Banks pay you to use cards.

No annual fee · 670+ credit

Welcome Offer

$200

Spend $500 in 3 months

Capital One Savor Rewards

1% cash back

3%3%3%

$3/mo Peacock$10/mo Instacart

$3/mo Transit$5/mo Lyft

AmazonPayPal

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$95 a year · 670+ credit

Welcome Offer

$600

Spend $4,000 in 3 months

Citi Strata Premier

1% cash back

3%3%3%3%

$100/yr Citi Travel hotel discount

$10/mo Instacart$3/mo Mastercard Transit

$5/mo Lyft$3/mo Peacock

American AirlinesAvianca LifeMilesCathay PacificEmiratesEtihadEVA AirFlying BlueJapan AirlinesJetBlueQantasQatar AirwaysSingapore AirlinesThaiTurkish AirlinesVirgin Atlantic

AccorChoiceI PreferLeading Hotels of the WorldWyndham

AmazonPayPalWalmartWalgreens

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$895 a year · 670+ credit

Welcome Offer

$800

Spend $8,000 in 6 months

American Express The Platinum Card

1% cash back

$219/yr CLEAR Plus Credit$13/mo Walmart+ Credit$17/mo Uber Cash$75/qtr lululemon Credit

$300/half-year Hotel Credit$200/yr Airline Fee Credit$300/yr Equinox Credit

$100/qtr Resy Credit$100/yr Uber One Credit$200/yr Oura Ring Credit$25/mo Digital Entertainment Credit

Aer LingusAeromexicoAir Canada AeroplanANAAvianca LifeMilesBritish AirwaysCathay PacificDeltaEmiratesFlying BlueIberiaJetBlueQantasQatar AirwaysSingapore AirlinesVirgin Atlantic

ChoiceHiltonLeading Hotels of the WorldMarriott

AmazonApple PayPayPalBest BuyDellGrubhub

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Ranked on two years of value for a typical U.S. household (about $1,800 a month on cards, BLS 2024): welcome offer, earning, half of credits, minus fees. Points valued at 1¢ each.