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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

Find the Best Card for How You Spend

Compare 275 credit cards by rewards, benefits, and value. Search any card, category, or merchant.

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Best Cards for Dining

Bilt Obsidian Card
Bilt Obsidian Card
  1. 1.3x on Dining — points worth 2.2¢ each
  2. 2.$30/yr Instacart+ Savings
  3. 3.$200 in rewards bonus (~$200 value)
$95/yr
MastercardCore Rate
American Express Gold Card
American Express Gold Card
  1. 1.4x on Dining — points worth 1.5¢ each
  2. 2.$60/yr $120 Dining Credit
  3. 3.$50/yr $100 Resy Credit
$325/yr
AmexCore Rate
Chase Sapphire Preferred Card
Chase Sapphire Preferred Card
  1. 1.3x on Dining — points worth 1.8¢ each
  2. 2.$60/yr Complimentary DashPass Membership
  3. 3.$24/yr DoorDash DashPass benefits
$95/yr
VisaCore Rate
Citi Strata Elite℠ Card
Citi Strata Elite℠ Card
  1. 1.3x on Dining — points worth 1.6¢ each
  2. 2.$30/yr Instacart+ Savings
  3. 3.75,000 points bonus (~$1,200 value)
$595/yr
MastercardCore Rate
Rakuten American Express Card
Rakuten American Express Card
  1. 1.2% cash back on Dining
  2. 2.$100 cash back bonus (~$100 value)
  3. 3.Cash back converts at 1.6¢ avg — 1.6× cash value
No annual fee
AmexConvertibleCore Rate
Chase Sapphire Reserve
Chase Sapphire Reserve
  1. 1.3x on Dining — points worth 1.8¢ each
  2. 2.$180/yr DoorDash DashPass & Credits
  3. 3.100,000 points bonus (~$1,800 value)
$795/yr
VisaCore Rate
Verizon Visa Card
  1. 1.4% cash back on Dining
  2. 2.OpenTable Special Dining Events
  3. 3.$150 statement credit bonus (~$150 value)
No annual fee
VisaCore Rate
BMO Escape
  1. 1.4x on Dining
  2. 2.45,000 points bonus (~$315.00 value)
$150/yr
MastercardCore Rate
Citi Strata Premier Card
Citi Strata Premier Card
  1. 1.3x on Dining — points worth 1.6¢ each
  2. 2.$30/yr Instacart+ Savings
  3. 3.60,000 points bonus (~$960 value)
$95/yr
MastercardCore Rate
Williams Sonoma Key Rewards Visa
Williams Sonoma Key Rewards Visa
  1. 1.4x on Dining
  2. 2.OpenTable Special Dining Events
No annual fee
VisaCore Rate

Best Cards for Travel

Capital One Venture X Rewards Credit Card
  1. 1.10x on Travel — points worth 1.9¢ each
  2. 2.$240/yr $300 Annual Capital One Travel Credit
  3. 3.Primary Auto Rental Collision Damage Waiver
$395/yr
VisaCore Rate
Citi Strata Premier Card
Citi Strata Premier Card
  1. 1.10x on Travel — points worth 1.6¢ each
  2. 2.Trip Delay Protection
  3. 3.Lost or Damaged Luggage Insurance
$95/yr
MastercardCore Rate
Bilt Palladium Card
  1. 1.2x on Travel — points worth 2.2¢ each
  2. 2.$200/yr $400 Bilt Travel Hotel credit
  3. 3.Priority Pass Airport Lounge Access
$495/yr
MastercardCore Rate
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
  1. 1.5x on Travel — points worth 1.9¢ each
  2. 2.Mastercard Travel & Lifestyle Services
  3. 3.20,000 miles bonus (~$370 value)
No annual fee
MastercardCore Rate
Chase Sapphire Reserve
Chase Sapphire Reserve
  1. 1.4x on Travel — points worth 1.8¢ each
  2. 2.$240/yr Annual Travel Credit
  3. 3.$125/yr Select Hotels Credit (2026)
$795/yr
VisaCore Rate
The Platinum Card from American Express
  1. 1.5x on Travel — points worth 1.5¢ each
  2. 2.$300/yr Fine Hotels + Resorts / Hotel Collection Credit
  3. 3.$100/yr Airline Fee Credit
$895/yr
AmexCore Rate
Wells Fargo Autograph Journey Visa Credit Card
Wells Fargo Autograph Journey Visa Credit Card
  1. 1.5x on Travel — points worth 1.3¢ each
  2. 2.$25/yr $50 annual statement credit
  3. 3.Auto Rental Collision Damage Waiver
$95/yr
VisaCore Rate
U.S. Bank Smartly Visa Signature Card
U.S. Bank Smartly Visa Signature Card
  1. 1.Auto Rental Collision Damage Waiver
  2. 2.Visa Signature Rental Car Privileges
  3. 3.$5/yr Booking.com Travel Credits
No annual fee
Visa
Citi Strata Elite℠ Card
Citi Strata Elite℠ Card
  1. 1.Priority Pass™ Select membership
  2. 2.$150/yr Up to $300 Annual Hotel Benefit
  3. 3.$72/yr Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit
$595/yr
Mastercard
Citi / AAdvantage Executive World Elite Mastercard
Citi / AAdvantage Executive World Elite Mastercard
  1. 1.12x on Travel — points worth 1.0¢ each
  2. 2.Admirals Club Membership
  3. 3.First Checked Bag Free
$695/yr
MastercardCore Rate

Highest Welcome Offers on Points Cards

The Business Platinum Card from American Express
The Business Platinum Card from American Express
Up to 300,000 points

Offers vary by applicant

After $20,000 spend in 3 months

$895/yr
American Express Business Gold Card
American Express Business Gold Card
Up to 200,000 points

Offers vary by applicant

After $15,000 spend in 3 months

$375/yr
Chase Sapphire Reserve for Business
Chase Sapphire Reserve for Business
200,000 points

After $30,000 spend in 6 months

$795/yr
The Platinum Card from American Express
Up to 175,000 points

Offers vary by applicant

After $12,000 spend in 6 months

$895/yr
Capital One Venture X Business
Capital One Venture X Business
150,000 miles

After $30,000 spend in 3 months

$395/yr
American Express Gold Card
American Express Gold Card
Up to 100,000 points

Offers vary by applicant

After $8,000 spend in 6 months

$325/yr
Chase Sapphire Reserve
Chase Sapphire Reserve
100,000 points

After $6,000 spend in 3 months

$795/yr
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
100,000 points

After $8,000 spend in 3 months

$95/yr
Bank of America® Premium Rewards® Elite
Bank of America® Premium Rewards® Elite
75,000 points

After $5,000 spend in 3 months

$550/yr
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
75,000 miles

After $4,000 spend in 3 months

$95/yr

Popular categories

The #1 card for each, by value per dollar

  • Dining

    Top: Bilt Obsidian Card

  • Groceries

    Top: Bilt Obsidian Card

  • Flights

    Top: Capital One Venture X Rewards Credit Card

  • Gas

    Top: Chase Sapphire Preferred Card

  • Hotels

    Top: Capital One Venture X Rewards Credit Card

  • Streaming

    Top: Blue Cash Preferred Card from American Express

  • Online shopping

    Top: Bilt Palladium Card

  • Travel

    Top: Capital One Venture X Rewards Credit Card

  • Transit

    Top: Citi Strata Credit Card

  • All purchases

    Top: Bilt Palladium Card