1
$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
No Annual Fee•Membership Rewards
4.00%
effective return
4
$95/year•Capital One Miles
3.70%
effective return
6
Capital One Venture X Rewards Credit CardCapital One
$395/year•Capital One Miles
3.70%
effective return
7
$199/year•World of Hyatt Points
3.40%
effective return
8
$95/year•World of Hyatt Points
3.40%
effective return
9
No Annual Fee•Chase Ultimate Rewards
3.00%
effective return
10
Navy Federal More Rewards American Express® CardNavy Federal
No Annual Fee•Navy Federal Points
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.