Catalogue

The 34 cards we track, and what each one really earns

Every rate on these pages is read from the issuer’s own published page and re-checked automatically, with the date of the last check shown on every card. We track a curated catalogue rather than every card on the market, and we say so on every page.

By category

American Express

CardAnnual feeBest rateChecked
Amex Blue Cash Preferred $95 Groceries 2026-09-02
Amex Business Gold $375 6.8¢ Gas 2026-09-02
Amex Business Platinum $895 8.5¢ Flights 2026-09-02
Amex Gold $325 8.5¢ Portal hotels 2026-09-01
Amex Platinum $895 8.5¢ Hotels 2026-09-01

American Express / Delta

CardAnnual feeBest rateChecked
Delta SkyMiles Gold Amex $150 2.4¢ Dining 2026-09-01

American Express / Hilton

CardAnnual feeBest rateChecked
Hilton Honors Amex Surpass $150 Hotels 2026-09-01

Bank of America / Alaska

CardAnnual feeBest rateChecked
Atmos Rewards Ascent Visa Signature $95 4.2¢ Flights 2026-09-02

Bilt

CardAnnual feeBest rateChecked
Bilt Obsidian Card $95 7.2¢ Portal hotels 2026-09-01
Bilt Palladium Card $495 Dining 2026-09-02

Bilt / Wells Fargo

CardAnnual feeBest rateChecked
Bilt Blue Card 7.2¢ Dining 2026-09-02

Capital One

CardAnnual feeBest rateChecked
Capital One SavorOne $39 Portal travel 2026-09-01
Capital One Spark Cash Plus $150 Flights 2026-09-01
Capital One Venture $95 Hotels 2026-09-01
Capital One Venture Business $95 Hotels 2026-09-01
Capital One Venture X $395 16¢ Portal hotels 2026-09-01
Capital One Venture X Business $395 16¢ Hotels 2026-09-01

Chase

CardAnnual feeBest rateChecked
Chase Freedom Unlimited Hotels 2026-09-02
Chase Ink Business Cash Dining 2026-09-01
Chase Ink Business Preferred $95 5.4¢ Flights 2026-09-01
Chase Ink Business Premier $195 Flights 2026-09-01
Chase Ink Business Unlimited 1.5¢ Groceries 2026-09-01
Chase Sapphire Preferred $95 Portal travel 2026-09-02
Chase Sapphire Reserve $795 14.4¢ Portal travel 2026-09-02
Chase Sapphire Reserve for Business $795 14.4¢ Portal travel 2026-09-01

Chase / Hyatt

CardAnnual feeBest rateChecked
World of Hyatt $95 6.8¢ Hotels 2026-09-01

Chase / Marriott

CardAnnual feeBest rateChecked
Marriott Bonvoy Boundless $95 4.2¢ Hotels 2026-09-01

Chase / Southwest

CardAnnual feeBest rateChecked
Southwest Rapid Rewards Plus $99 2.6¢ Flights 2026-09-01

Chase / United

CardAnnual feeBest rateChecked
United Explorer $150 3.9¢ Flights 2026-09-01

Citi

CardAnnual feeBest rateChecked
Citi Double Cash Portal travel 2026-09-02
Citi Strata Premier $95 15¢ Portal travel 2026-09-01

Citi / American Airlines

CardAnnual feeBest rateChecked
Citi AAdvantage Platinum Select $99 2.6¢ Dining 2026-09-02

Discover

CardAnnual feeBest rateChecked
Discover it Cash Back Gas 2026-09-01

Wells Fargo

CardAnnual feeBest rateChecked
Wells Fargo Autograph Dining 2026-09-02

Cards whose issuer page we could not reach on the most recent check are not listed, because a freshness date we cannot stand behind is worse than no page at all.

Disclosure — some Apply links pay us. Some of the cards listed here carry a referral link and some do not; each card’s own page says which. Where one exists, applying through it earns a referral reward for MaxMyPoints or for someone here, at no cost to you, and the offer through it is sometimes better than the issuer’s public one. Rates here are read from each issuer’s own published page, and the audit ranks cards on published rates and your own spending, and never reads which cards carry a referral link. These pages carry no application links.

This page ranks categories. Your statements know what you actually bought.

A table of published rates can tell you which card is best in theory. It cannot tell you what last year cost you, because it has never seen a line of your spending. The audit reads a full 12 months and prices every purchase against the card you used and the card you should have.

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