1
American Express® Gold CardAmerican Express
$325/year•Membership Rewards
3x points on flights booked directly with airlines
6.00%
effective return
2
4.00%
effective return
3
No Annual Fee•Membership Rewards
4.00%
effective return
4
$95/year•Capital One Miles
3.70%
effective return
5
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
7
No Annual Fee•Chase Ultimate Rewards
3.00%
effective return
9
No Annual Fee•Cash Back
3.00%
effective return
10
No Annual Fee•Cash Back
3.00%
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.