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★ THE HONEST NUMBER ON EVERY CARD IN THE UNITED STATES949 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSJPMORGAN CHASE BANK · CAPITAL ONE · SYNCHRONY · BANK OF AMERICA · AMERICAN EXPRESS · BARCLAYS · CITI

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 949 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 949 cards in our United States catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 949 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/us949 CARDS

CardFeeWelcomeTop rate
$050,000 pts5x hotels, vacation rentals and rentals cars booked through Capital One Business Travel
$020,000 pts5x hotels, vacation rentals and rental cars booked through Capital One Travel
$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
$9940,000 pts3x eligible Emirates purchases
Evergreen® Business Edition® Credit Card
First National Bank of Omaha (FNBO / First Bankcard)
$020,000 pts2% Other
Flex Rewards Mastercard
Virginia Credit Union
$020,000 pts2x Dining
939 more, ranked for your exact spending
See my full ranking

United States, by the numbers.

i.
949
cards tracked
ii.
242
issuers covered
iii.
528
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

First-year value across 949 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · UNITED STATESSCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
NO ANNUAL FEE№ 1

No Annual Fee

402 cards in the United States.

402 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Capital One VentureOne Business · Capital One VentureOne Rewards · Community Resource Credit Union MemberSelect Rewards MasterCard®

Browse all 402
REWARDS№ 2

Rewards

385 cards in the United States.

385 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

Capital One VentureOne Business · Capital One VentureOne Rewards · Chase Sapphire Preferred® Card

Browse all 385
NO FX FEE№ 3

No FX Fee

259 cards in the United States.

259 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Capital One VentureOne Business · Capital One VentureOne Rewards · Chase Sapphire Preferred® Card

Browse all 259
LOW INTEREST№ 4

Low Interest

190 cards in the United States.

190 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

Points Rewards World Mastercard Credit Card · Cash Rebate VISA Platinum Card · Champion Credit Union Visa Platinum Rewards

Browse all 190
CASH BACK№ 5

Cash Back

174 cards in the United States.

174 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Complete Rewards Visa Signature Card · Evergreen® Business Edition® Credit Card · AARP® Essential Rewards Mastercard® from Barclays

Browse all 174
PREMIUM№ 6

Premium

135 cards in the United States.

135 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

Chase Sapphire Reserve® · Emirates Skywards Premium World Elite Mastercard® · Emirates Skywards Rewards World Elite Mastercard®

Browse all 135
SECURED№ 7

Secured

133 cards in the United States.

133 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

Aven Rewards Visa Card · Aven Home Equity Visa Card · Bank of America® Travel Rewards Secured Credit Card

Browse all 133

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

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.