1
$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
2
No Annual Fee•Altitude Points•$2,000 cap
4x points on your first $2,000 each quarter
4.00%
effective return
3
No Annual Fee•Membership Rewards
4.00%
effective return
4
$95/year•Capital One Miles
3.70%
effective return
6
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
7
Hilton Honors American Express Aspire CardAmerican Express
$550/year•Hilton Honors Points
3.50%
effective return
8
$99/year•AAdvantage Miles
3.10%
effective return
9
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.