

    No annual feeDining 3xDrugstores 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$886
    Year 2+$686

    3 years $2,257 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$886
    Year 2+$686
    Welcome or anniversary bonus$200 / $0Rewards on spending$686 / $686Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1.5x
    Air
    Flights
    1.5x
    Hotel
    Hotels and car rentals
    1.5x
    Transit
    Transit and rideshare
    1.5x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    1.5x
    Online
    Online shopping
    1.5x
    Bills
    Phone, internet and utilities
    1.5x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #25 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,257 after fees.
    2. Year 1. $886 = welcome bonus $200 + rewards $686.
    3. Each year after. $686 = rewards $686.
    4. Against #24. Trails Capital One Savor by $41 over 3 years, mostly on rewards on spending (−$41).
    5. Against #26. Beats Wells Fargo Autograph Journey by $12 over 3 years, mostly on welcome bonus (−$400).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  26. #26Wells Fargo Autograph Journey

    Wells Fargo

    Autograph Journey

    $95 feeDining 3xFlights 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,149
    Year 2+$549

    3 years $2,246 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,149
    Year 2+$549
    Welcome or anniversary bonus$600 / $0Rewards on spending$604 / $604Credits$40 / $40Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #26 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,246 after fees.
    2. Year 1. $1,149 = welcome bonus $600 + rewards $604 + credits $40 − fee $95.
    3. Each year after. $549 = rewards $604 + credits $40 − fee $95.
    4. Against #25. Trails Chase Freedom Unlimited by $12 over 3 years, mostly on welcome bonus (+$400).
    5. Against #27. Beats Chase Southwest Rapid Rewards Priority by $4 over 3 years, mostly on annual fees (+$402).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  27. #27Chase Southwest Rapid Rewards Priority

    Chase

    Southwest Rapid Rewards Priority

    $229 feeDining 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,185, based on 1.25 cents per point
    Year 2+estimated value, about $529, based on 1.25 cents per point

    3 years estimated value, about $2,242, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,185, based on 1.25 cents per point
    Year 2+estimated value, about $529, based on 1.25 cents per point
    Welcome or anniversary bonus$750 / $94Rewards on spending$634 / $634Credits$30 / $30Fees (taken off the end)−$229 / −$229
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    4x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #27 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,242 (estimated) after fees.
    2. Year 1. about $1,185 (estimated) = welcome bonus $750 + rewards $634 + credits $30 − fee $229.
    3. Each year after. about $529 (estimated) = anniversary bonus $94 + rewards $634 + credits $30 − fee $229.
    4. Against #26. Trails Wells Fargo Autograph Journey by $4 over 3 years, mostly on annual fees (−$402).
    5. Against #28. Beats Chase Freedom Flex by $17 over 3 years, mostly on annual fees (−$687).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  28. #28Chase Freedom Flex

    Chase

    Freedom Flex

    No annual feeDining 5xGroceries 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$908
    Year 2+$658

    3 years $2,225 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$908
    Year 2+$658
    Welcome or anniversary bonus$250 / $0Rewards on spending$658 / $658Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    5x
    Groc
    Groceries
    5x
    Dine
    Dining and takeout
    5x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    5x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    3x
    Drug
    Drugstores
    5x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #28 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,225 after fees.
    2. Year 1. $908 = welcome bonus $250 + rewards $658.
    3. Each year after. $658 = rewards $658.
    4. Against #27. Trails Chase Southwest Rapid Rewards Priority by $17 over 3 years, mostly on annual fees (+$687).
    5. Against #29. Beats Chase Southwest Rapid Rewards Plus by $3 over 3 years, mostly on welcome bonus (−$375).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  29. #29Chase Southwest Rapid Rewards Plus

    Chase

    Southwest Rapid Rewards Plus

    $99 feeGroceries 2xGas 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,132, based on 1.25 cents per point
    Year 2+estimated value, about $545, based on 1.25 cents per point

    3 years estimated value, about $2,222, based on 1.25 cents per point after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,132, based on 1.25 cents per point
    Year 2+estimated value, about $545, based on 1.25 cents per point
    Welcome or anniversary bonus$625 / $38Rewards on spending$576 / $576Credits$30 / $30Fees (taken off the end)−$99 / −$99
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #29 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,222 (estimated) after fees.
    2. Year 1. about $1,132 (estimated) = welcome bonus $625 + rewards $576 + credits $30 − fee $99.
    3. Each year after. about $545 (estimated) = anniversary bonus $38 + rewards $576 + credits $30 − fee $99.
    4. Against #28. Trails Chase Freedom Flex by $3 over 3 years, mostly on welcome bonus (+$375).
    5. Against #30. Beats American Express Blue Cash Everyday by $9 over 3 years, mostly on welcome bonus (+$475).

    Points valued at 1.25¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  30. #30American Express Blue Cash Everyday

    American Express

    Blue Cash Everyday

    No annual feeGroceries 3%Online 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$838
    Year 2+$688

    3 years $2,213 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$838
    Year 2+$688
    Welcome or anniversary bonus$150 / $0Rewards on spending$654 / $654Credits$34 / $34Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3%
    Groc
    Groceries
    1%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #30 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,213 after fees.
    2. Year 1. $838 = welcome bonus $150 + rewards $654 + credits $34.
    3. Each year after. $688 = rewards $654 + credits $34.
    4. Against #29. Trails Chase Southwest Rapid Rewards Plus by $9 over 3 years, mostly on welcome bonus (−$475).
    5. Against #31. Beats Wells Fargo Choice Privileges Mastercard by $21 over 3 years, mostly on welcome bonus (−$300).

    Not counted: Some visitors are offered $200; the lowest offer seen is counted (up to $50 more).

    Verified Oct 16, 2026Every term and assumption
  31. #31Wells Fargo Choice Privileges Mastercard

    Wells Fargo

    Choice Privileges Mastercard

    No annual feeGroceries 3xBills 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,031, based on 0.75 cents per point
    Year 2+estimated value, about $581, based on 0.75 cents per point

    3 years estimated value, about $2,192, based on 0.75 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,031, based on 0.75 cents per point
    Year 2+estimated value, about $581, based on 0.75 cents per point
    Welcome or anniversary bonus$450 / $0Rewards on spending$581 / $581Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    5x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    3x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #31 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,192 (estimated) after fees.
    2. Year 1. about $1,031 (estimated) = welcome bonus $450 + rewards $581.
    3. Each year after. about $581 (estimated) = rewards $581.
    4. Against #30. Trails American Express Blue Cash Everyday by $21 over 3 years, mostly on welcome bonus (+$300).
    5. Against #32. Beats Citi Strata by $21 over 3 years, mostly on welcome bonus (+$450).

    Points valued at 0.75¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  32. #32Citi Strata

    Citi

    Strata

    No annual feeGroceries 3xDining 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$724
    Year 2+$724

    3 years $2,171 after fees· no fee to coverBonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$724
    Year 2+$724
    Rewards on spending$724 / $724Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    3x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #32 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,171 after fees.
    2. Year 1. $724 = rewards $724.
    3. Each year after. $724 = rewards $724.
    4. Against #31. Trails Wells Fargo Choice Privileges Mastercard by $21 over 3 years, mostly on welcome bonus (−$450).
    5. Against #33. Beats Wells Fargo Autograph by $52 over 3 years, mostly on rewards on spending (+$252).
    6. Not counted. Welcome offer not counted: Bonus points after a spending requirement; the amounts don't load on Citi's page.

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  33. #33Wells Fargo Autograph

    Wells Fargo

    Autograph

    No annual feeDining 3xGas 3x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$840
    Year 2+$640

    3 years $2,119 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$840
    Year 2+$640
    Welcome or anniversary bonus$200 / $0Rewards on spending$640 / $640Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    3x
    Dine
    Dining and takeout
    3x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    3x
    Transit
    Transit and rideshare
    3x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #33 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,119 after fees.
    2. Year 1. $840 = welcome bonus $200 + rewards $640.
    3. Each year after. $640 = rewards $640.
    4. Against #32. Trails Citi Strata by $52 over 3 years, mostly on rewards on spending (−$252).
    5. Against #34. Beats Chase United Gateway by $30 over 3 years, mostly on rewards on spending (+$310).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  34. #34Chase United Gateway

    Chase

    United Gateway

    No annual feeGas 2xFlights 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,016, based on 1.2 cents per point
    Year 2+estimated value, about $536, based on 1.2 cents per point

    3 years estimated value, about $2,089, based on 1.2 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,016, based on 1.2 cents per point
    Year 2+estimated value, about $536, based on 1.2 cents per point
    Welcome or anniversary bonus$480 / $0Rewards on spending$536 / $536Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #34 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,089 (estimated) after fees.
    2. Year 1. about $1,016 (estimated) = welcome bonus $480 + rewards $536.
    3. Each year after. about $536 (estimated) = rewards $536.
    4. Against #33. Trails Wells Fargo Autograph by $30 over 3 years, mostly on rewards on spending (−$310).
    5. Against #35. Beats Bank of America Travel Rewards by $30 over 3 years, mostly on welcome bonus (+$230).

    Points valued at 1.20¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  35. #35Bank of America Travel Rewards

    Bank of America

    Travel Rewards

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$853
    Year 2+$603

    3 years $2,059 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$853
    Year 2+$603
    Welcome or anniversary bonus$250 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #35 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,059 after fees.
    2. Year 1. $853 = welcome bonus $250 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #34. Trails Chase United Gateway by $30 over 3 years, mostly on welcome bonus (−$230).
    5. Against #36. Bank of America Unlimited Cash Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  36. #36Bank of America Unlimited Cash Rewards

    Bank of America

    Unlimited Cash Rewards

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$853
    Year 2+$603

    3 years $2,059 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$853
    Year 2+$603
    Welcome or anniversary bonus$250 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #36 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,059 after fees.
    2. Year 1. $853 = welcome bonus $250 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #35. Bank of America Travel Rewards is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #37. Beats Bank of America Customized Cash Rewards by $29 over 3 years, mostly on welcome bonus (+$50).
    Verified Oct 16, 2026Every term and assumption
  37. #37Bank of America Customized Cash Rewards

    Bank of America

    Customized Cash Rewards

    No annual feeGroceries 2%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$930
    Year 2+$550

    3 years $2,030 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$930
    Year 2+$550
    Welcome or anniversary bonus$200 / $0Rewards on spending$730 / $550Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    3%
    Gas
    Gas and EV charging
    3%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    3%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #37 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,030 after fees.
    2. Year 1. $930 = welcome bonus $200 + rewards $730.
    3. Each year after. $550 = rewards $550.
    4. Against #36. Trails Bank of America Unlimited Cash Rewards by $29 over 3 years, mostly on welcome bonus (−$50).
    5. Against #38. Beats Chase British Airways Visa Signature by $9 over 3 years, mostly on welcome bonus (−$625).
    Verified Oct 16, 2026Every term and assumption
  38. #38Chase British Airways Visa Signature

    Chase

    British Airways Visa Signature

    $95 feeFlights 3xHotels 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $1,205, based on 1.1 cents per point
    Year 2+estimated value, about $408, based on 1.1 cents per point

    3 years estimated value, about $2,021, based on 1.1 cents per point after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $1,205, based on 1.1 cents per point
    Year 2+estimated value, about $408, based on 1.1 cents per point
    Welcome or anniversary bonus$825 / $28Rewards on spending$475 / $475Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #38 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,021 (estimated) after fees.
    2. Year 1. about $1,205 (estimated) = welcome bonus $825 + rewards $475 − fee $95.
    3. Each year after. about $408 (estimated) = anniversary bonus $28 + rewards $475 − fee $95.
    4. Against #37. Trails Bank of America Customized Cash Rewards by $9 over 3 years, mostly on welcome bonus (+$625).
    5. Against #39. Beats Capital One Quicksilver by $12 over 3 years, mostly on welcome bonus (+$625).

    Points valued at 1.10¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  39. #39Capital One Quicksilver

    Capital One

    Quicksilver

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$803
    Year 2+$603

    3 years $2,009 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$803
    Year 2+$603
    Welcome or anniversary bonus$200 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #39 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,009 after fees.
    2. Year 1. $803 = welcome bonus $200 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #38. Trails Chase British Airways Visa Signature by $12 over 3 years, mostly on welcome bonus (−$625).
    5. Against #40. Beats Citi Costco Anywhere Visa by $65 over 3 years, mostly on welcome bonus (+$200).
    Verified Oct 16, 2026Every term and assumption
  40. #40Citi Costco Anywhere Visa

    Citi

    Costco Anywhere Visa

    No annual feeDining 3%Gas 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$648
    Year 2+$648

    3 years $1,944 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$648
    Year 2+$648
    Rewards on spending$648 / $648Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    4%
    Gas
    Gas and EV charging
    3%
    Air
    Flights
    3%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #40 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,944 after fees.
    2. Year 1. $648 = rewards $648.
    3. Each year after. $648 = rewards $648.
    4. Against #39. Trails Capital One Quicksilver by $65 over 3 years, mostly on welcome bonus (−$200).
    5. Against #41. Beats Chase Freedom Rise by $110 over 3 years, mostly on rewards on spending (+$135).
    Verified Oct 16, 2026Every term and assumption
  41. #41Chase Freedom Rise

    Chase

    Freedom Rise

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$628
    Year 2+$603

    3 years $1,834 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$628
    Year 2+$603
    Welcome or anniversary bonus$25 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    1.5x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1.5x
    Air
    Flights
    1.5x
    Hotel
    Hotels and car rentals
    1.5x
    Transit
    Transit and rideshare
    1.5x
    Stream
    Streaming
    1.5x
    Drug
    Drugstores
    1.5x
    Online
    Online shopping
    1.5x
    Bills
    Phone, internet and utilities
    1.5x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #41 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,834 after fees.
    2. Year 1. $628 = welcome bonus $25 + rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #40. Trails Citi Costco Anywhere Visa by $110 over 3 years, mostly on rewards on spending (−$135).
    5. Against #42. Beats Chase DoorDash Rewards Mastercard by $9 over 3 years, mostly on welcome bonus (+$25).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  42. #42Chase DoorDash Rewards Mastercard

    Chase

    DoorDash Rewards Mastercard

    No annual feeGroceries 2%Dining 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$608
    Year 2+$608

    3 years $1,825 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$608
    Year 2+$608
    Rewards on spending$608 / $608Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    4%
    Dine
    Dining and takeout
    1%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #42 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,825 after fees.
    2. Year 1. $608 = rewards $608.
    3. Each year after. $608 = rewards $608.
    4. Against #41. Trails Chase Freedom Rise by $9 over 3 years, mostly on welcome bonus (−$25).
    5. Against #43. Beats Chase Prime Visa by $1 over 3 years, mostly on rewards on spending (+$151).
    Verified Oct 16, 2026Every term and assumption
  43. #43Chase Prime Visa

    Chase

    Prime Visa

    No annual feeOnline 5%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$708
    Year 2+$558

    3 years $1,824 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$708
    Year 2+$558
    Welcome or anniversary bonus$150 / $0Rewards on spending$558 / $558Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    5%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #43 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,824 after fees.
    2. Year 1. $708 = welcome bonus $150 + rewards $558.
    3. Each year after. $558 = rewards $558.
    4. Against #42. Trails Chase DoorDash Rewards Mastercard by $1 over 3 years, mostly on rewards on spending (−$151).
    5. Against #44. Beats Capital One Quicksilver Secured by $15 over 3 years, mostly on welcome bonus (+$150).
    Verified Oct 16, 2026Every term and assumption
  44. #44Capital One Quicksilver Secured

    Capital One

    Quicksilver Secured

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$603
    Year 2+$603

    3 years $1,809 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$603
    Year 2+$603
    Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #44 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,809 after fees.
    2. Year 1. $603 = rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #43. Trails Chase Prime Visa by $15 over 3 years, mostly on welcome bonus (−$150).
    5. Against #45. Goldman Sachs Apple Card is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  45. #45Goldman Sachs Apple Card

    Goldman Sachs

    Apple Card

    No annual feeGroceries 2%Dining 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$603
    Year 2+$603

    3 years $1,809 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$603
    Year 2+$603
    Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    2%
    Air
    Flights
    2%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    2%
    Drug
    Drugstores
    2%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    2%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #45 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,809 after fees.
    2. Year 1. $603 = rewards $603.
    3. Each year after. $603 = rewards $603.
    4. Against #44. Capital One Quicksilver Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #46. Beats Discover it Chrome by $41 over 3 years, mostly on rewards on spending (+$41).
    Verified Oct 16, 2026Every term and assumption
  46. #46Discover it Chrome

    Discover

    it Chrome

    No annual feeDining 2%Gas 2%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$884
    Year 2+$442

    3 years $1,768 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$884
    Year 2+$442
    Rewards on spending$884 / $442Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    1%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #46 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,768 after fees.
    2. Year 1. $884 = rewards $884.
    3. Each year after. $442 = rewards $442.
    4. Against #45. Trails Goldman Sachs Apple Card by $41 over 3 years, mostly on rewards on spending (−$41).
    5. Against #47. Beats Capital One QuicksilverOne by $76 over 3 years, mostly on annual fees (+$117).
    Verified Oct 16, 2026Every term and assumption
  47. #47Capital One QuicksilverOne

    Capital One

    QuicksilverOne

    $39 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$564
    Year 2+$564

    3 years $1,692 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$564
    Year 2+$564
    Rewards on spending$603 / $603Fees (taken off the end)−$39 / −$39
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5%
    Groc
    Groceries
    1.5%
    Dine
    Dining and takeout
    1.5%
    Gas
    Gas and EV charging
    1.5%
    Air
    Flights
    1.5%
    Hotel
    Hotels and car rentals
    1.5%
    Transit
    Transit and rideshare
    1.5%
    Stream
    Streaming
    1.5%
    Drug
    Drugstores
    1.5%
    Online
    Online shopping
    1.5%
    Bills
    Phone, internet and utilities
    1.5%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #47 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,692 after fees.
    2. Year 1. $564 = rewards $603 − fee $39.
    3. Each year after. $564 = rewards $603 − fee $39.
    4. Against #46. Trails Discover it Chrome by $76 over 3 years, mostly on annual fees (−$117).
    5. Against #48. Beats Chase Amazon Visa by $76 over 3 years, mostly on rewards on spending (+$243).
    Verified Oct 16, 2026Every term and assumption
  48. #48Chase Amazon Visa

    Chase

    Amazon Visa

    No annual feeDining 2%Online 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$572
    Year 2+$522

    3 years $1,616 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$572
    Year 2+$522
    Welcome or anniversary bonus$50 / $0Rewards on spending$522 / $522Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    2%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    3%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #48 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,616 after fees.
    2. Year 1. $572 = welcome bonus $50 + rewards $522.
    3. Each year after. $522 = rewards $522.
    4. Against #47. Trails Capital One QuicksilverOne by $76 over 3 years, mostly on rewards on spending (−$243).
    5. Against #49. Beats Chase Marriott Bonvoy Bold by $55 over 3 years, mostly on rewards on spending (+$333).
    Verified Oct 16, 2026Every term and assumption
  49. #49Chase Marriott Bonvoy Bold

    Chase

    Marriott Bonvoy Bold

    No annual feeGroceries 2xBills 2x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1estimated value, about $739, based on 0.73 cents per point
    Year 2+estimated value, about $411, based on 0.73 cents per point

    3 years estimated value, about $1,561, based on 0.73 cents per point after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1estimated value, about $739, based on 0.73 cents per point
    Year 2+estimated value, about $411, based on 0.73 cents per point
    Welcome or anniversary bonus$329 / $0Rewards on spending$411 / $411Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    3x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #49 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $1,561 (estimated) after fees.
    2. Year 1. about $739 (estimated) = welcome bonus $329 + rewards $411.
    3. Each year after. about $411 (estimated) = rewards $411.
    4. Against #48. Trails Chase Amazon Visa by $55 over 3 years, mostly on rewards on spending (−$333).
    5. Against #50. Beats Capital One Venture by $43 over 3 years, mostly on annual fees (+$285).

    Points valued at 0.73¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  50. #50Capital One Venture

    Capital One

    Venture

    $95 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$856
    Year 2+$331

    3 years $1,518 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$856
    Year 2+$331
    Welcome or anniversary bonus$375 / $0Rewards on spending$402 / $402Credits$174 / $24Fees (taken off the end)−$95 / −$95
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #50 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,518 after fees.
    2. Year 1. $856 = welcome bonus $375 + rewards $402 + credits $174 − fee $95.
    3. Each year after. $331 = rewards $402 + credits $24 − fee $95.
    4. Against #49. Trails Chase Marriott Bonvoy Bold by $43 over 3 years, mostly on annual fees (−$285).
    5. Against #51. Beats American Express Platinum Card by $49 over 3 years, mostly on credits (−$3,079).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  51. #51American Express Platinum Card

    American Express

    Platinum Card

    $895 feeFlights 5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$490
    Year 2+$490

    3 years $1,469 after fees· pays for itself in month 8Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$490
    Year 2+$490
    Rewards on spending$284 / $284Credits$1,100 / $1,100Fees (taken off the end)−$895 / −$895
    Pays for itself in month 8 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    5x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #51 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,469 after fees.
    2. Year 1. $490 = rewards $284 + credits $1,100 − fee $895.
    3. Each year after. $490 = rewards $284 + credits $1,100 − fee $895.
    4. Against #50. Trails Capital One Venture by $49 over 3 years, mostly on credits (+$3,079).
    5. Against #52. Beats Capital One Venture X by $181 over 3 years, mostly on credits (+$2,509).
    6. Not counted. Welcome offer not counted: American Express shows the welcome offer only after you apply.

    Points valued at 0.60¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  52. #52Capital One Venture X

    Capital One

    Venture X

    $395 fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$646
    Year 2+$321

    3 years $1,288 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$646
    Year 2+$321
    Welcome or anniversary bonus$375 / $50Rewards on spending$402 / $402Credits$264 / $264Fees (taken off the end)−$395 / −$395
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    2x
    Groc
    Groceries
    2x
    Dine
    Dining and takeout
    2x
    Gas
    Gas and EV charging
    2x
    Air
    Flights
    2x
    Hotel
    Hotels and car rentals
    2x
    Transit
    Transit and rideshare
    2x
    Stream
    Streaming
    2x
    Drug
    Drugstores
    2x
    Online
    Online shopping
    2x
    Bills
    Phone, internet and utilities
    2x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #52 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,288 after fees.
    2. Year 1. $646 = welcome bonus $375 + rewards $402 + credits $264 − fee $395.
    3. Each year after. $321 = anniversary bonus $50 + rewards $402 + credits $264 − fee $395.
    4. Against #51. Trails American Express Platinum Card by $181 over 3 years, mostly on credits (−$2,509).
    5. Against #53. Beats American Express Gold Card by $39 over 3 years, mostly on welcome bonus (+$375).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  53. #53American Express Gold Card

    American Express

    Gold Card

    $325 feeGroceries 4xDining 4x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$416
    Year 2+$416

    3 years $1,249 after fees· pays for itself in month 6Bonus not counted

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$416
    Year 2+$416
    Rewards on spending$522 / $522Credits$219 / $219Fees (taken off the end)−$325 / −$325
    Pays for itself in month 6 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    4x
    Groc
    Groceries
    4x
    Dine
    Dining and takeout
    1x
    Gas
    Gas and EV charging
    3x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #53 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $1,249 after fees.
    2. Year 1. $416 = rewards $522 + credits $219 − fee $325.
    3. Each year after. $416 = rewards $522 + credits $219 − fee $325.
    4. Against #52. Trails Capital One Venture X by $39 over 3 years, mostly on welcome bonus (−$375).
    5. Against #54. Beats Capital One VentureOne by $395 over 3 years, mostly on annual fees (−$975).
    6. Not counted. Welcome offer not counted: American Express shows the welcome offer only after you apply.

    Points valued at 0.60¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  54. #54Capital One VentureOne

    Capital One

    VentureOne

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$351
    Year 2+$251

    3 years $854 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$351
    Year 2+$251
    Welcome or anniversary bonus$100 / $0Rewards on spending$251 / $251Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    1.25x
    Groc
    Groceries
    1.25x
    Dine
    Dining and takeout
    1.25x
    Gas
    Gas and EV charging
    1.25x
    Air
    Flights
    1.25x
    Hotel
    Hotels and car rentals
    1.25x
    Transit
    Transit and rideshare
    1.25x
    Stream
    Streaming
    1.25x
    Drug
    Drugstores
    1.25x
    Online
    Online shopping
    1.25x
    Bills
    Phone, internet and utilities
    1.25x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #54 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $854 after fees.
    2. Year 1. $351 = welcome bonus $100 + rewards $251.
    3. Each year after. $251 = rewards $251.
    4. Against #53. Trails American Express Gold Card by $395 over 3 years, mostly on annual fees (+$975).
    5. Against #55. Beats Bank of America BankAmericard by $854 over 3 years, mostly on rewards on spending (+$754).

    Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption
  55. #55Bank of America BankAmericard

    Bank of America

    BankAmericard

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #55 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #54. Trails Capital One VentureOne by $854 over 3 years, mostly on rewards on spending (−$754).
    5. Against #56. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  56. #56Capital One Platinum

    Capital One

    Platinum

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #56 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #55. Bank of America BankAmericard is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #57. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  57. #57Chase Slate

    Chase

    Slate

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #57 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #56. Capital One Platinum is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #58. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  58. #58Chase Slate Edge

    Chase

    Slate Edge

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #58 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #57. Chase Slate is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    5. Against #59. Wells Fargo Reflect is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption
  59. #59Wells Fargo Reflect

    Wells Fargo

    Reflect

    No annual fee
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$0
    Year 2+$0

    3 years $0 after fees· no fee to cover

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$0
    Year 2+$0
    Fees (taken off the end)-$0 / -$0
    No annual fee
    Year 1Year 2Year 3

    Earn rate by category

    0%
    Groc
    Groceries
    0%
    Dine
    Dining and takeout
    0%
    Gas
    Gas and EV charging
    0%
    Air
    Flights
    0%
    Hotel
    Hotels and car rentals
    0%
    Transit
    Transit and rideshare
    0%
    Stream
    Streaming
    0%
    Drug
    Drugstores
    0%
    Online
    Online shopping
    0%
    Bills
    Phone, internet and utilities
    0%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #59 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
    2. Year 1. $0 = nothing.
    3. Each year after. $0 = nothing.
    4. Against #58. Chase Slate Edge is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

More best-of lists

The ranking in numbers

Family preset, $3,350 a month, after fees. "~" marks estimates.

CardYear 1Year 2+3 years
Chase IHG One Rewards Premier~$2,010~$1,243~$4,496
Chase Air Canada Aeroplan Card~$2,360~$750~$3,861
Chase Marriott Bonvoy Boundless~$1,698~$809~$3,316
Chase Sapphire Reserve$1,681$681$3,043
Citi Strata Premier$1,355$755$2,865
Wells Fargo One Key Card$1,114$864$2,842
Bank of America Atmos Rewards Ascent~$1,418~$668~$2,755
Chase United Quest~$1,547~$587~$2,720
Citi Double Cash$1,004$804$2,612
Chase World of Hyatt~$1,318~$643~$2,604

Frequently asked questions

What are the best credit cards?

On family spending ($3,350 a month), Chase IHG One Rewards Premier ranks first: ~$2,010 in year 1 and ~$1,243 a year after fees.

How were these cards picked?

Ranked by 3-year value on a family's spending. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.

Will the order be the same for me?

Only if you spend like the preset. Spending more in a card's bonus categories moves it up. Set your own numbers in the tool to see your order.

Sources

Estimates for information only; not financial advice. See how cards are ranked.