Name: CardSavvy Rewards Index
Creator: CardSavvy
License: https://creativecommons.org/licenses/by/4.0/

Findings · everyday household at CardSavvy values

The point value Amex Gold needs to beat Robinhood Gold: 1.31¢; The point value Amex Gold needs to beat Robinhood Gold
The yearly spend where Amex Gold starts beating the best no-fee card: $6,500; The yearly spend where Amex Gold starts beating the best no-fee card
What a second card adds. Cards 3 to 5 add $61 more.: +$148; What a second card adds. Cards 3 to 5 add $61 more.

What the Q4 2026 data says

At $24,000 a year of everyday spending, the best single card nets $778 a year at CardSavvy's point values (American Express Gold Card).
Cap every point at 1¢ and the leader changes to Robinhood Gold Visa at $670, so the first result depends on how you value points.
American Express Gold Card needs its points to be worth at least 1.31¢ each to beat Robinhood Gold Visa's $670.
A second card adds $148. Cards 3 to 5 add $61 between them.
With points capped at 1¢, no card with a fee of $250 or more beats the best no-fee card anywhere up to $100K of spend.

Transferable point1.50¢

Net value by annual spend

Each line is one card: rewards plus the credits this household can use, minus the fee, as spending grows from $5K to $100K in the everyday mix (groceries, gas, and dining out a few times a month), with transferable points at 1.50¢. The dark line is the best no-fee card at each level; where a colored line sits above it, that card earns its fee.

Best no-fee card

At $24,000/yr the best card for this household is American Express Gold Card ($778) and the best no-fee card is AAA Daily Advantage Visa Signature ($588). The leader also carries a fee of $250 or more.

How many cards are worth carrying?

The best wallet the optimizer can build with 1 to 5 cards for the everyday household at $24,000/yr. Each column is solved exactly, so a bigger wallet can swap out a card the smaller one used.

1 card: $778/yr
- American Express Gold Card Grocery, Gas, Dining, Online Shopping, Streaming, Other · +$778
2 cards: $926/yr(+$148)
- American Express Gold Card Grocery, Dining · +$580
- Robinhood Gold Visa Gas, Online Shopping, Streaming, Other · +$346new
3 cards: $974/yr(+$48)
- American Express Gold Card Grocery, Dining · +$580
- Robinhood Gold Visa Online Shopping, Streaming, Other · +$274
- AAA Travel Advantage Visa Signature Gas · +$120new
4 cards: $987/yr(+$13)
- American Express Gold Card Grocery, Dining · +$580
- Robinhood Gold Visa Online Shopping, Other · +$256
- AAA Travel Advantage Visa Signature Gas · +$120
- Blue Cash Everyday Card Streaming · +$31new
5 cards: $987/yr(+$0)No card adds value at this step
- American Express Gold Card Grocery, Dining · +$580
- Robinhood Gold Visa Other · +$184
- AAA Travel Advantage Visa Signature Gas · +$120
- Blue Cash Everyday Card Online Shopping, Streaming · +$103

Every card, every category

Net value for the everyday household and the effective return in each category (earn rate times point value, transferable points at 1.50¢). Sort any column, tick a card to plot it above, or open a card for its full breakdown.Pick a column to compare, or tap a card for its full breakdown.

Compare by

Effective return:<1%1.5%2–3%3–4%4–5%5–7%7%+

Net annual value and effective return by category for every card in the index

American Express Gold Card$325 fee · verifiedAmerican Express · reviewed 2026-10-20	+$778	$325	6%	6%	1.5%	4.5%	1.5%	1.5%	1.5%	1.5%
Robinhood Gold Visa$50 fee · verifiedCoastal Community Bank · reviewed 2026-10-18	+$670	$50	3%	3%	3%	3%	3%	3%	3%	3%
Citi Strata Premier$95 fee · unverifiedCiti · not re-verified	+$661	$95	4.5%	4.5%	4.5%	4.5%	4.5%	1.5%	1.5%	1.5%
Capital One Venture Rewards Credit Card$95 fee · verifiedCapital One · reviewed 2026-10-20	+$625	$95	3%	3%	3%	3%	3%	3%	3%	3%
Chase Aeroplan Card$95 fee · verifiedChase · reviewed 2026-05-22	+$589	$95	4.5%	4.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
AAA Daily Advantage Visa Signature$0 fee · verifiedComenity Capital Bank · reviewed 2026-06-09	+$588	$0	1%	5%	3%	1%	1%	1%	3%	1%
Wyndham Rewards Earner Plus Card$75 fee · unverifiedBarclays · not re-verified	+$572	$75	4.4%	4.4%	2.2%	1.1%	6.6%	1.1%	1.1%	1.1%
Wells Fargo Autograph Card$0 fee · verifiedWells Fargo · reviewed 2026-10-20	+$558	$0	4.5%	1.5%	4.5%	4.5%	4.5%	1.5%	4.5%	1.5%
AAA Travel Advantage Visa Signature$0 fee · verifiedComenity Capital Bank · reviewed 2026-06-09	+$552	$0	3%	3%	5%	3%	3%	1%	1%	1%
Blue Cash Preferred Card$95 fee · unverifiedAmerican Express · not re-verified	+$493	$95	1%	6%	3%	1%	1%	1%	1%	1%
Hilton Honors American Express Card$0 fee · unverifiedAmerican Express · not re-verified	+$492	$0	2.5%	2.5%	2.5%	1.5%	3.5%	1.5%	1.5%	1.5%
Blue Cash Everyday Card$0 fee · verifiedAmerican Express · reviewed 2026-10-20	+$481	$0	1%	3%	3%	1%	1%	3%	1%	1%
Bread Cashback American Express$0 fee · unverifiedBread Financial · not re-verified	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
Citi Double Cash$0 fee · unverifiedCiti · not re-verified	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
Citi Strata Card$0 fee · verifiedCiti · reviewed 2026-10-20	+$480	$0	2%	3%	3%	1%	1%	1%	3%	1%
Fidelity Rewards Visa Signature$0 fee · verifiedFidelity · reviewed 2026-10-20	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
SoFi Credit Card$0 fee · unverifiedSoFi · not re-verified	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
TD Bank Double Up Credit Card$0 fee · unverifiedTD Bank · not re-verified	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
U.S. Bank Smartly Visa Signature$0 fee · verifiedU.S. Bank · reviewed 2026-10-20	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
Wells Fargo Active Cash Card$0 fee · unverifiedWells Fargo · not re-verified	+$480	$0	2%	2%	2%	2%	2%	2%	2%	2%
Penfed Platinum Rewards Visa Signature$0 fee · verifiedPenFed · reviewed 2026-05-04	+$479	$0	2.6%	2.6%	4.3%	0.9%	0.9%	0.9%	2.6%	0.9%
Chase Sapphire Preferred$95 fee · unverifiedChase · not re-verified	+$463	$95	4.5%	1.5%	4.5%	3%	3%	1.5%	4.5%	1.5%
U.S. Bank Altitude Go$0 fee · verifiedU.S. Bank · reviewed 2026-10-20	+$458	$0	4%	2%	2%	1%	1%	1%	2%	1%
Capital One Savor Cash Rewards$0 fee · verifiedCapital One · reviewed 2026-10-20	+$456	$0	3%	3%	1%	1%	1%	1%	1%	1%
Capital One VentureOne Rewards$0 fee · unverifiedCapital One · not re-verified	+$450	$0	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%
Affinity Federal Credit Union Cash Rewards Visa$0 fee · unverifiedAffinity FCU · not re-verified	+$432	$0	3%	2%	3%	1%	1%	1%	1%	1%
Venmo Credit Card$0 fee · unverifiedSynchrony · not re-verified	+$432	$0	3%	2%	2%	2%	2%	2%	1%	1%
U.S. Bank Altitude Connect Visa Signature$0 fee · verifiedU.S. Bank · reviewed 2026-05-22 · caps not modeled	+$426	$0	2%	2%	4%	4%	4%	1%	2%	1%
Capital One Venture X Rewards Credit Card$395 fee · verifiedCapital One · reviewed 2026-10-20	+$425	$395	3%	3%	3%	3%	3%	3%	3%	3%
Chase Freedom Unlimited$0 fee · unverifiedChase · not re-verified	+$414	$0	3%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Hilton Honors American Express Surpass Card$150 fee · unverifiedAmerican Express · not re-verified	+$408	$150	3%	3%	3%	1.5%	6%	1.5%	1.5%	1.5%
Apple Card$0 fee · verifiedApple · reviewed 2026-10-20	+$396	$0	2%	2%	2%	2%	2%	2%	1%	1%
PayPal Cashback Mastercard$0 fee · verifiedSynchrony · reviewed 2026-10-20	+$396	$0	1.5%	1.5%	1.5%	1.5%	1.5%	3%	1.5%	1.5%
Marriott Bonvoy Boundless$95 fee · unverifiedChase · not re-verified	+$395	$95	2.4%	2.4%	2.4%	1.6%	1.6%	1.6%	1.6%	1.6%
World of Hyatt Credit Card$95 fee · verifiedChase · reviewed 2026-10-20	+$394	$95	3.4%	1.7%	1.7%	3.4%	6.8%	1.7%	1.7%	1.7%
Costco Anywhere Visa$0 fee · unverifiedCiti · not re-verified	+$384	$0	3%	1%	4%	3%	3%	1%	1%	1%
PNC Cash Rewards Visa$0 fee · unverifiedPNC · not re-verified	+$384	$0	3%	1%	4%	1%	1%	1%	1%	1%
American Airlines AAdvantage MileUp Card$0 fee · unverifiedCiti · not re-verified	+$374	$0	1.2%	2.4%	1.2%	2.4%	1.2%	1.2%	1.2%	1.2%
Bilt Obsidian Card$95 fee · unverifiedBilt (Column N.A.) · not re-verified	+$373	$95	4.5%	1.5%	1.5%	3%	3%	1.5%	1.5%	1.5%
Wells Fargo Autograph Journey$95 fee · verifiedWells Fargo · reviewed 2026-10-20	+$373	$95	4.5%	1.5%	1.5%	6%	7.5%	1.5%	1.5%	1.5%
Chase Amazon Prime Visa$0 fee · unverifiedChase · not re-verified	+$372	$0	2%	2%	2%	1%	1%	1%	1%	1%
Bank of America Customized Cash Rewards$0 fee · verifiedBank of America · reviewed 2026-10-20	+$369	$0	1%	2%	1%	1%	1%	3%	3%	1%
Alliant Cashback Visa Signature$0 fee · verifiedAlliant · reviewed 2026-10-20	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Bank of America Travel Rewards$0 fee · unverifiedBank of America · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Bank of America Unlimited Cash Rewards$0 fee · unverifiedBank of America · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Bilt Blue Card$0 fee · unverifiedBilt (Column N.A.) · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Capital One Quicksilver Cash Rewards$0 fee · verifiedCapital One · reviewed 2026-10-20	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Chase Freedom Rise$0 fee · unverifiedChase · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Discover it Miles$0 fee · unverifiedDiscover · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
State Farm Good Neighbor Visa$0 fee · unverifiedU.S. Bank · not re-verified	+$360	$0	3%	1%	3%	1%	1%	1%	1%	1%
Walmart OnePay CashRewards Card$0 fee · unverifiedONE · not re-verified	+$360	$0	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
Southwest Rapid Rewards Plus Credit Card$99 fee · unverifiedChase · not re-verified	+$338	$99	1.3%	2.6%	2.6%	1.3%	1.3%	1.3%	1.3%	1.3%
Chase Freedom Flex$0 fee · unverifiedChase · not re-verified · caps not modeled	+$336	$0	3%	1.3%	1.3%	1%	1%	1%	1%	1%
Delta SkyMiles Blue$0 fee · unverifiedAmerican Express · not re-verified	+$331	$0	2.4%	1.2%	1.2%	2.4%	1.2%	1.2%	1.2%	1.2%
JetBlue Plus Card$99 fee · unverifiedBarclays · not re-verified	+$319	$99	2.4%	2.4%	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%
American Express Green Card$150 fee · unverifiedAmerican Express · not re-verified	+$318	$150	4.5%	1.5%	1.5%	4.5%	4.5%	1.5%	1.5%	1.5%
United Gateway Card$0 fee · unverifiedChase · not re-verified	+$317	$0	1.2%	1.2%	2.4%	2.4%	1.2%	1.2%	1.2%	1.2%
Marriott Bonvoy Bountiful$250 fee · verifiedChase · reviewed 2026-10-20	+$307	$250	3.2%	3.2%	1.6%	1.6%	4.8%	1.6%	1.6%	1.6%
Southwest Rapid Rewards Premier Credit Card$149 fee · unverifiedChase · not re-verified	+$303	$149	2.6%	2.6%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%
Chase Amazon Visa$0 fee · verifiedChase · reviewed 2026-10-20	+$300	$0	2%	1%	2%	1%	1%	1%	1%	1%
Citi / AAdvantage Platinum Select World Elite Mastercard$99 fee · unverifiedCiti · not re-verified	+$291	$99	2.6%	1.3%	2.6%	2.6%	1.3%	1.3%	1.3%	1.3%
Atmos Rewards Ascent Visa Signature$95 fee · unverifiedBank of America · not re-verified	+$288	$95	1.5%	1.5%	2.9%	4.4%	1.5%	1.5%	1.5%	1.5%
Bank of America Premium Rewards$95 fee · unverifiedBank of America · not re-verified	+$283	$95	2%	1.5%	1.5%	2%	2%	1.5%	1.5%	1.5%
Discover it Cash Back$0 fee · unverifiedDiscover · not re-verified · caps not modeled	+$273	$0	1.3%	1.3%	1.3%	1%	1%	1%	1%	1%
Discover it Secured Credit Card$0 fee · verifiedDiscover · reviewed 2026-10-20 · caps not modeled	+$273	$0	1.3%	1.3%	1.3%	1%	1%	1%	1%	1%
IHG One Rewards Traveler Credit Card$0 fee · verifiedChase · reviewed 2026-10-20	+$273	$0	1.5%	1%	1.5%	1%	2.5%	1%	1.5%	1%
Delta SkyMiles Gold$150 fee · unverifiedAmerican Express · not re-verified	+$268	$150	2.4%	2.4%	1.2%	2.4%	1.2%	1.2%	1.2%	1.2%
Discover it Student Cash Back$0 fee · unverifiedDiscover · not re-verified · caps not modeled	+$240	$0	1%	1%	1%	1%	1%	1%	1%	1%
U.S. Bank Cash+$0 fee · verifiedU.S. Bank · reviewed 2026-05-04 · caps not modeled	+$240	$0	1%	1%	1%	1%	1%	1%	1%	1%
Bilt Palladium Card$495 fee · unverifiedBilt (Column N.A.) · not re-verified	+$225	$495	3%	3%	3%	3%	3%	3%	3%	3%
Aer Lingus Visa Signature$95 fee · unverifiedChase · not re-verified	+$217	$95	1.3%	1.3%	1.3%	3.9%	1.3%	1.3%	1.3%	1.3%
British Airways Visa Signature$95 fee · unverifiedChase · not re-verified	+$217	$95	1.3%	1.3%	1.3%	3.9%	1.3%	1.3%	1.3%	1.3%
Iberia Visa Signature$95 fee · unverifiedChase · not re-verified	+$217	$95	1.3%	1.3%	1.3%	3.9%	1.3%	1.3%	1.3%	1.3%
Marriott Bonvoy Bold$0 fee · unverifiedChase · not re-verified	+$192	$0	0.8%	0.8%	0.8%	0.8%	2.4%	0.8%	0.8%	0.8%
Frontier Airlines World Mastercard$89 fee · unverifiedBarclays · not re-verified	+$187	$89	2%	1%	1%	3%	1%	1%	1%	1%
United Explorer Card$150 fee · unverifiedChase · not re-verified	+$181	$150	2.4%	1.2%	1.2%	2.4%	2.4%	1.2%	1.2%	1.2%
Southwest Rapid Rewards Priority Credit Card$229 fee · unverifiedChase · not re-verified	+$161	$229	2.6%	1.3%	2.6%	1.3%	1.3%	1.3%	1.3%	1.3%
Citi Strata Elite$595 fee · verifiedCiti · reviewed 2026-08-21	+$96	$595	4.5%	2.3%	2.3%	2.3%	2.3%	2.3%	2.3%	2.3%
IHG One Rewards Premier Credit Card$99 fee · unverifiedChase · not re-verified	+$87	$99	1%	1%	1%	1%	5%	0.5%	0.5%	0.5%
Atmos Rewards Summit Visa Infinite$395 fee · unverifiedBank of America · not re-verified	+$57	$395	4.4%	1.5%	1.5%	4.4%	1.5%	1.5%	1.5%	1.5%
Chase Sapphire Reserve$795 fee · verifiedChase · reviewed 2026-10-20	+$30	$795	4.5%	1.5%	1.5%	6%	6%	1.5%	1.5%	1.5%
Marriott Bonvoy Bevy$250 fee · unverifiedAmerican Express · not re-verified	+$28	$250	3.2%	0.8%	0.8%	0.8%	4.8%	0.8%	0.8%	0.8%
Capital One Platinum Credit Card$0 fee · verifiedCapital One · reviewed 2026-10-20	+$0	$0	0%	0%	0%	0%	0%	0%	0%	0%
United Quest Card$350 fee · unverifiedChase · not re-verified	-$19	$350	2.4%	1.2%	1.2%	3.6%	2.4%	1.2%	1.2%	1.2%
Delta SkyMiles Platinum$350 fee · unverifiedAmerican Express · not re-verified	-$62	$350	1.2%	1.2%	1.2%	3.6%	1.2%	1.2%	1.2%	1.2%
Bank of America Premium Rewards Elite$550 fee · verifiedBank of America · reviewed 2026-05-22	-$67	$550	2%	1.5%	1.5%	2%	2%	1.5%	1.5%	1.5%
Hilton Honors American Express Aspire Card$550 fee · verifiedAmerican Express · reviewed 2026-10-20	-$118	$550	3.5%	1.5%	1.5%	3.5%	7%	1.5%	1.5%	1.5%
American Express Platinum Card$895 fee · verifiedAmerican Express · reviewed 2026-10-20	-$120	$895	1.5%	1.5%	1.5%	7.5%	1.5%	1.5%	1.5%	1.5%
Citi / AAdvantage Executive World Elite Mastercard$595 fee · unverifiedCiti · not re-verified	-$205	$595	2.6%	1.3%	2.6%	2.6%	1.3%	1.3%	1.3%	1.3%
Delta SkyMiles Reserve$650 fee · unverifiedAmerican Express · not re-verified	-$242	$650	1.2%	1.2%	1.2%	3.6%	1.2%	1.2%	1.2%	1.2%
United Club Infinite Card$695 fee · unverifiedChase · not re-verified	-$364	$695	2.4%	1.2%	1.2%	4.8%	2.4%	1.2%	1.2%	1.2%
Marriott Bonvoy Brilliant$650 fee · unverifiedAmerican Express · not re-verified	-$400	$650	2.4%	0.8%	0.8%	0.8%	4.8%	0.8%	0.8%	0.8%

These are reference households. Run your own.

The optimizer starts from the everyday mix above, lets you change every category, and counts the cards you already hold.

Start With This Household →

How the index is calculated

Net annual value = rewards + usable credits − annual fee. Rewards are spend × earn rate × point value in each category, with published caps applied. A cap shared across categories (AAA Daily Advantage pays at most $500 a year on grocery, gas and wholesale clubs combined) is spread evenly over the year. Signup bonuses are left out because they pay once and would swamp an ongoing comparison.

Credits count only where the household spends. Each credit is valued at a default usage rate (a broad $300 travel credit at 100%, a monthly delivery credit at 30 to 80%) and then only if the household spends in that category, capped at what it spends there. The everyday household has no travel spend, so it gets nothing from travel credits or free-night certificates. Membership and wellness credits never count for a reference household. The same rule drives the net values on every CardSavvy card page. In a multi-card wallet, a credit that needs a charge on the card counts only up to the spend routed to that card, so a card can't join a wallet on credits alone.

Travel is booked direct. Flights and hotels earn each card's rate for booking with the airline or hotel. Bank-portal bonuses (8x on Chase Travel, 5x on prepaid Amex Travel hotels) are left out: portal prices often run higher, and hotel stays booked there usually lose elite benefits. Hotel and airline cards earn their brand rate on the household's hotel or flight spend, which assumes those trips are with that brand.

Point values and the dial. The 15 cards that earn a transferable currency (Amex Membership Rewards, Chase Ultimate Rewards on Sapphire cards, Capital One Venture miles, Citi ThankYou on Strata Premier and Elite, Bilt, Wells Fargo Autograph) start at 1.5¢ a point, and the dial moves them together from 0.50¢ to 2.00¢. Cash back stays at 1¢; airline and hotel points keep their catalog values. A card's net value is a straight line in its point value, so every dial setting is exact. The wallet frontier is an optimization, solved at two settings (cardsavvy point values and every point capped at 1¢, airline and hotel points included); it shows the nearer one. The capped setting is also in the CSV. At CardSavvy values the everyday leader is American Express Gold Card; capped at 1¢ it is Robinhood Gold Visa.

The households. Everyday: $24,000/yr (Grocery $7.2K, Gas $2.4K, Dining $3.6K, Online Shopping $2.4K, Streaming $600, Other $7.8K). Foodie: $26,000/yr (Dining $9K, Grocery $6K, Rideshare $1.2K, Online Shopping $2.4K, Streaming $600, Other $6.8K). Traveler: $28,000/yr (Flights $6K, Hotels $4.8K, Other Travel $1.8K, Dining $4.2K, Grocery $4.8K, Other $6.4K). The Value Map scales each mix from $5K to $100K a year.

The wallet frontier is solved with the same integer program the optimizer runs, limited to k cards, so each column is the best k-card wallet, not the previous wallet plus one card.

Which cards. 92 personal cards anyone can apply for and use anywhere. Business cards and closed products are excluded, and so are cards with a gate: Amazon Prime Store Card (store card, usable only at one retailer), Navy Federal More Rewards American Express (limited to military members and their families), Robinhood Platinum Card (invitation only), Target RedCard Credit Card (store card, usable only at one retailer), USAA Rewards Visa Signature (limited to military members and their families), Verizon Visa Card (requires an existing customer account). Cards are ranked at their public rates; relationship bonuses that need deposits (BofA Rewards, U.S. Bank Smartly's balance tiers) are left out. Rotating 5% categories are modeled at a blended yearly rate and flagged "caps not modeled". A card marked "not re-verified" has catalog terms that were not re-checked against the issuer in the last 180 days.

CardSavvy is uncompensated today: no issuer pays for placement, and compensation never changes the math.

Corrections

Q4 2026 · 2026-10-20

We published this edition, then returned it to draft the same day after a reader checked it against issuer terms. The review was right on most counts. Before it went back up:

Shared caps now apply. AAA Daily Advantage's $500 yearly cap had been counted without limit, and that card set the best no-fee line.
Flights and hotels earn the direct-booking rate. Bank-portal rates had been counted on cards including Sapphire Reserve, Venture X and Savor.
In a multi-card wallet, a credit counts only if spending is routed to that card.
Seven closed cards left the ranking. Cards that need an invitation, an existing account or military service are listed separately.
Transferable points are valued at 1.5¢ across issuers. Amex points had been 2¢ and Chase 1¢.
Row fixes: Capital One Platinum earns no rewards, Apple Card's 2% needs Apple Pay, Marriott Bountiful is a Chase card, Discover it Secured earns rotating 5%, Autograph Journey's flight and hotel rates were swapped, and the Amex Platinum and Sapphire Reserve credits were a year out of date.

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Cite it as CardSavvy Rewards Index, Q4 2026. It is licensed CC BY 4.0: reuse it, including commercially, with a link to this page.

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Q4 2026 (2026-10-20): first edition. 92 cards, three households, point values from 0.50¢ to 2.00¢.

Terms as of 2026-10-20. Issuers change rates, credits and fees without notice. Not financial advice.

What a card is worth depends on two numbers: your spend and your points.