Best travel credit cards in the US for 2026
Verified Oct 16, 2026USD
Travel cards ranked by 3-year value on a frequent traveller'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: Frequent traveller · $3,880/moRank these on my own spending
- #1
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 $2,232, based on 0.59 cents per pointYear 2+estimated value, about $1,465, based on 0.59 cents per point3 years estimated value, about $5,163, based on 0.59 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $2,232, based on 0.59 cents per pointYear 2+estimated value, about $1,465, based on 0.59 cents per pointWelcome or anniversary bonus$1,062 / $295Rewards on spending$1,185 / $1,185Credits$135 / $135Fees (taken off the end)−$150 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout5xGasGas and EV charging5xAirFlights10xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming3xDrugDrugstores3xOnlineOnline shopping3xBillsPhone, internet and utilities3xOtherEverything elseWhy it's ranked here
- Ranked #1 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $5,163 (estimated) after fees.
- Year 1. about $2,232 (estimated) = welcome bonus $1,062 + rewards $1,185 + credits $135 − fee $150.
- Each year after. about $1,465 (estimated) = anniversary bonus $295 + rewards $1,185 + credits $135 − fee $150.
- Against #2. Beats Chase Air Canada Aeroplan Card by $379 over 3 years, mostly on welcome bonus (−$548).
- 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
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 $2,668, based on 1.4 cents per pointYear 2+estimated value, about $1,058, based on 1.4 cents per point3 years estimated value, about $4,784, based on 1.4 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $2,668, based on 1.4 cents per pointYear 2+estimated value, about $1,058, based on 1.4 cents per pointWelcome or anniversary bonus$1,610 / $0Rewards on spending$1,198 / $1,198Credits$55 / $55Fees (taken off the end)−$195 / −$195 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #2 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $4,784 (estimated) after fees.
- Year 1. about $2,668 (estimated) = welcome bonus $1,610 + rewards $1,198 + credits $55 − fee $195.
- Each year after. about $1,058 (estimated) = rewards $1,198 + credits $55 − fee $195.
- Against #1. Trails Chase IHG One Rewards Premier by $379 over 3 years, mostly on welcome bonus (+$548).
- Against #3. Beats Chase Sapphire Reserve by $596 over 3 years, mostly on credits (−$2,499).
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
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$2,063Year 2+$1,0633 years $4,188 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$2,063Year 2+$1,063Welcome or anniversary bonus$1,000 / $0Rewards on spending$970 / $970Credits$888 / $888Fees (taken off the end)−$795 / −$795 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout1xGasGas and EV charging4xAirFlights4xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #3 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $4,188 after fees.
- Year 1. $2,063 = welcome bonus $1,000 + rewards $970 + credits $888 − fee $795.
- Each year after. $1,063 = rewards $970 + credits $888 − fee $795.
- Against #2. Trails Chase Air Canada Aeroplan Card by $596 over 3 years, mostly on credits (+$2,499).
- Against #4. Beats Chase Marriott Bonvoy Boundless by $436 over 3 years, mostly on credits (+$2,614).
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 - #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 1estimated value, about $1,844, based on 0.73 cents per pointYear 2+estimated value, about $954, based on 0.73 cents per point3 years estimated value, about $3,752, based on 0.73 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,844, based on 0.73 cents per pointYear 2+estimated value, about $954, based on 0.73 cents per pointWelcome or anniversary bonus$1,095 / $256Rewards on spending$794 / $794Credits$50 / $0Fees (taken off the end)−$95 / −$95 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights6xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #4 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $3,752 (estimated) after fees.
- Year 1. about $1,844 (estimated) = welcome bonus $1,095 + rewards $794 + credits $50 − fee $95.
- Each year after. about $954 (estimated) = anniversary bonus $256 + rewards $794 − fee $95.
- Against #3. Trails Chase Sapphire Reserve by $436 over 3 years, mostly on credits (−$2,614).
- Against #5. Beats Chase United Quest by $155 over 3 years, mostly on credits (−$928).
- 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 - #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 1estimated value, about $1,839, based on 1.2 cents per pointYear 2+estimated value, about $879, based on 1.2 cents per point3 years estimated value, about $3,597, based on 1.2 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,839, based on 1.2 cents per pointYear 2+estimated value, about $879, based on 1.2 cents per pointWelcome or anniversary bonus$960 / $0Rewards on spending$903 / $903Credits$326 / $326Fees (taken off the end)−$350 / −$350 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging4xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #5 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $3,597 (estimated) after fees.
- Year 1. about $1,839 (estimated) = welcome bonus $960 + rewards $903 + credits $326 − fee $350.
- Each year after. about $879 (estimated) = rewards $903 + credits $326 − fee $350.
- Against #4. Trails Chase Marriott Bonvoy Boundless by $155 over 3 years, mostly on credits (+$928).
- Against #6. Beats Chase World of Hyatt by $58 over 3 years, mostly on credits (+$978).
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 - #6
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 $1,629, based on 1.5 cents per pointYear 2+estimated value, about $954, based on 1.5 cents per point3 years estimated value, about $3,538, based on 1.5 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,629, based on 1.5 cents per pointYear 2+estimated value, about $954, based on 1.5 cents per pointWelcome or anniversary bonus$675 / $0Rewards on spending$1,049 / $1,049Fees (taken off the end)−$95 / −$95 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging2xAirFlights4xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #6 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $3,538 (estimated) after fees.
- Year 1. about $1,629 (estimated) = welcome bonus $675 + rewards $1,049 − fee $95.
- Each year after. about $954 (estimated) = rewards $1,049 − fee $95.
- Against #5. Trails Chase United Quest by $58 over 3 years, mostly on credits (−$978).
- Against #7. Beats Wells Fargo Autograph Journey by $18 over 3 years, mostly on credits (−$120).
- 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 - #7
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$1,573Year 2+$9733 years $3,520 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,573Year 2+$973Welcome or anniversary bonus$600 / $0Rewards on spending$1,028 / $1,028Credits$40 / $40Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout1xGasGas and EV charging4xAirFlights5xHotelHotels and car rentals3xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #7 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $3,520 after fees.
- Year 1. $1,573 = welcome bonus $600 + rewards $1,028 + credits $40 − fee $95.
- Each year after. $973 = rewards $1,028 + credits $40 − fee $95.
- Against #6. Trails Chase World of Hyatt by $18 over 3 years, mostly on credits (+$120).
- Against #8. Beats Citi Strata Premier by $68 over 3 years, mostly on rewards on spending (+$68).
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 - #8
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$1,551Year 2+$9513 years $3,452 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,551Year 2+$951Welcome or anniversary bonus$600 / $0Rewards on spending$1,006 / $1,006Credits$40 / $40Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #8 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $3,452 after fees.
- Year 1. $1,551 = welcome bonus $600 + rewards $1,006 + credits $40 − fee $95.
- Each year after. $951 = rewards $1,006 + credits $40 − fee $95.
- Against #7. Trails Wells Fargo Autograph Journey by $68 over 3 years, mostly on rewards on spending (−$68).
- Against #9. Beats Bank of America Atmos Rewards Ascent by $222 over 3 years, mostly on rewards on spending (+$252).
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 - #9
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 $1,577, based on 1.5 cents per pointYear 2+estimated value, about $827, based on 1.5 cents per point3 years estimated value, about $3,230, based on 1.5 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,577, based on 1.5 cents per pointYear 2+estimated value, about $827, based on 1.5 cents per pointWelcome or anniversary bonus$750 / $0Rewards on spending$922 / $922Fees (taken off the end)−$95 / −$95 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout2xGasGas and EV charging3xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #9 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $3,230 (estimated) after fees.
- Year 1. about $1,577 (estimated) = welcome bonus $750 + rewards $922 − fee $95.
- Each year after. about $827 (estimated) = rewards $922 − fee $95.
- Against #8. Trails Citi Strata Premier by $222 over 3 years, mostly on rewards on spending (−$252).
- Against #10. Beats Chase United Explorer by $13 over 3 years, mostly on rewards on spending (+$397).
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 - #10
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 $1,732, based on 1.2 cents per pointYear 2+estimated value, about $742, based on 1.2 cents per point3 years estimated value, about $3,216, based on 1.2 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,732, based on 1.2 cents per pointYear 2+estimated value, about $742, based on 1.2 cents per pointWelcome or anniversary bonus$840 / $0Rewards on spending$789 / $789Credits$103 / $103Fees (taken off the end)-$0 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging3xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #10 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $3,216 (estimated) after fees.
- Year 1. about $1,732 (estimated) = welcome bonus $840 + rewards $789 + credits $103.
- Each year after. about $742 (estimated) = rewards $789 + credits $103 − fee $150.
- Against #9. Trails Bank of America Atmos Rewards Ascent by $13 over 3 years, mostly on rewards on spending (−$397).
- Against #11. Beats Chase Sapphire Preferred by $120 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 - #11
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$1,532Year 2+$7823 years $3,097 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,532Year 2+$782Welcome or anniversary bonus$750 / $0Rewards on spending$793 / $793Credits$84 / $84Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #11 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $3,097 after fees.
- Year 1. $1,532 = welcome bonus $750 + rewards $793 + credits $84 − fee $95.
- Each year after. $782 = rewards $793 + credits $84 − fee $95.
- Against #10. Trails Chase United Explorer by $120 over 3 years, mostly on welcome bonus (−$90).
- Against #12. Beats Wells Fargo One Key Card by $76 over 3 years, mostly on welcome bonus (+$500).
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 - #12
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$1,173Year 2+$9233 years $3,020 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,173Year 2+$923Welcome or anniversary bonus$250 / $0Rewards on spending$923 / $923Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3%GrocGroceries3%DineDining and takeout3%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #12 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $3,020 after fees.
- Year 1. $1,173 = welcome bonus $250 + rewards $923.
- Each year after. $923 = rewards $923.
- Against #11. Trails Chase Sapphire Preferred by $76 over 3 years, mostly on welcome bonus (−$500).
- Against #13. Beats Wells Fargo Autograph by $27 over 3 years, mostly on welcome bonus (+$50).
Verified Oct 16, 2026Every term and assumption - #13
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$1,131Year 2+$9313 years $2,994 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,131Year 2+$931Welcome or anniversary bonus$200 / $0Rewards on spending$931 / $931Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout3xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #13 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $2,994 after fees.
- Year 1. $1,131 = welcome bonus $200 + rewards $931.
- Each year after. $931 = rewards $931.
- Against #12. Trails Wells Fargo One Key Card by $27 over 3 years, mostly on welcome bonus (−$50).
- Against #14. Beats Bank of America Premium Rewards by $81 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 - #14
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$1,371Year 2+$7713 years $2,913 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,371Year 2+$771Welcome or anniversary bonus$600 / $0Rewards on spending$803 / $803Credits$63 / $63Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries2%DineDining and takeout1.5%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #14 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $2,913 after fees.
- Year 1. $1,371 = welcome bonus $600 + rewards $803 + credits $63 − fee $95.
- Each year after. $771 = rewards $803 + credits $63 − fee $95.
- Against #13. Trails Wells Fargo Autograph by $81 over 3 years, mostly on welcome bonus (+$400).
- Against #15. Beats Chase IHG One Rewards by $44 over 3 years, mostly on rewards on spending (+$369).
Verified Oct 16, 2026Every term and assumption - #15
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 $1,448, based on 0.59 cents per pointYear 2+estimated value, about $710, based on 0.59 cents per point3 years estimated value, about $2,869, based on 0.59 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,448, based on 0.59 cents per pointYear 2+estimated value, about $710, based on 0.59 cents per pointWelcome or anniversary bonus$738 / $0Rewards on spending$680 / $680Credits$30 / $30Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging2xAirFlights5xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #15 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,869 (estimated) after fees.
- Year 1. about $1,448 (estimated) = welcome bonus $738 + rewards $680 + credits $30.
- Each year after. about $710 (estimated) = rewards $680 + credits $30.
- Against #14. Trails Bank of America Premium Rewards by $44 over 3 years, mostly on rewards on spending (−$369).
- Against #16. Beats Chase Southwest Rapid Rewards Priority by $40 over 3 years, mostly on annual fees (+$687).
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 - #16
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 $1,381, based on 1.25 cents per pointYear 2+estimated value, about $724, based on 1.25 cents per point3 years estimated value, about $2,829, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,381, based on 1.25 cents per pointYear 2+estimated value, about $724, based on 1.25 cents per pointWelcome or anniversary bonus$750 / $94Rewards on spending$830 / $830Credits$30 / $30Fees (taken off the end)−$229 / −$229 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout2xGasGas and EV charging4xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #16 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,829 (estimated) after fees.
- Year 1. about $1,381 (estimated) = welcome bonus $750 + rewards $830 + credits $30 − fee $229.
- Each year after. about $724 (estimated) = anniversary bonus $94 + rewards $830 + credits $30 − fee $229.
- Against #15. Trails Chase IHG One Rewards by $40 over 3 years, mostly on annual fees (−$687).
- Against #17. Beats Chase Southwest Rapid Rewards Premier by $33 over 3 years, mostly on annual fees (−$240).
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 - #17
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 $1,341, based on 1.25 cents per pointYear 2+estimated value, about $728, based on 1.25 cents per point3 years estimated value, about $2,797, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,341, based on 1.25 cents per pointYear 2+estimated value, about $728, based on 1.25 cents per pointWelcome or anniversary bonus$688 / $75Rewards on spending$772 / $772Credits$30 / $30Fees (taken off the end)−$149 / −$149 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout1xGasGas and EV charging3xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #17 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,797 (estimated) after fees.
- Year 1. about $1,341 (estimated) = welcome bonus $688 + rewards $772 + credits $30 − fee $149.
- Each year after. about $728 (estimated) = anniversary bonus $75 + rewards $772 + credits $30 − fee $149.
- Against #16. Trails Chase Southwest Rapid Rewards Priority by $33 over 3 years, mostly on annual fees (+$240).
- Against #18. Beats Discover it Miles by $3 over 3 years, mostly on welcome bonus (+$688).
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 - #18
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$1,397Year 2+$6983 years $2,794 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,397Year 2+$698Rewards on spending$1,397 / $698Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #18 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $2,794 after fees.
- Year 1. $1,397 = rewards $1,397.
- Each year after. $698 = rewards $698.
- Against #17. Trails Chase Southwest Rapid Rewards Premier by $3 over 3 years, mostly on welcome bonus (−$688).
- Against #19. Beats Chase Southwest Rapid Rewards Plus by $232 over 3 years, mostly on rewards on spending (+$725).
Verified Oct 16, 2026Every term and assumption - #19
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 $1,246, based on 1.25 cents per pointYear 2+estimated value, about $658, based on 1.25 cents per point3 years estimated value, about $2,562, based on 1.25 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,246, based on 1.25 cents per pointYear 2+estimated value, about $658, based on 1.25 cents per pointWelcome or anniversary bonus$625 / $38Rewards on spending$690 / $690Credits$30 / $30Fees (taken off the end)−$99 / −$99 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #19 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,562 (estimated) after fees.
- Year 1. about $1,246 (estimated) = welcome bonus $625 + rewards $690 + credits $30 − fee $99.
- Each year after. about $658 (estimated) = anniversary bonus $38 + rewards $690 + credits $30 − fee $99.
- Against #18. Trails Discover it Miles by $232 over 3 years, mostly on rewards on spending (−$725).
- Against #20. Beats Chase British Airways Visa Signature by $34 over 3 years, mostly on welcome bonus (−$200).
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 - #20
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 $1,374, based on 1.1 cents per pointYear 2+estimated value, about $577, based on 1.1 cents per point3 years estimated value, about $2,527, based on 1.1 cents per point after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,374, based on 1.1 cents per pointYear 2+estimated value, about $577, based on 1.1 cents per pointWelcome or anniversary bonus$825 / $28Rewards on spending$644 / $644Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging3xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #20 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,527 (estimated) after fees.
- Year 1. about $1,374 (estimated) = welcome bonus $825 + rewards $644 − fee $95.
- Each year after. about $577 (estimated) = anniversary bonus $28 + rewards $644 − fee $95.
- Against #19. Trails Chase Southwest Rapid Rewards Plus by $34 over 3 years, mostly on welcome bonus (+$200).
- Against #21. Beats Chase United Gateway by $112 over 3 years, mostly on welcome bonus (+$345).
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 - #21
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 $1,125, based on 1.2 cents per pointYear 2+estimated value, about $645, based on 1.2 cents per point3 years estimated value, about $2,415, based on 1.2 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,125, based on 1.2 cents per pointYear 2+estimated value, about $645, based on 1.2 cents per pointWelcome or anniversary bonus$480 / $0Rewards on spending$645 / $645Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #21 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,415 (estimated) after fees.
- Year 1. about $1,125 (estimated) = welcome bonus $480 + rewards $645.
- Each year after. about $645 (estimated) = rewards $645.
- Against #20. Trails Chase British Airways Visa Signature by $112 over 3 years, mostly on welcome bonus (−$345).
- Against #22. Beats Bank of America Travel Rewards by $70 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 - #22
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$948Year 2+$6983 years $2,345 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$948Year 2+$698Welcome or anniversary bonus$250 / $0Rewards on spending$698 / $698Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #22 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $2,345 after fees.
- Year 1. $948 = welcome bonus $250 + rewards $698.
- Each year after. $698 = rewards $698.
- Against #21. Trails Chase United Gateway by $70 over 3 years, mostly on welcome bonus (−$230).
- Against #23. Beats Wells Fargo Choice Privileges Mastercard by $119 over 3 years, mostly on rewards on spending (+$319).
Verified Oct 16, 2026Every term and assumption - #23
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 $1,042, based on 0.75 cents per pointYear 2+estimated value, about $592, based on 0.75 cents per point3 years estimated value, about $2,227, based on 0.75 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,042, based on 0.75 cents per pointYear 2+estimated value, about $592, based on 0.75 cents per pointWelcome or anniversary bonus$450 / $0Rewards on spending$592 / $592Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries1xDineDining and takeout3xGasGas and EV charging1xAirFlights5xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping3xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #23 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $2,227 (estimated) after fees.
- Year 1. about $1,042 (estimated) = welcome bonus $450 + rewards $592.
- Each year after. about $592 (estimated) = rewards $592.
- Against #22. Trails Bank of America Travel Rewards by $119 over 3 years, mostly on rewards on spending (−$319).
- Against #24. Beats American Express Platinum Card by $254 over 3 years, mostly on credits (−$3,301).
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 - #24
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$657Year 2+$6573 years $1,972 after fees· pays for itself in month 7Bonus not counted
Breakdown, earn rates and why it's ranked here
Year 1$657Year 2+$657Rewards on spending$452 / $452Credits$1,100 / $1,100Fees (taken off the end)−$895 / −$895 Pays for itself in month 7 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging5xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #24 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $1,972 after fees.
- Year 1. $657 = rewards $452 + credits $1,100 − fee $895.
- Each year after. $657 = rewards $452 + credits $1,100 − fee $895.
- Against #23. Trails Wells Fargo Choice Privileges Mastercard by $254 over 3 years, mostly on credits (+$3,301).
- Against #25. Beats Capital One Venture by $263 over 3 years, mostly on credits (+$3,079).
- 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 - #25
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$920Year 2+$3953 years $1,709 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$920Year 2+$395Welcome or anniversary bonus$375 / $0Rewards on spending$466 / $466Credits$174 / $24Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #25 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $1,709 after fees.
- Year 1. $920 = welcome bonus $375 + rewards $466 + credits $174 − fee $95.
- Each year after. $395 = rewards $466 + credits $24 − fee $95.
- Against #24. Trails American Express Platinum Card by $263 over 3 years, mostly on credits (−$3,079).
- Against #26. Beats Chase Marriott Bonvoy Bold by $35 over 3 years, mostly on annual fees (−$285).
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 - #26
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 $777, based on 0.73 cents per pointYear 2+estimated value, about $449, based on 0.73 cents per point3 years estimated value, about $1,674, based on 0.73 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $777, based on 0.73 cents per pointYear 2+estimated value, about $449, based on 0.73 cents per pointWelcome or anniversary bonus$329 / $0Rewards on spending$449 / $449Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights3xHotelHotels and car rentals1xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #26 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth about $1,674 (estimated) after fees.
- Year 1. about $777 (estimated) = welcome bonus $329 + rewards $449.
- Each year after. about $449 (estimated) = rewards $449.
- Against #25. Trails Capital One Venture by $35 over 3 years, mostly on annual fees (+$285).
- Against #27. Beats American Express Gold Card by $181 over 3 years, mostly on annual fees (+$975).
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 - #27
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$498Year 2+$4983 years $1,493 after fees· pays for itself in month 5Bonus not counted
Breakdown, earn rates and why it's ranked here
Year 1$498Year 2+$498Rewards on spending$603 / $603Credits$219 / $219Fees (taken off the end)−$325 / −$325 Pays for itself in month 5 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4xGrocGroceries4xDineDining and takeout1xGasGas and EV charging3xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #27 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $1,493 after fees.
- Year 1. $498 = rewards $603 + credits $219 − fee $325.
- Each year after. $498 = rewards $603 + credits $219 − fee $325.
- Against #26. Trails Chase Marriott Bonvoy Bold by $181 over 3 years, mostly on annual fees (−$975).
- Against #28. Beats Capital One Venture X by $14 over 3 years, mostly on rewards on spending (+$413).
- 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 - #28
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$710Year 2+$3853 years $1,479 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$710Year 2+$385Welcome or anniversary bonus$375 / $50Rewards on spending$466 / $466Credits$264 / $264Fees (taken off the end)−$395 / −$395 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #28 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $1,479 after fees.
- Year 1. $710 = welcome bonus $375 + rewards $466 + credits $264 − fee $395.
- Each year after. $385 = anniversary bonus $50 + rewards $466 + credits $264 − fee $395.
- Against #27. Trails American Express Gold Card by $14 over 3 years, mostly on rewards on spending (−$413).
- Against #29. Beats Capital One VentureOne by $506 over 3 years, mostly on annual fees (−$1,185).
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 - #29
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$391Year 2+$2913 years $973 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$391Year 2+$291Welcome or anniversary bonus$100 / $0Rewards on spending$291 / $291Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.25xGrocGroceries1.25xDineDining and takeout1.25xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1.25xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #29 of 29. By 3-year value on the frequent traveller preset's spending. Over 3 years it's worth $973 after fees.
- Year 1. $391 = welcome bonus $100 + rewards $291.
- Each year after. $291 = rewards $291.
- Against #28. Trails Capital One Venture X by $506 over 3 years, mostly on annual fees (+$1,185).
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
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
Frequent traveller preset, $3,880 a month, after fees. "~" marks estimates.
| Card | Year 1 | Year 2+ | 3 years |
|---|---|---|---|
| Chase IHG One Rewards Premier | ~$2,232 | ~$1,465 | ~$5,163 |
| Chase Air Canada Aeroplan Card | ~$2,668 | ~$1,058 | ~$4,784 |
| Chase Sapphire Reserve | $2,063 | $1,063 | $4,188 |
| Chase Marriott Bonvoy Boundless | ~$1,844 | ~$954 | ~$3,752 |
| Chase United Quest | ~$1,839 | ~$879 | ~$3,597 |
| Chase World of Hyatt | ~$1,629 | ~$954 | ~$3,538 |
| Wells Fargo Autograph Journey | $1,573 | $973 | $3,520 |
| Citi Strata Premier | $1,551 | $951 | $3,452 |
| Bank of America Atmos Rewards Ascent | ~$1,577 | ~$827 | ~$3,230 |
| Chase United Explorer | ~$1,732 | ~$742 | ~$3,216 |
Frequently asked questions
What are the best travel credit cards?
On frequent traveller spending ($3,880 a month), Chase IHG One Rewards Premier ranks first: ~$2,232 in year 1 and ~$1,465 a year after fees.
How were these cards picked?
Travel cards ranked by 3-year value on a frequent traveller'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.