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

Scoring mode

Options

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1

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
    No image
    2

    The Platinum Card from American Express

    Amex

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

    Why this card

      $1,422 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
      Citi Strata Elite℠ Card
      3

      Citi Strata Elite℠ Card

      Citi

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

      Why this card

        $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 VentureOne Rewards Credit Card
        4

        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
          Wells Fargo Active Cash Card
          5

          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
            Chase Sapphire Reserve
            6

            Chase Sapphire Reserve

            Chase

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

            Why this card

              $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
              Bilt Obsidian Card
              7

              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
              No image
              8

              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
                9

                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
                  10

                  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
                    11

                    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
                      12

                      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
                        13

                        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
                          14

                          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
                            15

                            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
                              Bank of America® Unlimited Cash Rewards for Students
                              16

                              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
                                Citi Double Cash Card
                                17

                                Citi Double Cash Card

                                Citi

                                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
                                  18

                                  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
                                    Bilt Blue Card
                                    19

                                    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
                                      No image
                                      20

                                      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
                                        21

                                        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
                                        Chase Sapphire Preferred Card
                                        22

                                        Chase Sapphire Preferred Card

                                        Chase

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

                                        Why this card

                                          $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
                                          23

                                          Bilt Palladium Card

                                          Cardless

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

                                          Why this card

                                            $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
                                            Capital One Quicksilver Student Cash Rewards Credit Card
                                            24

                                            Capital One Quicksilver Student Cash Rewards Credit Card

                                            Capital One

                                            1.5% cash back on All Other

                                            Why this card

                                              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
                                              Hilton Honors American Express Card
                                              25

                                              Hilton Honors American Express Card

                                              Amex

                                              3x Hilton Honors on All Other
                                              3x × 0.5¢/pt = 1.5¢ per dollar

                                              Why this card

                                                No annual fee

                                                AMEX
                                                1.5¢
                                                per dollar on all other
                                                No annual fee
                                                Annual rewards$90
                                                Net annual value$90
                                                Discover it® Miles
                                                26

                                                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
                                                  Chase Freedom Unlimited
                                                  27

                                                  Chase Freedom Unlimited

                                                  Chase

                                                  1.5% cash back on All Other

                                                  Why this card

                                                    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
                                                    Upgrade Visa Card with Cash Rewards
                                                    28

                                                    Upgrade Visa Card with Cash Rewards

                                                    Upgrade

                                                    1.5% cash back on All Other

                                                    Why this card

                                                      No annual fee

                                                      VISA
                                                      1.5¢
                                                      per dollar on all other
                                                      No annual fee($8 in credits)
                                                      Annual rewards$90
                                                      + Credits$8
                                                      Net annual value$98
                                                      Citi Strata Credit Card
                                                      29

                                                      Citi Strata Credit Card

                                                      Citi

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

                                                      Why this card

                                                        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
                                                        No image
                                                        30

                                                        Firstcard Secured Credit Builder Card

                                                        Firstcard

                                                        1.5% cash back on All Other

                                                        Why this card

                                                          No annual fee

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

                                                          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
                                                          Fallback
                                                          30%
                                                          50 matches837ms
                                                          No image
                                                          1

                                                          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
                                                            No image
                                                            2

                                                            The Platinum Card from American Express

                                                            Amex

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

                                                            Why this card

                                                              $1,422 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
                                                              Citi Strata Elite℠ Card
                                                              3

                                                              Citi Strata Elite℠ Card

                                                              Citi

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

                                                              Why this card

                                                                $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 VentureOne Rewards Credit Card
                                                                4

                                                                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
                                                                  Wells Fargo Active Cash Card
                                                                  5

                                                                  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
                                                                    Chase Sapphire Reserve
                                                                    6

                                                                    Chase Sapphire Reserve

                                                                    Chase

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

                                                                    Why this card

                                                                      $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
                                                                      Bilt Obsidian Card
                                                                      7

                                                                      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
                                                                      No image
                                                                      8

                                                                      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
                                                                        9

                                                                        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
                                                                          10

                                                                          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
                                                                            11

                                                                            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
                                                                              12

                                                                              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
                                                                                13

                                                                                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
                                                                                  14

                                                                                  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
                                                                                    15

                                                                                    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
                                                                                      Bank of America® Unlimited Cash Rewards for Students
                                                                                      16

                                                                                      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
                                                                                        Citi Double Cash Card
                                                                                        17

                                                                                        Citi Double Cash Card

                                                                                        Citi

                                                                                        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
                                                                                          18

                                                                                          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
                                                                                            Bilt Blue Card
                                                                                            19

                                                                                            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
                                                                                              No image
                                                                                              20

                                                                                              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
                                                                                                21

                                                                                                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
                                                                                                Chase Sapphire Preferred Card
                                                                                                22

                                                                                                Chase Sapphire Preferred Card

                                                                                                Chase

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

                                                                                                Why this card

                                                                                                  $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
                                                                                                  23

                                                                                                  Bilt Palladium Card

                                                                                                  Cardless

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

                                                                                                  Why this card

                                                                                                    $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
                                                                                                    Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                    24

                                                                                                    Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                    Capital One

                                                                                                    1.5% cash back on All Other

                                                                                                    Why this card

                                                                                                      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
                                                                                                      Hilton Honors American Express Card
                                                                                                      25

                                                                                                      Hilton Honors American Express Card

                                                                                                      Amex

                                                                                                      3x Hilton Honors on All Other
                                                                                                      3x × 0.5¢/pt = 1.5¢ per dollar

                                                                                                      Why this card

                                                                                                        No annual fee

                                                                                                        AMEX
                                                                                                        1.5¢
                                                                                                        per dollar on all other
                                                                                                        No annual fee
                                                                                                        Annual rewards$90
                                                                                                        Net annual value$90
                                                                                                        Discover it® Miles
                                                                                                        26

                                                                                                        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
                                                                                                          Chase Freedom Unlimited
                                                                                                          27

                                                                                                          Chase Freedom Unlimited

                                                                                                          Chase

                                                                                                          1.5% cash back on All Other

                                                                                                          Why this card

                                                                                                            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
                                                                                                            Upgrade Visa Card with Cash Rewards
                                                                                                            28

                                                                                                            Upgrade Visa Card with Cash Rewards

                                                                                                            Upgrade

                                                                                                            1.5% cash back on All Other

                                                                                                            Why this card

                                                                                                              No annual fee

                                                                                                              VISA
                                                                                                              1.5¢
                                                                                                              per dollar on all other
                                                                                                              No annual fee($8 in credits)
                                                                                                              Annual rewards$90
                                                                                                              + Credits$8
                                                                                                              Net annual value$98
                                                                                                              Citi Strata Credit Card
                                                                                                              29

                                                                                                              Citi Strata Credit Card

                                                                                                              Citi

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

                                                                                                              Why this card

                                                                                                                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
                                                                                                                No image
                                                                                                                30

                                                                                                                Firstcard Secured Credit Builder Card

                                                                                                                Firstcard

                                                                                                                1.5% cash back on All Other

                                                                                                                Why this card

                                                                                                                  No annual fee

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

                                                                                                                  Results from

                                                                                                                  $6,000

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                                                                                                                  No annual fee only?

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                                                                                                                  1

                                                                                                                  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
                                                                                                                    No image
                                                                                                                    2

                                                                                                                    The Platinum Card from American Express

                                                                                                                    Amex

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

                                                                                                                    Why this card

                                                                                                                      $1,422 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
                                                                                                                      Citi Strata Elite℠ Card
                                                                                                                      3

                                                                                                                      Citi Strata Elite℠ Card

                                                                                                                      Citi

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

                                                                                                                      Why this card

                                                                                                                        $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 VentureOne Rewards Credit Card
                                                                                                                        4

                                                                                                                        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
                                                                                                                          Wells Fargo Active Cash Card
                                                                                                                          5

                                                                                                                          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
                                                                                                                            Chase Sapphire Reserve
                                                                                                                            6

                                                                                                                            Chase Sapphire Reserve

                                                                                                                            Chase

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

                                                                                                                            Why this card

                                                                                                                              $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
                                                                                                                              Bilt Obsidian Card
                                                                                                                              7

                                                                                                                              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
                                                                                                                              No image
                                                                                                                              8

                                                                                                                              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
                                                                                                                                9

                                                                                                                                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
                                                                                                                                  10

                                                                                                                                  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
                                                                                                                                    11

                                                                                                                                    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
                                                                                                                                      12

                                                                                                                                      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
                                                                                                                                        13

                                                                                                                                        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
                                                                                                                                          14

                                                                                                                                          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
                                                                                                                                            15

                                                                                                                                            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
                                                                                                                                              Bank of America® Unlimited Cash Rewards for Students
                                                                                                                                              16

                                                                                                                                              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
                                                                                                                                                Citi Double Cash Card
                                                                                                                                                17

                                                                                                                                                Citi Double Cash Card

                                                                                                                                                Citi

                                                                                                                                                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
                                                                                                                                                  18

                                                                                                                                                  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
                                                                                                                                                    Bilt Blue Card
                                                                                                                                                    19

                                                                                                                                                    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
                                                                                                                                                      No image
                                                                                                                                                      20

                                                                                                                                                      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
                                                                                                                                                        21

                                                                                                                                                        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
                                                                                                                                                        Chase Sapphire Preferred Card
                                                                                                                                                        22

                                                                                                                                                        Chase Sapphire Preferred Card

                                                                                                                                                        Chase

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

                                                                                                                                                        Why this card

                                                                                                                                                          $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
                                                                                                                                                          23

                                                                                                                                                          Bilt Palladium Card

                                                                                                                                                          Cardless

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

                                                                                                                                                          Why this card

                                                                                                                                                            $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
                                                                                                                                                            Capital One Quicksilver Student Cash Rewards Credit Card
                                                                                                                                                            24

                                                                                                                                                            Capital One Quicksilver Student Cash Rewards Credit Card

                                                                                                                                                            Capital One

                                                                                                                                                            1.5% cash back on All Other

                                                                                                                                                            Why this card

                                                                                                                                                              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
                                                                                                                                                              Hilton Honors American Express Card
                                                                                                                                                              25

                                                                                                                                                              Hilton Honors American Express Card

                                                                                                                                                              Amex

                                                                                                                                                              3x Hilton Honors on All Other
                                                                                                                                                              3x × 0.5¢/pt = 1.5¢ per dollar

                                                                                                                                                              Why this card

                                                                                                                                                                No annual fee

                                                                                                                                                                AMEX
                                                                                                                                                                1.5¢
                                                                                                                                                                per dollar on all other
                                                                                                                                                                No annual fee
                                                                                                                                                                Annual rewards$90
                                                                                                                                                                Net annual value$90
                                                                                                                                                                Discover it® Miles
                                                                                                                                                                26

                                                                                                                                                                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
                                                                                                                                                                  Chase Freedom Unlimited
                                                                                                                                                                  27

                                                                                                                                                                  Chase Freedom Unlimited

                                                                                                                                                                  Chase

                                                                                                                                                                  1.5% cash back on All Other

                                                                                                                                                                  Why this card

                                                                                                                                                                    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
                                                                                                                                                                    Upgrade Visa Card with Cash Rewards
                                                                                                                                                                    28

                                                                                                                                                                    Upgrade Visa Card with Cash Rewards

                                                                                                                                                                    Upgrade

                                                                                                                                                                    1.5% cash back on All Other

                                                                                                                                                                    Why this card

                                                                                                                                                                      No annual fee

                                                                                                                                                                      VISA
                                                                                                                                                                      1.5¢
                                                                                                                                                                      per dollar on all other
                                                                                                                                                                      No annual fee($8 in credits)
                                                                                                                                                                      Annual rewards$90
                                                                                                                                                                      + Credits$8
                                                                                                                                                                      Net annual value$98
                                                                                                                                                                      Citi Strata Credit Card
                                                                                                                                                                      29

                                                                                                                                                                      Citi Strata Credit Card

                                                                                                                                                                      Citi

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

                                                                                                                                                                      Why this card

                                                                                                                                                                        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
                                                                                                                                                                        No image
                                                                                                                                                                        30

                                                                                                                                                                        Firstcard Secured Credit Builder Card

                                                                                                                                                                        Firstcard

                                                                                                                                                                        1.5% cash back on All Other

                                                                                                                                                                        Why this card

                                                                                                                                                                          No annual fee

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