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  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
airline fee credit

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

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

Results from

$6,000

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Resolved as:All Other
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90%
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1

The Platinum Card from American Express

Amex

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

Why this card

  1. 1.$100/yr Airline Fee Credit

$1,322 in credits fully offsets the $895 fee

AMEX
1.8¢
per dollar on all other
$895/yr($1,322 in credits)
Annual rewards$108
+ Credits$1,322
\u2212 Annual fee$895
Net annual value$535
Citi Strata Elite℠ Card
2

Citi Strata Elite℠ Card

Citi

1.5x ThankYou Points on All Other
1.5x × 1.5¢/pt = 2.3¢ per dollar

Why this card

  1. 1.American Airlines Admirals Club® Lounge Access Passes
  2. 2.Points transfer

$762.50 in credits fully offsets the $595 fee

MASTERCARD
2.3¢
per dollar on all other
$595/yr($762.50 in credits)
Annual rewards$135
+ Credits$762.50
\u2212 Annual fee$595
Net annual value$302.50
Chase Sapphire Reserve
3

Chase Sapphire Reserve

Chase

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

Why this card

  1. 1.A-List Status with Southwest Airlines

$968 in credits fully offsets the $795 fee

VISA
1.8¢
per dollar on all other
$795/yr($968 in credits)
Annual rewards$108
+ Credits$968
\u2212 Annual fee$795
Net annual value$281
Atmos Rewards Ascent Visa Signature Card
4

Atmos Rewards Ascent Visa Signature Card

Bank Of America

1x Atmos Rewards on All Other
1x × 1.1¢/pt = 1.1¢ per dollar

Why this card

  1. 1.Annual Companion Fare
  2. 2.Free First Checked Bag
  3. 3.Preferred Boarding

$8 in credits offset the $95 fee

VISA
1.1¢
per dollar on all other
$95/yr($8 in credits)
Annual rewards$66.00
+ Credits$8
\u2212 Annual fee$95
Net annual value-$21.00
No image
5

FRONTIER Airlines World Mastercard

Barclays

1x Frontier Miles on All Other
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.FREE CHECKED BAGS
  2. 2.PRIORITY BOARDING
MASTERCARD
1.0¢
per dollar on all other
$99/yr (Y1 waived)
Annual rewards$60
\u2212 Annual fee$99
Net annual value-$39
Alaska Airlines Visa Signature Credit Card
6

Alaska Airlines Visa Signature Credit Card

Bank Of America

1x Alaska Mileage Plan on All Other
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Famous Companion Fare
  2. 2.Free First Checked Bag
  3. 3.Priority Boarding - Group C

$8 in credits offset the $95 fee

VISA
1.0¢
per dollar on all other
$95/yr($8 in credits)
Annual rewards$60
+ Credits$8
\u2212 Annual fee$95
Net annual value-$27
Citi Strata Credit Card
7

Citi Strata Credit Card

Citi

1x ThankYou Points on All Other
1x × 1.5¢/pt = 1.5¢ per dollar

Why this card

  1. 1.Points transfer

No annual fee

MASTERCARD
1.5¢
per dollar on all other
No annual fee($162.50 in credits)
Annual rewards$90
+ Credits$162.50
Net annual value$252.50
Delta SkyMiles Blue American Express Card
8

Delta SkyMiles Blue American Express Card

Amex

1x Delta Skymiles on All Other
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.$25/yr 20% Back on In-Flight Purchases

No annual fee

AMEX
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Atmos Rewards Summit Visa Infinite Credit Card
9

Atmos Rewards Summit Visa Infinite Credit Card

Atmos Financial

1x Atmos Rewards on All Other
1x × 1.1¢/pt = 1.1¢ per dollar

Why this card

  1. 1.Free checked bag

$15 in credits offset the $395 fee

VISA
1.1¢
per dollar on all other
$395/yr($15 in credits)
Annual rewards$66.00
+ Credits$15
\u2212 Annual fee$395
Net annual value-$314
No image
10

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on All Other
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on all other
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    \u2212 Annual fee$395
    Net annual value$142
    Delta SkyMiles Gold American Express Card
    11

    Delta SkyMiles Gold American Express Card

    Amex

    1x Delta Skymiles on All Other
    1x × 1.0¢/pt = 1.0¢ per dollar

    Why this card

    1. 1.$50/yr $100 Delta Stays Credit
    2. 2.TakeOff 15

    $50 in credits offset the $150 fee

    AMEX
    1.0¢
    per dollar on all other
    $150/yr (Y1 waived)($50 in credits)
    Annual rewards$60
    + Credits$50
    \u2212 Annual fee$150
    Net annual value-$40
    Delta SkyMiles Platinum American Express Card
    12

    Delta SkyMiles Platinum American Express Card

    Amex

    1x Delta Skymiles on All Other
    1x × 1.0¢/pt = 1.0¢ per dollar

    Why this card

    1. 1.$75/yr $150 Delta Stays Credit
    2. 2.Complimentary Upgrade List
    3. 3.TakeOff 15

    $139.94 in credits offset the $350 fee

    AMEX
    1.0¢
    per dollar on all other
    $350/yr($139.94 in credits)
    Annual rewards$60
    + Credits$139.94
    \u2212 Annual fee$350
    Net annual value-$150.06
    Wells Fargo Active Cash Card
    13

    Wells Fargo Active Cash Card

    Wells Fargo

    2% cash back on All Other

    Why this card

      No annual fee

      VISA
      2.0¢
      per dollar on all other
      No annual fee($8 in credits)
      Annual rewards$120
      + Credits$8
      Net annual value$128
      Capital One VentureOne Rewards Credit Card
      14

      Capital One VentureOne Rewards Credit Card

      Capital One

      1.25x Venture Miles on All Other
      1.25x × 1.9¢/pt = 2.3¢ per dollar

      Why this card

        No annual fee

        MASTERCARD
        2.3¢
        per dollar on all other
        No annual fee
        Annual rewards$138.75
        Net annual value$138.75
        No image
        15

        TD Double Up Credit Card

        Td Bank

        2% cash back on All Other

        Why this card

          No annual fee

          VISA
          2.0¢
          per dollar on all other
          No annual fee($8 in credits)
          Annual rewards$120
          + Credits$8
          Net annual value$128
          Bank of America Unlimited Cash Rewards Credit Card
          16

          Bank of America Unlimited Cash Rewards Credit Card

          Bank Of America

          2% cash back on All Other

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on all other
            No annual fee($8 in credits)
            Annual rewards$120
            + Credits$8
            Net annual value$128
            Fidelity Rewards Visa Signature Card
            17

            Fidelity Rewards Visa Signature Card

            Elan Financial

            2% cash back on All Other

            Why this card

              No annual fee

              VISA
              2.0¢
              per dollar on all other
              No annual fee($8 in credits)
              Annual rewards$120
              + Credits$8
              Net annual value$128
              Navy Federal Flagship Rewards® Card
              18

              Navy Federal Flagship Rewards® Card

              Navy Federal

              2x Navy Federal Nrewards on All Other
              2x × 1.0¢/pt = 2.0¢ per dollar

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on all other
                No annual fee($8 in credits)
                Annual rewards$120
                + Credits$8
                Net annual value$128
                No image
                19

                Verizon Visa Card

                Synchrony

                2% cash back on All Other

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on all other
                  No annual fee($8 in credits)
                  Annual rewards$120
                  + Credits$8
                  Net annual value$128
                  U.S. Bank Smartly Visa Signature Card
                  20

                  U.S. Bank Smartly Visa Signature Card

                  Usbank

                  2% cash back on All Other

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on all other
                    No annual fee($8 in credits)
                    Annual rewards$120
                    + Credits$8
                    Net annual value$128
                    Synchrony Premier Mastercard
                    21

                    Synchrony Premier Mastercard

                    Synchrony

                    2% cash back on All Other

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.0¢
                      per dollar on all other
                      No annual fee
                      Annual rewards$120
                      Net annual value$120
                      No image
                      22

                      One Key+ Card

                      Wells Fargo

                      2% cash back on All Other

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.0¢
                        per dollar on all other
                        No annual fee
                        Annual rewards$120
                        Net annual value$120
                        Bilt Blue Card
                        23

                        Bilt Blue Card

                        Cardless

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

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on all other
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          Bank of America® Unlimited Cash Rewards for Students
                          24

                          Bank of America® Unlimited Cash Rewards for Students

                          Bank Of America

                          2% cash back on All Other

                          Why this card

                            No annual fee

                            VISA
                            2.0¢
                            per dollar on all other
                            No annual fee($8 in credits)
                            Annual rewards$120
                            + Credits$8
                            Net annual value$128
                            No image
                            25

                            SoFi Credit Card

                            Sofi

                            2% cash back on All Other

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on all other
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              No image
                              26

                              Jasper Cash Back Mastercard

                              Webbank

                              2% cash back on All Other

                              Why this card

                                No annual fee

                                MASTERCARD
                                2.0¢
                                per dollar on all other
                                No annual fee
                                Annual rewards$120
                                Net annual value$120
                                Rakuten American Express Card
                                27

                                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$94
                                Net annual value$94
                                Discover it® Miles
                                28

                                Discover it® Miles

                                Discover

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

                                Why this card

                                  No annual fee

                                  DISCOVER
                                  1.5¢
                                  per dollar on all other
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Capital One QuicksilverOne Cash Rewards Credit Card
                                  29

                                  Capital One QuicksilverOne Cash Rewards Credit Card

                                  Capital One

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

                                  Why this card

                                    $29.97 in credits offset the $39 fee

                                    MASTERCARD
                                    1.5¢
                                    per dollar on all other
                                    $39/yr($29.97 in credits)
                                    Annual rewards$90
                                    + Credits$29.97
                                    \u2212 Annual fee$39
                                    Net annual value$80.97
                                    Bilt Obsidian Card
                                    30

                                    Bilt Obsidian Card

                                    Cardless

                                    1x Bilt Rewards on All Other
                                    1x × 2.0¢/pt = 2.0¢ per dollar
                                    MASTERCARD
                                    2.0¢
                                    per dollar on all other
                                    $95/yr
                                    Annual rewards$120
                                    \u2212 Annual fee$95
                                    Net annual value$25

                                    Results from

                                    $6,000

                                    Scoring mode

                                    Options

                                    Point valuation

                                    Booking

                                    Rewards

                                    Programs

                                    Networks

                                    Refine results

                                    No annual fee only?

                                    Avoid Amex network?

                                    Already have a premium card?

                                    Resolved as:All Other
                                    Keyword
                                    90%
                                    102 matches3584ms
                                    No image
                                    1

                                    The Platinum Card from American Express

                                    Amex

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

                                    Why this card

                                    1. 1.$100/yr Airline Fee Credit

                                    $1,322 in credits fully offsets the $895 fee

                                    AMEX
                                    1.8¢
                                    per dollar on all other
                                    $895/yr($1,322 in credits)
                                    Annual rewards$108
                                    + Credits$1,322
                                    \u2212 Annual fee$895
                                    Net annual value$535
                                    Citi Strata Elite℠ Card
                                    2

                                    Citi Strata Elite℠ Card

                                    Citi

                                    1.5x ThankYou Points on All Other
                                    1.5x × 1.5¢/pt = 2.3¢ per dollar

                                    Why this card

                                    1. 1.American Airlines Admirals Club® Lounge Access Passes
                                    2. 2.Points transfer

                                    $762.50 in credits fully offsets the $595 fee

                                    MASTERCARD
                                    2.3¢
                                    per dollar on all other
                                    $595/yr($762.50 in credits)
                                    Annual rewards$135
                                    + Credits$762.50
                                    \u2212 Annual fee$595
                                    Net annual value$302.50
                                    Chase Sapphire Reserve
                                    3

                                    Chase Sapphire Reserve

                                    Chase

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

                                    Why this card

                                    1. 1.A-List Status with Southwest Airlines

                                    $968 in credits fully offsets the $795 fee

                                    VISA
                                    1.8¢
                                    per dollar on all other
                                    $795/yr($968 in credits)
                                    Annual rewards$108
                                    + Credits$968
                                    \u2212 Annual fee$795
                                    Net annual value$281
                                    Atmos Rewards Ascent Visa Signature Card
                                    4

                                    Atmos Rewards Ascent Visa Signature Card

                                    Bank Of America

                                    1x Atmos Rewards on All Other
                                    1x × 1.1¢/pt = 1.1¢ per dollar

                                    Why this card

                                    1. 1.Annual Companion Fare
                                    2. 2.Free First Checked Bag
                                    3. 3.Preferred Boarding

                                    $8 in credits offset the $95 fee

                                    VISA
                                    1.1¢
                                    per dollar on all other
                                    $95/yr($8 in credits)
                                    Annual rewards$66.00
                                    + Credits$8
                                    \u2212 Annual fee$95
                                    Net annual value-$21.00
                                    No image
                                    5

                                    FRONTIER Airlines World Mastercard

                                    Barclays

                                    1x Frontier Miles on All Other
                                    1x × 1.0¢/pt = 1.0¢ per dollar

                                    Why this card

                                    1. 1.FREE CHECKED BAGS
                                    2. 2.PRIORITY BOARDING
                                    MASTERCARD
                                    1.0¢
                                    per dollar on all other
                                    $99/yr (Y1 waived)
                                    Annual rewards$60
                                    \u2212 Annual fee$99
                                    Net annual value-$39
                                    Alaska Airlines Visa Signature Credit Card
                                    6

                                    Alaska Airlines Visa Signature Credit Card

                                    Bank Of America

                                    1x Alaska Mileage Plan on All Other
                                    1x × 1.0¢/pt = 1.0¢ per dollar

                                    Why this card

                                    1. 1.Famous Companion Fare
                                    2. 2.Free First Checked Bag
                                    3. 3.Priority Boarding - Group C

                                    $8 in credits offset the $95 fee

                                    VISA
                                    1.0¢
                                    per dollar on all other
                                    $95/yr($8 in credits)
                                    Annual rewards$60
                                    + Credits$8
                                    \u2212 Annual fee$95
                                    Net annual value-$27
                                    Citi Strata Credit Card
                                    7

                                    Citi Strata Credit Card

                                    Citi

                                    1x ThankYou Points on All Other
                                    1x × 1.5¢/pt = 1.5¢ per dollar

                                    Why this card

                                    1. 1.Points transfer

                                    No annual fee

                                    MASTERCARD
                                    1.5¢
                                    per dollar on all other
                                    No annual fee($162.50 in credits)
                                    Annual rewards$90
                                    + Credits$162.50
                                    Net annual value$252.50
                                    Delta SkyMiles Blue American Express Card
                                    8

                                    Delta SkyMiles Blue American Express Card

                                    Amex

                                    1x Delta Skymiles on All Other
                                    1x × 1.0¢/pt = 1.0¢ per dollar

                                    Why this card

                                    1. 1.$25/yr 20% Back on In-Flight Purchases

                                    No annual fee

                                    AMEX
                                    1.0¢
                                    per dollar on all other
                                    No annual fee
                                    Annual rewards$60
                                    Net annual value$60
                                    Atmos Rewards Summit Visa Infinite Credit Card
                                    9

                                    Atmos Rewards Summit Visa Infinite Credit Card

                                    Atmos Financial

                                    1x Atmos Rewards on All Other
                                    1x × 1.1¢/pt = 1.1¢ per dollar

                                    Why this card

                                    1. 1.Free checked bag

                                    $15 in credits offset the $395 fee

                                    VISA
                                    1.1¢
                                    per dollar on all other
                                    $395/yr($15 in credits)
                                    Annual rewards$66.00
                                    + Credits$15
                                    \u2212 Annual fee$395
                                    Net annual value-$314
                                    No image
                                    10

                                    Capital One Venture X Rewards Credit Card

                                    Capital One

                                    2x Venture Miles on All Other
                                    2x × 1.9¢/pt = 3.7¢ per dollar

                                    Why this card

                                      $315 in credits offset the $395 fee

                                      VISA
                                      3.7¢
                                      per dollar on all other
                                      $395/yr($315 in credits)
                                      Annual rewards$222
                                      + Credits$315
                                      \u2212 Annual fee$395
                                      Net annual value$142
                                      Delta SkyMiles Gold American Express Card
                                      11

                                      Delta SkyMiles Gold American Express Card

                                      Amex

                                      1x Delta Skymiles on All Other
                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                      Why this card

                                      1. 1.$50/yr $100 Delta Stays Credit
                                      2. 2.TakeOff 15

                                      $50 in credits offset the $150 fee

                                      AMEX
                                      1.0¢
                                      per dollar on all other
                                      $150/yr (Y1 waived)($50 in credits)
                                      Annual rewards$60
                                      + Credits$50
                                      \u2212 Annual fee$150
                                      Net annual value-$40
                                      Delta SkyMiles Platinum American Express Card
                                      12

                                      Delta SkyMiles Platinum American Express Card

                                      Amex

                                      1x Delta Skymiles on All Other
                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                      Why this card

                                      1. 1.$75/yr $150 Delta Stays Credit
                                      2. 2.Complimentary Upgrade List
                                      3. 3.TakeOff 15

                                      $139.94 in credits offset the $350 fee

                                      AMEX
                                      1.0¢
                                      per dollar on all other
                                      $350/yr($139.94 in credits)
                                      Annual rewards$60
                                      + Credits$139.94
                                      \u2212 Annual fee$350
                                      Net annual value-$150.06
                                      Wells Fargo Active Cash Card
                                      13

                                      Wells Fargo Active Cash Card

                                      Wells Fargo

                                      2% cash back on All Other

                                      Why this card

                                        No annual fee

                                        VISA
                                        2.0¢
                                        per dollar on all other
                                        No annual fee($8 in credits)
                                        Annual rewards$120
                                        + Credits$8
                                        Net annual value$128
                                        Capital One VentureOne Rewards Credit Card
                                        14

                                        Capital One VentureOne Rewards Credit Card

                                        Capital One

                                        1.25x Venture Miles on All Other
                                        1.25x × 1.9¢/pt = 2.3¢ per dollar

                                        Why this card

                                          No annual fee

                                          MASTERCARD
                                          2.3¢
                                          per dollar on all other
                                          No annual fee
                                          Annual rewards$138.75
                                          Net annual value$138.75
                                          No image
                                          15

                                          TD Double Up Credit Card

                                          Td Bank

                                          2% cash back on All Other

                                          Why this card

                                            No annual fee

                                            VISA
                                            2.0¢
                                            per dollar on all other
                                            No annual fee($8 in credits)
                                            Annual rewards$120
                                            + Credits$8
                                            Net annual value$128
                                            Bank of America Unlimited Cash Rewards Credit Card
                                            16

                                            Bank of America Unlimited Cash Rewards Credit Card

                                            Bank Of America

                                            2% cash back on All Other

                                            Why this card

                                              No annual fee

                                              VISA
                                              2.0¢
                                              per dollar on all other
                                              No annual fee($8 in credits)
                                              Annual rewards$120
                                              + Credits$8
                                              Net annual value$128
                                              Fidelity Rewards Visa Signature Card
                                              17

                                              Fidelity Rewards Visa Signature Card

                                              Elan Financial

                                              2% cash back on All Other

                                              Why this card

                                                No annual fee

                                                VISA
                                                2.0¢
                                                per dollar on all other
                                                No annual fee($8 in credits)
                                                Annual rewards$120
                                                + Credits$8
                                                Net annual value$128
                                                Navy Federal Flagship Rewards® Card
                                                18

                                                Navy Federal Flagship Rewards® Card

                                                Navy Federal

                                                2x Navy Federal Nrewards on All Other
                                                2x × 1.0¢/pt = 2.0¢ per dollar

                                                Why this card

                                                  No annual fee

                                                  VISA
                                                  2.0¢
                                                  per dollar on all other
                                                  No annual fee($8 in credits)
                                                  Annual rewards$120
                                                  + Credits$8
                                                  Net annual value$128
                                                  No image
                                                  19

                                                  Verizon Visa Card

                                                  Synchrony

                                                  2% cash back on All Other

                                                  Why this card

                                                    No annual fee

                                                    VISA
                                                    2.0¢
                                                    per dollar on all other
                                                    No annual fee($8 in credits)
                                                    Annual rewards$120
                                                    + Credits$8
                                                    Net annual value$128
                                                    U.S. Bank Smartly Visa Signature Card
                                                    20

                                                    U.S. Bank Smartly Visa Signature Card

                                                    Usbank

                                                    2% cash back on All Other

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      2.0¢
                                                      per dollar on all other
                                                      No annual fee($8 in credits)
                                                      Annual rewards$120
                                                      + Credits$8
                                                      Net annual value$128
                                                      Synchrony Premier Mastercard
                                                      21

                                                      Synchrony Premier Mastercard

                                                      Synchrony

                                                      2% cash back on All Other

                                                      Why this card

                                                        No annual fee

                                                        MASTERCARD
                                                        2.0¢
                                                        per dollar on all other
                                                        No annual fee
                                                        Annual rewards$120
                                                        Net annual value$120
                                                        No image
                                                        22

                                                        One Key+ Card

                                                        Wells Fargo

                                                        2% cash back on All Other

                                                        Why this card

                                                          No annual fee

                                                          MASTERCARD
                                                          2.0¢
                                                          per dollar on all other
                                                          No annual fee
                                                          Annual rewards$120
                                                          Net annual value$120
                                                          Bilt Blue Card
                                                          23

                                                          Bilt Blue Card

                                                          Cardless

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

                                                          Why this card

                                                            No annual fee

                                                            MASTERCARD
                                                            2.0¢
                                                            per dollar on all other
                                                            No annual fee
                                                            Annual rewards$120
                                                            Net annual value$120
                                                            Bank of America® Unlimited Cash Rewards for Students
                                                            24

                                                            Bank of America® Unlimited Cash Rewards for Students

                                                            Bank Of America

                                                            2% cash back on All Other

                                                            Why this card

                                                              No annual fee

                                                              VISA
                                                              2.0¢
                                                              per dollar on all other
                                                              No annual fee($8 in credits)
                                                              Annual rewards$120
                                                              + Credits$8
                                                              Net annual value$128
                                                              No image
                                                              25

                                                              SoFi Credit Card

                                                              Sofi

                                                              2% cash back on All Other

                                                              Why this card

                                                                No annual fee

                                                                MASTERCARD
                                                                2.0¢
                                                                per dollar on all other
                                                                No annual fee
                                                                Annual rewards$120
                                                                Net annual value$120
                                                                No image
                                                                26

                                                                Jasper Cash Back Mastercard

                                                                Webbank

                                                                2% cash back on All Other

                                                                Why this card

                                                                  No annual fee

                                                                  MASTERCARD
                                                                  2.0¢
                                                                  per dollar on all other
                                                                  No annual fee
                                                                  Annual rewards$120
                                                                  Net annual value$120
                                                                  Rakuten American Express Card
                                                                  27

                                                                  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$94
                                                                  Net annual value$94
                                                                  Discover it® Miles
                                                                  28

                                                                  Discover it® Miles

                                                                  Discover

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

                                                                  Why this card

                                                                    No annual fee

                                                                    DISCOVER
                                                                    1.5¢
                                                                    per dollar on all other
                                                                    No annual fee
                                                                    Annual rewards$90
                                                                    Net annual value$90
                                                                    Capital One QuicksilverOne Cash Rewards Credit Card
                                                                    29

                                                                    Capital One QuicksilverOne Cash Rewards Credit Card

                                                                    Capital One

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

                                                                    Why this card

                                                                      $29.97 in credits offset the $39 fee

                                                                      MASTERCARD
                                                                      1.5¢
                                                                      per dollar on all other
                                                                      $39/yr($29.97 in credits)
                                                                      Annual rewards$90
                                                                      + Credits$29.97
                                                                      \u2212 Annual fee$39
                                                                      Net annual value$80.97
                                                                      Bilt Obsidian Card
                                                                      30

                                                                      Bilt Obsidian Card

                                                                      Cardless

                                                                      1x Bilt Rewards on All Other
                                                                      1x × 2.0¢/pt = 2.0¢ per dollar
                                                                      MASTERCARD
                                                                      2.0¢
                                                                      per dollar on all other
                                                                      $95/yr
                                                                      Annual rewards$120
                                                                      \u2212 Annual fee$95
                                                                      Net annual value$25

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                                                                      $6,000

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                                                                      1

                                                                      The Platinum Card from American Express

                                                                      Amex

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

                                                                      Why this card

                                                                      1. 1.$100/yr Airline Fee Credit

                                                                      $1,322 in credits fully offsets the $895 fee

                                                                      AMEX
                                                                      1.8¢
                                                                      per dollar on all other
                                                                      $895/yr($1,322 in credits)
                                                                      Annual rewards$108
                                                                      + Credits$1,322
                                                                      \u2212 Annual fee$895
                                                                      Net annual value$535
                                                                      Citi Strata Elite℠ Card
                                                                      2

                                                                      Citi Strata Elite℠ Card

                                                                      Citi

                                                                      1.5x ThankYou Points on All Other
                                                                      1.5x × 1.5¢/pt = 2.3¢ per dollar

                                                                      Why this card

                                                                      1. 1.American Airlines Admirals Club® Lounge Access Passes
                                                                      2. 2.Points transfer

                                                                      $762.50 in credits fully offsets the $595 fee

                                                                      MASTERCARD
                                                                      2.3¢
                                                                      per dollar on all other
                                                                      $595/yr($762.50 in credits)
                                                                      Annual rewards$135
                                                                      + Credits$762.50
                                                                      \u2212 Annual fee$595
                                                                      Net annual value$302.50
                                                                      Chase Sapphire Reserve
                                                                      3

                                                                      Chase Sapphire Reserve

                                                                      Chase

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

                                                                      Why this card

                                                                      1. 1.A-List Status with Southwest Airlines

                                                                      $968 in credits fully offsets the $795 fee

                                                                      VISA
                                                                      1.8¢
                                                                      per dollar on all other
                                                                      $795/yr($968 in credits)
                                                                      Annual rewards$108
                                                                      + Credits$968
                                                                      \u2212 Annual fee$795
                                                                      Net annual value$281
                                                                      Atmos Rewards Ascent Visa Signature Card
                                                                      4

                                                                      Atmos Rewards Ascent Visa Signature Card

                                                                      Bank Of America

                                                                      1x Atmos Rewards on All Other
                                                                      1x × 1.1¢/pt = 1.1¢ per dollar

                                                                      Why this card

                                                                      1. 1.Annual Companion Fare
                                                                      2. 2.Free First Checked Bag
                                                                      3. 3.Preferred Boarding

                                                                      $8 in credits offset the $95 fee

                                                                      VISA
                                                                      1.1¢
                                                                      per dollar on all other
                                                                      $95/yr($8 in credits)
                                                                      Annual rewards$66.00
                                                                      + Credits$8
                                                                      \u2212 Annual fee$95
                                                                      Net annual value-$21.00
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                                                                      5

                                                                      FRONTIER Airlines World Mastercard

                                                                      Barclays

                                                                      1x Frontier Miles on All Other
                                                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                                                      Why this card

                                                                      1. 1.FREE CHECKED BAGS
                                                                      2. 2.PRIORITY BOARDING
                                                                      MASTERCARD
                                                                      1.0¢
                                                                      per dollar on all other
                                                                      $99/yr (Y1 waived)
                                                                      Annual rewards$60
                                                                      \u2212 Annual fee$99
                                                                      Net annual value-$39
                                                                      Alaska Airlines Visa Signature Credit Card
                                                                      6

                                                                      Alaska Airlines Visa Signature Credit Card

                                                                      Bank Of America

                                                                      1x Alaska Mileage Plan on All Other
                                                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                                                      Why this card

                                                                      1. 1.Famous Companion Fare
                                                                      2. 2.Free First Checked Bag
                                                                      3. 3.Priority Boarding - Group C

                                                                      $8 in credits offset the $95 fee

                                                                      VISA
                                                                      1.0¢
                                                                      per dollar on all other
                                                                      $95/yr($8 in credits)
                                                                      Annual rewards$60
                                                                      + Credits$8
                                                                      \u2212 Annual fee$95
                                                                      Net annual value-$27
                                                                      Citi Strata Credit Card
                                                                      7

                                                                      Citi Strata Credit Card

                                                                      Citi

                                                                      1x ThankYou Points on All Other
                                                                      1x × 1.5¢/pt = 1.5¢ per dollar

                                                                      Why this card

                                                                      1. 1.Points transfer

                                                                      No annual fee

                                                                      MASTERCARD
                                                                      1.5¢
                                                                      per dollar on all other
                                                                      No annual fee($162.50 in credits)
                                                                      Annual rewards$90
                                                                      + Credits$162.50
                                                                      Net annual value$252.50
                                                                      Delta SkyMiles Blue American Express Card
                                                                      8

                                                                      Delta SkyMiles Blue American Express Card

                                                                      Amex

                                                                      1x Delta Skymiles on All Other
                                                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                                                      Why this card

                                                                      1. 1.$25/yr 20% Back on In-Flight Purchases

                                                                      No annual fee

                                                                      AMEX
                                                                      1.0¢
                                                                      per dollar on all other
                                                                      No annual fee
                                                                      Annual rewards$60
                                                                      Net annual value$60
                                                                      Atmos Rewards Summit Visa Infinite Credit Card
                                                                      9

                                                                      Atmos Rewards Summit Visa Infinite Credit Card

                                                                      Atmos Financial

                                                                      1x Atmos Rewards on All Other
                                                                      1x × 1.1¢/pt = 1.1¢ per dollar

                                                                      Why this card

                                                                      1. 1.Free checked bag

                                                                      $15 in credits offset the $395 fee

                                                                      VISA
                                                                      1.1¢
                                                                      per dollar on all other
                                                                      $395/yr($15 in credits)
                                                                      Annual rewards$66.00
                                                                      + Credits$15
                                                                      \u2212 Annual fee$395
                                                                      Net annual value-$314
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                                                                      10

                                                                      Capital One Venture X Rewards Credit Card

                                                                      Capital One

                                                                      2x Venture Miles on All Other
                                                                      2x × 1.9¢/pt = 3.7¢ per dollar

                                                                      Why this card

                                                                        $315 in credits offset the $395 fee

                                                                        VISA
                                                                        3.7¢
                                                                        per dollar on all other
                                                                        $395/yr($315 in credits)
                                                                        Annual rewards$222
                                                                        + Credits$315
                                                                        \u2212 Annual fee$395
                                                                        Net annual value$142
                                                                        Delta SkyMiles Gold American Express Card
                                                                        11

                                                                        Delta SkyMiles Gold American Express Card

                                                                        Amex

                                                                        1x Delta Skymiles on All Other
                                                                        1x × 1.0¢/pt = 1.0¢ per dollar

                                                                        Why this card

                                                                        1. 1.$50/yr $100 Delta Stays Credit
                                                                        2. 2.TakeOff 15

                                                                        $50 in credits offset the $150 fee

                                                                        AMEX
                                                                        1.0¢
                                                                        per dollar on all other
                                                                        $150/yr (Y1 waived)($50 in credits)
                                                                        Annual rewards$60
                                                                        + Credits$50
                                                                        \u2212 Annual fee$150
                                                                        Net annual value-$40
                                                                        Delta SkyMiles Platinum American Express Card
                                                                        12

                                                                        Delta SkyMiles Platinum American Express Card

                                                                        Amex

                                                                        1x Delta Skymiles on All Other
                                                                        1x × 1.0¢/pt = 1.0¢ per dollar

                                                                        Why this card

                                                                        1. 1.$75/yr $150 Delta Stays Credit
                                                                        2. 2.Complimentary Upgrade List
                                                                        3. 3.TakeOff 15

                                                                        $139.94 in credits offset the $350 fee

                                                                        AMEX
                                                                        1.0¢
                                                                        per dollar on all other
                                                                        $350/yr($139.94 in credits)
                                                                        Annual rewards$60
                                                                        + Credits$139.94
                                                                        \u2212 Annual fee$350
                                                                        Net annual value-$150.06
                                                                        Wells Fargo Active Cash Card
                                                                        13

                                                                        Wells Fargo Active Cash Card

                                                                        Wells Fargo

                                                                        2% cash back on All Other

                                                                        Why this card

                                                                          No annual fee

                                                                          VISA
                                                                          2.0¢
                                                                          per dollar on all other
                                                                          No annual fee($8 in credits)
                                                                          Annual rewards$120
                                                                          + Credits$8
                                                                          Net annual value$128
                                                                          Capital One VentureOne Rewards Credit Card
                                                                          14

                                                                          Capital One VentureOne Rewards Credit Card

                                                                          Capital One

                                                                          1.25x Venture Miles on All Other
                                                                          1.25x × 1.9¢/pt = 2.3¢ per dollar

                                                                          Why this card

                                                                            No annual fee

                                                                            MASTERCARD
                                                                            2.3¢
                                                                            per dollar on all other
                                                                            No annual fee
                                                                            Annual rewards$138.75
                                                                            Net annual value$138.75
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                                                                            15

                                                                            TD Double Up Credit Card

                                                                            Td Bank

                                                                            2% cash back on All Other

                                                                            Why this card

                                                                              No annual fee

                                                                              VISA
                                                                              2.0¢
                                                                              per dollar on all other
                                                                              No annual fee($8 in credits)
                                                                              Annual rewards$120
                                                                              + Credits$8
                                                                              Net annual value$128
                                                                              Bank of America Unlimited Cash Rewards Credit Card
                                                                              16

                                                                              Bank of America Unlimited Cash Rewards Credit Card

                                                                              Bank Of America

                                                                              2% cash back on All Other

                                                                              Why this card

                                                                                No annual fee

                                                                                VISA
                                                                                2.0¢
                                                                                per dollar on all other
                                                                                No annual fee($8 in credits)
                                                                                Annual rewards$120
                                                                                + Credits$8
                                                                                Net annual value$128
                                                                                Fidelity Rewards Visa Signature Card
                                                                                17

                                                                                Fidelity Rewards Visa Signature Card

                                                                                Elan Financial

                                                                                2% cash back on All Other

                                                                                Why this card

                                                                                  No annual fee

                                                                                  VISA
                                                                                  2.0¢
                                                                                  per dollar on all other
                                                                                  No annual fee($8 in credits)
                                                                                  Annual rewards$120
                                                                                  + Credits$8
                                                                                  Net annual value$128
                                                                                  Navy Federal Flagship Rewards® Card
                                                                                  18

                                                                                  Navy Federal Flagship Rewards® Card

                                                                                  Navy Federal

                                                                                  2x Navy Federal Nrewards on All Other
                                                                                  2x × 1.0¢/pt = 2.0¢ per dollar

                                                                                  Why this card

                                                                                    No annual fee

                                                                                    VISA
                                                                                    2.0¢
                                                                                    per dollar on all other
                                                                                    No annual fee($8 in credits)
                                                                                    Annual rewards$120
                                                                                    + Credits$8
                                                                                    Net annual value$128
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                                                                                    19

                                                                                    Verizon Visa Card

                                                                                    Synchrony

                                                                                    2% cash back on All Other

                                                                                    Why this card

                                                                                      No annual fee

                                                                                      VISA
                                                                                      2.0¢
                                                                                      per dollar on all other
                                                                                      No annual fee($8 in credits)
                                                                                      Annual rewards$120
                                                                                      + Credits$8
                                                                                      Net annual value$128
                                                                                      U.S. Bank Smartly Visa Signature Card
                                                                                      20

                                                                                      U.S. Bank Smartly Visa Signature Card

                                                                                      Usbank

                                                                                      2% cash back on All Other

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        VISA
                                                                                        2.0¢
                                                                                        per dollar on all other
                                                                                        No annual fee($8 in credits)
                                                                                        Annual rewards$120
                                                                                        + Credits$8
                                                                                        Net annual value$128
                                                                                        Synchrony Premier Mastercard
                                                                                        21

                                                                                        Synchrony Premier Mastercard

                                                                                        Synchrony

                                                                                        2% cash back on All Other

                                                                                        Why this card

                                                                                          No annual fee

                                                                                          MASTERCARD
                                                                                          2.0¢
                                                                                          per dollar on all other
                                                                                          No annual fee
                                                                                          Annual rewards$120
                                                                                          Net annual value$120
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                                                                                          22

                                                                                          One Key+ Card

                                                                                          Wells Fargo

                                                                                          2% cash back on All Other

                                                                                          Why this card

                                                                                            No annual fee

                                                                                            MASTERCARD
                                                                                            2.0¢
                                                                                            per dollar on all other
                                                                                            No annual fee
                                                                                            Annual rewards$120
                                                                                            Net annual value$120
                                                                                            Bilt Blue Card
                                                                                            23

                                                                                            Bilt Blue Card

                                                                                            Cardless

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

                                                                                            Why this card

                                                                                              No annual fee

                                                                                              MASTERCARD
                                                                                              2.0¢
                                                                                              per dollar on all other
                                                                                              No annual fee
                                                                                              Annual rewards$120
                                                                                              Net annual value$120
                                                                                              Bank of America® Unlimited Cash Rewards for Students
                                                                                              24

                                                                                              Bank of America® Unlimited Cash Rewards for Students

                                                                                              Bank Of America

                                                                                              2% cash back on All Other

                                                                                              Why this card

                                                                                                No annual fee

                                                                                                VISA
                                                                                                2.0¢
                                                                                                per dollar on all other
                                                                                                No annual fee($8 in credits)
                                                                                                Annual rewards$120
                                                                                                + Credits$8
                                                                                                Net annual value$128
                                                                                                No image
                                                                                                25

                                                                                                SoFi Credit Card

                                                                                                Sofi

                                                                                                2% cash back on All Other

                                                                                                Why this card

                                                                                                  No annual fee

                                                                                                  MASTERCARD
                                                                                                  2.0¢
                                                                                                  per dollar on all other
                                                                                                  No annual fee
                                                                                                  Annual rewards$120
                                                                                                  Net annual value$120
                                                                                                  No image
                                                                                                  26

                                                                                                  Jasper Cash Back Mastercard

                                                                                                  Webbank

                                                                                                  2% cash back on All Other

                                                                                                  Why this card

                                                                                                    No annual fee

                                                                                                    MASTERCARD
                                                                                                    2.0¢
                                                                                                    per dollar on all other
                                                                                                    No annual fee
                                                                                                    Annual rewards$120
                                                                                                    Net annual value$120
                                                                                                    Rakuten American Express Card
                                                                                                    27

                                                                                                    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$94
                                                                                                    Net annual value$94
                                                                                                    Discover it® Miles
                                                                                                    28

                                                                                                    Discover it® Miles

                                                                                                    Discover

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

                                                                                                    Why this card

                                                                                                      No annual fee

                                                                                                      DISCOVER
                                                                                                      1.5¢
                                                                                                      per dollar on all other
                                                                                                      No annual fee
                                                                                                      Annual rewards$90
                                                                                                      Net annual value$90
                                                                                                      Capital One QuicksilverOne Cash Rewards Credit Card
                                                                                                      29

                                                                                                      Capital One QuicksilverOne Cash Rewards Credit Card

                                                                                                      Capital One

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

                                                                                                      Why this card

                                                                                                        $29.97 in credits offset the $39 fee

                                                                                                        MASTERCARD
                                                                                                        1.5¢
                                                                                                        per dollar on all other
                                                                                                        $39/yr($29.97 in credits)
                                                                                                        Annual rewards$90
                                                                                                        + Credits$29.97
                                                                                                        \u2212 Annual fee$39
                                                                                                        Net annual value$80.97
                                                                                                        Bilt Obsidian Card
                                                                                                        30

                                                                                                        Bilt Obsidian Card

                                                                                                        Cardless

                                                                                                        1x Bilt Rewards on All Other
                                                                                                        1x × 2.0¢/pt = 2.0¢ per dollar
                                                                                                        MASTERCARD
                                                                                                        2.0¢
                                                                                                        per dollar on all other
                                                                                                        $95/yr
                                                                                                        Annual rewards$120
                                                                                                        \u2212 Annual fee$95
                                                                                                        Net annual value$25