Base Rate — Earn Rate Rankings
| Rank | Card | Earn Rate | vs. All Cards |
|---|---|---|---|
| 1 | Key2More Rewards® Mastercard® KeyBank | 5.0x points | Better than 100% |
| 2 | My GM Rewards Card Goldman Sachs | 4.0x gm_rewards | Better than 99% |
| 3 | Amex Hilton Honors American Express | 3.0x hilton_points | Better than 96% |
| 3 | IHG One Rewards Premier Business Credit Card Chase | 3.0x ihg_points | Better than 96% |
| 3 | Hilton Honors American Express Aspire Card American Express | 3.0x hilton_points | Better than 96% |
| 3 | Amex Hilton Honors Business Card American Express | 3.0x hilton_points | Better than 96% |
| 3 | IHG One Rewards Premier Credit Card Chase | 3.0x ihg_points | Better than 96% |
| 3 | Robinhood Gold Card Robinhood | 3.0x cash | Better than 96% |
| 3 | Hilton Honors American Express Surpass Card American Express | 3.0x hilton_points | Better than 96% |
| 10 | Alliant Cashback Visa® Signature Credit Card Alliant Credit Union | 2.5x cash | Better than 95% |
| 11 | Marriott Bonvoy Brilliant American Express Card American Express | 2.0x marriott_points | Better than 83% |
| 11 | Marriott Bonvoy American Express Card American Express | 2.0x marriott_points | Better than 83% |
| 11 | Marriott Bonvoy Bevy American Express Card American Express | 2.0x marriott_points | Better than 83% |
| 11 | IHG One Rewards Traveler Credit Card Chase | 2.0x ihg_points | Better than 83% |
| 11 | Amex Graphite® Business Cash Unlimited Card American Express | 2.0x cash | Better than 83% |
| 11 | Visa Signature® Flagship Rewards Credit Card Navy Federal Credit Union | 2.0x points | Better than 83% |
| 11 | SoFi Credit Card The Bancorp Bank | 2.0x cash | Better than 83% |
| 11 | Capital One Spark Miles for Business Capital One | 2.0x capital_one_miles | Better than 83% |
| 11 | Capital One Venture X Business Capital One | 2.0x capital_one_miles | Better than 83% |
| 11 | Marriott Bonvoy Bountiful™ Credit Card Chase | 2.0x marriott_points | Better than 83% |
| 11 | Citi Double Cash® Card Citi | 2.0x citi_thankyou_points | Better than 83% |
| 11 | U.S. Bank Business Altitude™ Power World Elite Mastercard® U.S. Bank | 2.0x us_bank_altitude_points | Better than 83% |
| 11 | Marriott Bonvoy Bold® Credit Card Chase | 2.0x marriott_points | Better than 83% |
| 11 | TD Double Up℠ Credit Card TD Bank | 2.0x cash | Better than 83% |
| 11 | Signify Business Cash℠ Card by Wells Fargo Wells Fargo | 2.0x cash | Better than 83% |
| 11 | Wells Fargo Active Cash® Card Wells Fargo | 2.0x cash | Better than 83% |
| 11 | Amex Marriott Bonvoy Business Card American Express | 2.0x marriott_points | Better than 83% |
| 11 | Capital One Venture Rewards Credit Card Capital One | 2.0x capital_one_miles | Better than 83% |
| 11 | Capital One Venture X Rewards Credit Card Capital One | 2.0x capital_one_miles | Better than 83% |
| 11 | Ink Business Premier® Credit Card Chase | 2.0x cash | Better than 83% |
| 11 | Power Cash Rewards Visa Signature® Card PenFed Credit Union | 2.0x cash | Better than 83% |
| 11 | Marriott Bonvoy Boundless® Credit Card Chase | 2.0x marriott_points | Better than 83% |
| 11 | Fidelity® Rewards Visa Signature® Card Elan Financial Services | 2.0x cash | Better than 83% |
| 11 | FNBO Evergreen® Rewards Visa® First National Bank of Omaha (FNBO) | 2.0x cash | Better than 83% |
| 11 | Capital One Spark Cash Plus Capital One | 2.0x cash | Better than 83% |
| 36 | Citizens Cash Back Plus™ World Mastercard® Citizens Bank | 1.8x cash | Better than 82% |
| 37 | cashRewards Credit Card Navy Federal Credit Union | 1.8x cash | Better than 82% |
| 38 | Fifth Third 1.67% Cash/Back Card Fifth Third Bank | 1.7x cash | Better than 81% |
| 39 | Petal® 2 "Cash Back, No Fees" Visa® Credit Card WebBank (Petal) | 1.5x cash | Better than 64% |
| 39 | Platinum Rewards Credit Card Golden 1 Credit Union | 1.5x cash | Better than 64% |
| 39 | Bank of America Unlimited Cash Rewards Bank of America | 1.5x cash | Better than 64% |
| 39 | Discover it® Miles Discover | 1.5x discover_miles | Better than 64% |
| 39 | Pathfinder® Rewards Visa Signature® Card PenFed Credit Union | 1.5x points | Better than 64% |
| 39 | Upgrade Cash Rewards Visa® Upgrade (Sutton Bank) | 1.5x cash | Better than 64% |
| 39 | Bank of America Premium Rewards Elite Bank of America | 1.5x boa_points | Better than 64% |
| 39 | Capital One Spark Miles Select for Business Capital One | 1.5x capital_one_miles | Better than 64% |
| 39 | PayPal Cashback Mastercard® Synchrony | 1.5x cash | Better than 64% |
| 39 | Business Advantage Unlimited Cash Rewards Mastercard® Bank of America | 1.5x cash | Better than 64% |
| 39 | Business Advantage Travel Rewards World Mastercard® Bank of America | 1.5x boa_points | Better than 64% |
| 39 | Chase Freedom Unlimited® Chase | 1.5x chase_points | Better than 64% |
| 39 | Amex Cash Magnet American Express | 1.5x cash | Better than 64% |
| 39 | Bank of America® Travel Rewards Credit Card Bank of America | 1.5x bofa_travel_rewards | Better than 64% |
| 39 | U.S. Bank Shopper Cash Rewards® Visa Signature® Card U.S. Bank | 1.5x cash | Better than 64% |
| 39 | Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Bank of America | 1.5x cash | Better than 64% |
| 39 | Bank of America® Premium Rewards® Credit Card Bank of America | 1.5x bofa_premium_rewards | Better than 64% |
| 39 | Capital One Spark Cash Select Capital One | 1.5x cash | Better than 64% |
| 39 | Bank of America® Business Advantage Travel Rewards World Mastercard® Bank of America | 1.5x bofa_travel_rewards | Better than 64% |
| 39 | Ramp Corporate Card Ramp | 1.5x cash | Better than 64% |
| 39 | Capital One Quicksilver Cash Rewards Credit Card Capital One | 1.5x cash | Better than 64% |
| 39 | Bank of America Travel Rewards Bank of America | 1.5x boa_points | Better than 64% |
| 39 | Bank of America® Unlimited Cash Rewards Credit Card Bank of America | 1.5x cash | Better than 64% |
| 39 | Bank of America Premium Rewards Bank of America | 1.5x boa_points | Better than 64% |
| 39 | BECU Visa® Credit Card BECU | 1.5x cash | Better than 64% |
| 39 | SchoolsFirst Inspire Mastercard® SchoolsFirst FCU | 1.5x cash | Better than 64% |
| 39 | Regions Cash Rewards Visa® Regions Bank | 1.5x cash | Better than 64% |
| 39 | M&T Visa® Signature Credit Card M&T Bank | 1.5x points | Better than 64% |
| 39 | Bank of America® Premium Rewards® Elite Credit Card Bank of America | 1.5x bofa_premium_rewards | Better than 64% |
| 39 | Capital One QuicksilverOne Cash Rewards Credit Card Capital One | 1.5x cash | Better than 64% |
| 39 | Air France KLM World Elite Mastercard® Bank of America | 1.5x airline_miles | Better than 64% |
| 39 | Capital One Quicksilver Student Cash Rewards Credit Card Capital One | 1.5x cash | Better than 64% |
| 39 | Virgin Atlantic World Elite Mastercard® Bank of America | 1.5x airline_miles | Better than 64% |
| 39 | Santander® Ultimate Cash Back Santander Bank | 1.5x cash | Better than 64% |
| 39 | Chase Ink Business Unlimited® Chase | 1.5x chase_points | Better than 64% |
| 74 | Capital One VentureOne Rewards Credit Card Capital One | 1.2x capital_one_miles | Better than 63% |
| 75 | Allegiant World Mastercard® Bank of America | 1.0x airline_miles | Better than 0% |
| 75 | Citi Strata Premier℠ Card Citi | 1.0x citi_thankyou_points | Better than 0% |
| 75 | Delta SkyMiles Reserve American Express Card American Express | 1.0x delta_miles | Better than 0% |
| 75 | JetBlue Card Barclays | 1.0x jetblue_trueblue | Better than 0% |
| 75 | DoorDash Rewards Mastercard® Chase | 1.0x cash | Better than 0% |
| 75 | AT&T Points Plus® Card from Citi Citi | 1.0x citi_thankyou_points | Better than 0% |
| 75 | Norwegian Cruise Line® World Mastercard® Bank of America | 1.0x cruise_points | Better than 0% |
| 75 | AAdvantage® Aviator® Red World Elite Mastercard® Barclays | 1.0x american_airlines_aadvantage | Better than 0% |
| 75 | Wyndham Rewards Earner® Plus Card Barclays | 1.0x wyndham_rewards | Better than 0% |
| 75 | Amex Blue Cash Everyday American Express | 1.0x cash | Better than 0% |
| 75 | Amex Delta SkyMiles® Platinum Business Card American Express | 1.0x delta_miles | Better than 0% |
| 75 | Amex Delta SkyMiles Gold American Express | 1.0x delta_miles | Better than 0% |
| 75 | Costco Anywhere Visa® Business Card by Citi Citi | 1.0x cash | Better than 0% |
| 75 | Amex Blue Cash Preferred American Express | 1.0x cash | Better than 0% |
| 75 | Free Spirit® Travel Mastercard® Bank of America | 1.0x airline_miles | Better than 0% |
| 75 | United Club℠ Business Card Chase | 1.0x united_miles | Better than 0% |
| 75 | Instacart Mastercard® Chase | 1.0x cash | Better than 0% |
| 75 | Wells Fargo Attune℠ Card Wells Fargo | 1.0x cash | Better than 0% |
| 75 | Ink Business Cash® Credit Card Chase | 1.0x chase_points | Better than 0% |
| 75 | Southwest® Rapid Rewards® Performance Business Credit Card Chase | 1.0x southwest_points | Better than 0% |
| 75 | Disney® Premier Visa® Card Chase | 1.0x disney_rewards_dollars | Better than 0% |
| 75 | World of Hyatt Credit Card Chase | 1.0x hyatt_points | Better than 0% |
| 75 | Chase Sapphire Preferred Chase | 1.0x chase_points | Better than 0% |
| 75 | CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Citi | 1.0x aa_miles | Better than 0% |
| 75 | Macy's American Express Card Citibank | 1.0x store_credit | Better than 0% |
| 75 | Amex Delta SkyMiles Platinum American Express | 1.0x delta_miles | Better than 0% |
| 75 | Amex Platinum Card American Express | 1.0x amex_points | Better than 0% |
| 75 | Southwest® Rapid Rewards® Premier Business Credit Card Chase | 1.0x southwest_points | Better than 0% |
| 75 | Citi Dividend Card Citibank | 1.0x cash | Better than 0% |
| 75 | Special Connections® Visa® Commerce Bank | 1.0x cash | Better than 0% |
| 75 | Amex Delta SkyMiles® Gold Business Card American Express | 1.0x delta_miles | Better than 0% |
| 75 | Bank of America Customized Cash Rewards Bank of America | 1.0x cash | Better than 0% |
| 75 | Chase Aeroplan® Credit Card Chase | 1.0x aeroplan_points | Better than 0% |
| 75 | Discover it® Student Cash Back Discover | 1.0x cash | Better than 0% |
| 75 | Amex Business Gold Card American Express | 1.0x amex_points | Better than 0% |
| 75 | Apple Card Goldman Sachs | 1.0x cash | Better than 0% |
| 75 | More Rewards American Express® Card Navy Federal Credit Union | 1.0x points | Better than 0% |
| 75 | U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank | 1.0x cash | Better than 0% |
| 75 | Alaska Airlines Visa Signature® Bank of America | 1.0x airline_miles | Better than 0% |
| 75 | Southwest Rapid Rewards® Premier Credit Card Chase | 1.0x southwest_points | Better than 0% |
| 75 | American Airlines AAdvantage® MileUp® Mastercard® Citi | 1.0x aa_miles | Better than 0% |
| 75 | Amex Blue Business Cash Card American Express | 1.0x cash | Better than 0% |
| 75 | Wyndham Rewards Earner® Business Card Barclays | 1.0x wyndham_rewards | Better than 0% |
| 75 | Citi Custom Cash® Card Citi | 1.0x citi_thankyou_points | Better than 0% |
| 75 | Platinum Rewards Visa Signature® Card PenFed Credit Union | 1.0x points | Better than 0% |
| 75 | Robinhood Platinum Card Robinhood | 1.0x cash | Better than 0% |
| 75 | U.S. Bank Business Leverage® Visa Signature® Card U.S. Bank | 1.0x cash | Better than 0% |
| 75 | Centurion Card from American Express American Express | 1.0x amex_points | Better than 0% |
| 75 | Amex Green Card American Express | 1.0x amex_points | Better than 0% |
| 75 | Comerica Platinum Rewards Mastercard® Comerica Bank | 1.0x points | Better than 0% |
| 75 | U.S. Bank Cash+® Visa Signature® Card U.S. Bank | 1.0x cash | Better than 0% |
| 75 | Wells Fargo Autograph Journey℠ Card Wells Fargo | 1.0x wells_fargo_rewards | Better than 0% |
| 75 | Amex EveryDay American Express | 1.0x amex_points | Better than 0% |
| 75 | BMO Cash Back Mastercard® BMO (US) | 1.0x cash | Better than 0% |
| 75 | AAA Daily Advantage Visa Signature® Credit Card Bread Financial (Comenity) | 1.0x cash | Better than 0% |
| 75 | Capital One SavorOne Student Cash Rewards Credit Card Capital One | 1.0x cash | Better than 0% |
| 75 | Gemini Credit Card® WebBank (Gemini) | 1.0x crypto | Better than 0% |
| 75 | Bilt Mastercard® Wells Fargo | 1.0x bilt_points | Better than 0% |
| 75 | The Blue Business Plus Credit Card from American Express American Express | 1.0x amex_points | Better than 0% |
| 75 | Bilt World Elite Mastercard® Wells Fargo (Bilt) | 1.0x points | Better than 0% |
| 75 | Discover it® Secured Credit Card Discover | 1.0x cash | Better than 0% |
| 75 | My Best Buy Visa Card Citibank | 1.0x store_credit | Better than 0% |
| 75 | Huntington Voice Credit Card® Huntington Bank | 1.0x points | Better than 0% |
| 75 | GO REWARDS® Credit Card Navy Federal Credit Union | 1.0x points | Better than 0% |
| 75 | Choice Privileges® Mastercard® Wells Fargo | 1.0x choice_privileges | Better than 0% |
| 75 | Ink Business Preferred® Credit Card Chase | 1.0x chase_points | Better than 0% |
| 75 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Citi | 1.0x aa_miles | Better than 0% |
| 75 | Choice Privileges® Select Mastercard® Wells Fargo | 1.0x choice_privileges | Better than 0% |
| 75 | Business Green Rewards Card from American Express American Express | 1.0x amex_points | Better than 0% |
| 75 | Amex Business Platinum Card® American Express | 1.0x amex_points | Better than 0% |
| 75 | World Wildlife Fund Customized Cash Rewards Visa® Bank of America | 1.0x cash | Better than 0% |
| 75 | Capital One SavorOne Cash Rewards Credit Card Capital One | 1.0x cash | Better than 0% |
| 75 | Costco Anywhere Visa® Card by Citi Citi | 1.0x cash | Better than 0% |
| 75 | Odyssey™ Rewards World Elite Mastercard® First Tech FCU | 1.0x points | Better than 0% |
| 75 | Tomo Credit Card TomoCredit (Community Federal Savings Bank) | 1.0x cash | Better than 0% |
| 75 | USAA® Cashback Rewards Plus American Express® Card USAA | 1.0x cash | Better than 0% |
| 75 | Free Spirit® Travel More World Elite Mastercard® Bank of America | 1.0x airline_miles | Better than 0% |
| 75 | PNC Cash Rewards® Visa® Credit Card PNC Bank | 1.0x cash | Better than 0% |
| 75 | Amazing Rewards® Visa® Credit Card Zions Bank | 1.0x points | Better than 0% |
| 75 | Citi® / AAdvantage® Executive World Elite Mastercard® Citi | 1.0x aa_miles | Better than 0% |
| 75 | Discover it® Cash Back Discover | 1.0x cash | Better than 0% |
| 75 | Amex Delta SkyMiles® Reserve Business Card American Express | 1.0x delta_miles | Better than 0% |
| 75 | Bank of America® Business Advantage Customized Cash Rewards Mastercard® Bank of America | 1.0x cash | Better than 0% |
| 75 | Sonesta World Mastercard® Bank of America | 1.0x hotel_points | Better than 0% |
| 75 | AAA Travel Advantage Visa Signature® Credit Card Bread Financial (Comenity) | 1.0x cash | Better than 0% |
| 75 | Chase Freedom Flex℠ Chase | 1.0x chase_points | Better than 0% |
| 75 | JetBlue Plus Card Barclays | 1.0x jetblue_trueblue | Better than 0% |
| 75 | Southwest Rapid Rewards® Plus Credit Card Chase | 1.0x southwest_points | Better than 0% |
| 75 | Gold Rewards Card American Express | 1.0x amex_points | Better than 0% |
| 75 | Brex Corporate Card Brex | 1.0x points | Better than 0% |
| 75 | United Gateway℠ Credit Card Chase | 1.0x united_miles | Better than 0% |
| 75 | Wells Fargo Autograph℠ Card Wells Fargo | 1.0x wells_fargo_rewards | Better than 0% |
| 75 | World of Hyatt Business Credit Card Chase | 1.0x hyatt_points | Better than 0% |
| 75 | Platinum Rewards Visa® Credit One Bank | 1.0x cash | Better than 0% |
| 75 | Truist Enjoy Cash credit card Truist | 1.0x cash | Better than 0% |
| 75 | U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank | 1.0x us_bank_altitude_points | Better than 0% |
| 75 | Amex Delta SkyMiles Blue American Express | 1.0x delta_miles | Better than 0% |
| 75 | Alaska Airlines Visa® Business Card Bank of America | 1.0x airline_miles | Better than 0% |
| 75 | Celebrity Cruises® Visa Signature® Bank of America | 1.0x cruise_points | Better than 0% |
| 75 | U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank | 1.0x us_bank_altitude_points | Better than 0% |
| 75 | United℠ Explorer Card Chase | 1.0x united_miles | Better than 0% |
| 75 | Discover it® Chrome Discover | 1.0x cash | Better than 0% |
| 75 | U.S. Bank Business Altitude™ Connect World Elite Mastercard® U.S. Bank | 1.0x us_bank_altitude_points | Better than 0% |
| 75 | Royal Caribbean® Visa Signature® Bank of America | 1.0x cruise_points | Better than 0% |
| 75 | United℠ Business Card Chase | 1.0x united_miles | Better than 0% |
| 75 | Disney® Visa® Card Chase | 1.0x disney_rewards_dollars | Better than 0% |
| 75 | Chase Sapphire Reserve® Chase | 1.0x chase_points | Better than 0% |
| 75 | United Quest℠ Card Chase | 1.0x united_miles | Better than 0% |
| 75 | Venmo Credit Card Synchrony | 1.0x cash | Better than 0% |
| 75 | U.S. Bank Altitude® Reserve Visa Infinite® Card U.S. Bank | 1.0x us_bank_altitude_points | Better than 0% |
| 75 | Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley American Express | 1.0x cash | Better than 0% |
| 75 | Hawaiian Airlines® World Elite Mastercard® Barclays | 1.0x hawaiian_airlines_hawaiianmiles | Better than 0% |
| 75 | Business Advantage Customized Cash Rewards Mastercard® Bank of America | 1.0x cash | Better than 0% |
| 75 | Amazon Visa Chase | 1.0x cash | Better than 0% |
| 75 | Disney® Inspire Visa® Card Chase | 1.0x disney_rewards_dollars | Better than 0% |
| 75 | Amazon Prime Visa Chase | 1.0x cash | Better than 0% |
| 75 | Southwest Rapid Rewards® Priority Credit Card Chase | 1.0x southwest_points | Better than 0% |
| 75 | United Club℠ Infinite Card Chase | 1.0x united_miles | Better than 0% |
| 75 | L.L.Bean Mastercard Citibank | 1.0x store_credit | Better than 0% |
| 75 | Citi ThankYou Preferred Card Citibank | 1.0x thankyou_points | Better than 0% |
| 75 | Discover it® Student Chrome Discover | 1.0x cash | Better than 0% |
| 75 | Bank of America® Customized Cash Rewards Credit Card Bank of America | 1.0x cash | Better than 0% |
| 75 | Citi Prestige Card Citibank | 1.0x thankyou_points | Better than 0% |
| 75 | Shop Your Way Mastercard Citibank | 1.0x store_credit | Better than 0% |
| 75 | Susan G. Komen® Customized Cash Rewards Visa® Bank of America | 1.0x cash | Better than 0% |
| 75 | Priority Destinations® World Elite Mastercard® First Hawaiian Bank | 1.0x points | Better than 0% |
| 75 | Citi Premier Card Citibank | 1.0x thankyou_points | Better than 0% |
| 75 | Citi Rewards+® Card Citi | 1.0x citi_thankyou_points | Better than 0% |