See what a card really offers, and how it changed.

Showing the 8 points programs with the widest coverage; 30 more are tracked and appear in the full card list below.

Sign-up bonuses are ranked within a points currency. 188 cards across several programs means a raw points total is not comparable between them \u2014 100,000 of one program is not 100,000 of another, and what a point is worth is an opinion we keep out of the numbers.

All cards

• American Express Blue Cash Everyday fee US$0 · purchase — · SUB US$200 cash
• Blue Cash Preferred Card from American Express fee US$95 · purchase — · SUB US$200 cash
• Delta SkyMiles Blue American Express Card fee US$0 · purchase — · SUB 10,000 Delta SkyMiles
• Delta SkyMiles Gold American Express Card fee US$150 · purchase — · SUB 50,000 Delta SkyMiles
• Delta SkyMiles Platinum American Express Card fee US$350 · purchase — · SUB 60,000 Delta SkyMiles
• Delta SkyMiles Reserve American Express Card fee US$650 · purchase — · SUB —
• American Express Gold Card fee US$325 · purchase — · SUB —
• American Express Green Card retired fee US$150 · purchase — · SUB 40,000 Membership Rewards (US)
• Hilton Honors American Express Card fee US$0 · purchase — · SUB 70,000 Hilton Honors
• Hilton Honors American Express Aspire Card fee US$550 · purchase — · SUB 200,000 Hilton Honors
• Hilton Honors American Express Surpass Card fee US$150 · purchase — · SUB 130,000 Hilton Honors
• Marriott Bonvoy Bevy American Express Card fee US$250 · purchase — · SUB 85,000 Marriott Bonvoy
• Marriott Bonvoy Brilliant American Express Card fee US$650 · purchase — · SUB 100,000 Marriott Bonvoy
• The Platinum Card from American Express fee US$895 · purchase — · SUB —

• Air France KLM Visa Signature Credit Card fee US$89 · purchase — · SUB 50,000 Flying Blue (Air France / KLM)
• Allegiant Allways Rewards Visa Credit Card fee US$59 · purchase — · SUB 30,000 Allegiant Allways Rewards
• Atmos Rewards Ascent Visa Signature Credit Card fee US$95 · purchase — · SUB 70,000 Atmos Rewards (Alaska Airlines / Hawaiian Airlines)
• Atmos Rewards Summit Visa Infinite Credit Card fee US$395 · purchase — · SUB 80,000 Atmos Rewards (Alaska Airlines / Hawaiian Airlines)
• BankAmericard Credit Card fee US$0 · purchase — · SUB —
• Bank of America Customized Cash Rewards Secured Credit Card fee US$0 · purchase 27.74% · SUB —
• Bank of America Customized Cash Rewards Credit Card fee US$0 · purchase — · SUB US$200 cash
• BankAmericard Credit Card for Students fee US$0 · purchase — · SUB —
• Norwegian Cruise Line World Mastercard fee US$0 · purchase — · SUB 20,000 Norwegian Cruise Line WorldPoints Rewards
• Bank of America Premium Rewards Credit Card fee US$95 · purchase — · SUB 60,000 Bank of America Premium Rewards Points
• Bank of America Premium Rewards Elite Credit Card fee US$550 · purchase — · SUB 75,000 Bank of America Premium Rewards Points
• Royal ONE Visa Signature Credit Card fee US$0 · purchase — · SUB 30,000 Royal ONE Rewards (Royal Caribbean Group)
• Royal ONE Plus Visa Signature Credit Card fee US$99 · purchase — · SUB 60,000 Royal ONE Rewards (Royal Caribbean Group)
• BankAmericard Secured Credit Card fee US$0 · purchase 26.24% · SUB —
• Bank of America Customized Cash Rewards Credit Card for Students fee US$0 · purchase — · SUB US$200 cash
• Bank of America Travel Rewards Credit Card for Students fee US$0 · purchase — · SUB 25,000 Bank of America Travel Rewards Points
• Susan G. Komen Customized Cash Rewards Credit Card fee US$0 · purchase — · SUB US$200 cash
• Bank of America Travel Rewards Credit Card fee US$0 · purchase — · SUB 25,000 Bank of America Travel Rewards Points
• Bank of America Travel Rewards Secured Credit Card fee US$0 · purchase 27.74% · SUB —
• Bank of America Unlimited Cash Rewards Secured Credit Card fee US$0 · purchase 27.74% · SUB —
• Bank of America Unlimited Cash Rewards Credit Card for Students fee US$0 · purchase — · SUB US$250 cash
• Bank of America Unlimited Cash Rewards Credit Card fee US$0 · purchase — · SUB US$250 cash

• AARP Essential Rewards Mastercard from Barclays fee US$0 · purchase — · SUB US$100 cash
• Breeze Easy Visa Credit Card fee US$89 · purchase — · SUB 40,000 BreezePoints
• Capital Vacations World Mastercard fee US$0 · purchase — · SUB 5,000 Capital Vacations Rewards
• Carnival Rewards Mastercard fee US$0 · purchase — · SUB 20,000 Carnival FunPoints
• Carnival World Mastercard fee US$0 · purchase — · SUB 20,000 Carnival FunPoints
• Emirates Skywards Premium World Elite Mastercard fee US$499 · purchase — · SUB 50,000 Emirates Skywards Miles
• Emirates Skywards Rewards World Elite Mastercard fee US$99 · purchase — · SUB 40,000 Emirates Skywards Miles
• Frontier Airlines World Mastercard fee US$99 · purchase — · SUB 60,000 FRONTIER Miles
• GM Rewards Mastercard fee US$0 · purchase — · SUB 30,000 GM Rewards points
• JetBlue Card fee US$0 · purchase — · SUB 10,000 JetBlue TrueBlue points
• JetBlue Plus Card fee US$99 · purchase — · SUB 70,000 JetBlue TrueBlue points
• JetBlue Premier Card fee US$499 · purchase — · SUB —
• Lufthansa Miles and More World Elite Mastercard fee US$89 · purchase — · SUB 70,000 Miles & More award miles
• RCI Elite Rewards World Mastercard fee US$0 · purchase — · SUB 5,000 RCI Elite Rewards
• Upromise World Mastercard fee US$0 · purchase — · SUB 200 Upromise Cash Back Rewards
• Wyndham Rewards Earner Card fee US$0 · purchase — · SUB 75,000 Wyndham Rewards points
• Wyndham Rewards Earner Plus Card fee US$95 · purchase — · SUB 100,000 Wyndham Rewards points
• Wyndham Rewards Earner Premier Card fee US$395 · purchase — · SUB 120,000 Wyndham Rewards points
• Xbox Mastercard fee US$0 · purchase — · SUB 5,000 Xbox Mastercard Card Points

• Bilt Blue Card retired fee US$0 · purchase — · SUB 100 Bilt Cash
• Bilt Obsidian Card retired fee US$95 · purchase — · SUB 200 Bilt Cash
• Bilt Palladium Card retired fee US$495 · purchase — · SUB —

• AAA Daily Advantage Visa Signature Card fee US$0 · purchase — · SUB US$100 cash

• Capital One Platinum Credit Card fee US$0 · purchase 28.99% · SUB —
• Capital One Platinum Secured Credit Card fee US$0 · purchase 28.99% · SUB —
• Capital One Quicksilver Cash Rewards Credit Card fee US$0 · purchase — · SUB US$200 cash
• Capital One Quicksilver Rewards Credit Card for Good Credit fee US$0 · purchase 28.99% · SUB —
• Capital One Quicksilver Secured Cash Rewards Credit Card fee US$0 · purchase 28.99% · SUB —
• Capital One Quicksilver Student Cash Rewards Credit Card fee US$0 · purchase — · SUB US$50 cash
• Capital One QuicksilverOne Cash Rewards Credit Card fee US$39 · purchase 28.99% · SUB —
• Capital One Savor Cash Rewards Credit Card fee US$0 · purchase — · SUB US$200 cash
• Capital One Savor Rewards Credit Card for Good Credit fee US$0 · purchase 28.99% · SUB —
• Capital One Savor Student Cash Rewards Credit Card fee US$0 · purchase — · SUB US$50 cash
• Capital One SavorOne Cash Rewards Credit Card fee US$39 · purchase 28.99% · SUB —
• Capital One Spark Cash Card fee US$95 · purchase 24.49% · SUB US$1,000 cash
• Capital One Spark Cash Plus Card fee US$150 · purchase 25.74% · SUB —
• Capital One Spark Cash Select Card fee US$0 · purchase — · SUB US$750 cash
• Capital One Spark Classic Card fee US$0 · purchase 28.99% · SUB —
• Capital One Venture X Business Card fee US$395 · purchase 25.74% · SUB 150,000 Capital One Miles
• Capital One Venture Rewards Credit Card fee US$95 · purchase — · SUB 75,000 Capital One Miles
• Capital One Venture Business Card fee US$95 · purchase 24.49% · SUB 100,000 Capital One Miles
• Capital One Venture X Rewards Credit Card fee US$395 · purchase — · SUB 75,000 Capital One Miles
• Capital One VentureOne Rewards Credit Card fee US$0 · purchase — · SUB 20,000 Capital One Miles
• Capital One VentureOne Business Card fee US$0 · purchase — · SUB 50,000 Capital One Miles
• Capital One VentureOne Rewards Credit Card for Good Credit fee US$0 · purchase 28.99% · SUB —

• Aer Lingus Visa Signature Credit Card fee US$95 · purchase — · SUB 75,000 Avios
• Chase Aeroplan Card fee US$95 · purchase — · SUB —
• Prime Visa fee US$0 · purchase — · SUB —
• Amazon Visa fee US$0 · purchase — · SUB —
• British Airways Visa Signature Credit Card fee US$95 · purchase — · SUB 75,000 Avios
• Disney Inspire Visa Card fee US$149 · purchase — · SUB —
• Disney Premier Visa Card fee US$49 · purchase — · SUB —
• Disney Visa Card fee US$0 · purchase — · SUB —
• DoorDash Rewards Mastercard fee US$0 · purchase — · SUB —
• Chase Freedom Flex Credit Card fee US$0 · purchase — · SUB US$250 cash
• Chase Freedom Rise Credit Card fee US$0 · purchase — · SUB —
• Chase Freedom Unlimited Credit Card fee US$0 · purchase — · SUB 20,000 Chase Ultimate Rewards
• World of Hyatt Business Credit Card fee US$199 · purchase — · SUB 70,000 World of Hyatt
• Iberia Visa Signature Credit Card fee US$95 · purchase — · SUB 75,000 Avios
• IHG One Rewards Premier Business Credit Card fee US$99 · purchase — · SUB 190,000 IHG One Rewards
• IHG One Rewards Premier Credit Card fee US$99 · purchase — · SUB 180,000 IHG One Rewards
• IHG One Rewards Traveler Credit Card fee US$0 · purchase — · SUB 125,000 IHG One Rewards
• Ink Business Preferred Credit Card fee US$95 · purchase — · SUB 100,000 Chase Ultimate Rewards
• Ink Business Cash Credit Card fee US$0 · purchase — · SUB US$750 cash
• Ink Business Premier Credit Card fee US$195 · purchase — · SUB US$1,000 cash
• Ink Business Unlimited Credit Card fee US$0 · purchase — · SUB US$750 cash
• Instacart Mastercard fee US$0 · purchase — · SUB —
• Marriott Bonvoy Bold Credit Card fee US$0 · purchase — · SUB 45,000 Marriott Bonvoy
• Marriott Bonvoy Boundless Credit Card fee US$95 · purchase — · SUB —
• Marriott Bonvoy Bountiful Credit Card fee US$250 · purchase — · SUB 85,000 Marriott Bonvoy
• Chase Sapphire Preferred Credit Card fee US$95 · purchase — · SUB 75,000 Chase Ultimate Rewards
• Chase Sapphire Reserve Credit Card fee US$795 · purchase — · SUB 100,000 Chase Ultimate Rewards
• Chase Sapphire Reserve for Business fee US$795 · purchase — · SUB 200,000 Chase Ultimate Rewards
• Slate Credit Card fee US$0 · purchase — · SUB —
• Slate Edge Credit Card fee US$0 · purchase 29.24% · SUB —
• Southwest Rapid Rewards Performance Business Credit Card fee US$299 · purchase — · SUB 80,000 Southwest Rapid Rewards
• Southwest Rapid Rewards Plus Credit Card fee US$99 · purchase — · SUB 50,000 Southwest Rapid Rewards
• Southwest Rapid Rewards Premier Credit Card fee US$149 · purchase — · SUB 55,000 Southwest Rapid Rewards
• Southwest Rapid Rewards Premier Business Credit Card fee US$149 · purchase — · SUB 80,000 Southwest Rapid Rewards
• Southwest Rapid Rewards Priority Credit Card fee US$229 · purchase — · SUB 60,000 Southwest Rapid Rewards
• United Business Card fee US$150 · purchase — · SUB 100,000 United MileagePlus miles
• United Club Business Card fee US$695 · purchase — · SUB 100,000 United MileagePlus miles
• United Club Card fee US$695 · purchase — · SUB 100,000 United MileagePlus miles
• United Explorer Card fee US$150 · purchase — · SUB 80,000 United MileagePlus miles
• United Gateway Card fee US$0 · purchase — · SUB 50,000 United MileagePlus miles
• United Quest Card fee US$350 · purchase — · SUB 90,000 United MileagePlus miles
• World of Hyatt Credit Card fee US$95 · purchase — · SUB 60,000 World of Hyatt

• Citi / AAdvantage Executive World Elite Mastercard fee US$695 · purchase — · SUB 125,000 American Airlines AAdvantage
• Citi / AAdvantage Globe Card fee US$350 · purchase — · SUB 60,000 American Airlines AAdvantage
• AAdvantage MileUp Card fee US$0 · purchase — · SUB 15,100 American Airlines AAdvantage
• Citi / AAdvantage Platinum Select World Elite Mastercard fee US$99 · purchase — · SUB 80,000 American Airlines AAdvantage
• AT&T Points Plus Card from Citi fee US$0 · purchase — · SUB US$200 cash
• Costco Anywhere Visa Card by Citi fee US$0 · purchase — · SUB —
• Citi Diamond Preferred Credit Card fee US$0 · purchase — · SUB —
• Citi Double Cash Card fee US$0 · purchase — · SUB US$200 cash
• Citi Secured Mastercard fee US$0 · purchase 26.24% · SUB —
• Citi Simplicity Credit Card fee US$0 · purchase — · SUB —
• Citi Strata Card fee US$0 · purchase — · SUB 20,000 Citi ThankYou Points
• Citi Strata Elite Card fee US$595 · purchase — · SUB 75,000 Citi ThankYou Points
• Citi Strata Premier Card fee US$95 · purchase — · SUB 60,000 Citi ThankYou Points

• Discover it Cash Back fee US$0 · purchase — · SUB —
• Discover it Cash Back for Good Credit fee US$0 · purchase 28.99% · SUB —
• Discover it Chrome fee US$0 · purchase — · SUB —
• Discover it Chrome for Good Credit fee US$0 · purchase 28.99% · SUB —
• Discover it Miles fee US$0 · purchase — · SUB —
• Discover it Miles for Good Credit fee US$0 · purchase 28.99% · SUB —
• Discover it Secured Cash Back fee US$0 · purchase 28.99% · SUB —
• Discover it Student Cash Back fee US$0 · purchase — · SUB —
• Discover it Student Chrome fee US$0 · purchase — · SUB —

• Navy Federal cashRewards Credit Card fee US$0 · purchase — · SUB US$250 cash
• Navy Federal cashRewards Secured Credit Card fee US$0 · purchase 18% · SUB —
• Navy Federal Flagship Premier Visa Signature Credit Card fee — · purchase — · SUB —
• Navy Federal GO REWARDS Credit Card fee US$0 · purchase — · SUB —
• Navy Federal More Rewards American Express Card fee US$0 · purchase — · SUB 20,000 Navy Federal Rewards Points
• Navy Federal Platinum Credit Card fee US$0 · purchase — · SUB —

• PenFed Gold Visa Card fee US$0 · purchase 17.99% · SUB —
• PenFed Pathfinder Rewards Visa Signature Card fee US$95 · purchase 17.99% · SUB 50,000 PenFed Pathfinder Rewards Points
• PenFed Platinum Rewards Visa Signature Card fee US$0 · purchase 17.99% · SUB 15,000 PenFed Platinum Rewards Points
• PenFed Power Cash Rewards Visa Signature Card fee US$0 · purchase 17.99% · SUB US$100 cash

• Cathay World Elite Mastercard fee US$99 · purchase — · SUB 38,000 Asia Miles (Cathay Pacific)
• Sam's Club Mastercard fee — · purchase — · SUB —

• TD Cash Credit Card fee US$0 · purchase — · SUB US$200 cash
• TD Clear Visa Platinum Credit Card ($1,000 Credit Limit) fee US$120 · purchase — · SUB —
• TD Clear Visa Platinum Credit Card ($2,000 Credit Limit) fee US$240 · purchase — · SUB —
• TD Double Up Credit Card fee US$0 · purchase — · SUB US$200 cash
• TD First Class Visa Signature Credit Card fee US$89 · purchase 16.74% · SUB 25,000 TD First Class Miles
• TD FlexPay Credit Card fee US$0 · purchase — · SUB —
• TD Cash Secured Credit Card fee US$29 · purchase 26.49% · SUB —

• U.S. Bank Altitude Connect Visa Signature Card fee US$0 · purchase — · SUB 20,000 U.S. Bank Altitude Rewards Points
• U.S. Bank Altitude Go Visa Signature Card fee US$0 · purchase — · SUB 20,000 U.S. Bank Altitude Rewards Points
• U.S. Bank Altitude Go Secured Visa Card fee US$0 · purchase 28.74% · SUB —
• U.S. Bank Cash+ Visa Signature Card fee US$0 · purchase — · SUB US$200 cash
• U.S. Bank Cash+ Secured Visa Card fee US$0 · purchase 28.74% · SUB —
• U.S. Bank Secured Visa Card fee US$0 · purchase 27.74% · SUB —
• U.S. Bank Shield Visa Card fee US$0 · purchase — · SUB —
• U.S. Bank Smartly Visa Signature Card fee US$0 · purchase — · SUB —
• U.S. Bank Split World Mastercard retired fee US$0 · purchase — · SUB —

• USAA Eagle Adapt Visa Credit Card fee US$0 · purchase — · SUB US$200 cash
• USAA Eagle Ascend American Express Credit Card fee US$0 · purchase 27.4% · SUB US$125 cash
• USAA Preferred Cash Rewards Visa Signature Credit Card fee US$0 · purchase — · SUB US$200 cash
• USAA Rate Advantage Visa Platinum Credit Card fee US$0 · purchase — · SUB —
• USAA Cashback Rewards Plus American Express Credit Card fee US$0 · purchase — · SUB US$200 cash
• USAA Secured American Express Credit Card fee US$0 · purchase 27.4% · SUB —
• USAA Eagle Navigator Visa Signature Credit Card fee US$95 · purchase — · SUB 50,000 USAA Rewards Points

• Wells Fargo Active Cash Card fee US$0 · purchase — · SUB US$100 cash
• Wells Fargo Autograph Card fee US$0 · purchase — · SUB 20,000 Wells Fargo Rewards
• Wells Fargo Autograph Journey Card fee US$95 · purchase — · SUB 60,000 Wells Fargo Rewards
• Choice Privileges World Elite Mastercard fee US$0 · purchase — · SUB 60,000 Choice Privileges
• Choice Privileges Select World Elite Mastercard fee US$95 · purchase — · SUB 60,000 Choice Privileges
• One Key Mastercard fee US$0 · purchase — · SUB 250 OneKeyCash
• One Key+ Mastercard fee US$99 · purchase — · SUB 350 OneKeyCash
• Wells Fargo Reflect Card fee US$0 · purchase — · SUB —