Every card, every rate

All 55 cards Cardful knows about, and what each one pays. This is the catalogue the extension ranks your own wallet from — the same rates, the same conditions, the same refusal to round.

A rate that only pays while you have its category switched on, or only through the issuer's travel portal, says so in the row. Rates nobody has re-checked against the issuer say that too, rather than sitting in a table that implies they were.

ChaseSapphire Preferred Sapphire Reserve Freedom Unlimited Freedom Flex United Explorer Rapid Rewards Priority Bonvoy Boundless World of Hyatt IHG One Rewards Premier United Quest
American ExpressGold Card Platinum Card Blue Cash Preferred Blue Cash Everyday Blue Business Plus Delta SkyMiles Gold Delta SkyMiles Platinum Hilton Honors Surpass Hilton Honors Card Classic Green Card Hilton Honors Aspire Marriott Bonvoy Brilliant Delta SkyMiles Reserve
CitiDouble Cash Custom Cash Strata Premier Costco Anywhere Visa AAdvantage Platinum Select Strata Elite
Capital OneVenture X Venture Rewards Savor Quicksilver VentureOne Rewards
DiscoverDiscover it Cash Back Discover it Miles
Wells FargoActive Cash Autograph Attune
Bank of AmericaCustomized Cash Rewards Premium Rewards Atmos Rewards Ascent Visa Signature Unlimited Cash Rewards Travel Rewards
BiltBilt Mastercard
Amazon / ChasePrime Visa
TargetTarget Circle Card
Goldman SachsApple Card
U.S. BankAltitude Go Smartly Visa Signature Cash+ Visa Signature
PenFedPathfinder Rewards
FidelityFidelity Rewards Visa Signature
RobinhoodRobinhood Gold Card
SoFiSoFi Unlimited 2%

Chase

Sapphire Preferred

Chase

$95/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights, Hotels	5x	Only through the issuer's travel portal · Booked through Chase Travel
Restaurants & Bars, Food Delivery	3x
Streaming	3x
Gas Stations, EV Charging	3x	Gas and EV charging
Vacation Rentals	3x	Only through the issuer's travel portal · Select vacation rentals booked through Chase Travel
Grocery Delivery	3x	instacart only · Online grocery orders only (e.g. Instacart) — in-store trips, Target, Walmart and wholesale clubs don't qualify
Flights, Hotels, Public Transit, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals	2x	Travel booked anywhere else
Everything else	1x

Sapphire Reserve

Chase

$795/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals	8x	Only through the issuer's travel portal · Booked through Chase Travel
Flights, Hotels, Vacation Rentals	4x	Booked directly with the airline or hotel
Restaurants & Bars, Food Delivery	3x
Everything else	1x

Freedom Unlimited

Chase

No annual fee · 3% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals	5x	Only through the issuer's travel portal · Booked through Chase Travel
Restaurants & Bars, Food Delivery	3x
Drugstores	3x
Everything else	1.5x

Freedom Flex

Chase

No annual fee · No foreign transaction fee · Categories rotate quarterly Rates checked 2026-08

Earns on	Rate	Conditions
Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Phone & Internet, Food Delivery, Grocery Delivery, EV Charging, Rideshare & Taxis, Superstores, Home Improvement, Department Stores, Gyms & Fitness	5x	Only while you have this category switched on · Up to $1,500 per quarter, then the base rate · Rotating category — you must activate it each quarter
Flights, Hotels, Vacation Rentals	5x	Only through the issuer's travel portal · Booked through Chase Travel
Restaurants & Bars, Food Delivery	3x
Drugstores	3x
Everything else	1x

United Explorer

Chase

$150/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	3x	united only · United purchases only
Restaurants & Bars, Food Delivery	2x
Hotels	2x	Booked directly with the hotel
Everything else	1x

Rapid Rewards Priority

Chase

$229/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	4x	southwest only · Southwest purchases only
Gas Stations, Restaurants & Bars, Food Delivery	2x
Everything else	1x

Bonvoy Boundless

Chase

$95/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels	6x	marriott only · Marriott Bonvoy properties only
Groceries, Gas Stations, Restaurants & Bars, Food Delivery	3x	Up to $6,000 per year, then the base rate
Everything else	2x

World of Hyatt

Chase

$95/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels	4x	hyatt only · Hyatt hotels and resorts
Restaurants & Bars, Food Delivery	2x
Gyms & Fitness	2x	Gym and fitness club memberships
Public Transit, Rideshare & Taxis	2x	Local transit and commuting, including rideshare
Flights	2x	Airline tickets bought directly with the airline
Everything else	1x

IHG One Rewards Premier

Chase

$99/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels	10x	ihg only · IHG hotels and resorts
Gas Stations, Restaurants & Bars, Food Delivery, Flights, Car Rental, Vacation Rentals	5x	Gas, restaurants and travel
Everything else	3x

United Quest

Chase

$350/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights	3x	united only · United purchases only
Restaurants & Bars, Food Delivery	2x
Hotels, Rideshare & Taxis, Public Transit	2x	Travel other than United
Streaming	2x	Select streaming services
Everything else	1x

American Express

Gold Card

American Express

$325/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery	4x	Up to $50,000 per year, then the base rate
Groceries	4x	Up to $25,000 per year, then the base rate · US supermarkets only
Flights	3x	Booked directly with the airline or through Amex Travel
Everything else	1x

Platinum Card

American Express

$895/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	5x	Up to $500,000 per year, then the base rate · Booked with the airline or Amex Travel
Hotels	5x	Only through the issuer's travel portal · Prepaid hotels through Amex Travel
Everything else	1x

Blue Cash Preferred

American Express

$95/yr · 2.7% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Groceries	6%	Up to $6,000 per year, then the base rate · US supermarkets only
Streaming	6%	Select US streaming services
Public Transit, Rideshare & Taxis, Parking & Tolls	3%
Gas Stations	3%	US gas stations
Everything else	1%

Blue Cash Everyday

American Express

No annual fee · 2.7% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Groceries	3%	Up to $6,000 per year, then the base rate · US supermarkets only
Online Shopping	3%	Up to $6,000 per year, then the base rate · US online retail
Gas Stations	3%	Up to $6,000 per year, then the base rate · US gas stations
Everything else	1%

Blue Business Plus

American Express

No annual fee · 2.7% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else	2x	Up to $50,000 per year, then the base rate · 2x on every purchase, with no bonus categories to track
Everything else	1x

Delta SkyMiles Gold

American Express

$150/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	2x	delta only · Delta purchases only
Restaurants & Bars, Food Delivery	2x
Groceries	2x	US supermarkets only
Everything else	1x

Delta SkyMiles Platinum

American Express

$350/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	3x	delta only · Delta purchases only
Hotels	3x
Restaurants & Bars, Food Delivery	2x
Groceries	2x	US supermarkets only
Everything else	1x

Hilton Honors Surpass

American Express

$150/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels	12x	hilton only · Hilton properties only
Restaurants & Bars, Food Delivery, Groceries, Gas Stations	6x	US merchants only
Online Shopping	4x	US online retail
Everything else	3x

Hilton Honors Card

American Express

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels	7x	hilton only · Hilton properties only
Restaurants & Bars, Food Delivery, Groceries, Gas Stations	5x	US merchants only
Everything else	3x

Classic Green Card

American Express

$150/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals, Car Rental	3x	Travel, including airfare, hotels, campgrounds, car rentals and cruises
Public Transit, Rideshare & Taxis, Parking & Tolls	3x	Transit — trains, taxis, rideshare, ferries, tolls, parking, buses and subways
Restaurants & Bars, Food Delivery	3x	Restaurants worldwide, including takeout
Everything else	1x

Hilton Honors Aspire

American Express

$550/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels	14x	hilton only · Hilton portfolio properties only
Flights	7x	Booked directly with the airline or through Amex Travel
Car Rental	7x	Booked directly with select car rental companies
Restaurants & Bars	7x	US restaurants only
Everything else	3x

Marriott Bonvoy Brilliant

American Express

$650/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels	6x	marriott only · Hotels participating in Marriott Bonvoy
Restaurants & Bars	3x	Restaurants worldwide
Flights	3x	Booked directly with the airline
Everything else	2x

Delta SkyMiles Reserve

American Express

$650/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights	3x	delta only · Delta purchases only
Everything else	1x

Citi

Double Cash

Citi

No annual fee · 3% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Everything else	2x

Custom Cash

Citi

No annual fee · 3% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Groceries, Gas Stations, Public Transit, Streaming, Drugstores, Entertainment, Hotels, Food Delivery, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals, Home Improvement, Gyms & Fitness	5x	Only while you have this category switched on · Up to $500 per billing cycle, then the base rate · Automatically applies to your top eligible category each billing cycle
Everything else	1x

Strata Premier

Citi

$95/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels, Car Rental, Entertainment	10x	Only through the issuer's travel portal · Hotels, car rentals and attractions via Citi Travel
Restaurants & Bars, Food Delivery, Groceries, Gas Stations, Flights, Hotels	3x
Everything else	1x

Costco Anywhere Visa

Citi

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Gas Stations, EV Charging	5%	costco-gas only · Up to $7,000 per year, then the base rate · Gas at Costco — shares a $7,000/year cap with other gas
Gas Stations, EV Charging	4%	Up to $7,000 per year, then the base rate · Other gas and EV charging — shares the $7,000/year cap
Restaurants & Bars, Food Delivery, Flights, Hotels	3%
Wholesale Clubs	2%	costco only · Costco warehouse and Costco.com
Everything else	1%

AAdvantage Platinum Select

Citi

$99/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Flights	2x	american-airlines only · American Airlines purchases only
Restaurants & Bars, Food Delivery, Gas Stations	2x
Everything else	1x

Strata Elite

Citi

$595/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels, Car Rental, Entertainment	12x	Only through the issuer's travel portal · Booked through Citi Travel
Flights	6x	Only through the issuer's travel portal · Booked through Citi Travel
Restaurants & Bars, Food Delivery	3x	6x on Friday and Saturday 6pm–6am ET
Everything else	1.5x

Capital One

Venture X

Capital One

$395/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels, Car Rental	10x	Only through the issuer's travel portal · Hotels and rental cars via Capital One Travel
Flights, Vacation Rentals	5x	Only through the issuer's travel portal · Flights and vacation rentals booked through Capital One Travel
Entertainment	5x	Only through the issuer's travel portal · Capital One Entertainment purchases
Everything else	2x

Venture Rewards

Capital One

$95/yr · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels, Car Rental	5x	Only through the issuer's travel portal · Hotels and rental cars via Capital One Travel
Everything else	2x

Savor

Capital One

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery, Entertainment, Streaming, Groceries	3%	Groceries exclude superstores like Walmart and Target
Everything else	1%

Quicksilver

Capital One

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Hotels, Car Rental	5%	Only through the issuer's travel portal · Hotels and rental cars via Capital One Travel
Entertainment	5%	Only through the issuer's travel portal · Capital One Entertainment purchases
Everything else	1.5%

VentureOne Rewards

Capital One

No annual fee · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Hotels, Vacation Rentals, Car Rental, Entertainment	5x	Only through the issuer's travel portal · Booked through Capital One Travel
Everything else	1.3x

Discover

Discover it Cash Back

Discover

No annual fee · No foreign transaction fee · Categories rotate quarterly Rates checked 2026-08

Earns on	Rate	Conditions
Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Food Delivery, EV Charging, Superstores, Home Improvement	5%	Only while you have this category switched on · Up to $1,500 per quarter, then the base rate · Rotating category — you must activate it each quarter
Everything else	1%

Discover it Miles

Discover

No annual fee · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Everything else	1.5%

Wells Fargo

Active Cash

Wells Fargo

No annual fee · 3% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Everything else	2%

Autograph

Wells Fargo

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Gas Stations, Public Transit, Flights, Hotels, Streaming, Phone & Internet, Food Delivery, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals	3x
Everything else	1x

Attune

Wells Fargo

No annual fee Rates checked 2026-09

Earns on	Rate	Conditions
Gyms & Fitness, Beauty	4%	Self-care — gyms, exercise classes, salons and spas
Entertainment, Sporting Goods	4%	Sports, recreation and entertainment
Public Transit, EV Charging	4%	Planet-friendly spending — public transit, EV charging and select thrift stores
Everything else	1%

Bank of America

Customized Cash Rewards

Bank of America

No annual fee · 3% abroad Rates checked 2026-08

Earns on	Rate	Conditions
Gas Stations, Online Shopping, Restaurants & Bars, Public Transit, Entertainment, Drugstores, Food Delivery, EV Charging, Rideshare & Taxis, Car Rental, Vacation Rentals, Home Improvement	3%	Only while you have this category switched on · Up to $2,500 per quarter, then the base rate · Your chosen category — $2,500 combined quarterly cap with the 2% tier
Groceries, Wholesale Clubs	2%	Up to $2,500 per quarter, then the base rate
Everything else	1%

Premium Rewards

Bank of America

$95/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls, Restaurants & Bars, Food Delivery	2%	Travel and dining
Everything else	1.5%

Atmos Rewards Ascent Visa Signature

Bank of America

$95/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights	3x	alaska, hawaiian only · Alaska and Hawaiian purchases only
Gas Stations, EV Charging, Streaming, Phone & Internet	2x
Public Transit, Rideshare & Taxis, Parking & Tolls	2x
Everything else	1x

Unlimited Cash Rewards

Bank of America

No annual fee · 3% abroad Rates checked 2026-09

Earns on	Rate	Conditions
Everything else	1.5%

Travel Rewards

Bank of America

No annual fee · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Everything else	1.5%

Bilt

Bilt Mastercard

Bilt

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery	3x
Flights, Hotels, Vacation Rentals, Car Rental	2x
Rent	1x	Rent with no transaction fee — requires 5 transactions per month
Everything else	1x

Amazon / Chase

Prime Visa

Amazon / Chase

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Online Shopping, Groceries	5%	amazon, whole-foods only · Amazon and Whole Foods, with an active Prime membership
Restaurants & Bars, Gas Stations, Public Transit, Food Delivery, Rideshare & Taxis	2%
Everything else	1%

Target

Target Circle Card

Target

No annual fee Rates checked 2026-08

Earns on	Rate	Conditions
Everything Else, Groceries, Online Shopping, Superstores	5%	target only · Taken off at the register as a discount rather than earned as rewards
Everything else	0%

Goldman Sachs

Apple Card

Goldman Sachs

No annual fee · No foreign transaction fee Rates checked 2026-08

Earns on	Rate	Conditions
Everything Else, Online Shopping	3%	apple-store only · Apple purchases and a rotating list of partner merchants
Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else	2%	Only when you pay with Apple Pay — the physical titanium card earns 1%
Everything else	1%

U.S. Bank

Altitude Go

U.S. Bank

No annual fee Rates checked 2026-08

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery	4%	Up to $2,000 per quarter, then the base rate · Dining, takeout and food delivery
Groceries, Gas Stations, Streaming, Grocery Delivery, EV Charging	2%	Includes grocery delivery and EV charging
Everything else	1%

Smartly Visa Signature

U.S. Bank

No annual fee Rates checked 2026-09

Earns on	Rate	Conditions
Everything else	2%

Cash+ Visa Signature

U.S. Bank

No annual fee Rates checked 2026-09

Earns on	Rate	Conditions
Restaurants & Bars, Food Delivery, Utilities, Phone & Internet, Streaming, Department Stores, Gyms & Fitness, Entertainment, Public Transit, Rideshare & Taxis, Parking & Tolls, Clothing, Sporting Goods	5%	Only while you have this category switched on · Up to $2,000 per quarter, then the base rate · Two categories you pick from the issuer's list — $2,000 combined quarterly cap, then 1%
Everything else	1%

PenFed

Pathfinder Rewards

PenFed

$95/yr · No foreign transaction fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis	3%	Travel — 4x for PenFed Honors Advantage members
Everything else	1.5%

Fidelity

Fidelity Rewards Visa Signature

Fidelity

No annual fee Rates checked 2026-09

Earns on	Rate	Conditions
Everything else	2%

Robinhood

Robinhood Gold Card

Robinhood

$50/yr Rates checked 2026-09

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals, Car Rental	5%	Only through the issuer's travel portal · Booked through Robinhood Travel
Everything else	3%

SoFi

SoFi Unlimited 2%

SoFi

No annual fee Rates checked 2026-09

Earns on	Rate	Conditions
Flights, Hotels, Vacation Rentals, Car Rental	3%	Only through the issuer's travel portal · Booked through SoFi Travel
Everything else	2%

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