1
American Express® Gold CardAmerican Express
$325/year•Membership Rewards•$25,000 cap
4x points at US supermarkets (up to $25,000/year)
8.00%
effective return
2
American Express® Blue Cash Preferred® CardAmerican Express
$95/year•Cash Back•$6,000 cap
6.00%
effective return
5
$95/year•Wyndham Rewards Points
5.50%
effective return
6
Discover it® Cash BackDiscover
No Annual Fee•Cash Back•$1,500 cap
Requires Activation
Rotating (Quarterly)5.00%
effective return
7
No Annual Fee•Cash Back•$500 cap
5% on top eligible spend category each billing cycle
5.00%
effective return
8
$75/year•Wyndham Rewards Points
4.40%
effective return
9
No Annual Fee•Membership Rewards
4.00%
effective return
10
$95/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.