Find the Best Card for How You Spend

The go-to starter travel card. Strong dining and travel multipliers, primary car rental coverage, and access to the best transfer partner network in the business — all for a $95 fee that's easy to offset.

The premium Chase travel card. Earns 3x on dining and all travel, includes a $300 broad travel credit (effective fee: $250), Priority Pass lounge access with unlimited guests, and 1.5x redemptions through Chase Travel.

No annual fee with a reliable 1.5% on everything and 3% on dining. Pairs well with a Sapphire card to convert cash back into transferable Ultimate Rewards points.

Permanent 3% on dining plus 5% on rotating quarterly categories (up to $1,500/quarter) — gas, groceries, Amazon, and more depending on the quarter. Cell phone protection included.

The top earner for people who spend heavily on food. The $325 fee shrinks to effectively $85 if you use the $120 Uber Cash and $120 dining credits, and the 4x earn rate (7.2¢/$) is the highest in both categories.

Built for road warriors. The $895 fee is offset by over $2,600 in annual credits if you use them — Centurion Lounge access, $200 airline credit, $200 Uber Cash, hotel credits, and more. Worth it only if your habits align.

The highest grocery cash back rate available at 6% — capped at $6,000/yr. Also earns 6% on select streaming and 3% on gas. The $95 fee is offset quickly for households spending $300+/mo on groceries.

The no-fee version of the BCP. Earns 3% on groceries (capped at $6,000/yr), gas, and online retail. A solid no-fee option for households who want Amex grocery rewards without paying a fee.

The $300 Capital One Travel credit and 10k anniversary miles (~$170) make the effective annual cost near zero. Includes Priority Pass + Capital One Lounge access with unlimited guests and 15+ transfer partners.

No categories to track — just 2x miles on every purchase. Solid transfer partners, a Global Entry/TSA credit, and 2 free Capital One lounge visits per year. Ideal for travelers who want simplicity.

The simplest no-fee cash back card: 1.5% on everything, no categories, no annual fee. A good starting card or backup for spending that doesn't fit a category-bonus card.

One of the most versatile mid-tier cards available. Earns 3x across dining, groceries, gas, and travel for a $95 fee, with transferable ThankYou points and a $100 annual hotel savings benefit.

The simplest 2% card on the market. No annual fee, no categories, no gimmicks. Earns ThankYou points which can be upgraded to transferable miles if paired with a premium Citi card.

Automatically earns 5% on your highest spend category each billing cycle, up to $500/mo. Great for people with one dominant category like dining, groceries, or gas — no activation required.

Earns 5% on rotating quarterly categories and matches all cash back earned in year one — effectively doubling your rewards. A compelling first card for credit builders.

Matches the Double Cash on rewards but adds $600 in cell phone protection when you pay your wireless bill with the card. The best no-fee card for people who want simplicity and real-world coverage.

Choose your own 3% category (gas, online shopping, dining, travel, drug stores, or home improvement) and earn 2% at grocery stores and wholesale clubs. No fee, and Preferred Rewards members earn up to 75% more.