Find the best card for your spending
Set your spend per category, or start from a style. Cards rank by net annual value after the fee.
Start from a style:
Show amounts as:
Tip: add the cards you own to compare just your wallet.
Ranked by estimated net annual value
Each card shows every figure: rewards on your spend minus the annual fee, with no credits; that plus the credits the categories you entered could use, never more than you spend there; that plus every recurring credit at full value, which is what you would get if you used all of them. Ranked by rewards on your spend minus the annual fee, with no credits.
Rankings cover the 84 cards we track today. We add cards by demand: missing one? Request it.
1
Chase Freedom Flex
+$36 rewards
+$40 credits matching your spend
Best for: Dining
Everyday perks
DoorDash $40/yr
Caviar
Lyft
Sign-up bonus
$250 statement credit (~$250 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $36 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Up to $10 off quarterly on one qualifying non-restaurant DoorDash order for DashPass members through Dec 31, 2027. | Counted | $40/yr |
2
Chase Freedom Unlimited
+$36 rewards
+$40 credits matching your spend
Best for: Dining
Everyday perks
DoorDash $40/yr
Caviar
Amazon.com
Lyft
Sign-up bonus
$200 cash bonus (20,000 points) (~$200 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $36 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. | Counted | $40/yr |
3
Costco Anywhere Visa Card by Citi
Best for: Dining
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $36 |
4
JetBlue Card
Best for: Dining
Sign-up bonus
10,000 points (~$135 first-year value)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $32 |
5
Citi Strata Card
Best for: Dining
Sign-up bonus
20,000 points (~$266 first-year value)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $32 |
6
VentureOne Rewards
+$28 rewards
+$50 credits matching your spend
Everyday perks
Capital One Café $50/yr
Hertz
Capital One Entertainment
Capital One Travel
Sign-up bonus
20,000 miles (~$370 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1.25x base rate on everything else (no dining bonus) | $28 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide | Counted | $50/yr |
7
The Ritz Carlton Card
Best for: Dining
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $27 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Up to $300 in statement credits per calendar year for qualifying airline purchases such as baggage fees, seat upgrades, in-flight purchases, and lounge memberships or passes. | Not counted | $300/yr |
$27
net / year, earning minus fee
up to $327 if you use every credit
Not available
8
Bilt Blue Card
Everyday perks
Lyft
Sign-up bonus
$100 Bilt Cash (~$100 first-year value)
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $26 |
9
Amazon Prime Card
Best for: Dining
Everyday perks
Amazon.com
Sign-up bonus
$150 statement credit (~$150 first-year value)
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $24 |
10
Citi Double Cash Card
Sign-up bonus
$200 statement credit (~$200 first-year value)
after $1,500 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $24 |
11
Fidelity Rewards Visa Signature Card
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $24 |
12
U.S. Bank Smartly Visa Signature Card
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $24 |
13
Wells Fargo Active Cash Card
Everyday perks
The Hotel Collection
Sign-up bonus
$100 statement credit (~$100 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $24 |
14
Discover it Chrome
Best for: Dining
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants first $1,000/yr at 2x, remainder at 1x |
$22 |
15
IHG One Rewards Credit Card
+$22 rewards
+$120 credits matching your spend
Best for: Dining
Everyday perks
DoorDash $120/yr
Instacart $10/yr
Sign-up bonus
125,000 points + 10,000 bonus points after adding an authorized user to your account in the first 3 months from account opening (~$750 for the points)
after $2,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $22 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| One-year complimentary DashPass by DoorDash ($120/year in value), providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Automatically enrolled at current monthly rate afterward. Activate by Dec 31, 2027. | Counted | $120/yr |
| DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. | Not counted | $40/yr |
| Receive a monthly $10 Instacart credit, up to $120 annually, with an active Instacart+ membership. | Not counted | $10/yr |
$22
net / year, earning minus fee
$142 with credits you'd likely use
up to $192 if you use every credit
Apply
16
Discover it Miles
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1.5x base rate on everything else (no dining bonus) | $18 |
17
American Airlines AAdvantage MileUp Card
Sign-up bonus
15,000 miles + $100 statement credit (~$318 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $17 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights. | Not counted | $25/yr |
18
United Gateway Card
Sign-up bonus
40,000 miles + Authorized user addition bonus (~$480 for the miles)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $14 |
19
Blue Cash Everyday Card
Everyday perks
Streaming credits $84/yr
PayPal
Venmo
Sign-up bonus
$200 statement credit (~$200 first-year value)
after $2,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $12 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get up to a $7 monthly statement credit (up to $84 total) after using your enrolled Blue Cash Everyday Card for a subscription purchase, including a bundle subscription, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. | Not counted | $84/yr |
20
Discover it Card
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $12 |
21
Wells Fargo Attune World Elite Mastercard
Sign-up bonus
$100 statement credit (~$100 first-year value)
after $500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $12 |
$12
net / year, earning minus fee
Not available
22
Marriott Bonvoy Bold Card
+$9 rewards
+$10 credits matching your spend
Everyday perks
DoorDash $10/yr
Caviar
Sign-up bonus
45,000 points (~$338 first-year value)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $9 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Redeem Marriott Bonvoy points for a statement credit on qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year, at a value of $100 for every 12,500 points. | Not counted | $750/yr |
| Once enrolled in DashPass via the Marriott Bonvoy Bold Credit Card, receive $10 off one qualifying non-restaurant order on DoorDash each calendar quarter, applied to subtotal only. | Counted | $10/yr |
$9
net / year, earning minus fee
$19 with credits you'd likely use
up to $769 if you use every credit
Apply
23
Capital One SavorOne
+$36 rewards
−$39 fee
Best for: Dining
Everyday perks
Capital One Café
Capital One Entertainment
Capital One Travel
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $36 |
24
Bilt Obsidian Card
+$79 rewards
−$95 fee
Best for: Dining
Everyday perks
Lyft
Sign-up bonus
$200 Bilt Cash (~$200 first-year value)
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $79 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| $100 Bilt Travel Hotel credit, applied twice a year as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings | Not counted | $100/yr |
25
Chase Sapphire Preferred
+$74 rewards
+$120 credits matching your spend
−$95 fee
Best for: Dining
Everyday perks
DoorDash $120/yr
Chase Travel $100/yr
Global Entry/TSA PreCheck $30/yr shared by 2
NEXUS
Lyft
Peloton
Sign-up bonus
75,000 points (~$1,538 first-year value)
after $5,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $74 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more. | Counted | $120/yr |
| Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. | Not counted | $100/yr |
| Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for Global Entry, TSA PreCheck, or NEXUS. | Not counted | $30/yr |
$-21
net / year, earning minus fee
$99 with credits you'd likely use
up to $229 if you use every credit
Apply
26
Citi Strata Premier Card
+$68 rewards
−$95 fee
Best for: Dining
Sign-up bonus
60,000 points (~$1,140 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $68 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or 1-833-737-1288. Benefit applied instantly at time of booking. after $500 spend |
Not counted | $0/yr |
27
Wells Fargo Autograph Journey Card
+$63 rewards
−$95 fee
Best for: Dining
Sign-up bonus
60,000 points (~$1,050 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $63 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| $50 annual statement credit with $50 minimum airline purchase each cardmember year. after $50 spend |
Not counted | $0/yr |
28
Capital One Venture Rewards Card
+$44 rewards
−$95 fee
Everyday perks
Capital One Café
Capital One Travel $300/yr
Lifestyle Collection (Capital One Travel) $50/yr
Global Entry/TSA PreCheck $30/yr
Hertz
Capital One Entertainment
Sign-up bonus
75,000 miles + $300 Capital One Travel Stays credit (~$1,388 for the miles)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $44 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| One-time $300 Capital One Travel Stays credit to use toward hotel and vacation rental bookings through Capital One Travel in your first cardholder year. | Not counted | $300/yr |
| Receive a $50 experience credit on every Lifestyle Collection hotel or vacation rental stay booked through Capital One Travel. | Not counted | $50/yr |
| Receive up to a $120 statement credit when you use your Venture card to apply for Global Entry or TSA PreCheck®. One statement credit processed per account every 4 years. | Not counted | $30/yr |
29
World of Hyatt Credit Card
+$40 rewards
+$10 credits matching your spend
−$95 fee
Best for: Dining
Everyday perks
DoorDash $10/yr
Caviar
Hyatt
Sign-up bonus
60,000 points (~$990 first-year value)
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $40 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Once DashPass is activated, receive up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through Dec 31, 2027. | Counted | $10/yr |
30
AAdvantage Platinum Select World Elite Mastercard
+$35 rewards
−$99 fee
Best for: Dining
Everyday perks
Turo $30/yr
Sign-up bonus
80,000 miles (~$1,160 first-year value)
after $3,500 spend in 120 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $35 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Earn up to $30 in statement credits for each eligible Turo trip completed from October 19, 2025 to October 18, 2026, up to $180 statement credits in total. Must link card to Turo account and pay with the card. | Not counted | $30/yr |
31
JetBlue Plus Card
+$32 rewards
−$99 fee
Best for: Dining
Sign-up bonus
70,000 points (~$945 first-year value)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $32 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more with your JetBlue Plus Card. Limit one statement credit per year. after $100 spend |
Not counted | $0/yr |
32
Marriott Bonvoy Boundless Card
+$27 rewards
+$10 credits matching your spend
−$95 fee
Best for: Dining
Everyday perks
DoorDash $10/yr
Caviar
Sign-up bonus
3 Free Night Awards
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $27 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive $10 off each calendar quarter on one qualifying non-restaurant DoorDash order while enrolled in DashPass, through Dec 31, 2027. | Counted | $10/yr |
| Special Offer: Get up to $100 in statement credits after spending $500 on eligible airline purchases, up to $50 semi-annually. after $500 spend |
Not counted | $0/yr |
33
Bank of America Premium Rewards Card
+$24 rewards
−$95 fee
Best for: Dining
Everyday perks
Global Entry/TSA PreCheck $25/yr
The Hotel Collection
Sign-up bonus
60,000 points (~$600 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $24 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Up to $100 in Airline Incidental Statement Credits annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees, automatically applied to your card statement | Not counted | $100/yr |
| Up to $100 in Airport Security Statement Credits for TSA PreCheck or Global Entry application fees, every four years | Not counted | $25/yr |
34
Atmos Rewards Ascent Visa Signature Card
+$19 rewards
−$95 fee
Sign-up bonus
50,000 points + $99 Companion Fare (plus taxes and fees from $23) (~$775 for the points)
after $1,500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $19 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get $100 off an annual Alaska Lounge+ Membership purchased with your card. | Not counted | $100/yr |
35
Blue Cash Preferred
+$12 rewards
−$95 fee
Everyday perks
Streaming credits $120/yr
Sign-up bonus
$300 statement credit (~$300 first-year value)
after $3,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $12 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, up to $120 per year. | Not counted | $120/yr |
36
Southwest Rapid Rewards Plus Credit Card
+$15 rewards
+$10 credits matching your spend
−$99 fee
Everyday perks
DoorDash $10/yr
Caviar
Instacart $120/yr
Sign-up bonus
50,000 points (~$625 first-year value)
after $1,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $15 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| One $10 credit per month in the Instacart App for active Instacart+ members, valid on one purchase of $10 or more on Instacart.com, from 5/1/2025 through 12/31/2027. | Not counted | $120/yr |
| $10 off each calendar quarter at checkout on one qualifying non-restaurant DoorDash order for DashPass members through 12/31/2027. | Counted | $10/yr |
$-84
net / year, earning minus fee
$-74 with credits you'd likely use
up to $46 if you use every credit
Apply
37
Emirates Skywards Rewards World Elite Mastercard
+$14 rewards
−$99 fee
Sign-up bonus
40,000 miles + Emirates Skywards Silver tier membership (~$480 first-year value)
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $14 |
38
IHG One Rewards Premier Credit Card
+$36 rewards
+$120 credits matching your spend
−$150 fee
Best for: Dining
Everyday perks
DoorDash $120/yr
Global Entry/TSA PreCheck $30/yr shared by 2
NEXUS
United TravelBank $25/yr
Instacart
Sign-up bonus
180,000 points + 10,000 bonus points for adding an authorized user (~$1,080 for the points)
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 5x Restaurants | $36 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| One-year complimentary DashPass by DoorDash ($120/year value) providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders; auto-enrolls at current monthly rate after the complimentary period. Activate by Dec 31, 2027. | Counted | $120/yr |
| Statement credit of up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. | Not counted | $30/yr |
| Receive $25 United TravelBank Cash deposited around January 5 and another $25 around July 5 each year (up to $50 annually) after registering with MileagePlus account. | Not counted | $25/yr |
| $25 Food and Beverage Reward voucher each calendar quarter (up to $100 per calendar year) to use toward food and beverage charges on your room bill at participating IHG Hotels & Resorts. | Not counted | $25/yr |
| $100 statement credit when you spend at least $250 on flights purchased directly with the airline each calendar year through 12/31/27. after $250 spend |
Not counted | $0/yr |
$-114
net / year, earning minus fee
$6 with credits you'd likely use
up to $86 if you use every credit
Apply
39
Southwest Rapid Rewards Premier Credit Card
+$30 rewards
−$149 fee
Best for: Dining
Everyday perks
DoorDash
Caviar
Instacart $120/yr
Sign-up bonus
55,000 points (~$688 first-year value)
after $1,500 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $30 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive a $10 credit in the Instacart app each month with an active Instacart+ membership, for purchases of $10 or more with one retailer, from 5/1/2025 through 12/31/2027 (up to $120 annually). | Not counted | $120/yr |
40
Hilton Honors American Express Surpass Card
+$29 rewards
−$150 fee
Best for: Dining
Everyday perks
Hilton $200/yr
National Car Rental
Sign-up bonus
130,000 points + Free Night Reward (~$520 for the points)
after $3,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 6x Restaurants | $29 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio, up to $200 annually. | Not counted | $200/yr |
| Enjoy an enhanced experience at select stadiums and arenas, including dedicated entrances or fast lanes. Enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per eligible Card Member. 10% back on qualifying purchases, up to $250 |
Not counted | $0/yr |
41
United Explorer Card
+$29 rewards
−$150 fee
Best for: Dining
Everyday perks
Instacart $120/yr
JSX $100/yr
Avis & Budget $50/yr shared by 2
United TravelBank
Global Entry/TSA PreCheck $30/yr shared by 2
NEXUS
Sign-up bonus
70,000 miles + 10,000 bonus miles for adding an authorized user (~$840 for the miles)
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $29 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with the card. Benefits end 12/31/27. | Not counted | $120/yr |
| Up to $100 back as a statement credit each anniversary year when booking flights directly with JSX using the card. | Not counted | $100/yr |
| $50 back as a statement credit on both the 1st and 2nd prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year. | Not counted | $100/yr |
| Up to $5 back as a statement credit each month on rideshare purchases, up to $60 each calendar year. Yearly opt-in required. | Not counted | $60/yr |
| $25 in United TravelBank cash for each of the 1st and 2nd Avis or Budget rentals booked directly through cars.united.com, up to $50 each anniversary year. | Not counted | $50/yr |
| Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee when charged to the card. | Not counted | $30/yr |
42
Southwest Rapid Rewards Priority Credit Card
+$30 rewards
+$10 credits matching your spend
−$229 fee
Best for: Dining
Everyday perks
DoorDash $10/yr
Caviar
Instacart $120/yr
Sign-up bonus
60,000 points (~$750 first-year value)
after $2,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $30 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| $10 credit in the Instacart App each month you have an active Instacart+ membership activated through the card, up to $120 in Instacart credits annually, from 5/1/2025 through 12/31/2027. | Not counted | $120/yr |
| $10 off one qualifying non-restaurant DoorDash order each calendar quarter for enrolled DashPass members, applied to subtotal only. | Counted | $10/yr |
$-199
net / year, earning minus fee
$-189 with credits you'd likely use
up to $-69 if you use every credit
Apply
43
American Express Gold Card
+$96 rewards
+$240 credits matching your spend
−$325 fee
Best for: Dining
Everyday perks
Uber $120/yr
Buffalo Wild Wings $120/yr shared by 6
Five Guys
Grubhub
Seamless
The Cheesecake Factory
Sign-up bonus
100,000 points (~$2,000 first-year value)
after $8,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 4x Restaurants | $96 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get $10 in Uber Cash each month when you add your Gold Card to your Uber account, usable on Uber rides and eligible orders in the U.S. | Counted | $120/yr |
| Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Annual savings of up to $120. | Counted | $120/yr |
| Get up to $50 in statement credits from January through June and up to $50 from July through December at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. | Not counted | $100/yr |
| Earn up to $7 in monthly statement credits after you pay with the American Express Gold Card at U.S. Dunkin' locations. | Not counted | $84/yr |
| Enjoy an enhanced experience at select stadiums and arenas including dedicated entrances or fast lanes; enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. 10% back on qualifying purchases, up to $250, through Dec 31, 2026 |
Not counted | $0/yr |
| Take advantage of a $100 credit towards eligible charges at over 1,300 upscale hotels worldwide when booking The Hotel Collection through AmexTravel.com or Amex Travel App. Requires two-night minimum stay. per qualifying stay, not a yearly credit |
Not counted | $0/yr |
$-229
net / year, earning minus fee
$11 with credits you'd likely use
up to $195 if you use every credit
Apply
44
AAdvantage Globe Mastercard
+$35 rewards
−$350 fee
Best for: Dining
Everyday perks
Turo $240/yr
Global Entry/TSA PreCheck $30/yr
Sign-up bonus
60,000 miles (~$870 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $35 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Your first checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation, a savings of up to $900 per round trip. | Not counted | $900/yr |
| Earn up to $30 in statement credits for each eligible Turo trip completed, for a total of up to $240 in statement credits annually. Requires linking card to Turo account on Turo.com/Globe and paying with the card. | Not counted | $240/yr |
| Every calendar year, earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights. | Not counted | $100/yr |
| Every calendar year, earn up to $100 in statement credits on your choice of up to two of the following brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training and Live Nation (exclusions apply). | Not counted | $100/yr |
| You're eligible to receive a statement credit (up to $120 every 4 years) as reimbursement for your Global Entry or TSA PreCheck application fee. | Not counted | $30/yr |
45
Delta SkyMiles Platinum Card
+$29 rewards
+$120 credits matching your spend
−$350 fee
Best for: Dining
Everyday perks
Resy $120/yr
Delta Stays $150/yr
Global Entry/TSA PreCheck $30/yr
PayPal
Venmo
Hertz
Sign-up bonus
90,000 miles + $300 $300 Statement Credit (~$1,380 first-year value)
after $4,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $29 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. | Not counted | $150/yr |
| Get up to $10 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Card for eligible purchases. That's up to $120 in statement credits annually. | Counted | $120/yr |
| Earn up to $10 back in statement credits each month for U.S. rideshare purchases with select providers, up to $120 back annually. | Not counted | $120/yr |
| Receive either a $120 statement credit for Global Entry application fee or up to $85 statement credit for TSA PreCheck application fee every 4 years. | Not counted | $30/yr |
| Enhanced experience at select stadiums and arenas with dedicated entrances or fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment. Limit one enrolled card per Card Member. 10% back on qualifying purchases, up to $250 |
Not counted | $0/yr |
$-321
net / year, earning minus fee
$-201 with credits you'd likely use
up to $99 if you use every credit
Apply
46
United Quest Card
+$29 rewards
−$350 fee
Best for: Dining
Everyday perks
United TravelBank $200/yr
Instacart $180/yr
JSX $150/yr
Avis & Budget $80/yr
Global Entry/TSA PreCheck
NEXUS
Sign-up bonus
80,000 miles + 500 Premier Qualifying Points (PQP) + 10,000 bonus miles for adding an authorized user (~$960 for the miles)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $29 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary, for a future United- or United Express-operated flight. | Not counted | $200/yr |
| Receive one $10 Instacart credit and one $5 Instacart credit each month, up to $180 total each calendar year, for purchases made directly through Instacart with the card. Benefits end 12/31/27. | Not counted | $180/yr |
| Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest Card. | Not counted | $150/yr |
| Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts for United Cardmembers with your United Quest Card. | Not counted | $150/yr |
| Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases: up to $8 back each month January through November and up to $12 back for December. | Not counted | $100/yr |
| Receive $40 in United TravelBank cash for each of your first and second Avis or Budget car rental booked directly through cars.united.com and paid with your United Quest Card, up to $80 each anniversary year. | Not counted | $80/yr |
47
Atmos Rewards Summit Visa Infinite Card
+$56 rewards
−$395 fee
Best for: Dining
Everyday perks
Global Entry/TSA PreCheck $30/yr
Avis & Budget
Hertz
Sign-up bonus
70,000 points + Global Companion Award (~$1,085 for the points)
after $3,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $56 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive a $50 Instant Travel Delay Credit for flight cancellations or departure delays of 2 hours or more. | Not counted | $50/yr |
| Receive up to a $120 Airport Security Statement Credit every four years in connection with TSA PreCheck or Global Entry trusted traveler programs. | Not counted | $30/yr |
48
Capital One Venture X Card
+$44 rewards
−$395 fee
Everyday perks
Capital One Travel $300/yr
Global Entry/TSA PreCheck $30/yr
Hertz
Capital One Entertainment
Sign-up bonus
75,000 miles (~$1,388 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $44 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Receive a $300 annual credit for hotels, flights, vacation rentals and more through Capital One Travel. | Not counted | $300/yr |
| Receive up to a $120 credit for Global Entry or TSA PreCheck®. One statement credit processed per account every 4 years. | Not counted | $30/yr |
49
Bilt Palladium Card
+$53 rewards
−$495 fee
Everyday perks
Lyft
Sign-up bonus
50,000 points + Gold Status (~$1,100 first-year value)
after $4,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x base rate on everything else (no dining bonus) | $53 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| $400 Bilt Travel Hotel credit applied twice a year as $200 statement credits for qualifying Bilt Travel Portal hotel bookings. | Not counted | $400/yr |
50
Citi Strata Elite Card
+$137 rewards
−$595 fee
Best for: Dining
Everyday perks
Blacklane $200/yr
Global Entry/TSA PreCheck $30/yr
Sign-up bonus
75,000 points (~$1,425 first-year value)
after $6,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 6x Restaurants | $137 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Qualifying Citigold Private Clients receive a $595 first year banking relationship credit and a $145 credit each year thereafter if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595. | Not counted | $595/yr |
| Each calendar year, enjoy up to $300 off a hotel stay of 2 nights or more when booked through cititravel.com. | Not counted | $300/yr |
| Earn up to $200 in statement credits each calendar year when you book with Blacklane, a premium global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December. | Not counted | $200/yr |
| Every calendar year, earn up to $200 in statement credits on your choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation. | Not counted | $200/yr |
| Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite Card account with an assessed Annual Membership Fee of $595. | Not counted | $145/yr |
| Receive a statement credit, up to $120 every four years, as reimbursement for your Global Entry or TSA PreCheck application fee. | Not counted | $30/yr |
51
Hilton Honors American Express Aspire Card
+$34 rewards
−$550 fee
Best for: Dining
Everyday perks
Resy
Hilton Resorts $400/yr
CLEAR Plus $219/yr
American Express Travel $200/yr
National Car Rental
Waldorf & Conrad
Sign-up bonus
200,000 points (~$800 first-year value)
after $6,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 7x Restaurants | $34 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Up to $200 in statement credits semi-annually, for up to $400 back per year, on eligible purchases made directly with participating Hilton Resorts. | Not counted | $400/yr |
| Up to $219 in statement credits per calendar year toward the cost of a CLEAR+ Membership after paying with the Card. | Not counted | $219/yr |
| Up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App. | Not counted | $200/yr |
| Up to a $100 credit for qualifying charges at Waldorf Astoria and Conrad Hotels & Resorts properties when booking a 2 night minimum stay with the Card and selecting the Aspire Card Benefit rate option. per qualifying stay, not a yearly credit |
Not counted | $0/yr |
| Enhanced experience at select stadiums and arenas with dedicated entrances/fast lanes, plus 10% back on qualifying concessions purchases up to $250 per calendar year when enrolled. 10% back on qualifying purchases, up to $250 |
Not counted | $0/yr |
52
Marriott Bonvoy Brilliant Card
+$27 rewards
−$650 fee
Best for: Dining
Everyday perks
Global Entry/TSA PreCheck $30/yr
PayPal
Venmo
Ritz-Carlton & St. Regis
Sign-up bonus
100,000 points (~$750 first-year value)
after $6,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $27 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made at restaurants worldwide. | Not counted | $300/yr |
| Receive either a $120 statement credit for Global Entry or up to $85 statement credit for TSA PreCheck, once every 4 years. | Not counted | $30/yr |
| Enroll your Card and get 10% back on qualifying concessions purchases at select stadiums and arenas, up to $250 per calendar year. Limit one enrolled Card per eligible Card Member. 10% back on qualifying purchases, up to $250 |
Not counted | $0/yr |
| Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton or St. Regis when booking direct using a special rate for a 2 night minimum stay. per qualifying stay, not a yearly credit |
Not counted | $0/yr |
53
Delta SkyMiles Reserve Card
+$14 rewards
+$240 credits matching your spend
−$650 fee
Everyday perks
Resy $240/yr
Delta Stays $200/yr
Global Entry/TSA PreCheck $30/yr
Hertz
Sign-up bonus
50,000 miles + 2 Delta Comfort Flight Certificates (~$600 for the miles)
after $10,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $14 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Earn up to $20 per month in statement credits on eligible purchases at over 10,000 qualifying U.S. Resy restaurants when enrolled. | Counted | $240/yr |
| Annual statement credit of up to $200 after using the Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com. | Not counted | $200/yr |
| Earn up to $10 in statement credits each month on U.S. rideshare purchases with select providers, up to $120 back each year. Enrollment required. | Not counted | $120/yr |
| Receive a statement credit every 4 years after applying for Global Entry ($120), or a statement credit for a 5-year TSA PreCheck membership (up to $85) when paying the application fee with the Card. Global Entry approval also grants TSA PreCheck access. | Not counted | $30/yr |
$-636
net / year, earning minus fee
$-396 with credits you'd likely use
up to $-46 if you use every credit
Apply
54
United Club Infinite Card
+$29 rewards
−$695 fee
Best for: Dining
Everyday perks
JSX $200/yr
Instacart $120/yr
Avis & Budget $100/yr shared by 2
United TravelBank
Global Entry/TSA PreCheck $30/yr shared by 2
NEXUS
Sign-up bonus
90,000 miles + 10,000 bonus miles for adding an authorized user within first 3 months (~$1,080 for the miles)
after $5,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 2x Restaurants | $29 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get up to $200 back as a statement credit each anniversary year when booking flights directly with JSX. | Not counted | $200/yr |
| Up to $200 back in statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers. | Not counted | $200/yr |
| Enroll to receive up to $12 back each month January through November and up to $18 back in December on rideshare purchases, up to $150 total per calendar year. | Not counted | $144/yr |
| Receive two $10 Instacart credits each month (up to $240 total each calendar year) for purchases made directly through Instacart. Benefits end 12/31/27. | Not counted | $120/yr |
| Exclusive suite of benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrade/early check-in/late check-out when booking through Renowned Hotels and Resorts. | Not counted | $100/yr |
| Receive $50 in United TravelBank cash on each of your first and second Avis or Budget car rental bookings through cars.united.com, up to $100 each anniversary year. | Not counted | $100/yr |
| Statement credit of up to $120 every four years for the Global Entry, TSA PreCheck, or NEXUS application fee. | Not counted | $30/yr |
55
AAdvantage Executive World Elite Mastercard
+$17 rewards
−$695 fee
Everyday perks
Avis & Budget $120/yr
Global Entry/TSA PreCheck $30/yr
Lyft $15/yr
Sign-up bonus
125,000 miles (~$1,813 first-year value)
after $15,000 spend in 150 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $17 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| First checked bag free on domestic American Airlines itineraries for cardmember and up to eight companions, a savings of up to $900 per round trip. | Not counted | $900/yr |
| Every calendar year, earn up to $500 in statement credits on eligible American Airlines Vacations℠ travel packages or experiences, up to $250 January through June and up to $250 July through December. | Not counted | $500/yr |
| Earn up to $120 in statement credits every calendar year on eligible prepaid car rentals booked directly on avis.com or budget.com. | Not counted | $120/yr |
| Every calendar year, earn up to $100 in statement credits on inflight and eligible Admirals Club® purchases when you use your card. | Not counted | $100/yr |
| Statement credit up to $120 every 4 years as reimbursement for Global Entry or TSA PreCheck application fee. | Not counted | $30/yr |
| After taking 3 eligible rides in a calendar month, you will earn a $15 Lyft credit, for a total of up to $180 back in Lyft credits annually. | Not counted | $15/yr |
56
Chase Sapphire Reserve
+$74 rewards
+$300 credits matching your spend
−$795 fee
Best for: Dining
Everyday perks
Sapphire Exclusive Tables (OpenTable) $300/yr
DoorDash
The Edit by Chase Travel $500/yr
StubHub $300/yr shared by 2
viagogo
Peloton $120/yr
Sign-up bonus
100,000 points (~$2,050 first-year value)
after $6,000 spend in 90 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 3x Restaurants | $74 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Statement credit of up to $250 per prepaid booking with The Edit, up to $500 annually, two-night minimum required. | Not counted | $500/yr |
| Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining at restaurants in the Sapphire Exclusive Tables program on OpenTable. | Counted | $300/yr |
| Up to $300 in statement credits for travel purchases each account anniversary year. Purchases that qualify will not earn points. | Not counted | $300/yr |
| Up to $150 in statement credits January-June and again July-December, for a maximum $300 annually, for StubHub and viagogo purchases through 12/31/27. Activation required. | Not counted | $300/yr |
| $10 statement credit per month on eligible Peloton memberships, max $120 annually through 12/31/27 (activation required); plus earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27. | Not counted | $120/yr |
| Lyft members get up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27. | Not counted | $120/yr |
| $5 monthly promo to spend on restaurant orders | Not counted | $60/yr |
| Receive one statement credit of up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card. | Not counted | $30/yr |
| Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings with select brands (IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, Pan Pacific), two-night minimum required. per qualifying stay, not a yearly credit |
Not counted | $0/yr |
$-721
net / year, earning minus fee
$-421 with credits you'd likely use
up to $1,009 if you use every credit
Apply
57
American Express Platinum Card
+$24 rewards
+$720 credits matching your spend
−$895 fee
Everyday perks
Resy $400/yr
Uber $200/yr
Uber One $120/yr
The Hotel Collection $600/yr
Equinox $300/yr
lululemon $300/yr
Sign-up bonus
175,000 points (~$3,500 first-year value)
after $12,000 spend in 180 days
Show the math
| Category | Annual spend | Rate | Value |
|---|---|---|---|
| Dining | $1,200 | 1x base rate on everything else (no dining bonus) | $24 |
Potential credits on this card. "Counted" rows are in the net value above; the rest are listed for reference.
| Credits | In this result | Potential Value |
|---|---|---|
| Get up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel. | Not counted | $600/yr |
| Get up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at over 10,000 qualifying U.S. Resy restaurants. | Counted | $400/yr |
| Get up to $300 in statement credits each year at Equinox for an Equinox+ digital subscription or an Equinox club membership subject to auto-renewal. | Not counted | $300/yr |
| Receive up to $75 in statement credits each quarter for eligible purchases at U.S. lululemon retail stores and lululemon.com. | Not counted | $300/yr |
| Get up to $25 in statement credits each month for eligible purchases with participating digital entertainment partners like Disney+, Hulu, NYT, etc. | Not counted | $300/yr |
| Receive up to $219 in statement credits per calendar year after signing up and paying for a CLEAR+ Membership. | Not counted | $219/yr |
| Receive up to $200 in statement credits when you use the Platinum Card to purchase an Oura Ring at Ouraring.com each calendar year. | Not counted | $200/yr |
| Earn up to $200 per calendar year in statement credits after incidental fees, such as checked bags and in-flight refreshments, are charged by your one selected qualifying airline to your Card. | Not counted | $200/yr |
| Add your Platinum Card to your Uber account to receive $15 in Uber Cash each month, plus a bonus $20 in December, to use on rides and orders in the U.S. when you select an Amex Card for your transaction. | Counted | $200/yr |
| Get up to a $12.95 statement credit back each month after paying for a monthly Walmart+ membership. | Not counted | $155/yr |
| Get up to $120 in statement credits each calendar year after purchasing an auto-renewing Uber One membership with the Card. | Counted | $120/yr |
| Statement credit every 4 years for Global Entry application fee ($120) or up to $85 for TSA PreCheck application fee. | Not counted | $30/yr |
| Enhanced experience at select stadiums/arenas with dedicated entrances/fast lanes; 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment. 10% back on qualifying purchases, up to $250 |
Not counted | $0/yr |
| $100 credit towards eligible charges with every booking of two nights or more through The Hotel Collection via AmexTravel.com. per qualifying stay, not a yearly credit |
Not counted | $0/yr |
$-871
net / year, earning minus fee
$-151 with credits you'd likely use
up to $2,153 if you use every credit
Apply
Estimates based on the information provided and our point valuations. Actual value depends on redemption and is subject to issuer terms. Referral links never affect this ranking.
Simulate a year of this spending is a Founder's Passport exclusive: your real cards, your credits, your points, played forward.
Curious how it feels? Watch the sample year on the homepage first.
See the Founder's Passport