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© Copyright 2026 CardRewards. All Rights Reserved.

About
  • Blog
  • Contact
Product
  • Documentation
Legal
  • Terms of Service
  • Privacy Policy
  • Cookie Policy
  • Accessibility
free hotel night

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
  • Accessibility

Results from

$6,000

Scoring mode

Options

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Refine results

No annual fee only?

Avoid Amex network?

Already have a premium card?

Resolved as:All Other
Keyword
85%
102 matches953ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

Hilton Honors American Express Aspire Card
1

Hilton Honors American Express Aspire Card

Amex

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

Why this card

  1. 1.Annual Free Night Reward
  2. 2.Second Free Night Reward After $60,000 Spend
  3. 3.Free Night Reward After $30,000 Spend

$504.50 in credits offset the $550 fee

AMEX
1.5¢
per dollar on all other
$550/yr($504.50 in credits)
Annual rewards$90
+ Credits$504.50
\u2212 Annual fee$550
Net annual value$44.50
World of Hyatt Credit Card
2

World of Hyatt Credit Card

Chase

1x World Of Hyatt on All Other
1x × 1.0¢/pt = 1.0¢ per dollar

Why this card

  1. 1.Anniversary Free Night
  2. 2.Bonus Free Night on Spend
  3. 3.5 Tier-Qualifying Night Credits Annually

$8 in credits offset the $95 fee

VISA
1.0¢
per dollar on all other
$95/yr($8 in credits)
Annual rewards$60
+ Credits$8
\u2212 Annual fee$95
Net annual value-$27
Chase Sapphire Preferred Card
3

Chase Sapphire Preferred Card

Chase

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

Why this card

  1. 1.Complimentary 4th night at Ennismore Hotel properties

$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
4

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
    Citi Strata Elite℠ Card
    5

    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
      Wells Fargo Active Cash Card
      6

      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
        Synchrony Premier Mastercard
        7

        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
          Capital One VentureOne Rewards Credit Card
          8

          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
            Bilt Obsidian Card
            9

            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
            10

            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
              No image
              11

              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
                12

                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
                  13

                  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
                    14

                    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
                      15

                      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
                        16

                        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
                          No image
                          17

                          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
                            Rakuten American Express Card
                            18

                            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 Reserve
                            19

                            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
                              Bank of America® Unlimited Cash Rewards for Students
                              20

                              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
                                21

                                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
                                  22

                                  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
                                    23

                                    Bilt Blue Card

                                    Cardless

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

                                    Why this card

                                      No annual fee

                                      MASTERCARD
                                      2.0¢
                                      per dollar on all other
                                      No annual fee
                                      Annual rewards$120
                                      Net annual value$120
                                      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
                                        Discover it® Miles
                                        25

                                        Discover it® Miles

                                        Discover

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

                                        Why this card

                                          No annual fee

                                          DISCOVER
                                          1.5¢
                                          per dollar on all other
                                          No annual fee
                                          Annual rewards$90
                                          Net annual value$90
                                          Capital One QuicksilverOne Cash Rewards Credit Card
                                          26

                                          Capital One QuicksilverOne Cash Rewards Credit Card

                                          Capital One

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

                                          Why this card

                                            $29.97 in credits offset the $39 fee

                                            MASTERCARD
                                            1.5¢
                                            per dollar on all other
                                            $39/yr($29.97 in credits)
                                            Annual rewards$90
                                            + Credits$29.97
                                            \u2212 Annual fee$39
                                            Net annual value$80.97
                                            No image
                                            27

                                            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
                                              28

                                              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
                                                Chase Freedom Unlimited
                                                29

                                                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
                                                  30

                                                  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

                                                    Results from

                                                    $6,000

                                                    Scoring mode

                                                    Options

                                                    Point valuation

                                                    Booking

                                                    Rewards

                                                    Programs

                                                    Networks

                                                    Refine results

                                                    No annual fee only?

                                                    Avoid Amex network?

                                                    Already have a premium card?

                                                    Resolved as:All Other
                                                    Keyword
                                                    85%
                                                    102 matches953ms

                                                    Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

                                                    Hilton Honors American Express Aspire Card
                                                    1

                                                    Hilton Honors American Express Aspire Card

                                                    Amex

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

                                                    Why this card

                                                    1. 1.Annual Free Night Reward
                                                    2. 2.Second Free Night Reward After $60,000 Spend
                                                    3. 3.Free Night Reward After $30,000 Spend

                                                    $504.50 in credits offset the $550 fee

                                                    AMEX
                                                    1.5¢
                                                    per dollar on all other
                                                    $550/yr($504.50 in credits)
                                                    Annual rewards$90
                                                    + Credits$504.50
                                                    \u2212 Annual fee$550
                                                    Net annual value$44.50
                                                    World of Hyatt Credit Card
                                                    2

                                                    World of Hyatt Credit Card

                                                    Chase

                                                    1x World Of Hyatt on All Other
                                                    1x × 1.0¢/pt = 1.0¢ per dollar

                                                    Why this card

                                                    1. 1.Anniversary Free Night
                                                    2. 2.Bonus Free Night on Spend
                                                    3. 3.5 Tier-Qualifying Night Credits Annually

                                                    $8 in credits offset the $95 fee

                                                    VISA
                                                    1.0¢
                                                    per dollar on all other
                                                    $95/yr($8 in credits)
                                                    Annual rewards$60
                                                    + Credits$8
                                                    \u2212 Annual fee$95
                                                    Net annual value-$27
                                                    Chase Sapphire Preferred Card
                                                    3

                                                    Chase Sapphire Preferred Card

                                                    Chase

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

                                                    Why this card

                                                    1. 1.Complimentary 4th night at Ennismore Hotel properties

                                                    $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
                                                    4

                                                    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
                                                      Citi Strata Elite℠ Card
                                                      5

                                                      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
                                                        Wells Fargo Active Cash Card
                                                        6

                                                        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
                                                          Synchrony Premier Mastercard
                                                          7

                                                          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
                                                            Capital One VentureOne Rewards Credit Card
                                                            8

                                                            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
                                                              Bilt Obsidian Card
                                                              9

                                                              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
                                                              10

                                                              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
                                                                No image
                                                                11

                                                                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
                                                                  12

                                                                  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
                                                                    13

                                                                    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
                                                                      14

                                                                      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
                                                                        15

                                                                        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
                                                                          16

                                                                          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
                                                                            No image
                                                                            17

                                                                            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
                                                                              Rakuten American Express Card
                                                                              18

                                                                              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 Reserve
                                                                              19

                                                                              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
                                                                                Bank of America® Unlimited Cash Rewards for Students
                                                                                20

                                                                                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
                                                                                  21

                                                                                  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
                                                                                    22

                                                                                    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
                                                                                      23

                                                                                      Bilt Blue Card

                                                                                      Cardless

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

                                                                                      Why this card

                                                                                        No annual fee

                                                                                        MASTERCARD
                                                                                        2.0¢
                                                                                        per dollar on all other
                                                                                        No annual fee
                                                                                        Annual rewards$120
                                                                                        Net annual value$120
                                                                                        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
                                                                                          Discover it® Miles
                                                                                          25

                                                                                          Discover it® Miles

                                                                                          Discover

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

                                                                                          Why this card

                                                                                            No annual fee

                                                                                            DISCOVER
                                                                                            1.5¢
                                                                                            per dollar on all other
                                                                                            No annual fee
                                                                                            Annual rewards$90
                                                                                            Net annual value$90
                                                                                            Capital One QuicksilverOne Cash Rewards Credit Card
                                                                                            26

                                                                                            Capital One QuicksilverOne Cash Rewards Credit Card

                                                                                            Capital One

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

                                                                                            Why this card

                                                                                              $29.97 in credits offset the $39 fee

                                                                                              MASTERCARD
                                                                                              1.5¢
                                                                                              per dollar on all other
                                                                                              $39/yr($29.97 in credits)
                                                                                              Annual rewards$90
                                                                                              + Credits$29.97
                                                                                              \u2212 Annual fee$39
                                                                                              Net annual value$80.97
                                                                                              No image
                                                                                              27

                                                                                              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
                                                                                                28

                                                                                                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
                                                                                                  Chase Freedom Unlimited
                                                                                                  29

                                                                                                  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
                                                                                                    30

                                                                                                    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

                                                                                                      Results from

                                                                                                      $6,000

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                                                                                                      Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

                                                                                                      Hilton Honors American Express Aspire Card
                                                                                                      1

                                                                                                      Hilton Honors American Express Aspire Card

                                                                                                      Amex

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

                                                                                                      Why this card

                                                                                                      1. 1.Annual Free Night Reward
                                                                                                      2. 2.Second Free Night Reward After $60,000 Spend
                                                                                                      3. 3.Free Night Reward After $30,000 Spend

                                                                                                      $504.50 in credits offset the $550 fee

                                                                                                      AMEX
                                                                                                      1.5¢
                                                                                                      per dollar on all other
                                                                                                      $550/yr($504.50 in credits)
                                                                                                      Annual rewards$90
                                                                                                      + Credits$504.50
                                                                                                      \u2212 Annual fee$550
                                                                                                      Net annual value$44.50
                                                                                                      World of Hyatt Credit Card
                                                                                                      2

                                                                                                      World of Hyatt Credit Card

                                                                                                      Chase

                                                                                                      1x World Of Hyatt on All Other
                                                                                                      1x × 1.0¢/pt = 1.0¢ per dollar

                                                                                                      Why this card

                                                                                                      1. 1.Anniversary Free Night
                                                                                                      2. 2.Bonus Free Night on Spend
                                                                                                      3. 3.5 Tier-Qualifying Night Credits Annually

                                                                                                      $8 in credits offset the $95 fee

                                                                                                      VISA
                                                                                                      1.0¢
                                                                                                      per dollar on all other
                                                                                                      $95/yr($8 in credits)
                                                                                                      Annual rewards$60
                                                                                                      + Credits$8
                                                                                                      \u2212 Annual fee$95
                                                                                                      Net annual value-$27
                                                                                                      Chase Sapphire Preferred Card
                                                                                                      3

                                                                                                      Chase Sapphire Preferred Card

                                                                                                      Chase

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

                                                                                                      Why this card

                                                                                                      1. 1.Complimentary 4th night at Ennismore Hotel properties

                                                                                                      $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
                                                                                                      4

                                                                                                      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
                                                                                                        Citi Strata Elite℠ Card
                                                                                                        5

                                                                                                        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
                                                                                                          Wells Fargo Active Cash Card
                                                                                                          6

                                                                                                          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
                                                                                                            Synchrony Premier Mastercard
                                                                                                            7

                                                                                                            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
                                                                                                              Capital One VentureOne Rewards Credit Card
                                                                                                              8

                                                                                                              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
                                                                                                                Bilt Obsidian Card
                                                                                                                9

                                                                                                                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
                                                                                                                10

                                                                                                                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
                                                                                                                  No image
                                                                                                                  11

                                                                                                                  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
                                                                                                                    12

                                                                                                                    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
                                                                                                                      13

                                                                                                                      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
                                                                                                                        14

                                                                                                                        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
                                                                                                                          15

                                                                                                                          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
                                                                                                                            16

                                                                                                                            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
                                                                                                                              No image
                                                                                                                              17

                                                                                                                              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
                                                                                                                                Rakuten American Express Card
                                                                                                                                18

                                                                                                                                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 Reserve
                                                                                                                                19

                                                                                                                                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
                                                                                                                                  Bank of America® Unlimited Cash Rewards for Students
                                                                                                                                  20

                                                                                                                                  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
                                                                                                                                    21

                                                                                                                                    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
                                                                                                                                      22

                                                                                                                                      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
                                                                                                                                        23

                                                                                                                                        Bilt Blue Card

                                                                                                                                        Cardless

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

                                                                                                                                        Why this card

                                                                                                                                          No annual fee

                                                                                                                                          MASTERCARD
                                                                                                                                          2.0¢
                                                                                                                                          per dollar on all other
                                                                                                                                          No annual fee
                                                                                                                                          Annual rewards$120
                                                                                                                                          Net annual value$120
                                                                                                                                          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
                                                                                                                                            Discover it® Miles
                                                                                                                                            25

                                                                                                                                            Discover it® Miles

                                                                                                                                            Discover

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

                                                                                                                                            Why this card

                                                                                                                                              No annual fee

                                                                                                                                              DISCOVER
                                                                                                                                              1.5¢
                                                                                                                                              per dollar on all other
                                                                                                                                              No annual fee
                                                                                                                                              Annual rewards$90
                                                                                                                                              Net annual value$90
                                                                                                                                              Capital One QuicksilverOne Cash Rewards Credit Card
                                                                                                                                              26

                                                                                                                                              Capital One QuicksilverOne Cash Rewards Credit Card

                                                                                                                                              Capital One

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

                                                                                                                                              Why this card

                                                                                                                                                $29.97 in credits offset the $39 fee

                                                                                                                                                MASTERCARD
                                                                                                                                                1.5¢
                                                                                                                                                per dollar on all other
                                                                                                                                                $39/yr($29.97 in credits)
                                                                                                                                                Annual rewards$90
                                                                                                                                                + Credits$29.97
                                                                                                                                                \u2212 Annual fee$39
                                                                                                                                                Net annual value$80.97
                                                                                                                                                No image
                                                                                                                                                27

                                                                                                                                                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
                                                                                                                                                  28

                                                                                                                                                  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
                                                                                                                                                    Chase Freedom Unlimited
                                                                                                                                                    29

                                                                                                                                                    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
                                                                                                                                                      30

                                                                                                                                                      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