1
Chase Freedom Flex®Chase
No Annual Fee•Chase Ultimate Rewards•$1,500 cap
This quarter (Q3 2026) · Public transit incl. trains, buses, ferries, tolls, parking · Activation required · $1,500 cap shared across all Q3 categories
Rotating (Quarterly)10.00%
effective return
2
$375/year•Membership Rewards•$150,000 cap
4x on the 2 categories where your business spends the most in each billing cycle
8.00%
effective return
4
Discover it® Cash BackDiscover
No Annual Fee•Cash Back•$1,500 cap
This quarter (Q3 2026) · Transportation · Activation required · $1,500 cap shared across all Q3 categories
Rotating (Quarterly)5.00%
effective return
5
No Annual Fee•Membership Rewards
4.00%
effective return
6
$95/year•Capital One Miles
3.70%
effective return
7
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
9
$199/year•World of Hyatt Points
3.40%
effective return
10
$95/year•World of Hyatt Points
3.40%
effective return
Our Methodology
We rank cards by effective return percentage, calculated as:
Effective Return = Category Multiplier × Base Point ValuationThis normalizes points, miles, and cash back into a single comparable metric.