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  • Blog
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Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
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concierge

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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Citi Strata Premier Card
1

Citi Strata Premier Card

Citi

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

Why this card

  1. 1.Purchase Protection
  2. 2.$10/yr ThankYou Points Transfer Partners
  3. 3.World Elite Concierge Service

$50 in credits offset the $95 fee

MASTERCARD
1.5¢
per dollar on all other
$95/yr($50 in credits)
Annual rewards$90
+ Credits$50
\u2212 Annual fee$95
Net annual value$45
No image
2

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

  1. 1.Hertz President's Circle Status
  2. 2.PRIOR Travel Membership
  3. 3.24/7 Travel Emergency Assistance
  4. 4.Visa Infinite Concierge Services
  5. 5.Visa Infinite Benefits

$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
No image
3

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.By Invitation Only®
  2. 2.Roadside Assistance
  3. 3.Platinum Concierge

$1,422 in credits fully offsets the $895 fee

AMEX
1.8¢
per dollar on all other
$895/yr($1,422 in credits)
Annual rewards$108
+ Credits$1,422
\u2212 Annual fee$895
Net annual value$635
Wells Fargo Active Cash Card
4

Wells Fargo Active Cash Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

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
5

SoFi Credit Card

Sofi

2% cash back on All Other

Why this card

  1. 1.Mastercard World Elite Benefits

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Sapphire Preferred Card
6

Chase Sapphire Preferred Card

Chase

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

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

$93 in credits offset the $95 fee

VISA
1.8¢
per dollar on all other
$95/yr($93 in credits)
Annual rewards$108
+ Credits$93
\u2212 Annual fee$95
Net annual value$106
No image
7

Bilt Palladium Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

$300 in credits offset the $495 fee

MASTERCARD
2.0¢
per dollar on all other
$495/yr($300 in credits)
Annual rewards$120
+ Credits$300
\u2212 Annual fee$495
Net annual value-$75
Navy Federal Flagship Rewards® Card
8

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

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Concierge Services

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
9

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits

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
10

TD Double Up Credit Card

Td Bank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
11

Bank of America Unlimited Cash Rewards Credit Card

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
12

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
13

Verizon Visa Card

Synchrony

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
14

One Key+ Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Double Cash Card
15

Citi Double Cash Card

Citi

2% cash back on All Other

Why this card

  1. 1.$40/yr 0% Intro APR on Balance Transfers
  2. 2.$5/yr Contactless Payment
  3. 3.Lost Wallet Service
  4. 4.Virtual Account Numbers
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Strata Elite℠ Card
16

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.World Elite Concierge Service

$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
Capital One QuicksilverOne Cash Rewards Credit Card
17

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

  1. 1.Mastercard Global Emergency Services

$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
Chase Sapphire Reserve
18

Chase Sapphire Reserve

Chase

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

Why this card

  1. 1.Visa Infinite Concierge Services

$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
Bank of America® Unlimited Cash Rewards for Students
19

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
Bilt Blue Card
20

Bilt Blue Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Freedom Flex
21

Chase Freedom Flex

Chase

1% cash back on All Other

Why this card

  1. 1.Travel and Emergency Assistance Services
  2. 2.Mastercard World Elite Benefits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$60
+ Credits$30
Net annual value$90
No image
22

Jasper Cash Back Mastercard

Webbank

2% cash back on All Other

Why this card

  1. 1.Modern Fintech Mobile App

No annual fee

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

Bilt Obsidian Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service
MASTERCARD
2.0¢
per dollar on all other
$95/yr
Annual rewards$120
\u2212 Annual fee$95
Net annual value$25
Prime Visa
24

Prime Visa

Chase

1% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

No annual fee

VISA
1.0¢
per dollar on all other
No annual fee($8 in credits)
Annual rewards$60
+ Credits$8
Net annual value$68
No image
25

REI Co-op® Mastercard®

Capital One

1% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Chase Freedom Unlimited
26

Chase Freedom Unlimited

Chase

1.5% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits
  3. 3.Visa Emergency Services

No annual fee

VISA
1.5¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$90
+ Credits$30
Net annual value$120
Atmos Rewards Ascent Visa Signature Card
27

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.Visa Signature Concierge

$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
28

Sam's Club Mastercard

Synchrony

1% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Capital One Quicksilver Student Cash Rewards Credit Card
29

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

1.5% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.5¢
per dollar on all other
No annual fee($119.88 in credits)
Annual rewards$90
+ Credits$119.88
Net annual value$209.88
No image
30

Korean Air SKYPASS Visa Signature Business Card

Usbank

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

Why this card

  1. 1.Visa Signature Concierge

$8 in credits offset the $99 fee

VISA
1.0¢
per dollar on all other
$99/yr($8 in credits)
Annual rewards$60
+ Credits$8
\u2212 Annual fee$99
Net annual value-$31

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
70%
102 matches3801ms
Citi Strata Premier Card
1

Citi Strata Premier Card

Citi

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

Why this card

  1. 1.Purchase Protection
  2. 2.$10/yr ThankYou Points Transfer Partners
  3. 3.World Elite Concierge Service

$50 in credits offset the $95 fee

MASTERCARD
1.5¢
per dollar on all other
$95/yr($50 in credits)
Annual rewards$90
+ Credits$50
\u2212 Annual fee$95
Net annual value$45
No image
2

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

  1. 1.Hertz President's Circle Status
  2. 2.PRIOR Travel Membership
  3. 3.24/7 Travel Emergency Assistance
  4. 4.Visa Infinite Concierge Services
  5. 5.Visa Infinite Benefits

$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
No image
3

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.By Invitation Only®
  2. 2.Roadside Assistance
  3. 3.Platinum Concierge

$1,422 in credits fully offsets the $895 fee

AMEX
1.8¢
per dollar on all other
$895/yr($1,422 in credits)
Annual rewards$108
+ Credits$1,422
\u2212 Annual fee$895
Net annual value$635
Wells Fargo Active Cash Card
4

Wells Fargo Active Cash Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

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
5

SoFi Credit Card

Sofi

2% cash back on All Other

Why this card

  1. 1.Mastercard World Elite Benefits

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Sapphire Preferred Card
6

Chase Sapphire Preferred Card

Chase

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

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

$93 in credits offset the $95 fee

VISA
1.8¢
per dollar on all other
$95/yr($93 in credits)
Annual rewards$108
+ Credits$93
\u2212 Annual fee$95
Net annual value$106
No image
7

Bilt Palladium Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

$300 in credits offset the $495 fee

MASTERCARD
2.0¢
per dollar on all other
$495/yr($300 in credits)
Annual rewards$120
+ Credits$300
\u2212 Annual fee$495
Net annual value-$75
Navy Federal Flagship Rewards® Card
8

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

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Concierge Services

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
9

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits

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
10

TD Double Up Credit Card

Td Bank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
11

Bank of America Unlimited Cash Rewards Credit Card

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
12

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
13

Verizon Visa Card

Synchrony

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
14

One Key+ Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Double Cash Card
15

Citi Double Cash Card

Citi

2% cash back on All Other

Why this card

  1. 1.$40/yr 0% Intro APR on Balance Transfers
  2. 2.$5/yr Contactless Payment
  3. 3.Lost Wallet Service
  4. 4.Virtual Account Numbers
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Strata Elite℠ Card
16

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.World Elite Concierge Service

$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
Capital One QuicksilverOne Cash Rewards Credit Card
17

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

  1. 1.Mastercard Global Emergency Services

$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
Chase Sapphire Reserve
18

Chase Sapphire Reserve

Chase

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

Why this card

  1. 1.Visa Infinite Concierge Services

$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
Bank of America® Unlimited Cash Rewards for Students
19

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
Bilt Blue Card
20

Bilt Blue Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Freedom Flex
21

Chase Freedom Flex

Chase

1% cash back on All Other

Why this card

  1. 1.Travel and Emergency Assistance Services
  2. 2.Mastercard World Elite Benefits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$60
+ Credits$30
Net annual value$90
No image
22

Jasper Cash Back Mastercard

Webbank

2% cash back on All Other

Why this card

  1. 1.Modern Fintech Mobile App

No annual fee

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

Bilt Obsidian Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service
MASTERCARD
2.0¢
per dollar on all other
$95/yr
Annual rewards$120
\u2212 Annual fee$95
Net annual value$25
Prime Visa
24

Prime Visa

Chase

1% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

No annual fee

VISA
1.0¢
per dollar on all other
No annual fee($8 in credits)
Annual rewards$60
+ Credits$8
Net annual value$68
No image
25

REI Co-op® Mastercard®

Capital One

1% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Chase Freedom Unlimited
26

Chase Freedom Unlimited

Chase

1.5% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits
  3. 3.Visa Emergency Services

No annual fee

VISA
1.5¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$90
+ Credits$30
Net annual value$120
Atmos Rewards Ascent Visa Signature Card
27

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.Visa Signature Concierge

$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
28

Sam's Club Mastercard

Synchrony

1% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Capital One Quicksilver Student Cash Rewards Credit Card
29

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

1.5% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.5¢
per dollar on all other
No annual fee($119.88 in credits)
Annual rewards$90
+ Credits$119.88
Net annual value$209.88
No image
30

Korean Air SKYPASS Visa Signature Business Card

Usbank

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

Why this card

  1. 1.Visa Signature Concierge

$8 in credits offset the $99 fee

VISA
1.0¢
per dollar on all other
$99/yr($8 in credits)
Annual rewards$60
+ Credits$8
\u2212 Annual fee$99
Net annual value-$31

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
70%
102 matches3801ms
Citi Strata Premier Card
1

Citi Strata Premier Card

Citi

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

Why this card

  1. 1.Purchase Protection
  2. 2.$10/yr ThankYou Points Transfer Partners
  3. 3.World Elite Concierge Service

$50 in credits offset the $95 fee

MASTERCARD
1.5¢
per dollar on all other
$95/yr($50 in credits)
Annual rewards$90
+ Credits$50
\u2212 Annual fee$95
Net annual value$45
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2

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

  1. 1.Hertz President's Circle Status
  2. 2.PRIOR Travel Membership
  3. 3.24/7 Travel Emergency Assistance
  4. 4.Visa Infinite Concierge Services
  5. 5.Visa Infinite Benefits

$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
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3

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.By Invitation Only®
  2. 2.Roadside Assistance
  3. 3.Platinum Concierge

$1,422 in credits fully offsets the $895 fee

AMEX
1.8¢
per dollar on all other
$895/yr($1,422 in credits)
Annual rewards$108
+ Credits$1,422
\u2212 Annual fee$895
Net annual value$635
Wells Fargo Active Cash Card
4

Wells Fargo Active Cash Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

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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5

SoFi Credit Card

Sofi

2% cash back on All Other

Why this card

  1. 1.Mastercard World Elite Benefits

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Sapphire Preferred Card
6

Chase Sapphire Preferred Card

Chase

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

Why this card

  1. 1.Visa Signature Benefits
  2. 2.Visa Signature Concierge

$93 in credits offset the $95 fee

VISA
1.8¢
per dollar on all other
$95/yr($93 in credits)
Annual rewards$108
+ Credits$93
\u2212 Annual fee$95
Net annual value$106
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7

Bilt Palladium Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

$300 in credits offset the $495 fee

MASTERCARD
2.0¢
per dollar on all other
$495/yr($300 in credits)
Annual rewards$120
+ Credits$300
\u2212 Annual fee$495
Net annual value-$75
Navy Federal Flagship Rewards® Card
8

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

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Concierge Services

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
9

U.S. Bank Smartly Visa Signature Card

Usbank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits

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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10

TD Double Up Credit Card

Td Bank

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
11

Bank of America Unlimited Cash Rewards Credit Card

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
12

Fidelity Rewards Visa Signature Card

Elan Financial

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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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13

Verizon Visa Card

Synchrony

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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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14

One Key+ Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Double Cash Card
15

Citi Double Cash Card

Citi

2% cash back on All Other

Why this card

  1. 1.$40/yr 0% Intro APR on Balance Transfers
  2. 2.$5/yr Contactless Payment
  3. 3.Lost Wallet Service
  4. 4.Virtual Account Numbers
  5. 5.Mastercard Global Emergency Services

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Citi Strata Elite℠ Card
16

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.World Elite Concierge Service

$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
Capital One QuicksilverOne Cash Rewards Credit Card
17

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

  1. 1.Mastercard Global Emergency Services

$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
Chase Sapphire Reserve
18

Chase Sapphire Reserve

Chase

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

Why this card

  1. 1.Visa Infinite Concierge Services

$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
Bank of America® Unlimited Cash Rewards for Students
19

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

2% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

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
Bilt Blue Card
20

Bilt Blue Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120
Chase Freedom Flex
21

Chase Freedom Flex

Chase

1% cash back on All Other

Why this card

  1. 1.Travel and Emergency Assistance Services
  2. 2.Mastercard World Elite Benefits
  3. 3.World Elite Concierge Service
  4. 4.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$60
+ Credits$30
Net annual value$90
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22

Jasper Cash Back Mastercard

Webbank

2% cash back on All Other

Why this card

  1. 1.Modern Fintech Mobile App

No annual fee

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

Bilt Obsidian Card

Cardless

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

Why this card

  1. 1.World Elite Concierge Service
MASTERCARD
2.0¢
per dollar on all other
$95/yr
Annual rewards$120
\u2212 Annual fee$95
Net annual value$25
Prime Visa
24

Prime Visa

Chase

1% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge

No annual fee

VISA
1.0¢
per dollar on all other
No annual fee($8 in credits)
Annual rewards$60
+ Credits$8
Net annual value$68
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25

REI Co-op® Mastercard®

Capital One

1% cash back on All Other

Why this card

  1. 1.World Elite Concierge Service

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Chase Freedom Unlimited
26

Chase Freedom Unlimited

Chase

1.5% cash back on All Other

Why this card

  1. 1.Visa Signature Concierge
  2. 2.Visa Signature Benefits
  3. 3.Visa Emergency Services

No annual fee

VISA
1.5¢
per dollar on all other
No annual fee($30 in credits)
Annual rewards$90
+ Credits$30
Net annual value$120
Atmos Rewards Ascent Visa Signature Card
27

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.Visa Signature Concierge

$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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28

Sam's Club Mastercard

Synchrony

1% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.0¢
per dollar on all other
No annual fee
Annual rewards$60
Net annual value$60
Capital One Quicksilver Student Cash Rewards Credit Card
29

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

1.5% cash back on All Other

Why this card

  1. 1.Mastercard Global Emergency Services

No annual fee

MASTERCARD
1.5¢
per dollar on all other
No annual fee($119.88 in credits)
Annual rewards$90
+ Credits$119.88
Net annual value$209.88
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30

Korean Air SKYPASS Visa Signature Business Card

Usbank

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

Why this card

  1. 1.Visa Signature Concierge

$8 in credits offset the $99 fee

VISA
1.0¢
per dollar on all other
$99/yr($8 in credits)
Annual rewards$60
+ Credits$8
\u2212 Annual fee$99
Net annual value-$31