Credit Card Comparison
Verified Oct 16, 2026USD
60 US cards ranked on your own spending, each showing Year 1 against every year after. Terms are read from each issuer's page, and points count at their conservative cash value unless you choose otherwise.
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
Your spend $3,350/mo
CashMax value
Each point at what it's worth as cash or a statement credit (the default). Slide right if you transfer points to airlines or hotels. e.g. Chase Ultimate Rewards: 1.00¢ a point.
Use my numbers: monthly spending by category
$
$
$
$
$
$
$
$
$
$
$
Eligibility, travel and balance
$
Checked against published minimums only.
$
0 if you pay in full.
%
%
59 cards ranked by 3-year value. First: Chase IHG One Rewards Premier.
- #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 $2,010, based on 0.59 cents per pointYear 2+estimated value, about $1,243, based on 0.59 cents per point3 years estimated value, about $4,496, 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 $2,010, based on 0.59 cents per pointYear 2+estimated value, about $1,243, based on 0.59 cents per pointWelcome 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 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 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $4,496 (estimated) after fees.
- Year 1. about $2,010 (estimated) = welcome bonus $1,062 + rewards $963 + credits $135 − fee $150.
- Each year after. about $1,243 (estimated) = anniversary bonus $295 + rewards $963 + credits $135 − fee $150.
- Against #2. Beats Chase Air Canada Aeroplan Card by $634 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 $2,360, based on 1.4 cents per pointYear 2+estimated value, about $750, based on 1.4 cents per point3 years estimated value, about $3,861, based on 1.4 cents per point after fees· pays for itself in month 2Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $2,360, based on 1.4 cents per pointYear 2+estimated value, about $750, based on 1.4 cents per pointWelcome 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 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 59. By 3-year value on the family preset's spending. Over 3 years it's worth about $3,861 (estimated) after fees.
- Year 1. about $2,360 (estimated) = welcome bonus $1,610 + rewards $890 + credits $55 − fee $195.
- Each year after. about $750 (estimated) = rewards $890 + credits $55 − fee $195.
- Against #1. Trails Chase IHG One Rewards Premier by $634 over 3 years, mostly on welcome bonus (+$548).
- 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
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 pointYear 2+estimated value, about $809, based on 0.73 cents per point3 years estimated value, about $3,316, 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 $1,698, based on 0.73 cents per pointYear 2+estimated value, about $809, based on 0.73 cents per pointWelcome 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 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 #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.
- Year 1. about $1,698 (estimated) = welcome bonus $1,095 + rewards $648 + credits $50 − fee $95.
- Each year after. about $809 (estimated) = anniversary bonus $256 + rewards $648 − fee $95.
- Against #2. Trails Chase Air Canada Aeroplan Card by $545 over 3 years, mostly on rewards on spending (−$726).
- Against #4. Beats Chase Sapphire Reserve by $273 over 3 years, mostly on credits (−$2,614).
- 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
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$1,681Year 2+$6813 years $3,043 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,681Year 2+$681Welcome 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 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 #4 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $3,043 after fees.
- Year 1. $1,681 = welcome bonus $1,000 + rewards $588 + credits $888 − fee $795.
- Each year after. $681 = rewards $588 + credits $888 − fee $795.
- Against #3. Trails Chase Marriott Bonvoy Boundless by $273 over 3 years, mostly on credits (+$2,614).
- 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
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$1,355Year 2+$7553 years $2,865 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,355Year 2+$755Welcome 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 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 #5 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,865 after fees.
- Year 1. $1,355 = welcome bonus $600 + rewards $810 + credits $40 − fee $95.
- Each year after. $755 = rewards $810 + credits $40 − fee $95.
- Against #4. Trails Chase Sapphire Reserve by $178 over 3 years, mostly on credits (−$2,544).
- 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
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$1,114Year 2+$8643 years $2,842 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,114Year 2+$864Welcome or anniversary bonus$250 / $0Rewards on spending$864 / $864Fees (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 #6 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,842 after fees.
- Year 1. $1,114 = welcome bonus $250 + rewards $864.
- Each year after. $864 = rewards $864.
- Against #5. Trails Citi Strata Premier by $23 over 3 years, mostly on welcome bonus (−$350).
- 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
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 pointYear 2+estimated value, about $668, based on 1.5 cents per point3 years estimated value, about $2,755, 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 $1,418, based on 1.5 cents per pointYear 2+estimated value, about $668, based on 1.5 cents per pointWelcome 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 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 #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.
- Year 1. about $1,418 (estimated) = welcome bonus $750 + rewards $763 − fee $95.
- Each year after. about $668 (estimated) = rewards $763 − fee $95.
- Against #6. Trails Wells Fargo One Key Card by $87 over 3 years, mostly on welcome bonus (+$500).
- 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
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 pointYear 2+estimated value, about $587, based on 1.2 cents per point3 years estimated value, about $2,720, 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 $1,547, based on 1.2 cents per pointYear 2+estimated value, about $587, based on 1.2 cents per pointWelcome 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 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 #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.
- Year 1. about $1,547 (estimated) = welcome bonus $960 + rewards $611 + credits $326 − fee $350.
- Each year after. about $587 (estimated) = rewards $611 + credits $326 − fee $350.
- Against #7. Trails Bank of America Atmos Rewards Ascent by $35 over 3 years, mostly on credits (+$978).
- 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
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$1,004Year 2+$8043 years $2,612 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,004Year 2+$804Welcome or anniversary bonus$200 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #9 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,612 after fees.
- Year 1. $1,004 = welcome bonus $200 + rewards $804.
- Each year after. $804 = rewards $804.
- Against #8. Trails Chase United Quest by $108 over 3 years, mostly on annual fees (+$1,050).
- 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
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 pointYear 2+estimated value, about $643, based on 1.5 cents per point3 years estimated value, about $2,604, 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 $1,318, based on 1.5 cents per pointYear 2+estimated value, about $643, based on 1.5 cents per pointWelcome 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 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 #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.
- Year 1. about $1,318 (estimated) = welcome bonus $675 + rewards $738 − fee $95.
- Each year after. about $643 (estimated) = rewards $738 − fee $95.
- Against #9. Trails Citi Double Cash by $8 over 3 years, mostly on welcome bonus (+$475).
- Against #11. Beats American Express Blue Cash Preferred by $6 over 3 years, mostly on welcome bonus (+$425).
- 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
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$1,096Year 2+$7513 years $2,598 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,096Year 2+$751Welcome 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 3Earn rate by category
6%GrocGroceries1%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare6%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #11 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,598 after fees.
- Year 1. $1,096 = welcome bonus $250 + rewards $798 + credits $48.
- Each year after. $751 = rewards $798 + credits $48 − fee $95.
- Against #10. Trails Chase World of Hyatt by $6 over 3 years, mostly on welcome bonus (−$425).
- 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
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 pointYear 2+estimated value, about $618, based on 0.59 cents per point3 years estimated value, about $2,590, 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 $1,355, based on 0.59 cents per pointYear 2+estimated value, about $618, based on 0.59 cents per pointWelcome or anniversary bonus$738 / $0Rewards on spending$588 / $588Credits$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 #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.
- Year 1. about $1,355 (estimated) = welcome bonus $738 + rewards $588 + credits $30.
- Each year after. about $618 (estimated) = rewards $588 + credits $30.
- Against #11. Trails American Express Blue Cash Preferred by $8 over 3 years, mostly on rewards on spending (−$631).
- 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
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 pointYear 2+estimated value, about $529, based on 1.2 cents per point3 years estimated value, about $2,577, 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 $1,519, based on 1.2 cents per pointYear 2+estimated value, about $529, based on 1.2 cents per pointWelcome 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 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 #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.
- Year 1. about $1,519 (estimated) = welcome bonus $840 + rewards $576 + credits $103.
- Each year after. about $529 (estimated) = rewards $576 + credits $103 − fee $150.
- Against #12. Trails Chase IHG One Rewards by $13 over 3 years, mostly on annual fees (−$300).
- 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
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$1,343Year 2+$5933 years $2,528 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,343Year 2+$593Welcome 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 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 #14 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,528 after fees.
- Year 1. $1,343 = welcome bonus $750 + rewards $604 + credits $84 − fee $95.
- Each year after. $593 = rewards $604 + credits $84 − fee $95.
- Against #13. Trails Chase United Explorer by $49 over 3 years, mostly on welcome bonus (−$90).
- 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
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$904Year 2+$8043 years $2,512 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$904Year 2+$804Welcome or anniversary bonus$100 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #15 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,512 after fees.
- Year 1. $904 = welcome bonus $100 + rewards $804.
- Each year after. $804 = rewards $804.
- Against #14. Trails Chase Sapphire Preferred by $16 over 3 years, mostly on welcome bonus (−$650).
- 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
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$1,226Year 2+$6133 years $2,453 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,226Year 2+$613Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
5%GrocGroceries5%DineDining and takeout5%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals5%TransitTransit and rideshare5%StreamStreaming5%DrugDrugstores1%OnlineOnline shopping5%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #16 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
- Year 1. $1,226 = rewards $1,226.
- Each year after. $613 = rewards $613.
- Against #15. Trails Wells Fargo Active Cash by $59 over 3 years, mostly on welcome bonus (−$100).
- 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
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$1,226Year 2+$6133 years $2,453 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,226Year 2+$613Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
5%GrocGroceries5%DineDining and takeout5%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals5%TransitTransit and rideshare5%StreamStreaming5%DrugDrugstores1%OnlineOnline shopping5%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #17 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
- Year 1. $1,226 = rewards $1,226.
- Each year after. $613 = rewards $613.
- 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.
- 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
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$1,226Year 2+$6133 years $2,453 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,226Year 2+$613Rewards on spending$1,226 / $613Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
5%GrocGroceries5%DineDining and takeout5%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals5%TransitTransit and rideshare5%StreamStreaming5%DrugDrugstores1%OnlineOnline shopping5%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #18 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,453 after fees.
- Year 1. $1,226 = rewards $1,226.
- Each year after. $613 = rewards $613.
- Against #17. Discover it Secured is worth the same over 3 years; the tie-breakers (lower fee, no foreign fee, earlier break-even) decide.
- 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
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$1,213Year 2+$6133 years $2,438 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,213Year 2+$613Welcome 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 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 #19 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,438 after fees.
- Year 1. $1,213 = welcome bonus $600 + rewards $645 + credits $63 − fee $95.
- Each year after. $613 = rewards $645 + credits $63 − fee $95.
- Against #18. Trails Discover it Student Cash Back by $15 over 3 years, mostly on welcome bonus (+$600).
- Against #20. Beats Discover it Miles by $26 over 3 years, mostly on welcome bonus (+$600).
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 1$1,206Year 2+$6033 years $2,412 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,206Year 2+$603Rewards on spending$1,206 / $603Fees (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 #20 of 59. By 3-year value on the family preset's spending. Over 3 years it's worth $2,412 after fees.
- Year 1. $1,206 = rewards $1,206.
- Each year after. $603 = rewards $603.
- Against #19. Trails Bank of America Premium Rewards by $26 over 3 years, mostly on welcome bonus (−$600).
- 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
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.
Best cards by need
From the data
Top 10 on the family preset
$3,350 a month, family spending, points at their cash value, after fees. "~" marks estimates.
| Card | Year 1 | Year 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
Why are Year 1 and Year 2+ so different?
Year 1 adds the welcome bonus, any first-year fee waiver, one-time credits and intro APR savings. From year 2 a card only has what it earns on your spending and its ongoing credits, minus the full annual fee, so a card that ranks first in year 1 can be an average card after that.
Which US card is worth the most for a typical family?
On the family preset ($3,350 a month, points at each program's cash or statement-credit value), Chase IHG One Rewards Premier is worth the most over 3 years at ~$4,496. From year 2, Chase IHG One Rewards Premier earns the most: ~$1,243 a year after fees. Your own spending can change the order.
How are points and miles valued?
In dollars, using how you redeem: cash or statement credit by default (the conservative choice), the issuer's travel booking, or transfer partners at a published valuation (Chase Ultimate Rewards 2.05¢, American Express Membership Rewards 2¢, Capital One miles 1.85¢, Citi ThankYou Points 1.9¢, Wells Fargo Rewards 1.75¢). Every figure that depends on a valuation is marked "~ est.", and the "Value points as" slider runs from each program's cash value to its highest published value, for people who transfer points to airlines and hotels.
Which cards are mostly their welcome bonus?
On the family preset, 1 card gets more than 60% of their 3-year value in year 1, or nothing after it: Chase Air Canada Aeroplan Card. They carry a "Mostly first-year value" flag.
Does a commission change the order?
No. Cards are ranked only by the value worked out from your spending, with published tie-breakers (lower annual fee, then no foreign transaction fee, then earlier break-even). Cards with no affiliate program are listed and ranked the same way.
Do you show approval odds?
No. Approval depends on your credit file and the issuer's rules, which we can't see. We show only requirements the issuer publishes, such as a minimum income, and values assume you're approved as advertised.
Sources
Estimates for information only; not financial advice. See how cards are ranked.