1
$95/year•Wyndham Rewards Points
8.80%
effective return
2
$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
3
$75/year•Wyndham Rewards Points
6.60%
effective return
6
No Annual Fee•Cash Back•$500 cap
5% on top eligible spend category each billing cycle
5.00%
effective return
7
No Annual Fee•Cash Back•$3,000 cap
5.00%
effective return
8
No Annual Fee•PenFed Points
4.25%
effective return
9
No Annual Fee•Cash Back•$7,000 cap
Combined $7,000 spend per year, and then 1%.
4.00%
effective return
10
No Annual Fee•Cash Back
Combined $7,000 in spend per year, and then 1%.
4.00%
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.