Find the cashback cards that earn you the most
EarnItBack's Card Finder takes what you spend each month by category, where you live, your bank balances and memberships, and the cards you already hold, then picks the set of cards that returns the most after annual fees. It accounts for spending caps shared across categories, bank relationship tiers (such as Bank of America Preferred Rewards) and cards you can hold more than once.
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Cards compared
133 US credit cards, with their annual fee and earning rates.
| Card | Issuer | Annual fee | Earns |
|---|---|---|---|
| Chase Sapphire Reserve® | Chase | $795 | 8× points on travel booked via Chase Travel; 4× points on flights and hotels booked directly; 3× points on dining worldwide; 1× point on all other purchases |
| Chase Sapphire Preferred® Card | Chase | $95 | 5× points on travel booked via Chase Travel; 3× points on dining, takeout, and delivery; 2× points on other travel |
| U.S. Bank Altitude® Reserve | U.S. Bank | $400 | 3× points on eligible mobile wallet purchases (Apple Pay, Google Pay); 3× points on eligible travel |
| American Express Platinum Card® for Schwab | American Express | $895 | 5× points on flights (1.1 cpp via Schwab = 5.5% effective); 5× points on prepaid hotels via Amex Travel (1.1 cpp = 5.5%) |
| American Express Platinum Card® for Morgan Stanley | American Express | $895 | 5× points on flights (1 cpp = 5% effective); 5× points on prepaid hotels via Amex Travel (1 cpp = 5%) |
| Citi Custom Cash℠ Card | Citi | $0 | 5% on your top eligible spend category each billing cycle |
| U.S. Bank Cash+® Visa Signature® | U.S. Bank | $0 | 5% on two categories you choose; 2% on one everyday category you choose |
| Elan Max Cash Preferred | Elan Financial Services | $0 | 5% on two categories you choose; 2% on one everyday category you choose |
| U.S. Bank Altitude® Go | U.S. Bank | $0 | 4× points on dining, takeout, and restaurant delivery; 2× points on grocery, gas, and streaming |
| American Express® Gold Card | American Express | $325 | 4× points at restaurants worldwide (up to $50k/yr); 4× points at U.S. supermarkets (up to $25k/yr); 3× points on flights booked directly or via Amex Travel; 2× points on prepaid hotels/travel via Amex Travel |
| Blue Cash Preferred® Card | American Express | $95 | 6% Cash Back at U.S. Supermarkets; 6% Cash Back on select U.S. streaming subscriptions; 3% Cash Back on Transit and U.S. Gas Stations |
| Blue Cash Everyday® Card | American Express | $0 | 3% Cash Back at U.S. Supermarkets; 3% Cash Back on U.S. Online Retail; 3% Cash Back at U.S. Gas Stations |
| Capital One Savor Cash Rewards | Capital One | $0 | 3% on Dining, Entertainment, Streaming, and Groceries; 5% on hotels and rental cars via Capital One Travel |
| BMO Harris Cash Back Mastercard® | BMO | $0 | 5% on Streaming, Cable TV, and Satellite services; 3% on Groceries and Gas |
| Redstone FCU Visa Signature | Redstone FCU | $0 | 5% on rotating quarterly categories ($1,500/quarter cap) |
| AAA Daily Advantage Visa Signature® | Comenity | $0 | 5% on Groceries; 3% on Gas/EV, Clubs, Streaming, Pharmacy, AAA |
| AAA Travel Advantage Visa Signature® | Comenity | $0 | 5% on Gas and EV Charging; 3% on Travel, Dining, Grocery, AAA |
| Chase Freedom Unlimited® | Chase | $0 | 5% on travel booked through Chase; 3% on dining and at drugstores |
| Wells Fargo Autograph℠ Visa® | Wells Fargo | $0 | 3× points on Travel, Gas, Dining, Transit, Streaming, Phone |
| Wells Fargo Autograph Journey℠ Card | Wells Fargo | $95 | 4× points on hotels and airlines; 3× points on restaurants and other travel (rental cars, cruises, travel agencies) |
| Capital One Venture X | Capital One | $395 | 5× miles on travel via Capital One Travel (10× on hotels/cars) |
| Prime Visa | Chase | $0 | 5% at Amazon (standard); 6% at Amazon (with No-Rush/Same-Day delivery); 5% at Whole Foods; 5% on Chase Travel; 2% at restaurants, gas, and transit |
| Amazon Visa | Chase | $0 | 3% at Amazon, Whole Foods, and Chase Travel; 2% at restaurants, gas, and transit |
| Costco Anywhere Visa® by Citi | Citi | $0 | 4% on eligible gas/EV (worldwide); 3% on dining and travel; 2% on Costco purchases |
| Sam's Club Mastercard | Synchrony | $0 | 5% on Gas & EV Charging; 3% on Dining & Travel |
| Robinhood Gold Card | Robinhood | $50 | 5% on travel booked via Robinhood |
| Robinhood Platinum Card | Robinhood | $695 | 10% on hotels & rental cars booked in the Robinhood app; 5% on flights booked in the Robinhood app; 5% on dining (up to $50k/year) |
| U.S. Bank Smartly® Visa Signature® | U.S. Bank | $0 | 2-4% on all purchases (first $10k/month, rate based on qualifying balance) |
| U.S. Bank Smartly® Visa Signature® (converted from Kroger) | U.S. Bank | $0 | 2-4% on all purchases (first $10k/month, rate based on qualifying balance) |
| Bank of America® Customized Cash Rewards | Bank of America | $0 | 3% in choice category (6% for the first year); 2% at grocery/clubs |
| Bank of America® Unlimited Cash Rewards | Bank of America | $0 | |
| Bank of America® Premium Rewards® Elite | Bank of America | $550 | 2 points on Travel and Dining (3.5 pts with Plat Honors) |
| Chase Ink Business Cash® | Chase | $0 | 5% on Office Supply Stores and Telecom; 2% on Gas and Dining |
| U.S. Bank Shopper Cash Rewards® | U.S. Bank | $95 | 6% at two retailers (e.g. Amazon, Walmart, Target); 3% in one everyday category; 5.5% on hotels/cars booked via U.S. Bank |
| Samsung Galaxy Card | Barclays | $0 | 5% at Samsung (Samsung.com, Shop app, Experience Store, Galaxy Store, Smart TV Store, Care+, SmartThings); 3% on anything paid through Samsung Wallet — uncapped; 2% on eligible streaming services |
| Verizon Visa® Card | Synchrony | $0 | 4% on Groceries and Gas; 3% on Dining; 2% on Verizon purchases |
| Fidelity® Rewards Visa Signature® | Elan | $0 | |
| SoFi Unlimited 2% Credit Card | SoFi | $0 | |
| SoFi Smart Credit Card | SoFi | $0 | 5% on Groceries, uncapped |
| Apple Card | Goldman Sachs | $0 | 2% on all Apple Pay purchases; 3% at Apple and Select Merchants via Apple Pay |
| GreenState CU World Mastercard | GreenState CU | $0 | 5% on Hotels and Airfare |
| Huntington Voice Business | Huntington | $0 | 4% in one choice category |
| Abound CU Visa Platinum | Abound CU | $0 | 5% on Gas at pump (effectively unlimited for personal use); 5% on Rotating Categories ($2k/quarter cap) |
| Langley Signature Cash Back Visa | Langley Federal Credit Union | $0 | 3% on gas & EV charging (unlimited); 2% at groceries & wholesale clubs (unlimited); 5% on your chosen monthly category (up to $100 back/mo) |
| Bread Cashback™ American Express® | Comenity | $0 | |
| Navy Federal cashRewards+ Visa | Navy Federal | $0 | |
| Logix FCU Platinum Rewards | Logix FCU | $0 | |
| Bellco Credit Union Blue Diamond | Bellco | $0 | |
| Synchrony Premier Mastercard | Synchrony | $0 | |
| U.S. Bank Altitude® Connect | U.S. Bank | $0 | 4× points on Travel, Gas, and EV Charging; 2× points on Grocery, Dining, Streaming |
| Visa Reserve Rewards+ | Elan | $390 | 6× points on Travel Center bookings |
| OceanAir Epic Rewards Visa | OceanAir | $0 | 4.5× on gas; 4.5× on travel, hotels; 3.6× on costco, wholesale_clubs; 2.7× on groceries; 2.7× on restaurants; 1.8× on utilities; 1.8× on streaming |
| PCMCU Rewards Mastercard | PCMCU | $0 | 5% on all purchases (first $1000/month) |
| USAA Limitless Cashback Rewards | USAA | $0 | |
| USAA Cashback Rewards Plus Amex | USAA | $0 | 5% on gas and military base purchases ($3k/yr cap); 2% on groceries ($3k/yr cap) |
| Navy Federal More Rewards Amex | Navy Federal | $0 | 3× points on Dining and Food Delivery; 3× points on Supermarkets; 3× points on Gas and Transit |
| U of I Community CU Visa Signature Cashback | U of I Community Credit Union | $0 | 5% on Gas and Travel; 2% on Groceries and Restaurants |
| Golden 1 Member Cash Rewards+ | Golden 1 Credit Union | $0 | 4% on Gas and EV Charging ($5k/yr cap, then 1%); 3% on Groceries, Restaurants, and Food Delivery |
| NIHFCU Visa Signature Cash Rewards | NIH Federal Credit Union | $0 | 3% on Gas, Groceries, Utilities, EV, Wholesale Clubs, Rideshare (4% first year) |
| NIHFCU Visa Signature Travel Rewards | NIH Federal Credit Union | $0 | 3× points on Travel, Dining, Gas, EV, Rideshare |
| Farmers Insurance FCU Crystal Visa | Farmers Insurance FCU | $99 | 2.5% on all purchases (first $10k/month, 3% first year) |
| Affinity FCU Cash Rewards Visa Signature | Affinity Federal Credit Union | $0 | 5% on Amazon ($1k/month cap); 2% on Supermarkets, Restaurants, Gas, Streaming, Rideshare |
| Bay Federal CU Coastal Cash Visa Signature | Bay Federal Credit Union | $0 | 3% on Groceries and Drug Stores (UNLIMITED); 2% on Gas, EV Charging, and Streaming |
| Andrews FCU Titanium Rewards Visa Signature | Andrews Federal Credit Union | $0 | 3× points on Gas and Groceries |
| Andrews FCU Supreme Rewards Visa Signature | Andrews Federal Credit Union | $0 | 4× points on Streaming, Gaming, Entertainment; 2× points on Gas, EV, Transit, Rideshare; 2× points on Dining, Groceries, Food Delivery |
| Signature FCU Visa Signature | Signature Federal Credit Union | $0 | 6% on Streaming ($166/mo cap = $10/mo max cashback) |
| Aerospace FCU Platinum Visa Cash Back | Aerospace Federal Credit Union | $0 | 5% on Gas (annual cap applies); 4% on Dining and Entertainment (annual cap applies); 3% on Travel (annual cap applies); 2% on Groceries |
| BankFund BEYOND Visa® Signature | BankFund | $0 | 5% on Air Travel; 3% on Hotels, Airbnb, VRBO; 3% on Restaurants; 2% on Car Rentals |
| Stanford Tech Card | Stanford Federal Credit Union | $0 | 5% (3X + 2% Ambassador) on Amazon, Google, Apple - $4k/year combined cap; 4% (2X + 2% Ambassador) on Dining/Groceries - $3k/year combined cap |
| Commerce Bank Special Connections® | Commerce Bank | $0 | 4% on Streaming and Cable; 3% at Restaurants, Fast Food, Coffee; 2% at Gas Stations and Groceries |
| Hawaii State FCU Always Cash Visa Signature® | Hawaii State FCU | $0 | 2.5% on first $5,000/billing cycle |
| Chartway Visa® Rewards Card | Chartway Credit Union | $0 | 5x points on Dining and Restaurants; 3x points on Fuel |
| BCU Travel Rewards+ Visa® | BCU | $95 | 5X on flights ($5k/year cap, then 1.5X); 4X on hotels & car rentals ($5k/year cap, then 1.5X); 3X on dining ($5k/year cap, then 1.5X) |
| Shop Your Way® 5321 Visa® | Citi | $0 | 5% on Gas, EV Charging, Tolls, Car Washes, Transit, Rideshare; 3% on Groceries, Dining, Travel (Flights, Hotels, Rental Cars); 2% on Shop Your Way Partner purchases |
| UCCU 4-3-2-1 Everyday Cash Back Visa | UCCU | $0 | 4% on Subscriptions including Utilities; 3% on Gas; 2% on Groceries (including Costco and Sam's Club) |
| UCCU 4-3-2-1 Travel Cash Back Visa | UCCU | $50 | 4% on Travel; 3% on Gas; 2% on Restaurants |
| PayPal Debit Mastercard | PayPal | $0 | 5% on one category you choose each month |
| Bank of America® Premium Rewards® | Bank of America | $95 | 2× points on travel and dining |
| Delta SkyMiles® Reserve American Express Card | American Express | $650 | 3× miles on Delta purchases |
| Delta SkyMiles® Reserve Business American Express Card | American Express | $650 | 3× miles on Delta purchases; 1.5× miles on transit, US shipping, US office supply stores |
| Business Platinum Card® from American Express | American Express | $895 | 5× points on flights and prepaid hotels via Amex Travel; 2× on key business categories or purchases $5k+ |
| Marriott Bonvoy Brilliant® American Express® Card | American Express | $650 | 6× points at Marriott Bonvoy hotels; 3× at restaurants worldwide and flights booked directly |
| The Ritz-Carlton™ Credit Card | Chase | $450 | 5× points at Marriott Bonvoy hotels; 2× points at restaurants worldwide and on flights booked directly |
| United Club℠ Card | Chase | $695 | 4× miles on United purchases; 5× miles on Renowned Hotels and Resorts; 2× miles on all travel and dining |
| Citi® / AAdvantage® Executive World Elite Mastercard® | Citi | $595 | 4× miles on American Airlines (5× after $150k spend); 10× miles on AAdvantage Hotels and Cars bookings |
| Citi Strata Elite℠ Card | Citi | $595 | 12× on hotels, car rentals, attractions via cititravel.com; 6× on air travel via cititravel.com; 3× at restaurants (6× on Citi Nights, Fri–Sat 6 PM–6 AM) |
| Citi Double Cash® Card | Citi | $0 | 5% total on hotels, car rentals and attractions booked via Citi Travel |
| Wells Fargo Active Cash® Card | Wells Fargo | $0 | |
| Chase Freedom Flex® | Chase | $0 | 5% on rotating quarterly categories (activate each quarter, $1,500/quarter cap); 5% on travel booked through Chase Travel; 3% on dining (incl. takeout and delivery) and at drugstores |
| Discover it® Cash Back | Discover | $0 | 5% on rotating quarterly categories (activate each quarter, $1,500/quarter cap) |
| Capital One Quicksilver Cash Rewards | Capital One | $0 | 5% on hotels, vacation rentals and rental cars booked through Capital One Travel |
| PayPal Cashback Mastercard® | Synchrony | $0 | |
| Alliant Cashback Visa Signature® | Alliant Credit Union | $0 | |
| Chase Freedom Rise® | Chase | $0 | |
| Bilt Blue Card | Bilt | $0 | Up to 3× on hotels via Bilt Travel (2× flights); 3× on Lyft (linked accounts) |
| Bilt Obsidian Card | Bilt | $95 | 3× on dining (if chosen as your 3× category); 3× on groceries (if chosen; up to $25k/yr, then 1×); Up to 4× on hotels via Bilt Travel (3× flights); 2× on other travel |
| Bilt Palladium Card | Bilt | $495 | Up to 4× on hotels via Bilt Travel (3× flights); 4× on Lyft |
| Capital One Venture Rewards | Capital One | $95 | 5× miles on hotels, vacation rentals and rental cars via Capital One Travel |
| Citi Strata Premier® Card | Citi | $95 | 10× on hotels, car rentals and attractions booked on cititravel.com; 3× on air travel, other hotels, restaurants, supermarkets, gas and EV charging |
| Atmos™ Rewards Summit Visa Infinite® Card | Atmos Rewards | $395 | 3× on dining (also 3× on Alaska/Hawaiian purchases and foreign transactions) |
| Atmos™ Rewards Ascent Visa Signature® Card | Atmos Rewards | $95 | 2× on gas/EV charging, local transit (incl. rideshare), cable and select streaming (3× on Alaska/Hawaiian) |
| United Quest℠ Card | Chase | $350 | 4× miles on United purchases (10× total on United fares incl. MileagePlus 6×); 5× miles on Renowned Hotels and Resorts prepaid via Chase Travel; 2× miles on all other travel, dining and select streaming |
| United℠ Explorer Card | Chase | $150 | 3× miles on United purchases (9× total on United fares incl. MileagePlus 6×); 2× miles on hotel stays booked directly and on dining |
| World of Hyatt Credit Card | Chase | $95 | 2× at restaurants, on airline tickets bought direct, local transit/commuting and gym memberships (4× at Hyatt) |
| IHG One Rewards Premier Credit Card | Chase | $150 | 5× at grocery stores, gas stations, dining and travel (10× at IHG; other travel drops to 3× after 12/31/2026) |
| Marriott Bonvoy Boundless® Credit Card | Chase | $95 | 6× points at Marriott Bonvoy hotels; 3× on the first $6,000/yr combined at grocery stores, gas stations and dining |
| Southwest Rapid Rewards® Priority Credit Card | Chase | $229 | 2× at gas stations and restaurants (4× on Southwest purchases) |
| Ink Business Preferred® Credit Card | Chase | $95 | 3× on first $150k/yr combined: travel, shipping, internet/cable/phone and social/search advertising |
| Chase Sapphire Reserve for Business℠ | Chase | $795 | 8× on Chase Travel purchases, including The Edit; 4× on flights and hotels booked direct (3× on social/search advertising) |
| The Platinum Card® from American Express | American Express | $895 | 5× points on flights booked directly with airlines or via Amex Travel (up to $500k/yr); 5× points on prepaid hotels booked on AmexTravel.com |
| American Express® Green Card (Classic Green Card) | American Express | $150 | 3× on travel, transit and restaurants worldwide |
| Delta SkyMiles® Platinum American Express Card | American Express | $350 | 3× miles on Delta purchases; 3× miles on purchases made directly with hotels; 2× miles at restaurants and U.S. supermarkets |
| Delta SkyMiles® Gold American Express Card | American Express | $150 | 2× miles on Delta purchases; 2× miles at restaurants and U.S. supermarkets |
| Hilton Honors American Express Aspire Card | American Express | $550 | 7× on flights booked direct or via Amex Travel, select car rentals and U.S. restaurants (14× at Hilton) |
| Hilton Honors American Express Surpass® Card | American Express | $150 | 6× at U.S. restaurants, U.S. supermarkets and U.S. gas stations (12× at Hilton); 4× on U.S. online retail purchases |
| American Express® Business Gold Card | American Express | $375 | 4× on your top 2 eligible categories each billing cycle (first $150k/yr combined); 3× on flights and prepaid hotels booked on AmexTravel.com |
| Delta SkyMiles® Platinum Business American Express Card | American Express | $350 | 3× miles on Delta purchases; 3× miles on purchases made directly with hotels; 1.5× miles on transit, U.S. shipping and purchases of $5,000+ (up to $100k/yr) |
| The Hilton Honors American Express Business Card | American Express | $195 | 5× on eligible purchases, first $100k/yr, then 3× (12× at Hilton) |
| Marriott Bonvoy Business® American Express® Card | American Express | $125 | 6× points at Marriott Bonvoy hotels; 4× at restaurants worldwide, U.S. gas stations, U.S. wireless and U.S. shipping |
| The Platinum Card® (UK) | American Express | $650 | 2× points on amextravel.co.uk |
| The American Express® Business Platinum Card (UK) | American Express | $650 | 2× points on amextravel.co.uk |
| American Express® Preferred Rewards Gold Credit Card (UK) | American Express | $195 | 3× points on amextravel.co.uk; 2× on flights booked directly and foreign currency |
| American Express Platinum Business Card (AU) | American Express | $1750 | 2.25 Membership Rewards points per $1 on eligible purchases; 1 point per $1 on ATO and government-related spend |
| American Express Qantas Business Rewards Card (AU) | American Express | $450 | 2 Qantas Points per $1 on Qantas products and services; 1.25 Qantas Points per $1 on everyday business spend (drops to 0.75 after 500k points/year); 0.5 Qantas Points per $1 on government, utilities, and insurance |
| American Express Business Explorer Credit Card (AU) | American Express | $149 | 2 Membership Rewards points per $1 on eligible purchases; 1 point per $1 on ATO and government spend |
| American Express Velocity Business Card (AU) | American Express | $249 | 2 Velocity Points per $1 on travel with Virgin Australia; 1 Velocity Point per $1 on everyday business spend; 0.5 Velocity Points per $1 on ATO and government spend |
| American Express Platinum Card (AU) | American Express | $1450 | 2.25 Membership Rewards points per $1 on purchases; 1 point per $1 on purchases at government bodies |
| American Express Explorer Credit Card (AU) | American Express | $395 | 2 Membership Rewards points per $1 on purchases; 1 point per $1 on purchases at government bodies |
| Qantas American Express Ultimate Card (AU) | American Express | $450 | 2.25 Qantas Points per $1 on eligible Qantas products and services; 1.25 Qantas Points per $1 on everyday purchases (drops to 1 after 100k points/year); 0.5 Qantas Points per $1 on purchases at government bodies |
| Westpac Altitude Black Credit Card (AU) | Westpac | $295 | 3 Altitude Points per $1 (drops to 0.5 after $10k/statement cycle) |
| Business Platinum Card from American Express (CA) | American Express | $799 | 1.25 Membership Rewards points per $1 on all purchases |
| American Express Aeroplan Business Reserve Card (CA) | American Express | $599 | 3x Aeroplan points per $1 on Air Canada and Air Canada Vacations; 2x Aeroplan points per $1 on hotels and car rentals in Canada; 1.25x Aeroplan points per $1 on everything else |
| American Express Gold Rewards Card (CA) | American Express | $250 | 2x points per $1 on travel (flights, hotels, car rentals, cruises); 2x points per $1 on gas, groceries, and drugstores in Canada; 3x points per $1 on hotels/car rentals via Amex Travel Online (2x + 1x bonus); 1x point per $1 on everything else |
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