Credit Card Directory
129 cards, each scored by what it nets after its annual fee for an everyday household spending $24,000 a year. Open a card for the other households and the fine print.
Showing 129 of 129 cards
American Express
American Express Gold Card
Net value
$778/yr
Annual fee
$325
Terms checked against the issuer, Oct 2026
American Express
American Express Blue Business Plus
Net value
$720/yr
Annual fee
$0
Terms not yet checked against the issuer
Coastal Community Bank
Robinhood Gold Visa
Net value
$670/yr
Annual fee
$50
Terms checked against the issuer, Oct 2026
Citi
Citi Strata Premier
Net value
$661/yr
Annual fee
$95
Terms not yet checked against the issuer
Synchrony
Verizon Visa Card
Net value
$636/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Capital One
Capital One Venture Business
Net value
$625/yr
Annual fee
$95
Terms checked against the issuer, May 2026
Capital One
Capital One Venture Rewards Credit Card
Net value
$625/yr
Annual fee
$95
Terms checked against the issuer, Oct 2026
Chase
Chase Aeroplan Card
Net value
$589/yr
Annual fee
$95
Terms checked against the issuer, May 2026
Comenity Capital Bank
AAA Daily Advantage Visa Signature
Net value
$588/yr
Annual fee
$0
Terms checked against the issuer, Jun 2026
Barclays
Wyndham Rewards Earner Plus Card
Net value
$572/yr
Annual fee
$75
Terms not yet checked against the issuer
Wells Fargo
Wells Fargo Autograph Card
Net value
$558/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Comenity Capital Bank
AAA Travel Advantage Visa Signature
Net value
$552/yr
Annual fee
$0
Terms checked against the issuer, Jun 2026
Barclays
Wyndham Rewards Earner Business
Net value
$519/yr
Annual fee
$95
Terms checked against the issuer, May 2026
Navy Federal
Navy Federal More Rewards American Express
Net value
$504/yr
Annual fee
$0
Terms not yet checked against the issuer
American Express
Blue Cash Preferred Card
Net value
$493/yr
Annual fee
$95
Terms not yet checked against the issuer
American Express
Hilton Honors American Express Card
Net value
$492/yr
Annual fee
$0
Terms not yet checked against the issuer
American Express
Blue Cash Everyday Card
Net value
$481/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
American Express
American Express Blue Business Cash
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
Bread Financial
Bread Cashback American Express
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
Citi
Citi Double Cash
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
Citi
Citi Strata Card
Net value
$480/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Fidelity
Fidelity Rewards Visa Signature
Net value
$480/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
SoFi
SoFi Credit Card
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
TD Bank
TD Bank Double Up Credit Card
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
USAA
USAA Rewards Visa Signature
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
U.S. Bank
U.S. Bank Smartly Visa Signature
Net value
$480/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Wells Fargo
Wells Fargo Active Cash Card
Net value
$480/yr
Annual fee
$0
Terms not yet checked against the issuer
PenFed
Penfed Platinum Rewards Visa Signature
Net value
$479/yr
Annual fee
$0
Terms checked against the issuer, May 2026
Chase
Chase Sapphire Preferred
Net value
$463/yr
Annual fee
$95
Terms checked against the issuer, Oct 2026
U.S. Bank
U.S. Bank Altitude Go
Net value
$458/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Capital One
Capital One Savor Cash Rewards
Net value
$456/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Capital One
Capital One VentureOne Rewards
Net value
$450/yr
Annual fee
$0
Terms not yet checked against the issuer
Affinity FCU
Affinity Federal Credit Union Cash Rewards Visa
Net value
$432/yr
Annual fee
$0
Terms not yet checked against the issuer
Synchrony
Venmo Credit Card
Net value
$432/yr
Annual fee
$0
Terms not yet checked against the issuer
U.S. Bank
U.S. Bank Altitude Connect Visa Signature
Net value
≈ $426/yr
Annual fee
$0
Terms checked against the issuer, May 2026
Capital One
Capital One Venture X Business
Net value
$425/yr
Annual fee
$395
Terms checked against the issuer, May 2026
Capital One
Capital One Venture X Rewards Credit Card
Net value
$425/yr
Annual fee
$395
Terms checked against the issuer, Oct 2026
Chase
Chase Freedom Unlimited
Net value
$414/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
American Express
Hilton Honors American Express Surpass Card
Net value
$408/yr
Annual fee
$150
Terms not yet checked against the issuer
U.S. Bank
U.S. Bank Triple Cash Rewards Business
Net value
$408/yr
Annual fee
$0
Terms not yet checked against the issuer
Citi
American Airlines AAdvantage MileUp Card
Net value
$406/yr
Annual fee
$0
Terms checked against the issuer, Nov 2026
Apple
Apple Card
Net value
$396/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Synchrony
PayPal Cashback Mastercard
Net value
$396/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Chase
Marriott Bonvoy Boundless
Net value
$395/yr
Annual fee
$95
Terms not yet checked against the issuer
Chase
World of Hyatt Credit Card
Net value
$394/yr
Annual fee
$95
Terms checked against the issuer, Oct 2026
Citi
Costco Anywhere Visa
Net value
$384/yr
Annual fee
$0
Terms not yet checked against the issuer
PNC
PNC Cash Rewards Visa
Net value
$384/yr
Annual fee
$0
Terms not yet checked against the issuer
Barclays
Barclays AAdvantage Aviator Business
Net value
$374/yr
Annual fee
$95
Terms not yet checked against the issuer
Bilt (Column N.A.)
Bilt Obsidian Card
Net value
$373/yr
Annual fee
$95
Terms not yet checked against the issuer
Wells Fargo
Wells Fargo Autograph Journey
Net value
$373/yr
Annual fee
$95
Terms checked against the issuer, Oct 2026
Bank of America
Bank of America Customized Cash Rewards
Net value
$369/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
American Express
American Express Business Gold
Net value
$363/yr
Annual fee
$375
Terms not yet checked against the issuer
American Express
Hilton Honors American Express Business
Net value
$363/yr
Annual fee
$195
Terms not yet checked against the issuer
Alliant
Alliant Cashback Visa Signature
Net value
$360/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Bank of America
Bank of America Business Advantage Unlimited Cash Rewards
Net value
$360/yr
Annual fee
$0
Terms checked against the issuer, May 2026
Bank of America
Bank of America Travel Rewards
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
Bank of America
Bank of America Unlimited Cash Rewards
Net value
$360/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Bilt (Column N.A.)
Bilt Blue Card
Net value
$360/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Capital One
Capital One Quicksilver Cash Rewards
Net value
$360/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Chase
Chase Freedom Rise
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
Chase
Chase Ink Business Cash
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
Chase
Chase Ink Business Unlimited
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
Discover
Discover it Miles
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
U.S. Bank
State Farm Good Neighbor Visa
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
ONE
Walmart OnePay CashRewards Card
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
Wells Fargo
Wells Fargo Signify Business Cash
Net value
$360/yr
Annual fee
$0
Terms not yet checked against the issuer
American Express
Marriott Bonvoy Business
Net value
$355/yr
Annual fee
$125
Terms not yet checked against the issuer
Chase
Southwest Rapid Rewards Plus Credit Card
Net value
$338/yr
Annual fee
$99
Terms not yet checked against the issuer
Chase
Chase Ink Business Preferred
Net value
$337/yr
Annual fee
$95
Terms not yet checked against the issuer
Chase
Chase Freedom Flex
Net value
≈ $336/yr
Annual fee
$0
Terms not yet checked against the issuer
American Express
Delta SkyMiles Blue
Net value
$331/yr
Annual fee
$0
Terms not yet checked against the issuer
American Express
Delta SkyMiles Gold Business
Net value
$331/yr
Annual fee
$0
Terms not yet checked against the issuer
Capital One
Capital One Spark Cash Plus
Net value
$330/yr
Annual fee
$150
Terms not yet checked against the issuer
Bank of America
Bank of America Business Advantage Customized Cash Rewards
Net value
≈ $324/yr
Annual fee
$0
Terms checked against the issuer, May 2026
Chase
IHG One Rewards Premier Business
Net value
$321/yr
Annual fee
$99
Terms not yet checked against the issuer
Barclays
JetBlue Plus Card
Net value
$319/yr
Annual fee
$99
Terms not yet checked against the issuer
American Express
American Express Green Card
Net value
$318/yr
Annual fee
$150
Terms not yet checked against the issuer
Chase
United Gateway Card
Net value
$317/yr
Annual fee
$0
Terms not yet checked against the issuer
Chase
Marriott Bonvoy Bountiful
Net value
$307/yr
Annual fee
$250
Terms checked against the issuer, Oct 2026
Chase
Southwest Rapid Rewards Premier Credit Card
Net value
$303/yr
Annual fee
$149
Terms not yet checked against the issuer
Chase
Chase Amazon Prime Visa
Net value
$300/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Chase
Chase Amazon Visa
Net value
$300/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Bank of America
Atmos Rewards Ascent Visa Signature
Net value
$297/yr
Annual fee
$95
Terms checked against the issuer, Oct 2026
Citi
Citi / AAdvantage Platinum Select World Elite Mastercard
Net value
$291/yr
Annual fee
$99
Terms checked against the issuer, Oct 2026
Chase
United Business Card
Net value
$291/yr
Annual fee
$99
Terms not yet checked against the issuer
Chase
Chase Ink Business Premier
Net value
$285/yr
Annual fee
$195
Terms not yet checked against the issuer
Bank of America
Bank of America Premium Rewards
Net value
$283/yr
Annual fee
$95
Terms not yet checked against the issuer
Bank of America
Atmos Rewards Visa Business Card
Net value
$278/yr
Annual fee
$70
Terms checked against the issuer, May 2026
Discover
Discover it Cash Back
Net value
≈ $273/yr
Annual fee
$0
Terms not yet checked against the issuer
Discover
Discover it Secured Credit Card
Net value
≈ $273/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Chase
IHG One Rewards Traveler Credit Card
Net value
$273/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
American Express
Delta SkyMiles Gold
Net value
$268/yr
Annual fee
$150
Terms checked against the issuer, Oct 2026
U.S. Bank
U.S. Bank Business Altitude Connect
Net value
$253/yr
Annual fee
$95
Terms checked against the issuer, May 2026
Citi
Citi / AAdvantage Business World Elite Mastercard
Net value
$244/yr
Annual fee
$99
Terms checked against the issuer, May 2026
Chase
Southwest Rapid Rewards Premier Business
Net value
$241/yr
Annual fee
$149
Terms checked against the issuer, May 2026
Synchrony
Amazon Prime Store Card
Net value
$240/yr
Annual fee
$0
Terms not yet checked against the issuer
Discover
Discover it Student Cash Back
Net value
≈ $240/yr
Annual fee
$0
Terms not yet checked against the issuer
TD Bank
Target RedCard Credit Card
Net value
$240/yr
Annual fee
$0
Terms not yet checked against the issuer
U.S. Bank
U.S. Bank Cash+
Net value
≈ $240/yr
Annual fee
$0
Terms checked against the issuer, May 2026
Barclays
JetBlue Business Card
Net value
$232/yr
Annual fee
$99
Terms checked against the issuer, May 2026
Bilt (Column N.A.)
Bilt Palladium Card
Net value
$225/yr
Annual fee
$495
Terms not yet checked against the issuer
Chase
Aer Lingus Visa Signature
Net value
$217/yr
Annual fee
$95
Terms not yet checked against the issuer
Chase
British Airways Visa Signature
Net value
$217/yr
Annual fee
$95
Terms not yet checked against the issuer
Chase
Iberia Visa Signature
Net value
$217/yr
Annual fee
$95
Terms not yet checked against the issuer
Chase
World of Hyatt Business
Net value
$209/yr
Annual fee
$199
Terms not yet checked against the issuer
Chase
Marriott Bonvoy Bold
Net value
$192/yr
Annual fee
$0
Terms not yet checked against the issuer
Barclays
Frontier Airlines World Mastercard
Net value
$187/yr
Annual fee
$89
Terms not yet checked against the issuer
Chase
Southwest Rapid Rewards Performance Business
Net value
$187/yr
Annual fee
$199
Terms not yet checked against the issuer
Chase
United Explorer Card
Net value
$181/yr
Annual fee
$150
Terms not yet checked against the issuer
Chase
Southwest Rapid Rewards Priority Credit Card
Net value
$161/yr
Annual fee
$229
Terms not yet checked against the issuer
Citi
Citi Strata Elite
Net value
$96/yr
Annual fee
$595
Terms checked against the issuer, Aug 2026
Chase
IHG One Rewards Premier Credit Card
Net value
$87/yr
Annual fee
$99
Terms not yet checked against the issuer
Bank of America
Atmos Rewards Summit Visa Infinite
Net value
$57/yr
Annual fee
$395
Terms not yet checked against the issuer
Chase
Chase Sapphire Reserve
Net value
$30/yr
Annual fee
$795
Terms checked against the issuer, Oct 2026
American Express
Marriott Bonvoy Bevy
Net value
$28/yr
Annual fee
$250
Terms not yet checked against the issuer
American Express
Delta SkyMiles Platinum Business
Net value
$24/yr
Annual fee
$350
Terms not yet checked against the issuer
Bank of America
BankAmericard
Net value
$0/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Capital One
Capital One Platinum Credit Card
Net value
$0/yr
Annual fee
$0
Terms checked against the issuer, Oct 2026
Chase
United Quest Card
Net value
-$19/yr
Annual fee
$350
Terms not yet checked against the issuer
American Express
Delta SkyMiles Platinum
Net value
-$62/yr
Annual fee
$350
Terms not yet checked against the issuer
Bank of America
Bank of America Premium Rewards Elite
Net value
-$67/yr
Annual fee
$550
Terms checked against the issuer, May 2026
Coastal Community Bank
Robinhood Platinum Card
Net value
-$113/yr
Annual fee
$695
Terms checked against the issuer, Oct 2026
American Express
Hilton Honors American Express Aspire Card
Net value
-$118/yr
Annual fee
$550
Terms checked against the issuer, Oct 2026
American Express
American Express Platinum Card
Net value
-$120/yr
Annual fee
$895
Terms checked against the issuer, Oct 2026
American Express
Delta SkyMiles Reserve
Net value
-$242/yr
Annual fee
$650
Terms not yet checked against the issuer
Citi
Citi / AAdvantage Executive World Elite Mastercard
Net value
-$305/yr
Annual fee
$695
Terms not yet checked against the issuer
American Express
American Express Business Platinum
Net value
-$355/yr
Annual fee
$895
Terms not yet checked against the issuer
Chase
United Club Infinite Card
Net value
-$364/yr
Annual fee
$695
Terms not yet checked against the issuer
American Express
Marriott Bonvoy Brilliant
Net value
-$400/yr
Annual fee
$650
Terms not yet checked against the issuer
Net value is rewards plus the credits this household would use, minus the annual fee, at CardSavvy's point values. Welcome bonuses are not included. ≈ marks a card with rotating categories or a cap the single-card math does not apply.
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