Credit Cards We Compare
We rank cards by your spending — not by who pays us. Here’s every card in the calculator, grouped by what it’s actually good at. Every rate, fee, and bonus is checked against the issuer’s own terms and reviewed every month.
For frequent travelers who use the perks
Bigger annual fees, but large welcome bonuses, premium travel credits, lounge access, and points that transfer to airlines and hotels.
Chase Sapphire Reserve®$795/yr
Chase’s flagship. Earns 4x on flights and hotels booked direct and 3x on dining, with a $300 annual travel credit, lounge access, and Ultimate Rewards points that transfer to airline and hotel partners. Best for big spenders who actually use the credits.
American Express® Platinum Card$895/yr
A luxury travel card built around statement credits and lounge access. Earns 5x on flights and prepaid hotels through Amex Travel, with Membership Rewards points that transfer to 20+ partners. The value lives in the credits more than everyday spending.
Capital One Venture X$395/yr
The easiest premium card to break even on. Earns 2x miles on everything, plus a $300 travel credit, anniversary miles, and lounge access. Miles transfer to airline and hotel partners.
TRAVEL & POINTS
The sweet spot for most people
Modest fees (or none) with strong everyday earning and points that stretch further through transfer partners.
Chase Sapphire Preferred®$95/yr
One of the most popular travel cards out there. Earns 3x on dining, groceries, and streaming, with points that transfer to partners like Hyatt and United. A June 2026 refresh added 3x gas and EV charging, a $100 hotel credit, and a Global Entry credit.
American Express® Gold Card$325/yr
A foodie’s card. Earns 4x at restaurants and U.S. supermarkets and 3x on flights, plus monthly dining and Uber credits. Points transfer to 20+ partners. Best for households heavy on dining and groceries.
Citi Strata Premier®$95/yr
A quiet overachiever. Earns 3x on dining, groceries, flights, hotels, and gas, with ThankYou points that transfer to partners like Turkish Airlines and Air France/KLM. One of the strongest all-around points cards for broad spending.
Wells Fargo Autograph®No annual fee
Earns 3x on dining, travel, gas, transit, and streaming — a remarkably wide bonus lineup for a free card. Points now transfer to select travel partners, making it a great first step into transferable rewards.
Capital One VentureOne RewardsNo annual fee
Earns 1.25x miles on everything with no annual fee. Miles transfer to the same partners as the Venture X, so it’s a low-commitment way to start earning transferable miles.
Southwest Rapid Rewards® Priority$229/yr
A co-branded airline card earning 4x on Southwest flights and 2x on dining and gas, plus an anniversary points bonus, a free checked bag, and Companion Pass qualifying points. Best for loyal Southwest flyers.
U.S. Bank Altitude® ConnectNo annual fee
Earns 4x on travel and gas and 2x on dining, groceries, and streaming — and throws in Priority Pass lounge access. A rare free card with both strong travel earning and lounge perks.
Bank of America® Travel RewardsNo annual fee
Simple and clean: a flat 1.5x on everything with no foreign transaction fees. Bank of America Preferred Rewards members can earn even more. A low-maintenance pick for occasional travelers.
CASH BACK
Simple value, mostly fee-free
Straight cash rewards with no points to track and no transfer partners to learn. Easy to use, easy to love.
Blue Cash Preferred® Card from Amex$95/yr
A grocery powerhouse — 6% at U.S. supermarkets (up to a cap) and on select streaming, plus 3% on gas and transit. For grocery-heavy families, one of the highest-earning cash back cards anywhere.
Blue Cash Everyday® Card from AmexNo annual fee
The no-fee version: 3% on U.S. groceries, gas, and online retail. A solid everyday card for households that want category bonuses without paying for them.
Chase Freedom Unlimited®No annual fee
3% on dining and drugstores, 1.5% on everything else. Pairs beautifully with a Chase Sapphire card to turn that cash back into transferable points.
Chase Freedom Flex®No annual fee
5% on rotating quarterly categories (up to $1,500 in spend) plus 3% on dining and drugstores. Best if you don’t mind activating the categories each quarter.
Citi Double Cash® CardNo annual fee
A flat 2% on everything — 1% when you buy, 1% when you pay it off. One of the simplest reliable cash back cards you can carry.
Citi Custom Cash® CardNo annual fee
Earns 5% in your top spending category each billing cycle (on up to $500), then 1%. Note: it’s currently closed to new applicants, so we include it for comparison only.
Discover it® Cash BackNo annual fee
5% on rotating quarterly categories (up to $1,500) and 1% elsewhere, with no foreign transaction fees. Discover also matches all the cash back you earn in your first year.
Apple CardNo annual fee
From Apple and Goldman Sachs: 3% at Apple and select partners, 2% on any Apple Pay purchase, and 1% on the physical card. Best for people who live in the Apple ecosystem and pay with Apple Pay.
Capital One QuicksilverNo annual fee
A flat 1.5% back on every purchase with no categories to track and no annual fee. Comes with a $200 bonus after just $500 of spending and 0% intro APR for 15 months. The simplest cash-back card we compare.
Commerce Bank Special Connections®No annual fee
An unusual one: 4% back on streaming, music and cable with no caps, plus 2% on groceries. Worth a look if you spend heavily on subscriptions — but it charges a foreign transaction fee, which is rare among the cards we compare.
RENT REWARDS
Earn on your biggest monthly bill
The Bilt family lets you earn points on rent and mortgage payments with no transaction fee — something almost no other card offers. All three tiers transfer points to airlines and hotels.
Bilt Mastercard® BlueNo annual fee
The free entry tier. Earns points on rent and mortgage (fee-free) plus everyday categories, with transferable points and cell phone protection. A free way to turn your largest bill into rewards.
Bilt Mastercard® Obsidian$95/yr
The mid-tier card adds 3x on dining, 2x on travel, and a $100 annual Bilt travel hotel credit on top of fee-free rent earning. For renters who also spend on dining and travel.
Bilt Mastercard® Palladium$495/yr
The premium tier: a $400 travel hotel credit, annual Bilt cash, and 2x across everyday categories, plus the signature fee-free rent earning. Built for high-spending renters who travel.
Find your best card
Every card above earns differently depending on how you spend. Enter your numbers and see them all ranked by real dollar value — bonuses, fees, and point values included.
→ Run the CalculatorAdvertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with the issuer before applying.