Calculating best value... |
Ranked by average American spending
Your #1 of 52 · unlock to see which card it is
+$914a year
$914 in rewards · no statement credits · $0 annual fee · a basic 1% card would earn $240
01
What each pays you a year, and how far it trails your #1. Tap one to put it on the stage.
Rough numbers are fine. We re-rank all 49 cards for you.
Warehouse clubs and superstores are separate because Amex, Chase, Citi and Capital One exclude them from grocery bonuses; only a couple of cards pay extra there. Utilities and rent start at $0: many providers charge a 2 to 3% card fee that wipes out the reward, and rent counts only for Bilt, which earns on rent without a transaction fee.
Some cards (BofA Preferred Rewards, US Bank Smartly) boost your rewards based on how much you keep at the bank. We count the boost and the opportunity cost of parking that money there.
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The best 1 to 4 card combo for your spending. Each purchase goes on whichever card earns the most.
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Every card we track, by what it puts in your pocket in a year. Search, filter, or tap a row for the full math.
Calculating best value... |
Every point is worth exactly 1¢. This is what you get if you redeem points as a statement credit, direct deposit, or gift card. Simple and guaranteed.
Points can be transferred to airline and hotel partners (like Hyatt, United, Delta) where they're often worth more. Transfer valuations are based on industry-standard estimates:
| Chase Ultimate Rewards | 1.5¢/pt |
| Amex Membership Rewards | 1.5¢/pt |
| Citi ThankYou Points | 1.5¢/pt |
| Bilt Points | 1.5¢/pt |
| Capital One Miles | 1¢/mi |
| All other currencies | 1¢/pt |
Transfer values are estimates. Actual value depends on how and when you redeem.