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Looking for a newcard. Tell us roughly what you spend — exact amounts, or just answer a few quick questions — and we'll rank the cards that return the most value for you, rewards plus credits minus the fee.
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US cards only. Spend-based picks use US spending data and USD value math, so this tool ranks US cards. Browsing Canadian or UK cards? open the card explorer and filter by country.
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Rough FICO bands so we don't suggest a card you likely can't get yet; issuers vary.
Add any you keep status with — boosts co-brand cards and cards whose points transfer there.
Sapphire Reserve is your best pick: realize $2,695 in rewards + credits, pay $795 fee — net +$1,900/yr · keep.
- 1ChaseSapphire Reserve
Chase · ~$2,695 value · $795 fee · lounge access
net +$1,900worth it ⓘ - 2American ExpressAmex Platinum
American Express · ~$2,552 value · $895 fee · lounge access
net +$1,657worth it ⓘ - 3ChaseWorld of Hyatt Business
Chase · ~$1,829 value · $199 fee
net +$1,630worth it ⓘ - 4CitiCiti Strata Premier
Citi · ~$1,395 value · $95 fee
net +$1,300worth it ⓘ - 5CitiCiti Strata Elite
Citi · ~$1,879 value · $595 fee · lounge access
net +$1,284worth it ⓘ - 6ChaseSapphire Preferred
Chase · ~$1,318 value · $95 fee
net +$1,223worth it ⓘ - 7BarclaysWyndham Earner+
Barclays · ~$1,231 value · $75 fee
net +$1,156worth it ⓘ - 8CitiCiti AAdvantage Executive
Citi · ~$1,686 value · $595 fee · lounge access
net +$1,091worth it ⓘ - 9Capital OneVenture X
Capital One · ~$1,480 value · $395 fee · lounge access
net +$1,085worth it ⓘ - 10ChaseBritish Airways Visa
Chase · ~$1,168 value · $95 fee
net +$1,073worth it ⓘ - 11ChaseSapphire Reserve Business
Chase · ~$1,838 value · $795 fee · lounge access
net +$1,043worth it ⓘ - 12Capital OneVenture X Business
Capital One · ~$1,385 value · $395 fee · lounge access
net +$990worth it ⓘ - 13BarclaysJetBlue Plus
Barclays · ~$1,083 value · $99 fee
net +$984worth it ⓘ - 14ChaseWorld of Hyatt
Chase · ~$1,020 value · $95 fee
net +$925worth it ⓘ - 15Wells FargoChoice Privileges Select
Wells Fargo · ~$1,004 value · $95 fee
net +$909worth it ⓘ - 16ChaseIHG One Rewards Traveler
Chase · ~$890 value · no annual fee
net +$890worth it ⓘ - 17American ExpressAmex Gold
American Express · ~$1,212 value · $325 fee
net +$887worth it ⓘ - 18U.S. BankU.S. Bank Altitude Connect
U.S. Bank · ~$835 value · no annual fee · lounge access
net +$835worth it ⓘ - 19American ExpressHilton Surpass
American Express · ~$980 value · $150 fee
net +$830worth it ⓘ - 20American ExpressHilton Business
American Express · ~$1,022 value · $195 fee
net +$827worth it ⓘ - 21BarclaysWyndham Earner
Barclays · ~$820 value · no annual fee
net +$820worth it ⓘ - 22American ExpressHilton Aspire
American Express · ~$1,362 value · $550 fee · lounge access
net +$812worth it ⓘ - 23American ExpressAmex Business Plat
American Express · ~$1,681 value · $895 fee · lounge access
net +$786worth it ⓘ - 24ChaseFreedom Unlimited
Chase · ~$780 value · no annual fee
net +$780worth it ⓘ - 25RobinhoodRobinhood Gold
Robinhood · ~$780 value · no annual fee
net +$780worth it ⓘ - 26BarclaysFrontier Mastercard
Barclays · ~$873 value · $99 fee
net +$774worth it ⓘ - 27BarclaysJetBlue Card
Barclays · ~$754 value · no annual fee
net +$754worth it ⓘ - 28Capital OneCapital One Savor
Capital One · ~$740 value · no annual fee
net +$740worth it ⓘ - 29ChaseFreedom Flex
Chase · ~$740 value · no annual fee
net +$740worth it ⓘ - 30Capital OneVenture
Capital One · ~$795 value · $95 fee
net +$700worth it ⓘ - 31Capital OneVenture Business
Capital One · ~$795 value · $95 fee
net +$700worth it ⓘ - 32Wells FargoWF Autograph Journey
Wells Fargo · ~$788 value · $95 fee
net +$693worth it ⓘ - 33Capital OneQuicksilver
Capital One · ~$660 value · no annual fee
net +$660worth it ⓘ - 34ChaseAeroplan
Chase · ~$744 value · $95 fee
net +$649worth it ⓘ - 35ChaseSouthwest Performance Biz
Chase · ~$946 value · $299 fee
net +$647worth it ⓘ - 36Capital OneVentureOne
Capital One · ~$640 value · no annual fee
net +$640worth it ⓘ - 37ChaseMarriott Bonvoy Boundless
Chase · ~$720 value · $95 fee
net +$625worth it ⓘ - 38Capital OneQuicksilverOne
Capital One · ~$660 value · $39 fee
net +$621worth it ⓘ - 39CitiAAdvantage MileUp
Citi · ~$616 value · no annual fee
net +$616worth it ⓘ - 40American ExpressAmex Blue Cash Preferred
American Express · ~$700 value · $95 fee
net +$605worth it ⓘ - 41U.S. BankU.S. Bank Shopper
U.S. Bank · ~$700 value · $95 fee
net +$605worth it ⓘ - 42American ExpressHilton Honors
American Express · ~$590 value · no annual fee
net +$590worth it ⓘ - 43ChaseIHG One Rewards Premier
Chase · ~$685 value · $99 fee
net +$586worth it ⓘ - 44Navy FederalNavy Fed More Rewards
Navy Federal · ~$580 value · no annual fee
net +$580worth it ⓘ - 45Bank of AmericaAtmos Ascent Visa
Bank of America · ~$672 value · $95 fee
net +$577worth it ⓘ - 46American ExpressAmex Green
American Express · ~$726 value · $150 fee
net +$576worth it ⓘ - 47U.S. BankU.S. Bank Altitude Go
U.S. Bank · ~$554 value · no annual fee
net +$554worth it ⓘ - 48Capital OneSpark Cash Plus
Capital One · ~$700 value · $150 fee
net +$550worth it ⓘ - 49ChaseUnited Explorer
Chase · ~$642 value · $95 fee
net +$547worth it ⓘ - 50Wells FargoWF Attune
Wells Fargo · ~$540 value · no annual fee
net +$540worth it ⓘ - 51SoFiSoFi Card
SoFi · ~$540 value · no annual fee
net +$540worth it ⓘ - 52ChaseSouthwest Premier
Chase · ~$676 value · $149 fee
net +$527worth it ⓘ - 53ChaseUnited Business
Chase · ~$670 value · $150 fee
net +$520worth it ⓘ - 54CitiCostco Anywhere Visa
Citi · ~$520 value · no annual fee
net +$520worth it ⓘ - 55CitiAAdvantage Platinum Select
Citi · ~$616 value · $99 fee
net +$517worth it ⓘ - 56Bank of AmericaBofA Premium Rewards
Bank of America · ~$610 value · $95 fee
net +$515worth it ⓘ - 57ChaseUnited Quest
Chase · ~$856 value · $350 fee
net +$506worth it ⓘ - 58ChaseInk Business Premier
Chase · ~$700 value · $195 fee
net +$505worth it ⓘ - 59ChaseAer Lingus Visa
Chase · ~$598 value · $95 fee
net +$503worth it ⓘ - 60ChaseIHG Premier Business
Chase · ~$590 value · $99 fee
net +$491worth it ⓘ - 61American ExpressDelta Blue
American Express · ~$484 value · no annual fee
net +$484worth it ⓘ - 62ChaseInk Business Preferred
Chase · ~$575 value · $95 fee
net +$480worth it ⓘ - 63ChaseUnited Gateway
Chase · ~$480 value · no annual fee
net +$480worth it ⓘ - 64VenmoVenmo Card
Venmo · ~$480 value · no annual fee
net +$480worth it ⓘ - 65American ExpressDelta Gold Business
American Express · ~$621 value · $150 fee
net +$471worth it ⓘ - 66American ExpressMarriott Bonvoy Business
American Express · ~$588 value · $125 fee
net +$463worth it ⓘ - 67American ExpressBlue Cash Everyday
American Express · ~$460 value · no annual fee
net +$460worth it ⓘ - 68ChaseSouthwest Plus
Chase · ~$558 value · $99 fee
net +$459worth it ⓘ - 69PenFedPenFed Pathfinder
PenFed · ~$545 value · $95 fee · lounge access
net +$450worth it ⓘ - 70ChaseSouthwest Priority
Chase · ~$669 value · $229 fee
net +$440worth it ⓘ - 71CitiCitiBusiness AAdvantage
Citi · ~$532 value · $99 fee
net +$433worth it ⓘ - 72American ExpressDelta Platinum
American Express · ~$775 value · $350 fee
net +$425worth it ⓘ - 73American ExpressMarriott Bonvoy Bevy
American Express · ~$672 value · $250 fee
net +$422worth it ⓘ - 74Wells FargoWF Autograph
Wells Fargo · ~$420 value · no annual fee
net +$420worth it ⓘ - 75Bank of AmericaAtmos Summit Visa Infinite
Bank of America · ~$812 value · $395 fee · lounge access
net +$417worth it ⓘ - 76ChaseMarriott Bold
Chase · ~$416 value · no annual fee
net +$416worth it ⓘ - 77Bank of AmericaBofA Premium Rewards Elite
Bank of America · ~$962 value · $550 fee · lounge access
net +$412worth it ⓘ - 78ChaseDisney Premier Visa
Chase · ~$440 value · $49 fee
net +$391worth it ⓘ - 79American ExpressDelta Platinum Business
American Express · ~$740 value · $350 fee
net +$390worth it ⓘ - 80American ExpressBlue Business Plus
American Express · ~$380 value · no annual fee
net +$380worth it ⓘ - 81CitiCiti Double Cash
Citi · ~$380 value · no annual fee
net +$380worth it ⓘ - 82Wells FargoWF Active Cash
Wells Fargo · ~$380 value · no annual fee
net +$380worth it ⓘ - 83U.S. BankU.S. Bank Smartly
U.S. Bank · ~$380 value · no annual fee
net +$380worth it ⓘ - 84FidelityFidelity Rewards Visa
Fidelity · ~$380 value · no annual fee
net +$380worth it ⓘ - 85Bank of AmericaBofA Customized Cash
Bank of America · ~$360 value · no annual fee
net +$360worth it ⓘ - 86ChaseFreedom Rise
Chase · ~$358 value · no annual fee
net +$358worth it ⓘ - 87ChaseInk Business Unlimited
Chase · ~$340 value · no annual fee
net +$340worth it ⓘ - 88DiscoverDiscover it Miles
Discover · ~$340 value · no annual fee
net +$340worth it ⓘ - 89Bank of AmericaBofA Travel Rewards
Bank of America · ~$340 value · no annual fee
net +$340worth it ⓘ - 90Bank of AmericaBofA Unlimited Cash
Bank of America · ~$340 value · no annual fee
net +$340worth it ⓘ - 91PayPalPayPal Cashback
PayPal · ~$340 value · no annual fee
net +$340worth it ⓘ - 92American ExpressMarriott Bonvoy Brilliant
American Express · ~$984 value · $650 fee · lounge access
net +$334worth it ⓘ - 93ChaseInk Business Cash
Chase · ~$320 value · no annual fee
net +$320worth it ⓘ - 94ChaseAmazon Prime Visa
Chase · ~$320 value · no annual fee
net +$320worth it ⓘ - 95Bilt RewardsBilt Card
Bilt Rewards · ~$300 value · no annual fee
net +$300worth it ⓘ - 96CitiCiti Custom Cash
Citi · ~$300 value · no annual fee
net +$300worth it ⓘ - 97U.S. BankU.S. Bank Cash+
U.S. Bank · ~$300 value · no annual fee
net +$300worth it ⓘ - 98DiscoverDiscover it Cash Back
Discover · ~$300 value · no annual fee
net +$300worth it ⓘ - 99Citi (Home Depot)Home Depot Card
Citi (Home Depot) · ~$300 value · no annual fee
net +$300worth it ⓘ - 100American ExpressAmex Business Gold
American Express · ~$658 value · $375 fee
net +$283worth it ⓘ - 101American ExpressDelta Gold
American Express · ~$418 value · $150 fee
net +$268worth it ⓘ - 102First PREMIER BankFirst PREMIER Bankcard
First PREMIER Bank · ~$300 value · $49 fee
net +$251worth it ⓘ - 103Credit One BankCredit One Platinum Visa
Credit One Bank · ~$300 value · $99 fee
net +$201worth it ⓘ - 104ChaseUnited Club Infinite
Chase · ~$894 value · $695 fee · lounge access
net +$199worth it ⓘ - 105American ExpressDelta Reserve
American Express · ~$686 value · $650 fee · lounge access
net +$36worth it ⓘ - 106Priority PassPriority Pass
Priority Pass · ~$0 value · $469 fee · lounge access
net −$469below fee ⓘ
value uses each card's baseline point value; transferable points are often worth more.
How these numbers are calculated, and where every fact comes from: How we know this.