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  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
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Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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Results from

$6,000

Scoring mode

Options

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Booking

Rewards

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Do you shop at Costco?

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American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on All Other
4x × 1.8¢/pt = 2.3¢ per dollar

Why this card

  1. 1.4x on all other — points worth 1.8¢ each ($140.40/yr on $6,000 spend)

$212 in credits offset the $325 fee

AMEX
Core Rate
2.3¢
per dollar on all other
$325/yr($212 in credits)
Annual rewards$140.40
+ Credits$212
\u2212 Annual fee$325
Net annual value$27.40

Bonus rate on first $25,000/annual, then base rate

Bilt Obsidian Card
2

Bilt Obsidian Card

Cardless

3x Bilt Rewards on All Other
3x × 2.0¢/pt = 2.2¢ per dollar

Why this card

  1. 1.3x on all other — points worth 2.0¢ each ($132/yr on $6,000 spend)
MASTERCARD
Core Rate
2.2¢
per dollar on all other
$95/yr
Annual rewards$132
\u2212 Annual fee$95
Net annual value$37

Bonus rate on first $25,000/annual, then base rate

No image
3

Verizon Visa Card

Synchrony

2% cash back on All Other

Why this card

    No annual fee

    VISA
    1.8¢
    per dollar on all other
    No annual fee($8 in credits)
    Annual rewards$108
    + Credits$8
    Net annual value$116
    Citi Strata Credit Card
    4

    Citi Strata Credit Card

    Citi

    3x ThankYou Points on All Other
    3x × 1.5¢/pt = 1.6¢ per dollar

    Why this card

    1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)

    No annual fee

    MASTERCARD
    Core Rate
    1.6¢
    per dollar on all other
    No annual fee($162.50 in credits)
    Annual rewards$99
    + Credits$162.50
    Net annual value$261.50
    Bank of America Customized Cash Rewards Credit Card
    5

    Bank of America Customized Cash Rewards Credit Card

    Bank Of America

    3x Bank Of America Points on All Other
    3x × 1.0¢/pt = 1.8¢ per dollar

    Why this card

    1. 1.3x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)

    No annual fee

    VISA
    Core Rate
    1.8¢
    per dollar on all other
    No annual fee($8 in credits)
    Annual rewards$108
    + Credits$8
    Net annual value$116

    Bonus rate on first $2,500/quarterly, then base rate

    No image
    6

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on All Other
    2x × 1.9¢/pt = 1.9¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      1.9¢
      per dollar on all other
      $395/yr($315 in credits)
      Annual rewards$111
      + Credits$315
      \u2212 Annual fee$395
      Net annual value$31
      Discover it Cash Back
      7

      Discover it Cash Back

      Discover

      5x Cashback on All Other
      5x × 1.0¢/pt = 1.5¢ per dollar

      Why this card

      1. 1.5x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

      No annual fee

      Promotional rate — may be time-limited

      DISCOVER
      Promotional
      1.5¢
      per dollar on all other
      No annual fee
      Annual rewards$90
      Net annual value$90

      Bonus rate on first $1,500/quarterly, then base rate

      No image
      8

      Jasper Cash Back Mastercard

      Webbank

      2% cash back on All Other

      Why this card

        No annual fee

        MASTERCARD
        1.6¢
        per dollar on all other
        No annual fee
        Annual rewards$96
        Net annual value$96

        Bonus rate on first $2,500/quarterly, then base rate

        No image
        9

        One Key+ Card

        Wells Fargo

        2% cash back on All Other

        Why this card

          No annual fee

          MASTERCARD
          1.6¢
          per dollar on all other
          No annual fee
          Annual rewards$96
          Net annual value$96
          Blue Cash Everyday Card from American Express
          10

          Blue Cash Everyday Card from American Express

          Amex

          3x Cashback on All Other
          3x × 1.0¢/pt = 1.5¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

          No annual fee

          AMEX
          Core Rate
          1.5¢
          per dollar on all other
          No annual fee($70.80 in credits)
          Annual rewards$90
          + Credits$70.80
          Net annual value$160.80

          Bonus rate on first $6,000/annual, then base rate

          Rakuten American Express Card
          11

          Rakuten American Express Card

          First Electronic Bank

          1% cash back on All Other

          Convertible Cash Back — 1.0–2.0¢/$

          This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

          Why this card

          1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

          No annual fee

          AMEX
          Convertible
          1.0–2.0¢
          per dollar on all other
          depending on redemption
          No annual fee
          Annual rewards$84.60
          Net annual value$84.60
          Citi Strata Premier Card
          12

          Citi Strata Premier Card

          Citi

          3x ThankYou Points on All Other
          3x × 1.5¢/pt = 1.6¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)
          2. 2.$30/yr Instacart+ Savings

          $50 in credits offset the $95 fee

          MASTERCARD
          Core Rate
          1.6¢
          per dollar on all other
          $95/yr($50 in credits)
          Annual rewards$99
          + Credits$50
          \u2212 Annual fee$95
          Net annual value$54
          No image
          13

          The Platinum Card from American Express

          Amex

          1x Membership Rewards on All Other
          1x × 1.8¢/pt = 0.9¢ per dollar

          Why this card

          1. 1.$150/yr Lululemon Credit
          2. 2.$78/yr Walmart+ Membership Credit

          $1,212.50 in credits fully offsets the $895 fee

          AMEX
          0.9¢
          per dollar on all other
          $895/yr($1,212.50 in credits)
          Annual rewards$54
          + Credits$1,212.50
          \u2212 Annual fee$895
          Net annual value$371.50
          Citi Strata Elite℠ Card
          14

          Citi Strata Elite℠ Card

          Citi

          1.5x ThankYou Points on All Other
          1.5x × 1.5¢/pt = 1.1¢ per dollar

          Why this card

          1. 1.Travel and Shopping Protection

          $762.50 in credits fully offsets the $595 fee

          MASTERCARD
          1.1¢
          per dollar on all other
          $595/yr($762.50 in credits)
          Annual rewards$67.50
          + Credits$762.50
          \u2212 Annual fee$595
          Net annual value$235
          Gemini Credit Card
          15

          Gemini Credit Card

          Genesis Fs

          3x Cashback on All Other
          3x × 1.0¢/pt = 1.1¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)
          2. 2.$30/yr Instacart+ Savings

          No annual fee

          MASTERCARD
          Core Rate
          1.1¢
          per dollar on all other
          No annual fee
          Annual rewards$66
          Net annual value$66
          Birch Lane Mastercard
          16

          Birch Lane Mastercard

          Citi

          3% cash back on All Other

          Why this card

          1. 1.3% cash back on all other ($72/yr on $6,000 spend)
          2. 2.$40/yr $40 Off First Order
          3. 3.Free Shipping on Eligible Purchases

          No annual fee

          MASTERCARD
          Core Rate
          1.2¢
          per dollar on all other
          No annual fee
          Annual rewards$72
          Net annual value$72
          Hilton Honors American Express Card
          17

          Hilton Honors American Express Card

          Amex

          3x Hilton Honors on All Other
          3x × 0.5¢/pt = 1.3¢ per dollar

          Why this card

            No annual fee

            AMEX
            1.3¢
            per dollar on all other
            No annual fee
            Annual rewards$75
            Net annual value$75
            Capital One VentureOne Rewards Credit Card
            18

            Capital One VentureOne Rewards Credit Card

            Capital One

            1.25x Venture Miles on All Other
            1.25x × 1.9¢/pt = 1.2¢ per dollar

            Why this card

              No annual fee

              MASTERCARD
              1.2¢
              per dollar on all other
              No annual fee
              Annual rewards$69.38
              Net annual value$69.38
              Hilton Honors American Express Surpass Card
              19

              Hilton Honors American Express Surpass Card

              Amex

              6x Hilton Honors on All Other
              6x × 0.5¢/pt = 1.2¢ per dollar

              Why this card

              1. 1.6x on all other — points worth 0.5¢ each ($72/yr on $6,000 spend)

              $100 in credits offset the $150 fee

              AMEX
              Core Rate
              1.2¢
              per dollar on all other
              $150/yr($100 in credits)
              Annual rewards$72
              + Credits$100
              \u2212 Annual fee$150
              Net annual value$22
              No image
              20

              TD Cash Credit Card

              Td Bank

              3x Cashback on All Other
              3x × 1.0¢/pt = 1.1¢ per dollar

              Why this card

              1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

              No annual fee

              VISA
              Core Rate
              1.1¢
              per dollar on all other
              No annual fee($8 in credits)
              Annual rewards$66
              + Credits$8
              Net annual value$74
              Navy Federal More Rewards® Card
              21

              Navy Federal More Rewards® Card

              Navy Federal

              3x Navy Federal Nrewards on All Other
              3x × 1.0¢/pt = 1.1¢ per dollar

              Why this card

              1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

              No annual fee

              VISA
              Core Rate
              1.1¢
              per dollar on all other
              No annual fee($8 in credits)
              Annual rewards$66
              + Credits$8
              Net annual value$74
              Bank of America® Customized Cash Rewards for Students
              22

              Bank of America® Customized Cash Rewards for Students

              Bank Of America

              3x points on All Other

              Why this card

              1. 1.3x on all other ($78/yr on $6,000 spend)

              No annual fee

              VISA
              Core Rate
              1.3¢
              per dollar on all other
              No annual fee($8 in credits)
              Annual rewards$78
              + Credits$8
              Net annual value$86

              Bonus rate on first $2,500/quarterly, then base rate

              My Best Buy® Visa® Card
              23

              My Best Buy® Visa® Card

              Citi

              1% cash back on All Other

              Why this card

              1. 1.Contactless Card Technology

              No annual fee

              VISA
              0.9¢
              per dollar on all other
              No annual fee
              Annual rewards$54
              Net annual value$54
              No image
              24

              Capital One SavorOne Student Cash Rewards Credit Card

              Capital One

              3% cash back on All Other

              Why this card

              1. 1.3% cash back on all other ($66/yr on $6,000 spend)

              No annual fee

              MASTERCARD
              Core Rate
              1.1¢
              per dollar on all other
              No annual fee($119.88 in credits)
              Annual rewards$66
              + Credits$119.88
              Net annual value$185.88
              Blue Cash Preferred Card from American Express
              25

              Blue Cash Preferred Card from American Express

              Amex

              6x Cashback on All Other
              6x × 1.0¢/pt = 1.2¢ per dollar

              Why this card

              1. 1.6x on all other — points worth 1.0¢ each ($72/yr on $6,000 spend)

              $120 in credits fully offsets the $95 fee

              AMEX
              Core Rate
              1.2¢
              per dollar on all other
              $95/yr (Y1 waived)($120 in credits)
              Annual rewards$72
              + Credits$120
              \u2212 Annual fee$95
              Net annual value$97

              Bonus rate on first $6,000/annual, then base rate

              Wells Fargo Active Cash Card
              26

              Wells Fargo Active Cash Card

              Wells Fargo

              2% cash back on All Other

              Why this card

                No annual fee

                VISA
                1.0¢
                per dollar on all other
                No annual fee($8 in credits)
                Annual rewards$60
                + Credits$8
                Net annual value$68
                Fidelity Rewards Visa Signature Card
                27

                Fidelity Rewards Visa Signature Card

                Elan Financial

                2% cash back on All Other

                Why this card

                  No annual fee

                  VISA
                  1.0¢
                  per dollar on all other
                  No annual fee($8 in credits)
                  Annual rewards$60
                  + Credits$8
                  Net annual value$68
                  U.S. Bank Smartly Visa Signature Card
                  28

                  U.S. Bank Smartly Visa Signature Card

                  Usbank

                  2% cash back on All Other

                  Why this card

                    No annual fee

                    VISA
                    1.0¢
                    per dollar on all other
                    No annual fee($8 in credits)
                    Annual rewards$60
                    + Credits$8
                    Net annual value$68
                    NHL® Discover It®
                    29

                    NHL® Discover It®

                    Discover

                    5x points on All Other

                    Why this card

                    1. 1.5x on all other ($60/yr on $6,000 spend)

                    No annual fee

                    DISCOVER
                    Core Rate
                    1.0¢
                    per dollar on all other
                    No annual fee
                    Annual rewards$60
                    Net annual value$60

                    Bonus rate on first $1,500/quarterly, then base rate

                    Bilt Blue Card
                    30

                    Bilt Blue Card

                    Cardless

                    1x Bilt Rewards on All Other
                    1x × 2.0¢/pt = 1.0¢ per dollar

                    Why this card

                      No annual fee

                      MASTERCARD
                      1.0¢
                      per dollar on all other
                      No annual fee
                      Annual rewards$60
                      Net annual value$60

                      Results from

                      $6,000

                      Scoring mode

                      Options

                      Point valuation

                      Booking

                      Rewards

                      Programs

                      Networks

                      Refine results

                      Do you shop at Costco?

                      No annual fee only?

                      Avoid Amex network?

                      Already have a premium card?

                      Resolved as:All Other
                      Concept: 0% APR Cards
                      +2 more
                      Cached
                      75%
                      159 matches1121ms
                      American Express Gold Card
                      1

                      American Express Gold Card

                      Amex

                      4x Membership Rewards on All Other
                      4x × 1.8¢/pt = 2.3¢ per dollar

                      Why this card

                      1. 1.4x on all other — points worth 1.8¢ each ($140.40/yr on $6,000 spend)

                      $212 in credits offset the $325 fee

                      AMEX
                      Core Rate
                      2.3¢
                      per dollar on all other
                      $325/yr($212 in credits)
                      Annual rewards$140.40
                      + Credits$212
                      \u2212 Annual fee$325
                      Net annual value$27.40

                      Bonus rate on first $25,000/annual, then base rate

                      Bilt Obsidian Card
                      2

                      Bilt Obsidian Card

                      Cardless

                      3x Bilt Rewards on All Other
                      3x × 2.0¢/pt = 2.2¢ per dollar

                      Why this card

                      1. 1.3x on all other — points worth 2.0¢ each ($132/yr on $6,000 spend)
                      MASTERCARD
                      Core Rate
                      2.2¢
                      per dollar on all other
                      $95/yr
                      Annual rewards$132
                      \u2212 Annual fee$95
                      Net annual value$37

                      Bonus rate on first $25,000/annual, then base rate

                      No image
                      3

                      Verizon Visa Card

                      Synchrony

                      2% cash back on All Other

                      Why this card

                        No annual fee

                        VISA
                        1.8¢
                        per dollar on all other
                        No annual fee($8 in credits)
                        Annual rewards$108
                        + Credits$8
                        Net annual value$116
                        Citi Strata Credit Card
                        4

                        Citi Strata Credit Card

                        Citi

                        3x ThankYou Points on All Other
                        3x × 1.5¢/pt = 1.6¢ per dollar

                        Why this card

                        1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)

                        No annual fee

                        MASTERCARD
                        Core Rate
                        1.6¢
                        per dollar on all other
                        No annual fee($162.50 in credits)
                        Annual rewards$99
                        + Credits$162.50
                        Net annual value$261.50
                        Bank of America Customized Cash Rewards Credit Card
                        5

                        Bank of America Customized Cash Rewards Credit Card

                        Bank Of America

                        3x Bank Of America Points on All Other
                        3x × 1.0¢/pt = 1.8¢ per dollar

                        Why this card

                        1. 1.3x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)

                        No annual fee

                        VISA
                        Core Rate
                        1.8¢
                        per dollar on all other
                        No annual fee($8 in credits)
                        Annual rewards$108
                        + Credits$8
                        Net annual value$116

                        Bonus rate on first $2,500/quarterly, then base rate

                        No image
                        6

                        Capital One Venture X Rewards Credit Card

                        Capital One

                        2x Venture Miles on All Other
                        2x × 1.9¢/pt = 1.9¢ per dollar

                        Why this card

                          $315 in credits offset the $395 fee

                          VISA
                          1.9¢
                          per dollar on all other
                          $395/yr($315 in credits)
                          Annual rewards$111
                          + Credits$315
                          \u2212 Annual fee$395
                          Net annual value$31
                          Discover it Cash Back
                          7

                          Discover it Cash Back

                          Discover

                          5x Cashback on All Other
                          5x × 1.0¢/pt = 1.5¢ per dollar

                          Why this card

                          1. 1.5x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

                          No annual fee

                          Promotional rate — may be time-limited

                          DISCOVER
                          Promotional
                          1.5¢
                          per dollar on all other
                          No annual fee
                          Annual rewards$90
                          Net annual value$90

                          Bonus rate on first $1,500/quarterly, then base rate

                          No image
                          8

                          Jasper Cash Back Mastercard

                          Webbank

                          2% cash back on All Other

                          Why this card

                            No annual fee

                            MASTERCARD
                            1.6¢
                            per dollar on all other
                            No annual fee
                            Annual rewards$96
                            Net annual value$96

                            Bonus rate on first $2,500/quarterly, then base rate

                            No image
                            9

                            One Key+ Card

                            Wells Fargo

                            2% cash back on All Other

                            Why this card

                              No annual fee

                              MASTERCARD
                              1.6¢
                              per dollar on all other
                              No annual fee
                              Annual rewards$96
                              Net annual value$96
                              Blue Cash Everyday Card from American Express
                              10

                              Blue Cash Everyday Card from American Express

                              Amex

                              3x Cashback on All Other
                              3x × 1.0¢/pt = 1.5¢ per dollar

                              Why this card

                              1. 1.3x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

                              No annual fee

                              AMEX
                              Core Rate
                              1.5¢
                              per dollar on all other
                              No annual fee($70.80 in credits)
                              Annual rewards$90
                              + Credits$70.80
                              Net annual value$160.80

                              Bonus rate on first $6,000/annual, then base rate

                              Rakuten American Express Card
                              11

                              Rakuten American Express Card

                              First Electronic Bank

                              1% cash back on All Other

                              Convertible Cash Back — 1.0–2.0¢/$

                              This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                              Why this card

                              1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                              No annual fee

                              AMEX
                              Convertible
                              1.0–2.0¢
                              per dollar on all other
                              depending on redemption
                              No annual fee
                              Annual rewards$84.60
                              Net annual value$84.60
                              Citi Strata Premier Card
                              12

                              Citi Strata Premier Card

                              Citi

                              3x ThankYou Points on All Other
                              3x × 1.5¢/pt = 1.6¢ per dollar

                              Why this card

                              1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)
                              2. 2.$30/yr Instacart+ Savings

                              $50 in credits offset the $95 fee

                              MASTERCARD
                              Core Rate
                              1.6¢
                              per dollar on all other
                              $95/yr($50 in credits)
                              Annual rewards$99
                              + Credits$50
                              \u2212 Annual fee$95
                              Net annual value$54
                              No image
                              13

                              The Platinum Card from American Express

                              Amex

                              1x Membership Rewards on All Other
                              1x × 1.8¢/pt = 0.9¢ per dollar

                              Why this card

                              1. 1.$150/yr Lululemon Credit
                              2. 2.$78/yr Walmart+ Membership Credit

                              $1,212.50 in credits fully offsets the $895 fee

                              AMEX
                              0.9¢
                              per dollar on all other
                              $895/yr($1,212.50 in credits)
                              Annual rewards$54
                              + Credits$1,212.50
                              \u2212 Annual fee$895
                              Net annual value$371.50
                              Citi Strata Elite℠ Card
                              14

                              Citi Strata Elite℠ Card

                              Citi

                              1.5x ThankYou Points on All Other
                              1.5x × 1.5¢/pt = 1.1¢ per dollar

                              Why this card

                              1. 1.Travel and Shopping Protection

                              $762.50 in credits fully offsets the $595 fee

                              MASTERCARD
                              1.1¢
                              per dollar on all other
                              $595/yr($762.50 in credits)
                              Annual rewards$67.50
                              + Credits$762.50
                              \u2212 Annual fee$595
                              Net annual value$235
                              Gemini Credit Card
                              15

                              Gemini Credit Card

                              Genesis Fs

                              3x Cashback on All Other
                              3x × 1.0¢/pt = 1.1¢ per dollar

                              Why this card

                              1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)
                              2. 2.$30/yr Instacart+ Savings

                              No annual fee

                              MASTERCARD
                              Core Rate
                              1.1¢
                              per dollar on all other
                              No annual fee
                              Annual rewards$66
                              Net annual value$66
                              Birch Lane Mastercard
                              16

                              Birch Lane Mastercard

                              Citi

                              3% cash back on All Other

                              Why this card

                              1. 1.3% cash back on all other ($72/yr on $6,000 spend)
                              2. 2.$40/yr $40 Off First Order
                              3. 3.Free Shipping on Eligible Purchases

                              No annual fee

                              MASTERCARD
                              Core Rate
                              1.2¢
                              per dollar on all other
                              No annual fee
                              Annual rewards$72
                              Net annual value$72
                              Hilton Honors American Express Card
                              17

                              Hilton Honors American Express Card

                              Amex

                              3x Hilton Honors on All Other
                              3x × 0.5¢/pt = 1.3¢ per dollar

                              Why this card

                                No annual fee

                                AMEX
                                1.3¢
                                per dollar on all other
                                No annual fee
                                Annual rewards$75
                                Net annual value$75
                                Capital One VentureOne Rewards Credit Card
                                18

                                Capital One VentureOne Rewards Credit Card

                                Capital One

                                1.25x Venture Miles on All Other
                                1.25x × 1.9¢/pt = 1.2¢ per dollar

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  1.2¢
                                  per dollar on all other
                                  No annual fee
                                  Annual rewards$69.38
                                  Net annual value$69.38
                                  Hilton Honors American Express Surpass Card
                                  19

                                  Hilton Honors American Express Surpass Card

                                  Amex

                                  6x Hilton Honors on All Other
                                  6x × 0.5¢/pt = 1.2¢ per dollar

                                  Why this card

                                  1. 1.6x on all other — points worth 0.5¢ each ($72/yr on $6,000 spend)

                                  $100 in credits offset the $150 fee

                                  AMEX
                                  Core Rate
                                  1.2¢
                                  per dollar on all other
                                  $150/yr($100 in credits)
                                  Annual rewards$72
                                  + Credits$100
                                  \u2212 Annual fee$150
                                  Net annual value$22
                                  No image
                                  20

                                  TD Cash Credit Card

                                  Td Bank

                                  3x Cashback on All Other
                                  3x × 1.0¢/pt = 1.1¢ per dollar

                                  Why this card

                                  1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

                                  No annual fee

                                  VISA
                                  Core Rate
                                  1.1¢
                                  per dollar on all other
                                  No annual fee($8 in credits)
                                  Annual rewards$66
                                  + Credits$8
                                  Net annual value$74
                                  Navy Federal More Rewards® Card
                                  21

                                  Navy Federal More Rewards® Card

                                  Navy Federal

                                  3x Navy Federal Nrewards on All Other
                                  3x × 1.0¢/pt = 1.1¢ per dollar

                                  Why this card

                                  1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

                                  No annual fee

                                  VISA
                                  Core Rate
                                  1.1¢
                                  per dollar on all other
                                  No annual fee($8 in credits)
                                  Annual rewards$66
                                  + Credits$8
                                  Net annual value$74
                                  Bank of America® Customized Cash Rewards for Students
                                  22

                                  Bank of America® Customized Cash Rewards for Students

                                  Bank Of America

                                  3x points on All Other

                                  Why this card

                                  1. 1.3x on all other ($78/yr on $6,000 spend)

                                  No annual fee

                                  VISA
                                  Core Rate
                                  1.3¢
                                  per dollar on all other
                                  No annual fee($8 in credits)
                                  Annual rewards$78
                                  + Credits$8
                                  Net annual value$86

                                  Bonus rate on first $2,500/quarterly, then base rate

                                  My Best Buy® Visa® Card
                                  23

                                  My Best Buy® Visa® Card

                                  Citi

                                  1% cash back on All Other

                                  Why this card

                                  1. 1.Contactless Card Technology

                                  No annual fee

                                  VISA
                                  0.9¢
                                  per dollar on all other
                                  No annual fee
                                  Annual rewards$54
                                  Net annual value$54
                                  No image
                                  24

                                  Capital One SavorOne Student Cash Rewards Credit Card

                                  Capital One

                                  3% cash back on All Other

                                  Why this card

                                  1. 1.3% cash back on all other ($66/yr on $6,000 spend)

                                  No annual fee

                                  MASTERCARD
                                  Core Rate
                                  1.1¢
                                  per dollar on all other
                                  No annual fee($119.88 in credits)
                                  Annual rewards$66
                                  + Credits$119.88
                                  Net annual value$185.88
                                  Blue Cash Preferred Card from American Express
                                  25

                                  Blue Cash Preferred Card from American Express

                                  Amex

                                  6x Cashback on All Other
                                  6x × 1.0¢/pt = 1.2¢ per dollar

                                  Why this card

                                  1. 1.6x on all other — points worth 1.0¢ each ($72/yr on $6,000 spend)

                                  $120 in credits fully offsets the $95 fee

                                  AMEX
                                  Core Rate
                                  1.2¢
                                  per dollar on all other
                                  $95/yr (Y1 waived)($120 in credits)
                                  Annual rewards$72
                                  + Credits$120
                                  \u2212 Annual fee$95
                                  Net annual value$97

                                  Bonus rate on first $6,000/annual, then base rate

                                  Wells Fargo Active Cash Card
                                  26

                                  Wells Fargo Active Cash Card

                                  Wells Fargo

                                  2% cash back on All Other

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.0¢
                                    per dollar on all other
                                    No annual fee($8 in credits)
                                    Annual rewards$60
                                    + Credits$8
                                    Net annual value$68
                                    Fidelity Rewards Visa Signature Card
                                    27

                                    Fidelity Rewards Visa Signature Card

                                    Elan Financial

                                    2% cash back on All Other

                                    Why this card

                                      No annual fee

                                      VISA
                                      1.0¢
                                      per dollar on all other
                                      No annual fee($8 in credits)
                                      Annual rewards$60
                                      + Credits$8
                                      Net annual value$68
                                      U.S. Bank Smartly Visa Signature Card
                                      28

                                      U.S. Bank Smartly Visa Signature Card

                                      Usbank

                                      2% cash back on All Other

                                      Why this card

                                        No annual fee

                                        VISA
                                        1.0¢
                                        per dollar on all other
                                        No annual fee($8 in credits)
                                        Annual rewards$60
                                        + Credits$8
                                        Net annual value$68
                                        NHL® Discover It®
                                        29

                                        NHL® Discover It®

                                        Discover

                                        5x points on All Other

                                        Why this card

                                        1. 1.5x on all other ($60/yr on $6,000 spend)

                                        No annual fee

                                        DISCOVER
                                        Core Rate
                                        1.0¢
                                        per dollar on all other
                                        No annual fee
                                        Annual rewards$60
                                        Net annual value$60

                                        Bonus rate on first $1,500/quarterly, then base rate

                                        Bilt Blue Card
                                        30

                                        Bilt Blue Card

                                        Cardless

                                        1x Bilt Rewards on All Other
                                        1x × 2.0¢/pt = 1.0¢ per dollar

                                        Why this card

                                          No annual fee

                                          MASTERCARD
                                          1.0¢
                                          per dollar on all other
                                          No annual fee
                                          Annual rewards$60
                                          Net annual value$60

                                          Results from

                                          $6,000

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                                          American Express Gold Card
                                          1

                                          American Express Gold Card

                                          Amex

                                          4x Membership Rewards on All Other
                                          4x × 1.8¢/pt = 2.3¢ per dollar

                                          Why this card

                                          1. 1.4x on all other — points worth 1.8¢ each ($140.40/yr on $6,000 spend)

                                          $212 in credits offset the $325 fee

                                          AMEX
                                          Core Rate
                                          2.3¢
                                          per dollar on all other
                                          $325/yr($212 in credits)
                                          Annual rewards$140.40
                                          + Credits$212
                                          \u2212 Annual fee$325
                                          Net annual value$27.40

                                          Bonus rate on first $25,000/annual, then base rate

                                          Bilt Obsidian Card
                                          2

                                          Bilt Obsidian Card

                                          Cardless

                                          3x Bilt Rewards on All Other
                                          3x × 2.0¢/pt = 2.2¢ per dollar

                                          Why this card

                                          1. 1.3x on all other — points worth 2.0¢ each ($132/yr on $6,000 spend)
                                          MASTERCARD
                                          Core Rate
                                          2.2¢
                                          per dollar on all other
                                          $95/yr
                                          Annual rewards$132
                                          \u2212 Annual fee$95
                                          Net annual value$37

                                          Bonus rate on first $25,000/annual, then base rate

                                          No image
                                          3

                                          Verizon Visa Card

                                          Synchrony

                                          2% cash back on All Other

                                          Why this card

                                            No annual fee

                                            VISA
                                            1.8¢
                                            per dollar on all other
                                            No annual fee($8 in credits)
                                            Annual rewards$108
                                            + Credits$8
                                            Net annual value$116
                                            Citi Strata Credit Card
                                            4

                                            Citi Strata Credit Card

                                            Citi

                                            3x ThankYou Points on All Other
                                            3x × 1.5¢/pt = 1.6¢ per dollar

                                            Why this card

                                            1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)

                                            No annual fee

                                            MASTERCARD
                                            Core Rate
                                            1.6¢
                                            per dollar on all other
                                            No annual fee($162.50 in credits)
                                            Annual rewards$99
                                            + Credits$162.50
                                            Net annual value$261.50
                                            Bank of America Customized Cash Rewards Credit Card
                                            5

                                            Bank of America Customized Cash Rewards Credit Card

                                            Bank Of America

                                            3x Bank Of America Points on All Other
                                            3x × 1.0¢/pt = 1.8¢ per dollar

                                            Why this card

                                            1. 1.3x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)

                                            No annual fee

                                            VISA
                                            Core Rate
                                            1.8¢
                                            per dollar on all other
                                            No annual fee($8 in credits)
                                            Annual rewards$108
                                            + Credits$8
                                            Net annual value$116

                                            Bonus rate on first $2,500/quarterly, then base rate

                                            No image
                                            6

                                            Capital One Venture X Rewards Credit Card

                                            Capital One

                                            2x Venture Miles on All Other
                                            2x × 1.9¢/pt = 1.9¢ per dollar

                                            Why this card

                                              $315 in credits offset the $395 fee

                                              VISA
                                              1.9¢
                                              per dollar on all other
                                              $395/yr($315 in credits)
                                              Annual rewards$111
                                              + Credits$315
                                              \u2212 Annual fee$395
                                              Net annual value$31
                                              Discover it Cash Back
                                              7

                                              Discover it Cash Back

                                              Discover

                                              5x Cashback on All Other
                                              5x × 1.0¢/pt = 1.5¢ per dollar

                                              Why this card

                                              1. 1.5x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

                                              No annual fee

                                              Promotional rate — may be time-limited

                                              DISCOVER
                                              Promotional
                                              1.5¢
                                              per dollar on all other
                                              No annual fee
                                              Annual rewards$90
                                              Net annual value$90

                                              Bonus rate on first $1,500/quarterly, then base rate

                                              No image
                                              8

                                              Jasper Cash Back Mastercard

                                              Webbank

                                              2% cash back on All Other

                                              Why this card

                                                No annual fee

                                                MASTERCARD
                                                1.6¢
                                                per dollar on all other
                                                No annual fee
                                                Annual rewards$96
                                                Net annual value$96

                                                Bonus rate on first $2,500/quarterly, then base rate

                                                No image
                                                9

                                                One Key+ Card

                                                Wells Fargo

                                                2% cash back on All Other

                                                Why this card

                                                  No annual fee

                                                  MASTERCARD
                                                  1.6¢
                                                  per dollar on all other
                                                  No annual fee
                                                  Annual rewards$96
                                                  Net annual value$96
                                                  Blue Cash Everyday Card from American Express
                                                  10

                                                  Blue Cash Everyday Card from American Express

                                                  Amex

                                                  3x Cashback on All Other
                                                  3x × 1.0¢/pt = 1.5¢ per dollar

                                                  Why this card

                                                  1. 1.3x on all other — points worth 1.0¢ each ($90/yr on $6,000 spend)

                                                  No annual fee

                                                  AMEX
                                                  Core Rate
                                                  1.5¢
                                                  per dollar on all other
                                                  No annual fee($70.80 in credits)
                                                  Annual rewards$90
                                                  + Credits$70.80
                                                  Net annual value$160.80

                                                  Bonus rate on first $6,000/annual, then base rate

                                                  Rakuten American Express Card
                                                  11

                                                  Rakuten American Express Card

                                                  First Electronic Bank

                                                  1% cash back on All Other

                                                  Convertible Cash Back — 1.0–2.0¢/$

                                                  This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                                                  Why this card

                                                  1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                                                  No annual fee

                                                  AMEX
                                                  Convertible
                                                  1.0–2.0¢
                                                  per dollar on all other
                                                  depending on redemption
                                                  No annual fee
                                                  Annual rewards$84.60
                                                  Net annual value$84.60
                                                  Citi Strata Premier Card
                                                  12

                                                  Citi Strata Premier Card

                                                  Citi

                                                  3x ThankYou Points on All Other
                                                  3x × 1.5¢/pt = 1.6¢ per dollar

                                                  Why this card

                                                  1. 1.3x on all other — points worth 1.5¢ each ($99/yr on $6,000 spend)
                                                  2. 2.$30/yr Instacart+ Savings

                                                  $50 in credits offset the $95 fee

                                                  MASTERCARD
                                                  Core Rate
                                                  1.6¢
                                                  per dollar on all other
                                                  $95/yr($50 in credits)
                                                  Annual rewards$99
                                                  + Credits$50
                                                  \u2212 Annual fee$95
                                                  Net annual value$54
                                                  No image
                                                  13

                                                  The Platinum Card from American Express

                                                  Amex

                                                  1x Membership Rewards on All Other
                                                  1x × 1.8¢/pt = 0.9¢ per dollar

                                                  Why this card

                                                  1. 1.$150/yr Lululemon Credit
                                                  2. 2.$78/yr Walmart+ Membership Credit

                                                  $1,212.50 in credits fully offsets the $895 fee

                                                  AMEX
                                                  0.9¢
                                                  per dollar on all other
                                                  $895/yr($1,212.50 in credits)
                                                  Annual rewards$54
                                                  + Credits$1,212.50
                                                  \u2212 Annual fee$895
                                                  Net annual value$371.50
                                                  Citi Strata Elite℠ Card
                                                  14

                                                  Citi Strata Elite℠ Card

                                                  Citi

                                                  1.5x ThankYou Points on All Other
                                                  1.5x × 1.5¢/pt = 1.1¢ per dollar

                                                  Why this card

                                                  1. 1.Travel and Shopping Protection

                                                  $762.50 in credits fully offsets the $595 fee

                                                  MASTERCARD
                                                  1.1¢
                                                  per dollar on all other
                                                  $595/yr($762.50 in credits)
                                                  Annual rewards$67.50
                                                  + Credits$762.50
                                                  \u2212 Annual fee$595
                                                  Net annual value$235
                                                  Gemini Credit Card
                                                  15

                                                  Gemini Credit Card

                                                  Genesis Fs

                                                  3x Cashback on All Other
                                                  3x × 1.0¢/pt = 1.1¢ per dollar

                                                  Why this card

                                                  1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)
                                                  2. 2.$30/yr Instacart+ Savings

                                                  No annual fee

                                                  MASTERCARD
                                                  Core Rate
                                                  1.1¢
                                                  per dollar on all other
                                                  No annual fee
                                                  Annual rewards$66
                                                  Net annual value$66
                                                  Birch Lane Mastercard
                                                  16

                                                  Birch Lane Mastercard

                                                  Citi

                                                  3% cash back on All Other

                                                  Why this card

                                                  1. 1.3% cash back on all other ($72/yr on $6,000 spend)
                                                  2. 2.$40/yr $40 Off First Order
                                                  3. 3.Free Shipping on Eligible Purchases

                                                  No annual fee

                                                  MASTERCARD
                                                  Core Rate
                                                  1.2¢
                                                  per dollar on all other
                                                  No annual fee
                                                  Annual rewards$72
                                                  Net annual value$72
                                                  Hilton Honors American Express Card
                                                  17

                                                  Hilton Honors American Express Card

                                                  Amex

                                                  3x Hilton Honors on All Other
                                                  3x × 0.5¢/pt = 1.3¢ per dollar

                                                  Why this card

                                                    No annual fee

                                                    AMEX
                                                    1.3¢
                                                    per dollar on all other
                                                    No annual fee
                                                    Annual rewards$75
                                                    Net annual value$75
                                                    Capital One VentureOne Rewards Credit Card
                                                    18

                                                    Capital One VentureOne Rewards Credit Card

                                                    Capital One

                                                    1.25x Venture Miles on All Other
                                                    1.25x × 1.9¢/pt = 1.2¢ per dollar

                                                    Why this card

                                                      No annual fee

                                                      MASTERCARD
                                                      1.2¢
                                                      per dollar on all other
                                                      No annual fee
                                                      Annual rewards$69.38
                                                      Net annual value$69.38
                                                      Hilton Honors American Express Surpass Card
                                                      19

                                                      Hilton Honors American Express Surpass Card

                                                      Amex

                                                      6x Hilton Honors on All Other
                                                      6x × 0.5¢/pt = 1.2¢ per dollar

                                                      Why this card

                                                      1. 1.6x on all other — points worth 0.5¢ each ($72/yr on $6,000 spend)

                                                      $100 in credits offset the $150 fee

                                                      AMEX
                                                      Core Rate
                                                      1.2¢
                                                      per dollar on all other
                                                      $150/yr($100 in credits)
                                                      Annual rewards$72
                                                      + Credits$100
                                                      \u2212 Annual fee$150
                                                      Net annual value$22
                                                      No image
                                                      20

                                                      TD Cash Credit Card

                                                      Td Bank

                                                      3x Cashback on All Other
                                                      3x × 1.0¢/pt = 1.1¢ per dollar

                                                      Why this card

                                                      1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

                                                      No annual fee

                                                      VISA
                                                      Core Rate
                                                      1.1¢
                                                      per dollar on all other
                                                      No annual fee($8 in credits)
                                                      Annual rewards$66
                                                      + Credits$8
                                                      Net annual value$74
                                                      Navy Federal More Rewards® Card
                                                      21

                                                      Navy Federal More Rewards® Card

                                                      Navy Federal

                                                      3x Navy Federal Nrewards on All Other
                                                      3x × 1.0¢/pt = 1.1¢ per dollar

                                                      Why this card

                                                      1. 1.3x on all other — points worth 1.0¢ each ($66/yr on $6,000 spend)

                                                      No annual fee

                                                      VISA
                                                      Core Rate
                                                      1.1¢
                                                      per dollar on all other
                                                      No annual fee($8 in credits)
                                                      Annual rewards$66
                                                      + Credits$8
                                                      Net annual value$74
                                                      Bank of America® Customized Cash Rewards for Students
                                                      22

                                                      Bank of America® Customized Cash Rewards for Students

                                                      Bank Of America

                                                      3x points on All Other

                                                      Why this card

                                                      1. 1.3x on all other ($78/yr on $6,000 spend)

                                                      No annual fee

                                                      VISA
                                                      Core Rate
                                                      1.3¢
                                                      per dollar on all other
                                                      No annual fee($8 in credits)
                                                      Annual rewards$78
                                                      + Credits$8
                                                      Net annual value$86

                                                      Bonus rate on first $2,500/quarterly, then base rate

                                                      My Best Buy® Visa® Card
                                                      23

                                                      My Best Buy® Visa® Card

                                                      Citi

                                                      1% cash back on All Other

                                                      Why this card

                                                      1. 1.Contactless Card Technology

                                                      No annual fee

                                                      VISA
                                                      0.9¢
                                                      per dollar on all other
                                                      No annual fee
                                                      Annual rewards$54
                                                      Net annual value$54
                                                      No image
                                                      24

                                                      Capital One SavorOne Student Cash Rewards Credit Card

                                                      Capital One

                                                      3% cash back on All Other

                                                      Why this card

                                                      1. 1.3% cash back on all other ($66/yr on $6,000 spend)

                                                      No annual fee

                                                      MASTERCARD
                                                      Core Rate
                                                      1.1¢
                                                      per dollar on all other
                                                      No annual fee($119.88 in credits)
                                                      Annual rewards$66
                                                      + Credits$119.88
                                                      Net annual value$185.88
                                                      Blue Cash Preferred Card from American Express
                                                      25

                                                      Blue Cash Preferred Card from American Express

                                                      Amex

                                                      6x Cashback on All Other
                                                      6x × 1.0¢/pt = 1.2¢ per dollar

                                                      Why this card

                                                      1. 1.6x on all other — points worth 1.0¢ each ($72/yr on $6,000 spend)

                                                      $120 in credits fully offsets the $95 fee

                                                      AMEX
                                                      Core Rate
                                                      1.2¢
                                                      per dollar on all other
                                                      $95/yr (Y1 waived)($120 in credits)
                                                      Annual rewards$72
                                                      + Credits$120
                                                      \u2212 Annual fee$95
                                                      Net annual value$97

                                                      Bonus rate on first $6,000/annual, then base rate

                                                      Wells Fargo Active Cash Card
                                                      26

                                                      Wells Fargo Active Cash Card

                                                      Wells Fargo

                                                      2% cash back on All Other

                                                      Why this card

                                                        No annual fee

                                                        VISA
                                                        1.0¢
                                                        per dollar on all other
                                                        No annual fee($8 in credits)
                                                        Annual rewards$60
                                                        + Credits$8
                                                        Net annual value$68
                                                        Fidelity Rewards Visa Signature Card
                                                        27

                                                        Fidelity Rewards Visa Signature Card

                                                        Elan Financial

                                                        2% cash back on All Other

                                                        Why this card

                                                          No annual fee

                                                          VISA
                                                          1.0¢
                                                          per dollar on all other
                                                          No annual fee($8 in credits)
                                                          Annual rewards$60
                                                          + Credits$8
                                                          Net annual value$68
                                                          U.S. Bank Smartly Visa Signature Card
                                                          28

                                                          U.S. Bank Smartly Visa Signature Card

                                                          Usbank

                                                          2% cash back on All Other

                                                          Why this card

                                                            No annual fee

                                                            VISA
                                                            1.0¢
                                                            per dollar on all other
                                                            No annual fee($8 in credits)
                                                            Annual rewards$60
                                                            + Credits$8
                                                            Net annual value$68
                                                            NHL® Discover It®
                                                            29

                                                            NHL® Discover It®

                                                            Discover

                                                            5x points on All Other

                                                            Why this card

                                                            1. 1.5x on all other ($60/yr on $6,000 spend)

                                                            No annual fee

                                                            DISCOVER
                                                            Core Rate
                                                            1.0¢
                                                            per dollar on all other
                                                            No annual fee
                                                            Annual rewards$60
                                                            Net annual value$60

                                                            Bonus rate on first $1,500/quarterly, then base rate

                                                            Bilt Blue Card
                                                            30

                                                            Bilt Blue Card

                                                            Cardless

                                                            1x Bilt Rewards on All Other
                                                            1x × 2.0¢/pt = 1.0¢ per dollar

                                                            Why this card

                                                              No annual fee

                                                              MASTERCARD
                                                              1.0¢
                                                              per dollar on all other
                                                              No annual fee
                                                              Annual rewards$60
                                                              Net annual value$60