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

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

Point valuation

Booking

Rewards

Programs

Networks

Refine results

How do you usually dine?

Do you shop at Costco?

Do you use DashPass or Uber One?

Do you use Resy for reservations?

No annual fee only?

Resolved as:All Other
Concept: Beginner-Friendly Cards
+3 more
Cached
75%
205 matches6768ms
American Express Gold Card
1

American Express Gold Card

Amex

4x Membership Rewards on All Other
4x × 1.8¢/pt = 3.6¢ per dollar

Why this card

  1. 1.4x on all other — points worth 1.8¢ each ($216/yr on $6,000 spend)
  2. 2.$60/yr $120 Uber Cash
  3. 3.$50/yr $100 Resy Credit
  4. 4.$60/yr $120 Dining Credit
  5. 5.$42/yr $84 Dunkin' Credit
AMEX
Core Rate
3.6¢
per dollar on all other
$325/yr
Annual rewards$216
\u2212 Annual fee$325
Net annual value-$109

Bonus rate on first $50,000/annual, then base rate

Citi Strata Premier Card
2

Citi Strata Premier Card

Citi

3x ThankYou Points on All Other
3x × 1.5¢/pt = 3.3¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.5¢ each ($198/yr on $6,000 spend)
  2. 2.$60/yr Annual Hotel Savings Benefit
  3. 3.Priority Pass Select Lounge Access
  4. 4.$30/yr Instacart+ Savings
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
3.3¢
per dollar on all other
$95/yr
Annual rewards$198
\u2212 Annual fee$95
Net annual value$103
No image
3

Wyndham Rewards Earner Plus Card

Barclays

6x Wyndham Rewards on All Other
6x × 1.0¢/pt = 2.8¢ per dollar

Why this card

  1. 1.6x on all other — points worth 1.0¢ each ($168/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

$0.32 in credits offset the $75 fee

VISA
Core Rate
2.8¢
per dollar on all other
$75/yr($0.32 in credits)
Annual rewards$168
+ Credits$0.32
\u2212 Annual fee$75
Net annual value$93.32
No image
4

One Key+ Card

Wells Fargo

2% cash back on All Other

Why this card

  1. 1.Priority Pass Select Lounge Access
  2. 2.$20/yr Lyft Credits
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.$30/yr Instacart+ Savings

No annual fee

MASTERCARD
2.6¢
per dollar on all other
No annual fee
Annual rewards$156
Net annual value$156
No image
5

Verizon Visa Card

Synchrony

4% cash back on All Other

Why this card

  1. 1.4% cash back on all other ($192/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
3.2¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$192
+ Credits$0.32
Net annual value$192.32
Bilt Obsidian Card
6

Bilt Obsidian Card

Cardless

3x Bilt Rewards on All Other
3x × 2.0¢/pt = 3.2¢ per dollar

Why this card

  1. 1.3x on all other — points worth 2.0¢ each ($192/yr on $6,000 spend)
  2. 2.$20/yr Lyft Credits
  3. 3.MasterRental Coverage
  4. 4.$30/yr Instacart+ Savings

$2.00 in credits offset the $95 fee

MASTERCARD
Core Rate
3.2¢
per dollar on all other
$95/yr($2.00 in credits)
Annual rewards$192
+ Credits$2.00
\u2212 Annual fee$95
Net annual value$99

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

Citi Custom Cash Card
7

Citi Custom Cash Card

Citi

5% cash back on All Other

Why this card

  1. 1.5% cash back on all other ($180/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$30/yr Lyft Credits
  4. 4.$20/yr Lyft Credits
  5. 5.$30/yr DashPass Subscription
MASTERCARD
Core Rate
3.0¢
per dollar on all other
No annual fee
Annual rewards$180
Net annual value$180

Bonus rate on first $500/monthly, then base rate

U.S. Bank Altitude Connect Visa Signature Card
8

U.S. Bank Altitude Connect Visa Signature Card

Usbank

4x Usbank Altitude Rewards on All Other
4x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.4x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$60/yr TSA PreCheck or Global Entry Credit
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Airport lounge access
VISA
Core Rate
2.0¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$120
+ Credits$0.32
Net annual value$120.32

Bonus rate on first $1,000/quarterly, then base rate

Wells Fargo Autograph Journey Visa Credit Card
9

Wells Fargo Autograph Journey Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on All Other
3x × 1.5¢/pt = 2.4¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Travel and Emergency Services Assistance
  5. 5.Visa Signature Rental Car Privileges

$0.32 in credits offset the $95 fee

VISA
Core Rate
2.4¢
per dollar on all other
$95/yr($0.32 in credits)
Annual rewards$144
+ Credits$0.32
\u2212 Annual fee$95
Net annual value$49.32
Navy Federal More Rewards® Card
10

Navy Federal More Rewards® Card

Navy Federal

3x Navy Federal Nrewards on All Other
3x × 1.0¢/pt = 2.2¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.2¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$132
+ Credits$0.32
Net annual value$132.32
bp rewards Visa®
11

bp rewards Visa®

Fnbo

4% cash back on All Other

Why this card

  1. 1.4% cash back on all other ($144/yr on $6,000 spend)

No annual fee

VISA
Core Rate
2.4¢
per dollar on all other
No annual fee
Annual rewards$144
Net annual value$144
No image
12

TD Cash Credit Card

Td Bank

3x Cashback on All Other
3x × 1.0¢/pt = 2.2¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.2¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$132
+ Credits$0.32
Net annual value$132.32
Citi Strata Credit Card
13

Citi Strata Credit Card

Citi

3x ThankYou Points on All Other
3x × 1.5¢/pt = 3.0¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.5¢ each ($180/yr on $6,000 spend)
  2. 2.Airport Lounge Access
  3. 3.$50/yr Global Entry or TSA PreCheck Credit
  4. 4.$50/yr $300 Annual Travel Credit

No annual fee

MASTERCARD
Core Rate
3.0¢
per dollar on all other
No annual fee
Annual rewards$180
Net annual value$180
Chase Sapphire Preferred Card
14

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on All Other
3x × 1.8¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.8¢ each ($108/yr on $6,000 spend)
  2. 2.$25/yr $50 Annual Hotel Credit
  3. 3.Auto Rental Coverage
  4. 4.Auto Rental Collision Damage Waiver
  5. 5.Complimentary 4th night at Ennismore Hotel properties
VISA
Core Rate
1.8¢
per dollar on all other
$95/yr($7.20 in credits)
Annual rewards$108
+ Credits$7.20
\u2212 Annual fee$95
Net annual value$20.20
BMO Premium Rewards Mastercard®
15

BMO Premium Rewards Mastercard®

Bmo

4x points on All Other

Why this card

  1. 1.4x on all other ($144/yr on $6,000 spend)
MASTERCARD
Core Rate
2.4¢
per dollar on all other
$95/yr
Annual rewards$144
\u2212 Annual fee$95
Net annual value$49

Bonus rate on first $2,000/quarterly, then base rate

No image
16

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

3% cash back on All Other

Why this card

  1. 1.3% cash back on all other ($96/yr on $6,000 spend)
  2. 2.$144/yr Complimentary Uber One Membership

No annual fee

MASTERCARD
Core Rate
1.6¢
per dollar on all other
No annual fee
Annual rewards$96
Net annual value$96
Rakuten American Express Card
17

Rakuten American Express Card

First Electronic Bank

2% cash back on All Other

Convertible Cash Back — 2.0–4.0¢/$

This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

Why this card

  1. 1.2% cash back on all other ($112.80/yr on $6,000 spend)
  2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

No annual fee

AMEX
Convertible
Core Rate
2.0–4.0¢
per dollar on all other
depending on redemption
No annual fee
Annual rewards$112.80
Net annual value$112.80
No image
18

Sam’s Club World Elite Mastercard® (Club members)

Synchrony

5x points on All Other

Why this card

  1. 1.5x on all other ($96/yr on $6,000 spend)
  2. 2.Priority Pass Select Lounge Access
  3. 3.$20/yr Lyft Credits
  4. 4.$30/yr Instacart+ Savings

No annual fee

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

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

Bank of America Customized Cash Rewards Credit Card
19

Bank of America Customized Cash Rewards Credit Card

Bank Of America

3x Bank Of America Points on All Other
3x × 1.0¢/pt = 2.0¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges
  4. 4.$5/yr Booking.com Travel Credits
  5. 5.GigSky Mobile Data (Visa Signature)

No annual fee

VISA
Core Rate
2.0¢
per dollar on all other
No annual fee
Annual rewards$120
Net annual value$120

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

Wells Fargo Autograph Visa Credit Card
20

Wells Fargo Autograph Visa Credit Card

Wells Fargo

3x Wells Fargo Rewards on All Other
3x × 1.5¢/pt = 2.4¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
  2. 2.Auto Rental Collision Damage Waiver
  3. 3.Visa Signature Rental Car Privileges

No annual fee

VISA
Core Rate
2.4¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$144
+ Credits$0.32
Net annual value$144.32
Citi Strata Elite℠ Card
21

Citi Strata Elite℠ Card

Citi

3x ThankYou Points on All Other
3x × 1.5¢/pt = 1.8¢ per dollar

Why this card

  1. 1.3x on all other — points worth 1.5¢ each ($108/yr on $6,000 spend)
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.Priority Pass™ Select membership
  4. 4.Priority Pass Select Lounge Access
  5. 5.$20/yr Lyft Credits
MASTERCARD
Core Rate
1.8¢
per dollar on all other
$595/yr($597.50 in credits)
Annual rewards$108
+ Credits$597.50
\u2212 Annual fee$595
Net annual value$110.50
No image
22

Wyndham Rewards Earner Card

Barclays

5x Wyndham Rewards on All Other
5x × 1.0¢/pt = 1.8¢ per dollar

Why this card

  1. 1.5x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
  2. 2.Annual Bonus
  3. 3.Auto Rental Collision Damage Waiver
  4. 4.Visa Signature Rental Car Privileges
  5. 5.Automatic Gold Level Benefits!

No annual fee

VISA
Core Rate
1.8¢
per dollar on all other
No annual fee($0.32 in credits)
Annual rewards$108
+ Credits$0.32
Net annual value$108.32
No image
23

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on All Other
2x × 1.9¢/pt = 1.5¢ per dollar

Why this card

  1. 1.$240/yr $300 Annual Capital One Travel Credit
  2. 2.Priority Pass Lounge Access
  3. 3.Capital One Lounge Access
  4. 4.Partner Lounge Network
  5. 5.$72/yr Global Entry or TSA PreCheck Credit
VISA
1.5¢
per dollar on all other
$395/yr
Annual rewards$88.80
\u2212 Annual fee$395
Net annual value-$306.20
No image
24

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

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

    No image
    25

    PenFed Platinum Rewards Visa Signature® Card

    Penfed

    5x points on All Other

    Why this card

    1. 1.5x on all other ($132/yr on $6,000 spend)
    2. 2.Auto Rental Collision Damage Waiver
    3. 3.Visa Signature Rental Car Privileges

    No annual fee

    VISA
    Core Rate
    2.2¢
    per dollar on all other
    No annual fee($0.32 in credits)
    Annual rewards$132
    + Credits$0.32
    Net annual value$132.32
    No image
    26

    Venmo Credit Card

    Synchrony

    3x Cashback on All Other
    3x × 1.0¢/pt = 2.2¢ per dollar

    Why this card

    1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
    2. 2.Auto Rental Collision Damage Waiver
    3. 3.Visa Signature Rental Car Privileges

    No annual fee

    VISA
    Core Rate
    2.2¢
    per dollar on all other
    No annual fee($0.32 in credits)
    Annual rewards$132
    + Credits$0.32
    Net annual value$132.32
    Choice Privileges Select Mastercard
    27

    Choice Privileges Select Mastercard

    Wells Fargo

    5x Choice Privileges on All Other
    5x × 0.6¢/pt = 1.4¢ per dollar

    Why this card

    1. 1.5x on all other — points worth 0.6¢ each ($86.40/yr on $6,000 spend)
    2. 2.Priority Pass Select Lounge Access
    3. 3.$20/yr Lyft Credits
    4. 4.$30/yr Instacart+ Savings
    5. 5.$30/yr Global Entry or TSA PreCheck Credit
    MASTERCARD
    Core Rate
    1.4¢
    per dollar on all other
    $95/yr
    Annual rewards$86.40
    \u2212 Annual fee$95
    Net annual value-$8.60
    Hilton Honors American Express Card
    28

    Hilton Honors American Express Card

    Amex

    3x Hilton Honors on All Other
    3x × 0.5¢/pt = 1.6¢ per dollar

    Why this card

      No annual fee

      AMEX
      1.6¢
      per dollar on all other
      No annual fee
      Annual rewards$96
      Net annual value$96
      Gemini Credit Card
      29

      Gemini Credit Card

      Genesis Fs

      3x Cashback on All Other
      3x × 1.0¢/pt = 1.6¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.0¢ each ($96/yr on $6,000 spend)
      2. 2.Priority Pass Select Lounge Access
      3. 3.$30/yr Instacart+ Savings
      4. 4.$20/yr Lyft Credits

      No annual fee

      MASTERCARD
      Core Rate
      1.6¢
      per dollar on all other
      No annual fee
      Annual rewards$96
      Net annual value$96
      Blue Cash Preferred Card from American Express
      30

      Blue Cash Preferred Card from American Express

      Amex

      6x Cashback on All Other
      6x × 1.0¢/pt = 1.8¢ per dollar

      Why this card

      1. 1.6x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
      2. 2.Hertz Car Rental Benefits
      3. 3.Global Assist Hotline

      $60 in credits offset the $95 fee

      AMEX
      Core Rate
      1.8¢
      per dollar on all other
      $95/yr (Y1 waived)($60 in credits)
      Annual rewards$108
      + Credits$60
      \u2212 Annual fee$95
      Net annual value$73

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

      Results from

      $6,000

      Scoring mode

      Options

      Point valuation

      Booking

      Rewards

      Programs

      Networks

      Refine results

      How do you usually dine?

      Do you shop at Costco?

      Do you use DashPass or Uber One?

      Do you use Resy for reservations?

      No annual fee only?

      Resolved as:All Other
      Concept: Beginner-Friendly Cards
      +3 more
      Cached
      75%
      205 matches6768ms
      American Express Gold Card
      1

      American Express Gold Card

      Amex

      4x Membership Rewards on All Other
      4x × 1.8¢/pt = 3.6¢ per dollar

      Why this card

      1. 1.4x on all other — points worth 1.8¢ each ($216/yr on $6,000 spend)
      2. 2.$60/yr $120 Uber Cash
      3. 3.$50/yr $100 Resy Credit
      4. 4.$60/yr $120 Dining Credit
      5. 5.$42/yr $84 Dunkin' Credit
      AMEX
      Core Rate
      3.6¢
      per dollar on all other
      $325/yr
      Annual rewards$216
      \u2212 Annual fee$325
      Net annual value-$109

      Bonus rate on first $50,000/annual, then base rate

      Citi Strata Premier Card
      2

      Citi Strata Premier Card

      Citi

      3x ThankYou Points on All Other
      3x × 1.5¢/pt = 3.3¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.5¢ each ($198/yr on $6,000 spend)
      2. 2.$60/yr Annual Hotel Savings Benefit
      3. 3.Priority Pass Select Lounge Access
      4. 4.$30/yr Instacart+ Savings
      5. 5.$20/yr Lyft Credits
      MASTERCARD
      Core Rate
      3.3¢
      per dollar on all other
      $95/yr
      Annual rewards$198
      \u2212 Annual fee$95
      Net annual value$103
      No image
      3

      Wyndham Rewards Earner Plus Card

      Barclays

      6x Wyndham Rewards on All Other
      6x × 1.0¢/pt = 2.8¢ per dollar

      Why this card

      1. 1.6x on all other — points worth 1.0¢ each ($168/yr on $6,000 spend)
      2. 2.Annual Bonus
      3. 3.Auto Rental Collision Damage Waiver
      4. 4.Visa Signature Rental Car Privileges

      $0.32 in credits offset the $75 fee

      VISA
      Core Rate
      2.8¢
      per dollar on all other
      $75/yr($0.32 in credits)
      Annual rewards$168
      + Credits$0.32
      \u2212 Annual fee$75
      Net annual value$93.32
      No image
      4

      One Key+ Card

      Wells Fargo

      2% cash back on All Other

      Why this card

      1. 1.Priority Pass Select Lounge Access
      2. 2.$20/yr Lyft Credits
      3. 3.Auto Rental Collision Damage Waiver
      4. 4.$30/yr Instacart+ Savings

      No annual fee

      MASTERCARD
      2.6¢
      per dollar on all other
      No annual fee
      Annual rewards$156
      Net annual value$156
      No image
      5

      Verizon Visa Card

      Synchrony

      4% cash back on All Other

      Why this card

      1. 1.4% cash back on all other ($192/yr on $6,000 spend)
      2. 2.Auto Rental Collision Damage Waiver
      3. 3.Visa Signature Rental Car Privileges

      No annual fee

      VISA
      Core Rate
      3.2¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$192
      + Credits$0.32
      Net annual value$192.32
      Bilt Obsidian Card
      6

      Bilt Obsidian Card

      Cardless

      3x Bilt Rewards on All Other
      3x × 2.0¢/pt = 3.2¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 2.0¢ each ($192/yr on $6,000 spend)
      2. 2.$20/yr Lyft Credits
      3. 3.MasterRental Coverage
      4. 4.$30/yr Instacart+ Savings

      $2.00 in credits offset the $95 fee

      MASTERCARD
      Core Rate
      3.2¢
      per dollar on all other
      $95/yr($2.00 in credits)
      Annual rewards$192
      + Credits$2.00
      \u2212 Annual fee$95
      Net annual value$99

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

      Citi Custom Cash Card
      7

      Citi Custom Cash Card

      Citi

      5% cash back on All Other

      Why this card

      1. 1.5% cash back on all other ($180/yr on $6,000 spend)
      2. 2.Priority Pass Select Lounge Access
      3. 3.$30/yr Lyft Credits
      4. 4.$20/yr Lyft Credits
      5. 5.$30/yr DashPass Subscription
      MASTERCARD
      Core Rate
      3.0¢
      per dollar on all other
      No annual fee
      Annual rewards$180
      Net annual value$180

      Bonus rate on first $500/monthly, then base rate

      U.S. Bank Altitude Connect Visa Signature Card
      8

      U.S. Bank Altitude Connect Visa Signature Card

      Usbank

      4x Usbank Altitude Rewards on All Other
      4x × 1.0¢/pt = 2.0¢ per dollar

      Why this card

      1. 1.4x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
      2. 2.Priority Pass Select Lounge Access
      3. 3.$60/yr TSA PreCheck or Global Entry Credit
      4. 4.Auto Rental Collision Damage Waiver
      5. 5.Airport lounge access
      VISA
      Core Rate
      2.0¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$120
      + Credits$0.32
      Net annual value$120.32

      Bonus rate on first $1,000/quarterly, then base rate

      Wells Fargo Autograph Journey Visa Credit Card
      9

      Wells Fargo Autograph Journey Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on All Other
      3x × 1.5¢/pt = 2.4¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
      2. 2.$25/yr $50 annual statement credit
      3. 3.Auto Rental Collision Damage Waiver
      4. 4.Travel and Emergency Services Assistance
      5. 5.Visa Signature Rental Car Privileges

      $0.32 in credits offset the $95 fee

      VISA
      Core Rate
      2.4¢
      per dollar on all other
      $95/yr($0.32 in credits)
      Annual rewards$144
      + Credits$0.32
      \u2212 Annual fee$95
      Net annual value$49.32
      Navy Federal More Rewards® Card
      10

      Navy Federal More Rewards® Card

      Navy Federal

      3x Navy Federal Nrewards on All Other
      3x × 1.0¢/pt = 2.2¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
      2. 2.Auto Rental Collision Damage Waiver
      3. 3.Auto Rental Collision Damage Waiver
      4. 4.Visa Signature Rental Car Privileges

      No annual fee

      VISA
      Core Rate
      2.2¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$132
      + Credits$0.32
      Net annual value$132.32
      bp rewards Visa®
      11

      bp rewards Visa®

      Fnbo

      4% cash back on All Other

      Why this card

      1. 1.4% cash back on all other ($144/yr on $6,000 spend)

      No annual fee

      VISA
      Core Rate
      2.4¢
      per dollar on all other
      No annual fee
      Annual rewards$144
      Net annual value$144
      No image
      12

      TD Cash Credit Card

      Td Bank

      3x Cashback on All Other
      3x × 1.0¢/pt = 2.2¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
      2. 2.Auto Rental Collision Damage Waiver
      3. 3.Visa Signature Rental Car Privileges

      No annual fee

      VISA
      Core Rate
      2.2¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$132
      + Credits$0.32
      Net annual value$132.32
      Citi Strata Credit Card
      13

      Citi Strata Credit Card

      Citi

      3x ThankYou Points on All Other
      3x × 1.5¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.5¢ each ($180/yr on $6,000 spend)
      2. 2.Airport Lounge Access
      3. 3.$50/yr Global Entry or TSA PreCheck Credit
      4. 4.$50/yr $300 Annual Travel Credit

      No annual fee

      MASTERCARD
      Core Rate
      3.0¢
      per dollar on all other
      No annual fee
      Annual rewards$180
      Net annual value$180
      Chase Sapphire Preferred Card
      14

      Chase Sapphire Preferred Card

      Chase

      3x Ultimate Rewards on All Other
      3x × 1.8¢/pt = 1.8¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.8¢ each ($108/yr on $6,000 spend)
      2. 2.$25/yr $50 Annual Hotel Credit
      3. 3.Auto Rental Coverage
      4. 4.Auto Rental Collision Damage Waiver
      5. 5.Complimentary 4th night at Ennismore Hotel properties
      VISA
      Core Rate
      1.8¢
      per dollar on all other
      $95/yr($7.20 in credits)
      Annual rewards$108
      + Credits$7.20
      \u2212 Annual fee$95
      Net annual value$20.20
      BMO Premium Rewards Mastercard®
      15

      BMO Premium Rewards Mastercard®

      Bmo

      4x points on All Other

      Why this card

      1. 1.4x on all other ($144/yr on $6,000 spend)
      MASTERCARD
      Core Rate
      2.4¢
      per dollar on all other
      $95/yr
      Annual rewards$144
      \u2212 Annual fee$95
      Net annual value$49

      Bonus rate on first $2,000/quarterly, then base rate

      No image
      16

      Capital One SavorOne Student Cash Rewards Credit Card

      Capital One

      3% cash back on All Other

      Why this card

      1. 1.3% cash back on all other ($96/yr on $6,000 spend)
      2. 2.$144/yr Complimentary Uber One Membership

      No annual fee

      MASTERCARD
      Core Rate
      1.6¢
      per dollar on all other
      No annual fee
      Annual rewards$96
      Net annual value$96
      Rakuten American Express Card
      17

      Rakuten American Express Card

      First Electronic Bank

      2% cash back on All Other

      Convertible Cash Back — 2.0–4.0¢/$

      This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

      Why this card

      1. 1.2% cash back on all other ($112.80/yr on $6,000 spend)
      2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

      No annual fee

      AMEX
      Convertible
      Core Rate
      2.0–4.0¢
      per dollar on all other
      depending on redemption
      No annual fee
      Annual rewards$112.80
      Net annual value$112.80
      No image
      18

      Sam’s Club World Elite Mastercard® (Club members)

      Synchrony

      5x points on All Other

      Why this card

      1. 1.5x on all other ($96/yr on $6,000 spend)
      2. 2.Priority Pass Select Lounge Access
      3. 3.$20/yr Lyft Credits
      4. 4.$30/yr Instacart+ Savings

      No annual fee

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

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

      Bank of America Customized Cash Rewards Credit Card
      19

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      3x Bank Of America Points on All Other
      3x × 1.0¢/pt = 2.0¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
      2. 2.Auto Rental Collision Damage Waiver
      3. 3.Visa Signature Rental Car Privileges
      4. 4.$5/yr Booking.com Travel Credits
      5. 5.GigSky Mobile Data (Visa Signature)

      No annual fee

      VISA
      Core Rate
      2.0¢
      per dollar on all other
      No annual fee
      Annual rewards$120
      Net annual value$120

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

      Wells Fargo Autograph Visa Credit Card
      20

      Wells Fargo Autograph Visa Credit Card

      Wells Fargo

      3x Wells Fargo Rewards on All Other
      3x × 1.5¢/pt = 2.4¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
      2. 2.Auto Rental Collision Damage Waiver
      3. 3.Visa Signature Rental Car Privileges

      No annual fee

      VISA
      Core Rate
      2.4¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$144
      + Credits$0.32
      Net annual value$144.32
      Citi Strata Elite℠ Card
      21

      Citi Strata Elite℠ Card

      Citi

      3x ThankYou Points on All Other
      3x × 1.5¢/pt = 1.8¢ per dollar

      Why this card

      1. 1.3x on all other — points worth 1.5¢ each ($108/yr on $6,000 spend)
      2. 2.$150/yr Up to $300 Annual Hotel Benefit
      3. 3.Priority Pass™ Select membership
      4. 4.Priority Pass Select Lounge Access
      5. 5.$20/yr Lyft Credits
      MASTERCARD
      Core Rate
      1.8¢
      per dollar on all other
      $595/yr($597.50 in credits)
      Annual rewards$108
      + Credits$597.50
      \u2212 Annual fee$595
      Net annual value$110.50
      No image
      22

      Wyndham Rewards Earner Card

      Barclays

      5x Wyndham Rewards on All Other
      5x × 1.0¢/pt = 1.8¢ per dollar

      Why this card

      1. 1.5x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
      2. 2.Annual Bonus
      3. 3.Auto Rental Collision Damage Waiver
      4. 4.Visa Signature Rental Car Privileges
      5. 5.Automatic Gold Level Benefits!

      No annual fee

      VISA
      Core Rate
      1.8¢
      per dollar on all other
      No annual fee($0.32 in credits)
      Annual rewards$108
      + Credits$0.32
      Net annual value$108.32
      No image
      23

      Capital One Venture X Rewards Credit Card

      Capital One

      2x Venture Miles on All Other
      2x × 1.9¢/pt = 1.5¢ per dollar

      Why this card

      1. 1.$240/yr $300 Annual Capital One Travel Credit
      2. 2.Priority Pass Lounge Access
      3. 3.Capital One Lounge Access
      4. 4.Partner Lounge Network
      5. 5.$72/yr Global Entry or TSA PreCheck Credit
      VISA
      1.5¢
      per dollar on all other
      $395/yr
      Annual rewards$88.80
      \u2212 Annual fee$395
      Net annual value-$306.20
      No image
      24

      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

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

        No image
        25

        PenFed Platinum Rewards Visa Signature® Card

        Penfed

        5x points on All Other

        Why this card

        1. 1.5x on all other ($132/yr on $6,000 spend)
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.Visa Signature Rental Car Privileges

        No annual fee

        VISA
        Core Rate
        2.2¢
        per dollar on all other
        No annual fee($0.32 in credits)
        Annual rewards$132
        + Credits$0.32
        Net annual value$132.32
        No image
        26

        Venmo Credit Card

        Synchrony

        3x Cashback on All Other
        3x × 1.0¢/pt = 2.2¢ per dollar

        Why this card

        1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
        2. 2.Auto Rental Collision Damage Waiver
        3. 3.Visa Signature Rental Car Privileges

        No annual fee

        VISA
        Core Rate
        2.2¢
        per dollar on all other
        No annual fee($0.32 in credits)
        Annual rewards$132
        + Credits$0.32
        Net annual value$132.32
        Choice Privileges Select Mastercard
        27

        Choice Privileges Select Mastercard

        Wells Fargo

        5x Choice Privileges on All Other
        5x × 0.6¢/pt = 1.4¢ per dollar

        Why this card

        1. 1.5x on all other — points worth 0.6¢ each ($86.40/yr on $6,000 spend)
        2. 2.Priority Pass Select Lounge Access
        3. 3.$20/yr Lyft Credits
        4. 4.$30/yr Instacart+ Savings
        5. 5.$30/yr Global Entry or TSA PreCheck Credit
        MASTERCARD
        Core Rate
        1.4¢
        per dollar on all other
        $95/yr
        Annual rewards$86.40
        \u2212 Annual fee$95
        Net annual value-$8.60
        Hilton Honors American Express Card
        28

        Hilton Honors American Express Card

        Amex

        3x Hilton Honors on All Other
        3x × 0.5¢/pt = 1.6¢ per dollar

        Why this card

          No annual fee

          AMEX
          1.6¢
          per dollar on all other
          No annual fee
          Annual rewards$96
          Net annual value$96
          Gemini Credit Card
          29

          Gemini Credit Card

          Genesis Fs

          3x Cashback on All Other
          3x × 1.0¢/pt = 1.6¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($96/yr on $6,000 spend)
          2. 2.Priority Pass Select Lounge Access
          3. 3.$30/yr Instacart+ Savings
          4. 4.$20/yr Lyft Credits

          No annual fee

          MASTERCARD
          Core Rate
          1.6¢
          per dollar on all other
          No annual fee
          Annual rewards$96
          Net annual value$96
          Blue Cash Preferred Card from American Express
          30

          Blue Cash Preferred Card from American Express

          Amex

          6x Cashback on All Other
          6x × 1.0¢/pt = 1.8¢ per dollar

          Why this card

          1. 1.6x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
          2. 2.Hertz Car Rental Benefits
          3. 3.Global Assist Hotline

          $60 in credits offset the $95 fee

          AMEX
          Core Rate
          1.8¢
          per dollar on all other
          $95/yr (Y1 waived)($60 in credits)
          Annual rewards$108
          + Credits$60
          \u2212 Annual fee$95
          Net annual value$73

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

          Results from

          $6,000

          Scoring mode

          Options

          Point valuation

          Booking

          Rewards

          Programs

          Networks

          Refine results

          How do you usually dine?

          Do you shop at Costco?

          Do you use DashPass or Uber One?

          Do you use Resy for reservations?

          No annual fee only?

          Resolved as:All Other
          Concept: Beginner-Friendly Cards
          +3 more
          Cached
          75%
          205 matches6768ms
          American Express Gold Card
          1

          American Express Gold Card

          Amex

          4x Membership Rewards on All Other
          4x × 1.8¢/pt = 3.6¢ per dollar

          Why this card

          1. 1.4x on all other — points worth 1.8¢ each ($216/yr on $6,000 spend)
          2. 2.$60/yr $120 Uber Cash
          3. 3.$50/yr $100 Resy Credit
          4. 4.$60/yr $120 Dining Credit
          5. 5.$42/yr $84 Dunkin' Credit
          AMEX
          Core Rate
          3.6¢
          per dollar on all other
          $325/yr
          Annual rewards$216
          \u2212 Annual fee$325
          Net annual value-$109

          Bonus rate on first $50,000/annual, then base rate

          Citi Strata Premier Card
          2

          Citi Strata Premier Card

          Citi

          3x ThankYou Points on All Other
          3x × 1.5¢/pt = 3.3¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($198/yr on $6,000 spend)
          2. 2.$60/yr Annual Hotel Savings Benefit
          3. 3.Priority Pass Select Lounge Access
          4. 4.$30/yr Instacart+ Savings
          5. 5.$20/yr Lyft Credits
          MASTERCARD
          Core Rate
          3.3¢
          per dollar on all other
          $95/yr
          Annual rewards$198
          \u2212 Annual fee$95
          Net annual value$103
          No image
          3

          Wyndham Rewards Earner Plus Card

          Barclays

          6x Wyndham Rewards on All Other
          6x × 1.0¢/pt = 2.8¢ per dollar

          Why this card

          1. 1.6x on all other — points worth 1.0¢ each ($168/yr on $6,000 spend)
          2. 2.Annual Bonus
          3. 3.Auto Rental Collision Damage Waiver
          4. 4.Visa Signature Rental Car Privileges

          $0.32 in credits offset the $75 fee

          VISA
          Core Rate
          2.8¢
          per dollar on all other
          $75/yr($0.32 in credits)
          Annual rewards$168
          + Credits$0.32
          \u2212 Annual fee$75
          Net annual value$93.32
          No image
          4

          One Key+ Card

          Wells Fargo

          2% cash back on All Other

          Why this card

          1. 1.Priority Pass Select Lounge Access
          2. 2.$20/yr Lyft Credits
          3. 3.Auto Rental Collision Damage Waiver
          4. 4.$30/yr Instacart+ Savings

          No annual fee

          MASTERCARD
          2.6¢
          per dollar on all other
          No annual fee
          Annual rewards$156
          Net annual value$156
          No image
          5

          Verizon Visa Card

          Synchrony

          4% cash back on All Other

          Why this card

          1. 1.4% cash back on all other ($192/yr on $6,000 spend)
          2. 2.Auto Rental Collision Damage Waiver
          3. 3.Visa Signature Rental Car Privileges

          No annual fee

          VISA
          Core Rate
          3.2¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$192
          + Credits$0.32
          Net annual value$192.32
          Bilt Obsidian Card
          6

          Bilt Obsidian Card

          Cardless

          3x Bilt Rewards on All Other
          3x × 2.0¢/pt = 3.2¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 2.0¢ each ($192/yr on $6,000 spend)
          2. 2.$20/yr Lyft Credits
          3. 3.MasterRental Coverage
          4. 4.$30/yr Instacart+ Savings

          $2.00 in credits offset the $95 fee

          MASTERCARD
          Core Rate
          3.2¢
          per dollar on all other
          $95/yr($2.00 in credits)
          Annual rewards$192
          + Credits$2.00
          \u2212 Annual fee$95
          Net annual value$99

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

          Citi Custom Cash Card
          7

          Citi Custom Cash Card

          Citi

          5% cash back on All Other

          Why this card

          1. 1.5% cash back on all other ($180/yr on $6,000 spend)
          2. 2.Priority Pass Select Lounge Access
          3. 3.$30/yr Lyft Credits
          4. 4.$20/yr Lyft Credits
          5. 5.$30/yr DashPass Subscription
          MASTERCARD
          Core Rate
          3.0¢
          per dollar on all other
          No annual fee
          Annual rewards$180
          Net annual value$180

          Bonus rate on first $500/monthly, then base rate

          U.S. Bank Altitude Connect Visa Signature Card
          8

          U.S. Bank Altitude Connect Visa Signature Card

          Usbank

          4x Usbank Altitude Rewards on All Other
          4x × 1.0¢/pt = 2.0¢ per dollar

          Why this card

          1. 1.4x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
          2. 2.Priority Pass Select Lounge Access
          3. 3.$60/yr TSA PreCheck or Global Entry Credit
          4. 4.Auto Rental Collision Damage Waiver
          5. 5.Airport lounge access
          VISA
          Core Rate
          2.0¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$120
          + Credits$0.32
          Net annual value$120.32

          Bonus rate on first $1,000/quarterly, then base rate

          Wells Fargo Autograph Journey Visa Credit Card
          9

          Wells Fargo Autograph Journey Visa Credit Card

          Wells Fargo

          3x Wells Fargo Rewards on All Other
          3x × 1.5¢/pt = 2.4¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
          2. 2.$25/yr $50 annual statement credit
          3. 3.Auto Rental Collision Damage Waiver
          4. 4.Travel and Emergency Services Assistance
          5. 5.Visa Signature Rental Car Privileges

          $0.32 in credits offset the $95 fee

          VISA
          Core Rate
          2.4¢
          per dollar on all other
          $95/yr($0.32 in credits)
          Annual rewards$144
          + Credits$0.32
          \u2212 Annual fee$95
          Net annual value$49.32
          Navy Federal More Rewards® Card
          10

          Navy Federal More Rewards® Card

          Navy Federal

          3x Navy Federal Nrewards on All Other
          3x × 1.0¢/pt = 2.2¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
          2. 2.Auto Rental Collision Damage Waiver
          3. 3.Auto Rental Collision Damage Waiver
          4. 4.Visa Signature Rental Car Privileges

          No annual fee

          VISA
          Core Rate
          2.2¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$132
          + Credits$0.32
          Net annual value$132.32
          bp rewards Visa®
          11

          bp rewards Visa®

          Fnbo

          4% cash back on All Other

          Why this card

          1. 1.4% cash back on all other ($144/yr on $6,000 spend)

          No annual fee

          VISA
          Core Rate
          2.4¢
          per dollar on all other
          No annual fee
          Annual rewards$144
          Net annual value$144
          No image
          12

          TD Cash Credit Card

          Td Bank

          3x Cashback on All Other
          3x × 1.0¢/pt = 2.2¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
          2. 2.Auto Rental Collision Damage Waiver
          3. 3.Visa Signature Rental Car Privileges

          No annual fee

          VISA
          Core Rate
          2.2¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$132
          + Credits$0.32
          Net annual value$132.32
          Citi Strata Credit Card
          13

          Citi Strata Credit Card

          Citi

          3x ThankYou Points on All Other
          3x × 1.5¢/pt = 3.0¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($180/yr on $6,000 spend)
          2. 2.Airport Lounge Access
          3. 3.$50/yr Global Entry or TSA PreCheck Credit
          4. 4.$50/yr $300 Annual Travel Credit

          No annual fee

          MASTERCARD
          Core Rate
          3.0¢
          per dollar on all other
          No annual fee
          Annual rewards$180
          Net annual value$180
          Chase Sapphire Preferred Card
          14

          Chase Sapphire Preferred Card

          Chase

          3x Ultimate Rewards on All Other
          3x × 1.8¢/pt = 1.8¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.8¢ each ($108/yr on $6,000 spend)
          2. 2.$25/yr $50 Annual Hotel Credit
          3. 3.Auto Rental Coverage
          4. 4.Auto Rental Collision Damage Waiver
          5. 5.Complimentary 4th night at Ennismore Hotel properties
          VISA
          Core Rate
          1.8¢
          per dollar on all other
          $95/yr($7.20 in credits)
          Annual rewards$108
          + Credits$7.20
          \u2212 Annual fee$95
          Net annual value$20.20
          BMO Premium Rewards Mastercard®
          15

          BMO Premium Rewards Mastercard®

          Bmo

          4x points on All Other

          Why this card

          1. 1.4x on all other ($144/yr on $6,000 spend)
          MASTERCARD
          Core Rate
          2.4¢
          per dollar on all other
          $95/yr
          Annual rewards$144
          \u2212 Annual fee$95
          Net annual value$49

          Bonus rate on first $2,000/quarterly, then base rate

          No image
          16

          Capital One SavorOne Student Cash Rewards Credit Card

          Capital One

          3% cash back on All Other

          Why this card

          1. 1.3% cash back on all other ($96/yr on $6,000 spend)
          2. 2.$144/yr Complimentary Uber One Membership

          No annual fee

          MASTERCARD
          Core Rate
          1.6¢
          per dollar on all other
          No annual fee
          Annual rewards$96
          Net annual value$96
          Rakuten American Express Card
          17

          Rakuten American Express Card

          First Electronic Bank

          2% cash back on All Other

          Convertible Cash Back — 2.0–4.0¢/$

          This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

          Why this card

          1. 1.2% cash back on all other ($112.80/yr on $6,000 spend)
          2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

          No annual fee

          AMEX
          Convertible
          Core Rate
          2.0–4.0¢
          per dollar on all other
          depending on redemption
          No annual fee
          Annual rewards$112.80
          Net annual value$112.80
          No image
          18

          Sam’s Club World Elite Mastercard® (Club members)

          Synchrony

          5x points on All Other

          Why this card

          1. 1.5x on all other ($96/yr on $6,000 spend)
          2. 2.Priority Pass Select Lounge Access
          3. 3.$20/yr Lyft Credits
          4. 4.$30/yr Instacart+ Savings

          No annual fee

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

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

          Bank of America Customized Cash Rewards Credit Card
          19

          Bank of America Customized Cash Rewards Credit Card

          Bank Of America

          3x Bank Of America Points on All Other
          3x × 1.0¢/pt = 2.0¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.0¢ each ($120/yr on $6,000 spend)
          2. 2.Auto Rental Collision Damage Waiver
          3. 3.Visa Signature Rental Car Privileges
          4. 4.$5/yr Booking.com Travel Credits
          5. 5.GigSky Mobile Data (Visa Signature)

          No annual fee

          VISA
          Core Rate
          2.0¢
          per dollar on all other
          No annual fee
          Annual rewards$120
          Net annual value$120

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

          Wells Fargo Autograph Visa Credit Card
          20

          Wells Fargo Autograph Visa Credit Card

          Wells Fargo

          3x Wells Fargo Rewards on All Other
          3x × 1.5¢/pt = 2.4¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($144/yr on $6,000 spend)
          2. 2.Auto Rental Collision Damage Waiver
          3. 3.Visa Signature Rental Car Privileges

          No annual fee

          VISA
          Core Rate
          2.4¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$144
          + Credits$0.32
          Net annual value$144.32
          Citi Strata Elite℠ Card
          21

          Citi Strata Elite℠ Card

          Citi

          3x ThankYou Points on All Other
          3x × 1.5¢/pt = 1.8¢ per dollar

          Why this card

          1. 1.3x on all other — points worth 1.5¢ each ($108/yr on $6,000 spend)
          2. 2.$150/yr Up to $300 Annual Hotel Benefit
          3. 3.Priority Pass™ Select membership
          4. 4.Priority Pass Select Lounge Access
          5. 5.$20/yr Lyft Credits
          MASTERCARD
          Core Rate
          1.8¢
          per dollar on all other
          $595/yr($597.50 in credits)
          Annual rewards$108
          + Credits$597.50
          \u2212 Annual fee$595
          Net annual value$110.50
          No image
          22

          Wyndham Rewards Earner Card

          Barclays

          5x Wyndham Rewards on All Other
          5x × 1.0¢/pt = 1.8¢ per dollar

          Why this card

          1. 1.5x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
          2. 2.Annual Bonus
          3. 3.Auto Rental Collision Damage Waiver
          4. 4.Visa Signature Rental Car Privileges
          5. 5.Automatic Gold Level Benefits!

          No annual fee

          VISA
          Core Rate
          1.8¢
          per dollar on all other
          No annual fee($0.32 in credits)
          Annual rewards$108
          + Credits$0.32
          Net annual value$108.32
          No image
          23

          Capital One Venture X Rewards Credit Card

          Capital One

          2x Venture Miles on All Other
          2x × 1.9¢/pt = 1.5¢ per dollar

          Why this card

          1. 1.$240/yr $300 Annual Capital One Travel Credit
          2. 2.Priority Pass Lounge Access
          3. 3.Capital One Lounge Access
          4. 4.Partner Lounge Network
          5. 5.$72/yr Global Entry or TSA PreCheck Credit
          VISA
          1.5¢
          per dollar on all other
          $395/yr
          Annual rewards$88.80
          \u2212 Annual fee$395
          Net annual value-$306.20
          No image
          24

          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

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

            No image
            25

            PenFed Platinum Rewards Visa Signature® Card

            Penfed

            5x points on All Other

            Why this card

            1. 1.5x on all other ($132/yr on $6,000 spend)
            2. 2.Auto Rental Collision Damage Waiver
            3. 3.Visa Signature Rental Car Privileges

            No annual fee

            VISA
            Core Rate
            2.2¢
            per dollar on all other
            No annual fee($0.32 in credits)
            Annual rewards$132
            + Credits$0.32
            Net annual value$132.32
            No image
            26

            Venmo Credit Card

            Synchrony

            3x Cashback on All Other
            3x × 1.0¢/pt = 2.2¢ per dollar

            Why this card

            1. 1.3x on all other — points worth 1.0¢ each ($132/yr on $6,000 spend)
            2. 2.Auto Rental Collision Damage Waiver
            3. 3.Visa Signature Rental Car Privileges

            No annual fee

            VISA
            Core Rate
            2.2¢
            per dollar on all other
            No annual fee($0.32 in credits)
            Annual rewards$132
            + Credits$0.32
            Net annual value$132.32
            Choice Privileges Select Mastercard
            27

            Choice Privileges Select Mastercard

            Wells Fargo

            5x Choice Privileges on All Other
            5x × 0.6¢/pt = 1.4¢ per dollar

            Why this card

            1. 1.5x on all other — points worth 0.6¢ each ($86.40/yr on $6,000 spend)
            2. 2.Priority Pass Select Lounge Access
            3. 3.$20/yr Lyft Credits
            4. 4.$30/yr Instacart+ Savings
            5. 5.$30/yr Global Entry or TSA PreCheck Credit
            MASTERCARD
            Core Rate
            1.4¢
            per dollar on all other
            $95/yr
            Annual rewards$86.40
            \u2212 Annual fee$95
            Net annual value-$8.60
            Hilton Honors American Express Card
            28

            Hilton Honors American Express Card

            Amex

            3x Hilton Honors on All Other
            3x × 0.5¢/pt = 1.6¢ per dollar

            Why this card

              No annual fee

              AMEX
              1.6¢
              per dollar on all other
              No annual fee
              Annual rewards$96
              Net annual value$96
              Gemini Credit Card
              29

              Gemini Credit Card

              Genesis Fs

              3x Cashback on All Other
              3x × 1.0¢/pt = 1.6¢ per dollar

              Why this card

              1. 1.3x on all other — points worth 1.0¢ each ($96/yr on $6,000 spend)
              2. 2.Priority Pass Select Lounge Access
              3. 3.$30/yr Instacart+ Savings
              4. 4.$20/yr Lyft Credits

              No annual fee

              MASTERCARD
              Core Rate
              1.6¢
              per dollar on all other
              No annual fee
              Annual rewards$96
              Net annual value$96
              Blue Cash Preferred Card from American Express
              30

              Blue Cash Preferred Card from American Express

              Amex

              6x Cashback on All Other
              6x × 1.0¢/pt = 1.8¢ per dollar

              Why this card

              1. 1.6x on all other — points worth 1.0¢ each ($108/yr on $6,000 spend)
              2. 2.Hertz Car Rental Benefits
              3. 3.Global Assist Hotline

              $60 in credits offset the $95 fee

              AMEX
              Core Rate
              1.8¢
              per dollar on all other
              $95/yr (Y1 waived)($60 in credits)
              Annual rewards$108
              + Credits$60
              \u2212 Annual fee$95
              Net annual value$73

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