1
8.00%
effective return
5
No Annual Fee•Membership Rewards
4.00%
effective return
6
$95/year•Capital One Miles
3.70%
effective return
8
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
9
Delta SkyMiles® Platinum American Express CardAmerican Express
$350/year•Delta SkyMiles
3.30%
effective return
10
$350/year•Delta SkyMiles
3.30%
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.