71 cards, ranked by what they pay.

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

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

Best for: All-Around Travel & Everyday

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

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

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

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

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

Best for: Renters who want to earn points on rent with no annual fee

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

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

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

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

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

Best for: Hyatt Loyalists

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

Best for: Hilton Loyalists

Best for: JetBlue loyalists — East Coast & Caribbean routes

Best for: No-fee travel card with 4x gas and travel earning

Best for: IHG / Holiday Inn Loyalists

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

Best for: BofA Customers / No-Fee Travel

Best for: Simple 1.5% Cash Back

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

Best for: First Card / Building Credit

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

Best for: Military families who held it — a simple flat-rate cash card with USAA's member service

Best for: Dining and entertainment spenders, no annual fee

Best for: Students — Dining & Entertainment

Best for: Dining (No Fee)

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

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

Best for: Occasional Southwest flyers who want a free checked bag at a low fee

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

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

Best for: American Airlines frequent flyers

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

Best for: Frequent Southwest flyers — seat perks, free bags & Companion Pass progress

Best for: Venmo Users / Simplicity

Best for: Marriott Loyalists

Best for: No-Fee Groceries

Best for: Frequent Marriott guests who want Gold status and an annual free night

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

Best for: Flexible Cash Back

Best for: Delta flyers wanting free bags + a $200 flight credit at a low fee

Best for: Travelers who'll actually use $1,500+ in annual travel & lifestyle credits

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

Best for: Optimizers willing to activate quarterly 5x categories

Best for: United flyers — free bags + lounge access

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

Best for: Amazon Shoppers

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

Best for: Apple Ecosystem Users

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

Best for: Students

Best for: Target Shoppers

Best for: United flyers wanting strong United earning + $850/yr in credits without the full Club fee

Best for: Frequent Delta flyers who want a companion certificate + a head start on status

Best for: Hilton Loyalists

Best for: Marriott Loyalists

Best for: Frequent United Flyers

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

Best for: Frequent Delta flyers — Sky Club access + companion certificate + status head start

Best for: 21 months at 0% with the lowest ongoing APR after the intro ends

Best for: Building Credit (Fair Credit)

Best for: A 21-month 0% window from Chase

Best for: Long 0% balance transfer with a slightly lower ongoing APR than Simplicity

Best for: Moving existing debt: 21 months at 0% with the lowest transfer fee (3%)

Best for: 21 months 0% on purchases with a small annual credit on top

Best for: Financing a large purchase interest-free for 21 months

Best for: Travelers who'll use the airline, hotel, dining & lifestyle credits ($3,500+ advertised value)