3
No Annual Fee•PenFed Points
4.25%
effective return
4
$95/year•Chase Ultimate Rewards
4.00%
effective return
5
No Annual Fee•Cash Back•$7,000 cap
Combined $7,000 spend per year, and then 1%.
4.00%
effective return
6
No Annual Fee•Cash Back
Combined $7,000 in spend per year, and then 1%.
4.00%
effective return
7
No Annual Fee•Membership Rewards
4.00%
effective return
8
$95/year•Capital One Miles
3.70%
effective return
10
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
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.