75 cards, ranked by what they pay.

Best for: Households spending $400+/mo on dining and travel

Best for: Frequent travelers using airport lounges 4+ times a year

Best for: Business owners who stay at Hyatt and want to accelerate elite status

Best for: Travelers who'll use $695+/yr in airline and hotel credits

Best for: Flat-rate travel earners — 2x miles, $300 travel credit

Best for: Business Travel & Ads

Best for: Alaska & Hawaiian Airlines flyers — West Coast, Hawaii, and Pacific routes

Best for: Households spending $500+/mo on dining and groceries

Best for: Hyatt Loyalists

Best for: Frequent American Airlines flyers who want Admirals Club access

Best for: IHG / Holiday Inn Loyalists

Best for: Streaming and gas spenders who want strong earn rates with a low effective fee

Best for: Frequent Southwest flyers — especially for Companion Pass

Best for: Hilton Loyalists

Best for: Business Spending

Best for: Hilton Loyalists

Best for: JetBlue loyalists — East Coast & Caribbean routes

Best for: Marriott Loyalists

Best for: Frequent Delta Flyers

Best for: Flat-Rate Travel (Mid-Tier)

Best for: Frequent United Flyers

Best for: Urban commuters and travelers who want Amex transfer partners at a lower annual fee

Best for: International travelers — 45+ Star Alliance partners via Aeroplan

Best for: Hotel and airline spenders who want flexible transfer partners at $95

Best for: Frequent Delta flyers — First Class companion cert + unlimited Sky Club

Best for: All-Around Travel & Everyday

Best for: Frequent Marriott guests who want Gold status and a free night to offset the annual fee

Best for: Marriott Loyalists

Best for: Freelancers with telecom/internet expenses

Best for: United loyalists — more value than Explorer without full Club fee

Best for: United flyers — free bags + lounge access

Best for: High-spend businesses wanting simple 2% unlimited cash back

Best for: Optimizers willing to activate quarterly 5x categories

Best for: American Airlines frequent flyers

Best for: No-fee business card with strong category rates

Best for: No-fee card with broad 3x earning on dining, travel, gas, transit, and streaming

Best for: Suburban households spending $500+/mo on groceries

Best for: Casual Hilton guests who want no-fee hotel points plus solid everyday earning

Best for: No-fee everyday earner — 1.5x flat, 5x via Chase travel portal

Best for: Amazon Shoppers

Best for: Renters paying $1k+/mo, earning points on rent

Best for: Southwest Flyers

Best for: Occasional travelers who want miles with no annual fee and transfer partner access

Best for: Small business owners who want solid cash back with no annual fee

Best for: Dining (No Fee)

Best for: Disney fans — parks, cruises & resort stays

Best for: Costco members who spend heavily on gas and want no annual fee

Best for: Delta Flyers

Best for: Dining and entertainment spenders, no annual fee

Best for: Utility and streaming bill payers who want 5% cash back with no fee

Best for: Easy 60,000 AA miles with just 1 purchase — lowest spend requirement of any airline card

Best for: First card or students — no fee, rotating 5% categories

Best for: No-Fee Groceries

Best for: Students

Best for: Students — Dining & Entertainment

Best for: Earning transferable points on all business spending

Best for: Simple 1.5% Cash Back

Best for: Simple flat-rate business rewards

Best for: Automatic 5% on your top spending category each month

Best for: Flexible Cash Back

Best for: BofA Customers / No-Fee Travel

Best for: 2% flat plus cell phone protection on the linked bill

Best for: Target Shoppers

Best for: Apple Ecosystem Users

Best for: Venmo Users / Simplicity

Best for: One card, 2% on everything, no categories to track

Best for: Budget-friendly points card with automatic round-up on every purchase

Best for: Consistent gas and dining spenders who prefer fixed 2% over rotating 5% categories

Best for: Simple 2% cash back on all business spending

Best for: Flat-rate cash back seekers who don't want to think about categories

Best for: Military members and families wanting the highest flat-rate cash back card available

Best for: BofA banking customers who can boost flat 1.5% to 2.625% with Preferred Rewards

Best for: First Card / Building Credit

Best for: Students building credit who want flat 1.5% cash back with no annual fee

Best for: Building Credit (Fair Credit)