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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 ⓘ - 3CitiCiti Strata Premier
Citi · ~$1,395 value · $95 fee
net +$1,300worth it ⓘ - 4CitiCiti Strata Elite
Citi · ~$1,879 value · $595 fee · lounge access
net +$1,284worth it ⓘ - 5ChaseSapphire Preferred
Chase · ~$1,318 value · $95 fee
net +$1,223worth it ⓘ - 6BarclaysWyndham Earner+
Barclays · ~$1,231 value · $75 fee
net +$1,156worth it ⓘ - 7CitiCiti AAdvantage Executive
Citi · ~$1,686 value · $595 fee · lounge access
net +$1,091worth it ⓘ - 8Capital OneVenture X
Capital One · ~$1,480 value · $395 fee · lounge access
net +$1,085worth it ⓘ - 9ChaseBritish Airways Visa
Chase · ~$1,168 value · $95 fee
net +$1,073worth it ⓘ - 10BarclaysJetBlue Plus
Barclays · ~$1,083 value · $99 fee
net +$984worth it ⓘ - 11ChaseWorld of Hyatt
Chase · ~$1,020 value · $95 fee
net +$925worth it ⓘ - 12Wells FargoChoice Privileges Select
Wells Fargo · ~$1,004 value · $95 fee
net +$909worth it ⓘ - 13ChaseIHG One Rewards Traveler
Chase · ~$890 value · no annual fee
net +$890worth it ⓘ - 14American ExpressAmex Gold
American Express · ~$1,212 value · $325 fee
net +$887worth it ⓘ - 15U.S. BankU.S. Bank Altitude Connect
U.S. Bank · ~$835 value · no annual fee · lounge access
net +$835worth it ⓘ - 16American ExpressHilton Surpass
American Express · ~$980 value · $150 fee
net +$830worth it ⓘ - 17BarclaysWyndham Earner
Barclays · ~$820 value · no annual fee
net +$820worth it ⓘ - 18American ExpressHilton Aspire
American Express · ~$1,362 value · $550 fee · lounge access
net +$812worth it ⓘ - 19ChaseFreedom Unlimited
Chase · ~$780 value · no annual fee
net +$780worth it ⓘ - 20RobinhoodRobinhood Gold
Robinhood · ~$780 value · no annual fee
net +$780worth it ⓘ - 21BarclaysFrontier Mastercard
Barclays · ~$873 value · $99 fee
net +$774worth it ⓘ - 22BarclaysJetBlue Card
Barclays · ~$754 value · no annual fee
net +$754worth it ⓘ - 23Capital OneCapital One Savor
Capital One · ~$740 value · no annual fee
net +$740worth it ⓘ - 24ChaseFreedom Flex
Chase · ~$740 value · no annual fee
net +$740worth it ⓘ - 25Capital OneVenture
Capital One · ~$795 value · $95 fee
net +$700worth it ⓘ - 26Wells FargoWF Autograph Journey
Wells Fargo · ~$788 value · $95 fee
net +$693worth it ⓘ - 27Capital OneQuicksilver
Capital One · ~$660 value · no annual fee
net +$660worth it ⓘ - 28ChaseAeroplan
Chase · ~$744 value · $95 fee
net +$649worth it ⓘ - 29Capital OneVentureOne
Capital One · ~$640 value · no annual fee
net +$640worth it ⓘ - 30ChaseMarriott Bonvoy Boundless
Chase · ~$720 value · $95 fee
net +$625worth it ⓘ - 31Capital OneQuicksilverOne
Capital One · ~$660 value · $39 fee
net +$621worth it ⓘ - 32CitiAAdvantage MileUp
Citi · ~$616 value · no annual fee
net +$616worth it ⓘ - 33American ExpressAmex Blue Cash Preferred
American Express · ~$700 value · $95 fee
net +$605worth it ⓘ - 34U.S. BankU.S. Bank Shopper
U.S. Bank · ~$700 value · $95 fee
net +$605worth it ⓘ - 35American ExpressHilton Honors
American Express · ~$590 value · no annual fee
net +$590worth it ⓘ - 36ChaseIHG One Rewards Premier
Chase · ~$685 value · $99 fee
net +$586worth it ⓘ - 37Navy FederalNavy Fed More Rewards
Navy Federal · ~$580 value · no annual fee
net +$580worth it ⓘ - 38Bank of AmericaAtmos Ascent Visa
Bank of America · ~$672 value · $95 fee
net +$577worth it ⓘ - 39American ExpressAmex Green
American Express · ~$726 value · $150 fee
net +$576worth it ⓘ - 40U.S. BankU.S. Bank Altitude Go
U.S. Bank · ~$554 value · no annual fee
net +$554worth it ⓘ - 41ChaseUnited Explorer
Chase · ~$642 value · $95 fee
net +$547worth it ⓘ - 42Wells FargoWF Attune
Wells Fargo · ~$540 value · no annual fee
net +$540worth it ⓘ - 43SoFiSoFi Card
SoFi · ~$540 value · no annual fee
net +$540worth it ⓘ - 44ChaseSouthwest Premier
Chase · ~$676 value · $149 fee
net +$527worth it ⓘ - 45CitiCostco Anywhere Visa
Citi · ~$520 value · no annual fee
net +$520worth it ⓘ - 46CitiAAdvantage Platinum Select
Citi · ~$616 value · $99 fee
net +$517worth it ⓘ - 47Bank of AmericaBofA Premium Rewards
Bank of America · ~$610 value · $95 fee
net +$515worth it ⓘ - 48ChaseUnited Quest
Chase · ~$856 value · $350 fee
net +$506worth it ⓘ - 49ChaseAer Lingus Visa
Chase · ~$598 value · $95 fee
net +$503worth it ⓘ - 50American ExpressDelta Blue
American Express · ~$484 value · no annual fee
net +$484worth it ⓘ - 51ChaseUnited Gateway
Chase · ~$480 value · no annual fee
net +$480worth it ⓘ - 52VenmoVenmo Card
Venmo · ~$480 value · no annual fee
net +$480worth it ⓘ - 53American ExpressBlue Cash Everyday
American Express · ~$460 value · no annual fee
net +$460worth it ⓘ - 54BarclaysSamsung Galaxy
Barclays · ~$460 value · no annual fee
net +$460worth it ⓘ - 55ChaseSouthwest Plus
Chase · ~$558 value · $99 fee
net +$459worth it ⓘ - 56PenFedPenFed Pathfinder
PenFed · ~$545 value · $95 fee · lounge access
net +$450worth it ⓘ - 57ChaseSouthwest Priority
Chase · ~$669 value · $229 fee
net +$440worth it ⓘ - 58American ExpressDelta Platinum
American Express · ~$775 value · $350 fee
net +$425worth it ⓘ - 59American ExpressMarriott Bonvoy Bevy
American Express · ~$672 value · $250 fee
net +$422worth it ⓘ - 60Wells FargoWF Autograph
Wells Fargo · ~$420 value · no annual fee
net +$420worth it ⓘ - 61Bank of AmericaAtmos Summit Visa Infinite
Bank of America · ~$812 value · $395 fee · lounge access
net +$417worth it ⓘ - 62ChaseMarriott Bold
Chase · ~$416 value · no annual fee
net +$416worth it ⓘ - 63Bank of AmericaBofA Premium Rewards Elite
Bank of America · ~$962 value · $550 fee · lounge access
net +$412worth it ⓘ - 64ChaseDisney Premier Visa
Chase · ~$440 value · $49 fee
net +$391worth it ⓘ - 65CitiCiti Double Cash
Citi · ~$380 value · no annual fee
net +$380worth it ⓘ - 66Wells FargoWF Active Cash
Wells Fargo · ~$380 value · no annual fee
net +$380worth it ⓘ - 67U.S. BankU.S. Bank Smartly
U.S. Bank · ~$380 value · no annual fee
net +$380worth it ⓘ - 68FidelityFidelity Rewards Visa
Fidelity · ~$380 value · no annual fee
net +$380worth it ⓘ - 69Bank of AmericaBofA Customized Cash
Bank of America · ~$360 value · no annual fee
net +$360worth it ⓘ - 70ChaseFreedom Rise
Chase · ~$358 value · no annual fee
net +$358worth it ⓘ - 71DiscoverDiscover it Miles
Discover · ~$340 value · no annual fee
net +$340worth it ⓘ - 72Bank of AmericaBofA Travel Rewards
Bank of America · ~$340 value · no annual fee
net +$340worth it ⓘ - 73Bank of AmericaBofA Unlimited Cash
Bank of America · ~$340 value · no annual fee
net +$340worth it ⓘ - 74PayPalPayPal Cashback
PayPal · ~$340 value · no annual fee
net +$340worth it ⓘ - 75American ExpressMarriott Bonvoy Brilliant
American Express · ~$984 value · $650 fee · lounge access
net +$334worth it ⓘ - 76ChaseAmazon Prime Visa
Chase · ~$320 value · no annual fee
net +$320worth it ⓘ - 77Bilt RewardsBilt Card
Bilt Rewards · ~$300 value · no annual fee
net +$300worth it ⓘ - 78CitiCiti Custom Cash
Citi · ~$300 value · no annual fee
net +$300worth it ⓘ - 79U.S. BankU.S. Bank Cash+
U.S. Bank · ~$300 value · no annual fee
net +$300worth it ⓘ - 80DiscoverDiscover it Cash Back
Discover · ~$300 value · no annual fee
net +$300worth it ⓘ - 81Citi (Home Depot)Home Depot Card
Citi (Home Depot) · ~$300 value · no annual fee
net +$300worth it ⓘ - 82American ExpressDelta Gold
American Express · ~$418 value · $150 fee
net +$268worth it ⓘ - 83First PREMIER BankFirst PREMIER Bankcard
First PREMIER Bank · ~$300 value · $49 fee
net +$251worth it ⓘ - 84Credit One BankCredit One Platinum Visa
Credit One Bank · ~$300 value · $99 fee
net +$201worth it ⓘ - 85ChaseUnited Club Infinite
Chase · ~$894 value · $695 fee · lounge access
net +$199worth it ⓘ - 86American ExpressDelta Reserve
American Express · ~$686 value · $650 fee · lounge access
net +$36worth it ⓘ - 87Priority 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.