1
The Platinum Card® from American ExpressAmerican Express
$895/year•Membership Rewards
5x on flights booked direct
10.00%
effective return
2
8.00%
effective return
6
No Annual Fee•Membership Rewards
4.00%
effective return
7
$95/year•Capital One Miles
3.70%
effective return
9
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
10
$199/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.