BEST CARDS · UPDATED MONTHLY

Best No-Annual-Fee Credit Cards (August 2026)

Every card on this page costs $0 to hold. We rank by each card’s single best earn category, because that’s how no-fee cards are best used: as specialists in a larger wallet, covering a category your premium card misses.

By Frank · Updated Aug 18, 2026 · 100 cards ranked

1 5x → ≈ 6.25% back

Full review →

Chase Ink Business Cash

Chase

Office Supply

Annual fee

Welcome bonus

100,000 UR Points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Office Supply	5x	6.25%
Internet / Cable / Phone	5x	6.25%
Gas	2x	2.5%
Dining	2x	2.5%
Everything else	1x	1.25%

Benefits · $2,365/yr face value

Credits (2)

$20 Monthly Instacart Credit $240 /monthly
Instacart+ Membership (3 Months) $25

Protections (4)

Cell Phone Protection $1,200 /yr
Extended Warranty Protection $500 /yr
Travel Benefits $300 /yr
Purchase Protection $100 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

2 4x → ≈ 6% back

US Bank Altitude Connect

U.S. Bank

Travel

Annual fee

Welcome bonus

20,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	4x	6%
Gas	4x	6%
EV Charging	4x	6%
Dining	2x	3%
Streaming	2x	3%
Groceries	2x	3%
Everything else	1x	1.5%

Benefits · $130/yr face value

Credits (2)

$100 Global Entry or TSA PreCheck Fee Credit $100 /yr
$30 Streaming Credit $30 /yr

Status & Elite Perks (1)

Priority Pass Select Membership

Protections (1)

Travel Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

3 4x → ≈ 6% back

US Bank Altitude Go

U.S. Bank

Dining

Annual fee

Welcome bonus

20,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	4x	6%
Groceries	2x	3%
Streaming	2x	3%
Gas	2x	3%
EV Charging	2x	3%
Everything else	1x	1.5%

Benefits · $615/yr face value

Credits (1)

$15 Annual Streaming Credit $15 /yr

Protections (1)

Cell Phone Protection $600 /yr

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

4 5% back

AAA Daily Advantage Visa

Bread Financial

Groceries

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	5%	5%
Gas	3%	3%
Wholesale Clubs	3%	3%
Streaming	3%	3%
Drugstores	3%	3%
Everything else	1%	1%

5 5% back

Amazon Business Prime Card

American Express

Amazon

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Dining	2%	2%
Gas	2%	2%
Internet / Cable / Phone	2%	2%
Everything else	1%	1%

6 5% back

Amazon Prime Store Card

Synchrony Bank

Amazon

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Everything else	0%	0%

7 5% back

Barclays Athleta

Barclays

Gap Brands

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gap Brands	5%	5%
Everything else	1%	1%

Benefits · $50/yr face value

Credits (1)

Free Fast Shipping $50 /yr

Status & Elite Perks (1)

Early Access to Sales

Other (3)

Members Only Exclusive Offers
Donate Rewards to Charity
Complimentary FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

8 5% back

Full review →

Chase Freedom Flex

Chase

Gas

Annual fee

Welcome bonus

$200 Cash Bonus

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5%	5%
Transit	5%	5%
EV Charging	5%	5%
Entertainment	5%	5%
Drugstores	3%	3%
Dining	3%	3%
Everything else	1%	1%

9 5% back

Chase Prime Visa

Chase

Amazon

Annual fee

Welcome bonus

$150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	5%	5%
Whole Foods	5%	5%
Dining	2%	2%
Gas	2%	2%
Transit	2%	2%
Everything else	1%	1%

Benefits · $200/yr face value

Status & Elite Perks (1)

Roadside Assistance

Protections (7)

Baggage Delay Insurance $100 /yr
Purchase Protection $50 /yr
Lost Luggage Reimbursement $50 /yr
Extended Warranty Protection
Auto Rental Coverage
Travel Accident Insurance
Zero Liability Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

10 5% back

Citi Costco Anywhere

Citi

Gas Costco

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas Costco	5%	5%
Gas	4%	4%
EV Charging	4%	4%
Travel	3%	3%
Dining	3%	3%
Costco	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Annual Credit Card Reward Certificate

Status & Elite Perks (1)

Citi Entertainment Access

Protections (3)

Worldwide Car Rental Insurance
Travel Accident Insurance
Damage and Theft Purchase Protection

Other (3)

Travel and Emergency Assistance
Roadside Assistance Dispatch Service
Citi Concierge Service

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

Show all 100 cards ranked for no annual fee · ranked #11–#100

11 5% back

Citi Dividend

Citi

Gas

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5%	5%
Home Improvement	5%	5%
Everything else	1%	1%

12 5% back

Discover it

Discover

Flights

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	5%	5%
Gas	5%	5%
Drugstores	5%	5%
Transit	5%	5%
EV Charging	5%	5%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Freeze it Feature
Online Privacy Protection
Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

13 5% back

Full review →

Discover it Student

Discover

Flights

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	5%	5%
Gas	5%	5%
Drugstores	5%	5%
Transit	5%	5%
EV Charging	5%	5%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Freeze it On/Off Switch
Online Privacy Protection
Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

14 5% back

Discover More

Discover

Flights

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	5%	5%
Gas	5%	5%
Drugstores	5%	5%
Transit	5%	5%
EV Charging	5%	5%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Freeze it Feature
Online Privacy Protection
Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

15 25x → ≈ 5% back

Gap Encore Mastercard

Barclays

Gap Brands

25x

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gap Brands	25x	5%
Clothing	15x	3%
Everything else	5x	1%

Benefits · $105/yr face value

Credits (2)

Choose-Your-Own Sale Day $20 /yr
Birthday Gift $10 /yr

Status & Elite Perks (3)

Free Standard Shipping $50 /yr
Free Basic Alterations $25 /yr
Early Access to Collections & Drops

Other (3)

60-Day Extended Returns
Encore Market Access
Complimentary FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

16 5% back Instacart only

Instacart Mastercard

Chase

Instacart

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Instacart	5%	5%
Dining	2%	2%
Gas	2%	2%
Streaming	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Status & Elite Perks (1)

World Elite Concierge

Protections (4)

Purchase Protection
Extended Warranty Protection
Auto Rental Coverage
Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

17 5% back

Kroger Rewards World Elite Mastercard

U.S. Bank

Mobile Wallet

Annual fee

Welcome bonus

$100 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Mobile Wallet	5%	5%
Kroger Pay	5%	5%
Kroger	2%	2%
Everything else	1%	1%

Benefits · $69/yr face value

Credits (1)

Free Boost Essential Membership $69

Protections (1)

Mastercard ID Theft Protection

Other (1)

Lowest Hotel Rate Guarantee

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

18 5% back

Macy's American Express Card

Citi

Macys

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Macys	5%	5%
Dining	3%	3%
Gas	2%	2%
Groceries	2%	2%
Everything else	1%	1%

19 5% back

My Best Buy Visa

Citi

Bestbuy

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Bestbuy	5%	5%
Gas	3%	3%
Dining	2%	2%
Groceries	2%	2%
Everything else	1%	1%

20 5% back

Samsung Galaxy Card

Barclays

Samsung

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Samsung	5%	5%
Samsung Wallet	3%	3%
Streaming	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Other (1)

20% Samsung VIP Advantage Discount

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

21 5% back

Target Circle Card

TD Bank USA

Target

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Target	5%	5%
Everything else	0%	0%

Benefits · $50/yr face value

Status & Elite Perks (1)

Free 2-Day Shipping $50 /yr

Other (2)

30-Day Extended Returns
5% Off In-Store Starbucks

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

22 5% back

Target Circle Card Mastercard

TD Bank USA

Target

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Target	5%	5%
Dining	2%	2%
Gas	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Status & Elite Perks (1)

Free 2-Day Shipping $50 /yr

Other (2)

30-Day Extended Returns
5% Off In-Store Starbucks

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

23 5x → ≈ 4.25% back

PenFed Platinum Rewards

PenFed Credit Union

Gas

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5x	4.25%
Groceries	3x	2.55%
Dining	3x	2.55%
Streaming	3x	2.55%
Everything else	1x	0.85%

24 3x → ≈ 4.2% back JetBlue flights only

Barclays JetBlue

Barclays

JetBlue

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	3x	4.2%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $50/yr face value

Credits (1)

50% Inflight Purchase Savings $50 /yr

Status & Elite Perks (1)

Mosaic Status Acceleration

Other (3)

Points Payback
No Blackout Dates
Points Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

25 3x → ≈ 4.2% back

Chase Freedom Unlimited

Chase

Drugstores

Annual fee

Welcome bonus

$250 Cash Bonus

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Drugstores	3x	4.2%
Dining	3x	4.2%
Everything else	1.5x	2.2%

Benefits · $100/yr face value

Credits (2)

6 Months Free DashPass $60 /yr
$40 Annual DoorDash Credits $40 /quarterly

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

26 4% back DoorDash only

DoorDash Rewards Mastercard

Chase

DoorDash

Annual fee

Welcome bonus

Complimentary year of DashPass

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
DoorDash	4%	4%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $302/yr face value

Credits (3)

Annual DashPass with $10K Spend $96 /yr
Complimentary DashPass (First Year) $96
$5 Monthly Lyft Credit $60 /monthly

Protections (5)

Cell Phone Protection $50 /yr
Auto Rental Collision Damage Waiver
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

27 4% back

PNC Cash Rewards

PNC Bank

Gas

Annual fee

Welcome bonus

$200 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	4%	4%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

28 4% back

Rakuten American Express Card

American Express

Rakuten

Annual fee

Welcome bonus

$200 cash back

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Rakuten	4%	4%
Groceries	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (2)

Purchase Protection $50 /yr
Extended Warranty

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

29 4% back

Verizon Visa Card

Synchrony Bank

Groceries

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	4%	4%
Gas	4%	4%
Dining	4%	4%
Verizon	4%	4%
Everything else	1%	1%

Benefits · $0/yr face value

Other (2)

Verizon Dollars No Expiration
Visa Signature Benefits

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

30 3x → ≈ 3.75% back

Bilt Mastercard(Legacy)

Wells Fargo

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	3.75%
Travel	2x	2.5%
Everything else	1x	1.25%
Rent	1x	1.25%

31 3% back

Amex Blue Cash Everyday

American Express

Groceries

Annual fee

Welcome bonus

$200

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
Retail Online	3%	3%
Everything else	1%	1%

Benefits · $264/yr face value

Credits (2)

$15 Monthly Home Chef Credit $180 /monthly
$7 Monthly Disney Bundle Credit $84 /monthly

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

32 3% back

Apple Card

Goldman Sachs

Apple

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Apple	3%	3%
Apple Pay	2%	2%
Everything else	1%	1%

Benefits · $60/yr face value

Credits (1)

6-Month Uber One Free Trial $59.94 /monthly

Other (4)

Apple Card Family
Apple Card Monthly Installments
High-Yield Savings Account
Booking.com Travel Credits

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

33 3% back

Barclays View Mastercard

Barclays

Dining

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	2%	2%
Streaming	2%	2%
Internet / Cable / Phone	2%	2%
Everything else	1%	1%

34 3% back

Capital One Savor

Capital One

Groceries

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Dining	3%	3%
Entertainment	3%	3%
Streaming	3%	3%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (2)

Capital One Entertainment Access
Capital One Travel Enhanced Earning

Status & Elite Perks (1)

Capital One Dining Access

Protections (2)

Extended Warranty
Travel Accident Insurance

Other (5)

50% off Handcrafted Beverages
No Foreign Transaction Fees
Complimentary Concierge Service
CreditWise Credit Monitoring
Virtual Card Numbers

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

35 3% back

Chase Amazon Visa

Chase

Amazon

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Amazon	3%	3%
Whole Foods	3%	3%
Gas	2%	2%
Transit	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $503,600/yr face value

Protections (7)

Travel Accident Insurance $500,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $100 /yr
Extended Warranty Protection
Auto Rental Coverage
Zero Liability Protection

Other (1)

Contactless Payment

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

36 5x → ≈ 3% back Choice stays only

Choice Privileges Mastercard

Wells Fargo

Choice Hotels

Annual fee

Welcome bonus

60,000 bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Choice Hotels	5x	3%
Gas	3x	1.8%
Groceries	3x	1.8%
Home Improvement	3x	1.8%
Internet / Cable / Phone	3x	1.8%
Everything else	1x	0.6%

Benefits · $0/yr face value

Status & Elite Perks (1)

Choice Privileges Gold Status

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

37 3% back

Citi Strata

Citi

Groceries

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
EV Charging	3%	3%
Transit	3%	3%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Status & Elite Perks (1)

Mastercard ID Theft Protection

Other (1)

ThankYou Points Transfer

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

38 3% back MGM stays only

MGM Rewards World Elite

First National Bank of Omaha

Mgm Resorts

Annual fee

Welcome bonus

Earn 10,000 MGM Rewards bonus points

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Mgm Resorts	3%	3%
Gas	2%	2%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Status & Elite Perks (1)

MGM Pearl Elite Status $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

39 3% back

Navy Federal More Rewards Amex

Navy Federal Credit Union

Groceries

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	3%	3%
Gas	3%	3%
Transit	3%	3%
Dining	3%	3%
Everything else	1%	1%

40 3% back

Paypal Credit Card

Synchrony Bank

Paypal

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Paypal	3%	3%
Everything else	1.5%	1.5%

41 3% back

SoFi Essential

The Bank of Missouri

Sofi Travel

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Sofi Travel	3%	3%
Everything else	0%	0%

42 3% back

SoFi Everyday Cash Rewards

The Bank of Missouri

Sofi Travel

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Sofi Travel	3%	3%
Dining	3%	3%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

43 3% back

US Bank Business Triple Cash Rewards Visa

U.S. Bank

Gas

Annual fee

Welcome bonus

$750 cash back

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	3%	3%
Office Supply	3%	3%
Internet / Cable / Phone	3%	3%
Dining	3%	3%
Everything else	1%	1%

Benefits · $250/yr face value

Credits (1)

$100 Annual Software Subscription Credit $100 /yr

Protections (2)

Cell Phone Protection $100 /yr
Purchase Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

44 3% back

Venmo Credit Card

Synchrony Bank

Dining

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	1%	1%

Benefits · $145/yr face value

Protections (3)

Auto Rental Collision Damage Waiver $75 /yr
Cell Phone Protection $50 /yr
Lost Luggage Reimbursement $20 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

45 3% back

Wells Fargo Autograph Card

Wells Fargo

EV Charging

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
EV Charging	3%	3%
Gas	3%	3%
Travel	3%	3%
Internet / Cable / Phone	3%	3%
Transit	3%	3%
Dining	3%	3%
Streaming	3%	3%
Everything else	1%	1%

46 3% back

Wells Fargo One Key+ Card

Wells Fargo

Dining

Annual fee

$99

Welcome bonus

$350 in OneKeyCash

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3%	3%
Groceries	3%	3%
Gas	3%	3%
Everything else	2%	2%

Benefits · $220/yr face value

Credits (2)

Global Entry/TSA PreCheck Credit $120
$100 Anniversary OneKeyCash Bonus $100 /yr

Status & Elite Perks (1)

One Key Gold Status

Protections (4)

Cell Phone Protection
Auto Rental Collision Damage Waiver
Trip Cancellation/Interruption Insurance
Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

47 2x → ≈ 2.8% back

Amex EveryDay

American Express

Groceries

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $100/yr face value

Credits (1)

Welcome Bonus $100

Other (2)

20% Points Bonus
0% Intro APR

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

48 7x → ≈ 2.8% back Hilton stays only

Amex Hilton Express

American Express

Hilton

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	7x	2.8%
Groceries	5x	2%
Dining	5x	2%
Gas	5x	2%
Everything else	3x	1.2%

Benefits · $10/yr face value

Status & Elite Perks (1)

Hilton Honors Silver Status $10 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

49 2x → ≈ 2.6% back United flights only

Chase United Gateway

Chase

United

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
United	2x	2.6%
Gas	2x	2.6%
Transit	2x	2.6%
Everything else	1x	1.3%

Benefits · $0/yr face value

Status & Elite Perks (2)

25% Back on United Inflight and Club Premium Drink Purchases
First 2 Checked Bags free

Protections (5)

Auto Rental Coverage
Extended Warranty Protection
Purchase Protection
Trip Cancellation and Interruption Insurance
Visa Concierge Service

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

50 5x → ≈ 2.5% back

Barclays Wyndham Earner

Barclays

Gas

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	5x	2.5%
Dining	2x	1%
Groceries	2x	1%
Everything else	1x	0.5%

Benefits · $250/yr face value

Credits (2)

Welcome Bonus $200
Anniversary Bonus $50 /yr

Status & Elite Perks (1)

Wyndham Rewards Gold Status

Protections (1)

$0 Fraud Liability Protection

Other (3)

Earn Free Nights Faster
Cardmember Booking Discount
0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

51 5x → ≈ 2.5% back IHG stays only

Chase IHG Traveler

Chase

IHG

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
IHG	5x	2.5%
Dining	3x	1.5%
Gas	3x	1.5%
Internet / Cable / Phone	3x	1.5%
Streaming	3x	1.5%
Everything else	2x	1%

Benefits · $23,800/yr face value

Credits (2)

Annual Spend Bonus $10,000 /yr
Redeem 3 Nights Get 4th Free

Status & Elite Perks (2)

Automatic Silver Elite Status
Gold Elite Status Upgrade

Protections (4)

Trip Cancellation and Interruption Insurance $10,000 /yr
Lost Luggage Reimbursement $3,000 /yr
Purchase Protection $500 /yr
Baggage Delay Insurance $300 /yr

Other (2)

Points Purchase Discount
Early Access Reward Night Sales

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

52 2x → ≈ 2.4% back Delta flights only

Amex Delta Blue

American Express

Delta

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	2x	2.4%
Dining	2x	2.4%
Everything else	1x	1.2%

53 3x → ≈ 2.1% back Marriott stays only

Chase Marriott Bonvoy Bold

Chase

Marriott

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	3x	2.1%
DoorDash	2x	1.4%
Groceries	2x	1.4%
Internet / Cable / Phone	2x	1.4%
Transit	2x	1.4%
Streaming	2x	1.4%
Everything else	1x	0.7%

Benefits · $910/yr face value

Credits (3)

Pay Yourself Back $750 /yr
Complimentary DashPass $120 /yr
Earn Up to $10 Off Quarterly on DoorDash Non-Restaurant Orders $40 /quarterly

Status & Elite Perks (2)

5 Elite Night Credits
Automatic Silver Elite Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

54 2% back American flights only

AA AAdvantage MileUp

Citi

American

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
American	2%	2%
Groceries	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (2)

Inflight Food Beverage Discount
American Airlines Vacations Discount

Other (1)

Miles Redemption Discount

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

55 2% back

Barclays Carnival

Barclays

Carnival Cruise

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Carnival Cruise	2%	2%
Everything else	1%	1%

Benefits · $100/yr face value

Credits (3)

10% Shore Excursions Discount $100 /yr
Interest-Free Financing
Balance Transfer Intro APR

Protections (1)

Travel Insurance Coverage

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

56 2% back

BoA Customized Cash Rewards

Bank of America

Groceries

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	2%	2%
Everything else	1%	1%

57 2% back

Chase Freedom Rise

Chase

Lyft

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Lyft	2%	2%
Everything else	1.5%	1.5%

Benefits · $185/yr face value

Credits (3)

DashPass Complimentary Membership $120 /yr
DoorDash Quarterly Discount $40 /quarterly
Automatic Payments Bonus $25

Protections (3)

Purchase Protection
Extended Warranty Protection
Trip Cancellation and Interruption Insurance

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

58 2% back

Citi ThankYou Preferred

Citi

Dining

Annual fee

Welcome bonus

Earn 15,000 ThankYou Points after spending $1,000 in first 3 months

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	2%	2%
Entertainment	2%	2%
Everything else	1%	1%

Benefits · $100/yr face value

Protections (2)

Extended Warranty $50 /yr
Damage & Theft Purchase Protection $50 /yr

Other (1)

Citi Private Pass

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

59 2% back

Discover it Chrome

Discover

Gas

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Unlimited Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (2)

Online Privacy Protection
Free FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

60 2% back

Discover it Secured

Discover

Gas

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Free Social Security Number Alerts
Freeze it Feature
Online Privacy Protection

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

61 2% back

Discover it Student Chrome

Discover

Gas

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Gas	2%	2%
Dining	2%	2%
Everything else	1%	1%

Benefits · $0/yr face value

Credits (1)

Unlimited Cashback Match

Protections (1)

$0 Fraud Liability Guarantee

Other (4)

Free FICO Credit Score
Freeze it On/Off Switch
Online Privacy Protection
Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

62 2% back

Nordstrom Visa Credit Card

TD Bank USA

Nordstrom

Annual fee

Welcome bonus

$40 Bonus Note when you use your card the day you are approved

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Nordstrom	2%	2%
Dining	2%	2%
Groceries	2%	2%
Gas	2%	2%
EV Charging	2%	2%
Streaming	2%	2%
Everything else	1%	1%

Benefits · $230/yr face value

Status & Elite Perks (1)

Anniversary Sale Early Access $100 /yr

Protections (4)

Extended Warranty Protection $25 /yr
Purchase Security $25 /yr
Lost or Damaged Luggage Insurance $25 /yr
Travel Accident Insurance $5 /yr

Other (2)

Complimentary Alterations $50 /yr
5% Off at Nordstrom Rack

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

63 2% back

US Bank Cash+

U.S. Bank

Groceries

Annual fee

Welcome bonus

$200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days

All earn rates & benefits

Earn rates

Category	Rate	True value
Groceries	2%	2%
Everything else	1%	1%

64 1x → ≈ 1.25% back

Bilt Blue Card

First Electronic Bank

Rent

Annual fee

Welcome bonus

$100 of Bilt Cash when you apply and get approved

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Rent	1x	1.25%
Everything else	1x	1.25%

Benefits · $130/yr face value

Protections (3)

Cell Phone Protection $50 /yr
Purchase Assurance $50 /yr
MasterRental Coverage $30 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

65 1% back

Amex Blue Business Cash

American Express

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $0/yr face value

Other (1)

Expanded Buying Power

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

66 1% back

Amex Blue Business Plus

American Express

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2x	2.8%

Benefits · $0/yr face value

Other (1)

Expanded Buying Power

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

67 1% back

Amex Cash Magnet

American Express

Everything else

Annual fee

Welcome bonus

$200 statement credit

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

Benefits · $100/yr face value

Status & Elite Perks (2)

Global Assist Hotline
Plan It®

Protections (2)

Purchase Protection $50 /yr
Car Rental Loss & Damage Insurance $50 /yr

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

68 1% back

Amex Schwab Investor

American Express

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

69 1% back

BankAmericard

Bank of America

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $0/yr face value

Other (4)

0% Intro APR on Balance Transfers
No Penalty APR
Free FICO Score Access
0% Intro APR on Purchases

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

70 1% back

BoA Business Advantage Unlimited Cash Rewards

Bank of America

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

Benefits · $0/yr face value

Other (2)

Preferred Rewards for Business Bonus
Cash Rewards No Expiration

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

71 1% back

BoA Travel Rewards

Bank of America

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

72 1% back

BoA Unlimited Cash Rewards

Bank of America

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

73 1% back

Capital One Platinum

Capital One

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

74 1% back

Capital One QuickSilver

Capital One

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

75 1% back

Capital One VentureOne Rewards

Capital One

Everything else

Annual fee

Welcome bonus

40,000 miles

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.25x	2.125%

Benefits · $350/yr face value

Credits (1)

Capital One Travel Price Drop Protection $150 /yr

Protections (2)

Travel Accident Insurance $100 /yr
Extended Warranty $100 /yr

Other (5)

No Foreign Transaction Fees
24/7 Travel Assistance Services
Complimentary Concierge Service
Virtual Card Numbers
CreditWise Credit Monitoring

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

76 1% back

Chase Disney Visa Card

Chase

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1x	0.5%

Benefits · $40/yr face value

Credits (1)

DoorDash Quarterly Discount $40 /quarterly

Protections (2)

Purchase Protection
Extended Warranty Protection

Other (7)

Disney Store 10% Discount
Disney Parks Merchandise 10% Discount
Disney Parks Dining 10% Discount
Disney Vacation Financing
Disney Guided Tours 15% Discount
Disney Cardmember Photo Opportunities
DashPass Complimentary

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

77 1% back

Chase Freedom Student

Chase

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1%	1%

Benefits · $20/yr face value

Credits (1)

$20 Good Standing Reward $20 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

78 1% back

Chase Ink Business Unlimited

Chase

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5x	2.25%

Benefits · $265/yr face value

Credits (2)

$20 Monthly Instacart Credit $240 /monthly
Instacart+ Membership (3 Months) $25

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

79 1% back

Chase Slate Edge

Chase

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $210/yr face value

Credits (1)

6-Month Complimentary DashPass $60

Protections (3)

Auto Rental Collision Damage Waiver $50 /yr
Purchase Protection $50 /yr
Extended Warranty Protection $50 /yr

Other (3)

Automatic Credit Line Increase
Zero Liability Protection
Chase Credit Journey

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

80 1% back

Citi Custom Cash

Citi

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1%	1%

81 1% back

Citi Double Cash

Citi

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

82 1% back

Coinbase One Card

First Electronic Bank

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	4%	4%

Benefits · $120/yr face value

Credits (1)

$10 Monthly Base Gas Credit $120 /monthly

Protections (1)

Crypto Protection

Other (3)

Zero Trading Fees
USDC APY Earnings
Roadside Assistance

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

83 1% back

Discover it Miles

Discover

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

Benefits · $0/yr face value

Credits (1)

Unlimited Mile-for-Mile Match

Protections (1)

$0 Fraud Liability Guarantee

Other (2)

Free FICO Credit Score
Online Privacy Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

84 1% back

Fidelity Rewards Visa

Fidelity

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $100/yr face value

Credits (1)

Global Entry/TSA PreCheck Credit $100 /yr

Protections (3)

Auto Rental Collision Damage Waiver
Purchase Security
Lost Luggage Reimbursement

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

85 1% back

Navy Federal cashRewards Credit Card

Navy Federal Credit Union

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

Benefits · $50/yr face value

Credits (1)

1.99% Intro APR on Balance Transfers

Protections (1)

Auto Rental Collision Damage Waiver $50 /yr

Other (6)

No Foreign Transaction Fees
No Balance Transfer Fee
No Cash Advance Fee at Navy Federal
Zero Liability Protection
24/7 U.S.-based Member Service
Rewards Never Expire

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

86 1% back

Navy Federal cashRewards Plus Credit Card

Navy Federal Credit Union

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $50/yr face value

Credits (1)

1.99% Intro APR on Balance Transfers

Protections (1)

Auto Rental Collision Damage Waiver $50 /yr

Other (6)

No Foreign Transaction Fees
No Balance Transfer Fee
No Cash Advance Fee at Navy Federal
Zero Liability Protection
24/7 U.S.-based Member Service
Rewards Never Expire

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

87 1% back

Navy Federal cashRewards Secured

Navy Federal Credit Union

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1%	1%

Benefits · $0/yr face value

Other (7)

Credit Building
Security Deposit Requirement
No Foreign Transaction Fees
Zero Liability Protection
24/7 U.S.-based Member Service
Rewards Never Expire
Free Credit Score Access

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

88 1% back

PayPal Debit Card

PayPal

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $50/yr face value

Protections (1)

Purchase Protection $50 /yr

Other (2)

Free MoneyPass ATM Withdrawals
Early Direct Deposit

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

89 1% back

PenFed Gold Visa

PenFed Credit Union

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

90 1% back

PenFed Power Cash Rewards

PenFed Credit Union

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

91 1% back

PNC Cash Unlimited

PNC Bank

Everything else

Annual fee

Welcome bonus

$250 cash back

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

92 1% back

PNC Secured

PNC Bank

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

93 1% back

PNC Spend Wise

PNC Bank

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $135/yr face value

Credits (1)

$25 Digital Subscription Credit $25 /yr

Protections (3)

Cell Phone Protection $50 /yr
Price Protection $30 /yr
Porch Piracy Protection $30 /yr

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

94 1% back

Full review →

Robinhood Gold Card

Robinhood Credit

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	3%	3%

Benefits · $1,260/yr face value

Credits (1)

1% IRA Match $200 /yr

Status & Elite Perks (1)

Robinhood Gold Membership $60 /yr

Protections (1)

Cell Phone Protection $1,000 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

95 1% back

SoFi Unlimited 2%

The Bank of Missouri

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $50/yr face value

Protections (1)

Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

96 1% back

TD Cash Credit Card

TD Bank USA

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1%	1%

97 1% back

US Bank Shield Visa

U.S. Bank

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	0%	0%

Benefits · $120/yr face value

Credits (1)

$20 Annual Statement Credit $20 /yr

Protections (1)

Cell Phone Protection $100 /yr

Other (1)

Complimentary Credit Score

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

98 1% back

US Bank Smartly

U.S. Bank

Everything else

Annual fee

Benefits

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

Benefits · $0/yr face value

Status & Elite Perks (1)

Visa Signature Benefits

Other (3)

0% Intro APR on Purchases
0% Intro APR on Balance Transfers
ExtendPay Plans

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

99 1% back

USAA Preferred Cash Rewards

USAA

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1.5%	1.5%

100 1% back

Wells Fargo Active Cash

Wells Fargo

Everything else

Annual fee

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2%	2%

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

Can a no-fee card really beat a premium card?

In a single category, often yes — several $0 cards on this list out-earn $400+ cards in their specialty. What they lack is the benefit stack: no credits, no lounge access, thinner protections.