1
No Annual Fee•Membership Rewards
4.00%
effective return
2
$95/year•Capital One Miles
3.70%
effective return
4
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
5
No Annual Fee•Chase Ultimate Rewards
3.00%
effective return
6
No Annual Fee•Cash Back•$50,000 cap
3% cash back in the category of your choice
3.00%
effective return
8
$145/year•United MileagePlus
2.70%
effective return
9
$99/year•TrueBlue Points
2.60%
effective return
10
$195/year•Hilton Honors Points
2.50%
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.