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Cards

The 53 U.S. credit cards PointMaxx compares, open to new applicants, ranked by what each pays a year after fees at $2,650 a month of typical household spending.

The ranking uses the spending mix of 1,229 households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey, without statement credits or sign-up bonuses. Your own ranking depends on where you spend: add your statements to see it.

CardAnnual feeNet a year
Robinhood Gold Card$0 + $50 membership$904
Amex Gold$325$692
Citi Strata Premier$95$657
Citi Double Cash$0$636
Wells Fargo Active Cash$0$636
Chase IHG Premier$150$592
Amex Blue Cash Preferred$95$582
Citi Strata$0$572
Capital One Savor$0$569
U.S. Bank Altitude Connect$0$560
Chase World of Hyatt$95$557
U.S. Bank Altitude Go$0$545
Chase Freedom Unlimited$0$544
Capital One Venture$95$541
U.S. Bank Cash+$0$520
Chase Freedom Flex$0$495
Amex Hilton Honors$0$495
Wells Fargo Autograph$0$491
Chase Sapphire Preferred$95$488
Discover It$0$485
Amex Blue Cash Everyday$0$481
Bank of America Travel Rewards$0$477
Bank of America Unlimited Cash Rewards$0$477
Capital One Quicksilver$0$477
PenFed Power Cash Rewards$0$477
Citi AAdvantage Platinum Select World Elite$99$454
Bank of America Customized Cash Rewards$0$446
Bank of America Atmos Rewards Ascent$95$439
Amex Delta SkyMiles Blue$0$431
Bank of America Premium Rewards$95$413
Chase United Gateway$0$411
Amex Hilton Honors Surpass$150$402
Capital One VentureOne$0$398
Chase Marriott Bonvoy Boundless$95$392
Amex Delta SkyMiles Gold$150$376
Chase Southwest Plus$99$361
Chase Southwest Premier$149$349
Wells Fargo Autograph Journey$95$343
Barclays JetBlue Plus$99$339
Chase United Explorer$150$281
Chase Southwest Priority$229$247
Amazon Prime Visa$0 + $139 membership$245
Capital One Venture X$395$241
Amex Delta SkyMiles Platinum$350$176
Chase United Quest$350$109
Citi Strata Elite$595$79
Chase Sapphire Reserve$795$6
Amex Hilton Honors Aspire$550−$102
Amex Marriott Bonvoy Brilliant$650−$176
Robinhood Platinum Card$695−$211
Citi AAdvantage Executive$695−$234
Amex Delta SkyMiles Reserve$650−$268
Amex Platinum$895−$418