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★ THE HONEST NUMBER ON EVERY CARD IN THE UNITED STATES1,011 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSJPMORGAN CHASE BANK · SYNCHRONY · FIRST NATIONAL BANK OF OMAHA (FNBO / FIRST BANKCARD) · CAPITAL ONE · BREAD FINANCIAL (COMENITY BANK) · AMERICAN EXPRESS · BANK OF AMERICA

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 1,011 cards we track in the United States — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 1,011 cards in our United States catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 1,011 cards we track in the United States against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in the United States.

the full index · pointsexplained.com/us1,011 CARDS

CardFeeWelcomeTop rate
$9575,000 pts5x Chase Travel
Chase Sapphire Reserve®
JPMorgan Chase Bank
$795100,000 pts8x all purchases through Chase Travel, including The EditSM
$05,000 pts1.5x Other
Complete Rewards Visa Signature Card
First National Bank of Omaha (FNBO / First Bankcard)
$015,000 pts5x Travel
$49970,000 pts3x eligible Emirates purchases
Flex Rewards Mastercard
Virginia Credit Union
$020,000 pts2x Dining
Iberia Visa Signature® Card
JPMorgan Chase Bank
$9575,000 pts3x Iberia, British Airways, and Aer Lingus flight purchases
More Rewards American Express Card
Navy Federal Credit Union
$020,000 pts3x Dining
MyRewards Visa
Wescom Central Credit Union
$010,000 pts1.5% Other
$05,000 pts5x all eligible RCI purchases
1,001 more, ranked for your exact spending
See my full ranking

United States, by the numbers.

i.
1,011
cards tracked
ii.
257
issuers covered
iii.
319
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1¢" is usually wrong — and the number that matters.
6 MIN
1¢1.6¢2.1¢SAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND $3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −$156EARN +$1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+$50+$50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in the United States
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

Yearly value across 1,011 cards: rewards at your spending, minus the annual fee and any FX fees on spending abroad. The welcome bonus is never added in.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · UNITED STATESSCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
REWARDS№ 1

Rewards

371 cards in the United States.

371 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Chase Sapphire Preferred® Card · Chase Sapphire Reserve® · Complete Rewards Visa Signature Card

Browse all 371
CASH BACK№ 2

Cash Back

205 cards in the United States.

205 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

MyRewards Visa · AARP® Essential Rewards Mastercard® from Barclays · Alliant Cashback Visa® Signature Credit Card

Browse all 205
NO ANNUAL FEE№ 3

No Annual Fee

205 cards in the United States.

205 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Community Resource Credit Union MemberSelect Rewards MasterCard® · Complete Rewards Visa Signature Card · Flex Rewards Mastercard

Browse all 205
NO FX FEE№ 4

No FX Fee

189 cards in the United States.

189 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

Chase Sapphire Preferred® Card · Chase Sapphire Reserve® · Community Resource Credit Union MemberSelect Rewards MasterCard®

Browse all 189
LOW INTEREST№ 5

Low Interest

182 cards in the United States.

182 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Dakotaland Federal Credit Union Cash Back VISA · Iq Credit Union Visa Platinum Rewards · Points Rewards World Mastercard Credit Card

Browse all 182
PREMIUM№ 6

Premium

170 cards in the United States.

170 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

Chase Sapphire Reserve® · Emirates Skywards Premium World Elite Mastercard® · Bilt Palladium Card

Browse all 170
SECURED№ 7

Secured

142 cards in the United States.

142 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

Aven Rewards Visa Card · Aven Home Equity Visa Card · Business Advantage Unlimited Cash Rewards Secured Business Credit Card

Browse all 142

Questions, answered plainly.

How do you rank the cards?

By what each card would earn you in a year at your spending, minus its annual fee and the foreign transaction fee on what you spend abroad. The welcome bonus is shown on its own line and never added in, because it is paid once. If you carry a balance (in countries where cards publish a purchase rate), we rank by the lowest purchase rate (APR) instead. Every figure we use is marked Checked or Estimate.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.