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Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 4.5¢/$ | $325 | — | amex |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 2.7¢/$ | $395 | — | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 4.5¢/$ | $325 | — | amex |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 2.7¢/$ | $395 | — | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Amex
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| American Express Gold CardAmex | 4x Membership Rewards | 4.5¢/$ | $325 | — | amex |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.9¢/$ | $95 | — | mastercard |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.6¢/$ | $95 | $11.63 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 2.7¢/$ | $395 | — | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Citi
Cardless
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 2.7¢/$ | $795 | $92.63 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.3¢/$ | $95 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Citi
Cardless
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 2.7¢/$ | $795 | $92.63 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.3¢/$ | $95 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
Citi
Cardless
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | $3.77 | visa |
| Citi Custom Cash CardCiti | 5% cash back | 2.8¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 2.7¢/$ | $795 | $92.63 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 2.3¢/$ | $95 | $3.77 | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 2.5¢/$ | $0 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.0¢/$ | $0 | — | mastercard |
