2
Discover it® Cash BackDiscover
No Annual Fee•Cash Back•$1,500 cap
Requires Activation
Rotating (Quarterly)5.00%
effective return
3
No Annual Fee•Cash Back•$500 cap
5% on top eligible spend category each billing cycle
5.00%
effective return
4
No Annual Fee•Membership Rewards
4.00%
effective return
5
$95/year•Capital One Miles
3.70%
effective return
7
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
8
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.









