2
No Annual Fee•Membership Rewards
4.00%
effective return
3
$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
6
Hilton Honors American Express Aspire CardAmerican Express
$550/year•Hilton Honors Points
3.50%
effective return
7
$199/year•World of Hyatt Points
3.40%
effective return
8
No Annual Fee•Chase Ultimate Rewards
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.