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Credit Cards

Your bank points, then this week's card offers and transfer bonuses — the fastest way to top up a program before a redemption.

$3,585Sample
310,500 points across 2 accountsin this sample
Valued at our own rates, and AwardWallet's where we have none · how we value points (rates from the rates PointsUser publishes)

A sample portfolio

Not your data
ProgramStatusExpiresBalance
Amex Membership Rewards214,500 ptsActiveNever expire$2,145
Chase Ultimate Rewards96,000 ptsActiveNever expire$1,440

This is a sample portfolio.

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Your cards and what they pay back

Every credit on the cards you hold, with what is left and how long you have. Filter by card below, tap I have this to add one, and see Restaurants for which venues each dining credit pays at.

Additional cards

Amex Platinum

$2,474 a year in credits
  • Digital entertainment credit$25 a monthEnrollment required. Only the participating partners count, and the list changes — check the benefit page before assuming a subscription qualifies. Expires monthly. Issuer's terms →
  • Uber Cash$15 a monthAdd the Platinum to your Uber account and pick it at checkout with Uber Cash toggled on. US rides and orders only. It expires at the end of each month and does not roll over. Issuer's terms →
  • Walmart+ membership$12.95 a monthCovers one auto-renewing monthly Walmart+ membership, up to $12.95. The annual plan is not covered — it has to be the monthly one. Issuer's terms →
  • Fine Hotels + Resorts / The Hotel Collection credit$300 a half-yearPrepaid bookings through Amex Travel only, and The Hotel Collection needs a two-night minimum. $300 in each half of the calendar year; the first half does not roll into the second. Issuer's terms →
  • CLEAR Plus membership$219 a yearPay for a CLEAR Plus membership with the card, on auto-renewal. Taxes and fees are not covered. It resets on the calendar year, not your card anniversary. Issuer's terms →
  • Airline fee credit$200 a yearPick one airline in your Amex account first — it pays nothing until you do, and you can only change the choice in January. Covers incidental fees like checked bags and inflight food, NOT the fare itself. Calendar year. Issuer's terms →
  • Uber One membership$120 a yearPay for an auto-renewing Uber One membership with the card. Separate from the monthly Uber Cash, and claimed on the calendar year. Issuer's terms →
  • Resy dining credit$100 a quarter$400 a year at US Resy restaurants; each quarter's $100 expires.
  • lululemon credit$75 a quarterEnrollment required. US retail stores and lululemon.com — outlets are excluded. $75 a quarter, and an unused quarter is gone. Issuer's terms →

Amex Business Platinum

$2,399 a year in credits
  • Wireless credit$10 a monthEnrolment required. Purchases made directly with a US wireless telephone service provider, so a phone bill paid through a third party does not count. Issuer's terms →
  • Fine Hotels + Resorts credit$300 a half-yearPrepaid bookings through Amex Travel on the Fine Hotels + Resorts or The Hotel Collection rate. The Hotel Collection needs a minimum two-night stay. $300 in each half of the year, and the first half does not roll over. Issuer's terms →
  • ChatGPT Business credit$300 a yearEnrolment required, and the subscription auto-renews. US purchases of ChatGPT Business on the card. Issuer's terms →
  • Adobe credit$250 a yearNot a running balance: you get the whole $250 back only after spending $600 or more directly with Adobe in the calendar year, and nothing before that. Enrolment required. Issuer's terms →
  • CLEAR Plus membership$219 a yearAn auto-renewing CLEAR Plus membership, excluding taxes and fees. It is the membership or nothing: there is no partial use. Issuer's terms →
  • Airline fee credit$200 a yearPays nothing at all until you choose your one qualifying airline for the calendar year, and it covers incidental fees — bags, seats, lounge day passes — not the fare itself. Issuer's terms →
  • Dell Technologies credit$150 a yearUS purchases made directly with Dell. Enrolment required. Issuer's terms →
  • Indeed credit$90 a quarterEnrolment required. Purchases with Indeed on the card, up to $90 each quarter and $360 across the year. Issuer's terms →
  • Hilton credit$50 a quarterYou have to be a Hilton for Business member and enrol; if you have no Hilton for Business account, enrolling creates one. Purchases made directly with Hilton. Issuer's terms →

Chase Sapphire Reserve

$1,940 a year in credits
  • DoorDash promos$25 a monthRequires the complimentary DashPass to be activated. Arrives as promos inside DoorDash, not a statement credit: a $5 restaurant promo plus two $10 promos for grocery and retail. Unused promos die monthly, and the grocery ones are the ones people forget. Issuer's terms →
  • Lyft ride credit$10 a monthYour Sapphire Reserve has to be the default payment method in the Lyft app. Unused credit expires at the end of each month and does not roll over — it is $10 twelve times, not $120 once. One credit per card account per month. Issuer's terms →
  • Peloton membership credit$10 a monthStatement credit on an eligible Peloton membership, up to $120 a year. Issuer's terms →
  • The Edit hotel credit$500 a yearUp to $250 back per prepaid two-night booking through The Edit, and up to $500 a year — so two bookings, not one big one. Book through Chase Travel's The Edit collection. Issuer's terms →
  • Travel credit$300 a yearApplies automatically to the first $300 of travel each ACCOUNT ANNIVERSARY year — not the calendar year, which is the trap. Broad definition: airlines, hotels, car rentals, trains, tolls, parking. Issuer's terms →
  • Exclusive Tables dining credit$150 a half-year$300 a year at Sapphire Reserve Exclusive Tables restaurants: up to $150 January–June and $150 July–December, usable across several restaurants. Enroll the card on OpenTable, then pay the restaurant directly with it.
  • StubHub and viagogo credit$150 a half-year$150 January to June and $150 July to December. The halves do not combine. Issuer's terms →

Amex Business Gold

$845 a year in credits
  • Flexible Business credit$20 a monthEnrolment required. Up to $20 a month at Grubhub, office supply stores and — until 1 October 2026 — FedEx. It does not roll over, so it is $20 twelve times rather than $240 once. Issuer's terms →
  • Walmart+ membership$12.95 a monthPay for a monthly Walmart+ membership with the card and the fee comes back, plus applicable taxes. An annual Walmart+ plan does not qualify, and Plus Ups are excluded. Issuer's terms →
  • ChatGPT Business credit$300 a yearEnrolment required, and the subscription auto-renews. US purchases of ChatGPT Business subscriptions on the card. Issuer's terms →
  • Squarespace credit$150 a yearEnrolment required. US purchases with Squarespace; subscription purchases auto-renew. Issuer's terms →

Hilton Aspire

$819 a year in credits
  • CLEAR Plus membership$219 a yearPay for CLEAR Plus with this card. Calendar year. If you also hold a Platinum, the two do not stack — one membership, one credit. Issuer's terms →
  • Hilton resort credit$200 a half-yearPurchases made directly with a participating Hilton RESORT — an ordinary Hilton hotel does not count. $200 in each half of the year, and the first half does not roll over. Issuer's terms →
  • Flight credit$50 a quarterFlights bought directly with an airline or through Amex Travel. $50 a quarter, so it is four separate chances at $200, not one. Issuer's terms →

Citi Strata Elite

$700 a year in credits
  • Annual hotel benefit$300 a yearOne hotel stay of two nights or more, booked through cititravel.com. It is a single booking, not a balance you draw down across the year. Issuer's terms →
  • Splurge credit$200 a yearPays nothing until you pick your brands: up to two from 1stDibs, American Airlines, Best Buy, Future Personal Training and Live Nation. Exclusions apply on American Airlines and Live Nation. Issuer's terms →
  • Blacklane credit$100 a half-yearBookings with Blacklane, the chauffeur service. $100 between January and June and $100 between July and December, so the first half does not roll over. Issuer's terms →

Bilt Palladium

$600 a year in credits
  • Bilt Travel hotel credit$200 a half-yearTwo nights or longer through the Bilt travel portal, and you have to opt in during the booking flow. $200 between January and June and $200 between July and December, with the booking processed before the half closes. Nothing rolls over. Issuer's terms →
  • Bilt Cash$200 a yearCredited to your Bilt Rewards account on 1 January, not to your card statement, and spent inside Bilt. It expires on 31 December and only $100 carries into the next year. The account has to be open and in good standing on 1 January or you get nothing for that year — Bilt do not prorate. This is separate from the welcome bonus. Issuer's terms →

Amex Gold

$424 a year in credits
  • Brand dining credit$10 a month$10 a month at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder.
  • Uber Cash$10 a monthAdd the Gold Card to your Uber account first: the $10 arrives as Uber Cash, not as a statement credit, and it only appears once the card is on the account. Spendable on Uber rides and Uber Eats orders in the US when you pay with an Amex card. It does not roll over. Issuer's terms →
  • Dunkin' credit$7 a monthEnrolment required, and it pays only at US Dunkin' locations. Up to $7 a month, which does not carry into the next month. Issuer's terms →
  • Resy dining credit$50 a half-year$100 a year at US Resy restaurants, in two $50 halves; plus $10 a month at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder.

Capital One Venture X

$300 a year in credits
  • Capital One Travel credit$300 a yearOnly on bookings made through Capital One Travel — it does not apply to travel bought anywhere else, which is the trap. Primary cardholders only. Issuer's terms →

Marriott Bonvoy Brilliant

$300 a year in credits
  • Dining credit$25 a month$300 a year as $25 a month at restaurants worldwide — any restaurant, no enrollment list.

Chase Ink Business Cash

$240 a year in credits
  • Instacart credit$20 a monthActivate the Instacart+ membership first — three months are complimentary, then it renews at $99 a year. The $20 is loaded into your Instacart Business account rather than paid as a statement credit, and it stops if the membership lapses. The benefit ends 31 December 2027. Issuer's terms →

Delta SkyMiles Reserve (Amex)

$240 a year in credits
  • Resy dining credit$20 a month$240 a year at Resy restaurants, $20 a month. Not on mobile-wallet payments.

Delta SkyMiles Platinum (Amex)

$240 a year in credits
  • Resy dining credit$10 a month$120 a year at Resy restaurants, $10 a month.
  • Rideshare credit$10 a monthEnrolment required. US rideshare purchases with selected providers, up to $10 a month and $120 across the year. It does not roll over. Issuer's terms →

Chase Sapphire Preferred

$220 a year in credits
  • DoorDash promo$10 a monthNeeds the complimentary DashPass activated. A $10 promo each month for grocery and retail orders — not restaurants, and it does not roll over. Issuer's terms →
  • Chase Travel hotel credit$100 a yearHotel stays booked through Chase Travel, each ACCOUNT ANNIVERSARY year rather than the calendar year. Issuer's terms →

Chase Ink Business Preferred

$120 a year in credits
  • DoorDash credit$10 a monthNothing arrives until you activate the DashPass membership, and activation closes on 31 December 2027. The $10 is for grocery and retail DoorDash orders, not restaurant orders. Issuer's terms →

Citi Strata Premier

$100 a year in credits
  • Annual hotel benefit$100 a yearOnce a calendar year, and only on a single hotel stay of $500 or more before taxes and fees, booked through cititravel.com or by phone. Applied at the time of booking rather than afterwards. Issuer's terms →

Bilt Obsidian

$100 a year in credits
  • Bilt Travel hotel credit$50 a half-yearTwo nights or longer, booked through the Bilt travel portal or the Bilt app, and you have to toggle the credit on at checkout — it does not apply itself. $50 between January and June and $50 between July and December. Cancel a qualifying booking and that half's credit is gone. Issuer's terms →

US Bank Altitude Go

$15 a year in credits
  • Streaming credit$15 a yearEarned by a streak, not by spending: eleven consecutive calendar months of eligible streaming purchases on the card, after which $15 is credited automatically within two billing cycles. The account has to be in good standing, neither past due nor over limit. Issuer's terms →

We cannot see your card transactions, and we are not going to ask for your bank login to get them. Connected accounts tell us which points you earn, not which card is in your wallet — so you confirm the card, and you tell us what you have spent. We count down the rest.

Which card is worth it, for you

Tell us roughly what you spend and we do the arithmetic: points earned in a year at our published rates, plus the credits you'd actually use, minus the annual fee. Every card is scored the same way whether or not we earn anything from it.

What do you spend in a month?

Rough numbers are fine. Nothing leaves your browser until you save, and we never ask for a bank login to work this out.

Anything that codes as a restaurant, including delivery.
Airfare, hotels, car hire, trains, taxis.
Supermarkets. Warehouse clubs usually don't count.
Petrol, shopping, bills, anything uncategorised.
Showing a typical wallet until you fill this in.

World of Hyatt Card

Chase · $95 annual fee · earns World of Hyatt

The fee and offer as the issuer publishes them

+$2,533in year one, typical wallet

60,000 points a year at 2.19¢ = $1,314, minus the $95 annual fee = $1,219 a year. The 60,000-point welcome bonus adds $1,314 in year one.

Chase Sapphire Reserve

Chase · $795 annual fee · earns Chase Ultimate Rewards

The fee and offer as the issuer publishes them

+$2,151in year one, typical wallet

56,400 points a year at 1.50¢ = $846, $600 of credits you'd actually use, minus the $795 annual fee = $651 a year. The 100,000-point welcome bonus adds $1,500 in year one.

Chase Sapphire Preferred

Chase · $95 annual fee · earns Chase Ultimate Rewards

The fee and offer as the issuer publishes them

+$2,034in year one, typical wallet

63,600 points a year at 1.50¢ = $954, $50 of credits you'd actually use, minus the $95 annual fee = $909 a year. The 75,000-point welcome bonus adds $1,125 in year one.

Hilton Aspire

American Express · $550 annual fee · earns Hilton Honors

The fee and offer as the issuer publishes them

+$1,835in year one, typical wallet

145,200 points a year at 0.62¢ = $900, $400 of credits you'd actually use, minus the $550 annual fee = $750 a year. The 175,000-point welcome bonus adds $1,085 in year one.

Apply →Terms apply.

Delta SkyMiles Platinum

American Express · $350 annual fee · earns Delta SkyMiles

The fee and offer as the issuer publishes them

+$1,811in year one, typical wallet

48,000 points a year at 1.37¢ = $658, $270 of credits you'd actually use, minus the $350 annual fee = $578 a year. The 90,000-point welcome bonus adds $1,233 in year one.

Apply →Terms apply.

Delta SkyMiles Reserve

American Express · $650 annual fee · earns Delta SkyMiles

The fee and offer as the issuer publishes them

+$1,735in year one, typical wallet

42,000 points a year at 1.37¢ = $575, $440 of credits you'd actually use, minus the $650 annual fee = $365 a year. The 100,000-point welcome bonus adds $1,370 in year one.

Apply →Terms apply.

Capital One Venture X

Capital One · $395 annual fee · earns Capital One Miles

The fee and offer as the issuer publishes them

+$1,403in year one, typical wallet

64,800 points a year at 1.00¢ = $648, $400 of credits you'd actually use, minus the $395 annual fee = $653 a year. The 75,000-point welcome bonus adds $750 in year one.

Amex Gold

American Express · $325 annual fee · earns Amex Membership Rewards

The fee and offer as the issuer publishes them

+$1,311in year one, typical wallet

81,600 points a year at 1.00¢ = $816, $220 of credits you'd actually use, minus the $325 annual fee = $711 a year. The 60,000-point welcome bonus adds $600 in year one. A targeted offer of up to 100,000 exists but not everyone gets it, so it isn't in the figure above.

Apply →Terms apply.

Citi Strata Premier

Citi · $95 annual fee · earns Citi ThankYou

The fee and offer as the issuer publishes them

+$1,289in year one, typical wallet

68,400 points a year at 1.00¢ = $684, $100 of credits you'd actually use, minus the $95 annual fee = $689 a year. The 60,000-point welcome bonus adds $600 in year one.

Air France KLM Visa Signature

Bank of America · $89 annual fee · earns Air France/KLM Flying Blue

The fee and offer as the issuer publishes them

+$1,242in year one, typical wallet

59,400 points a year at 2.24¢ = $1,331, minus the $89 annual fee = $1,242 a year.

Citi Strata Elite

Citi · $595 annual fee · earns Citi ThankYou

The fee and offer as the issuer publishes them

+$1,185in year one, typical wallet

78,000 points a year at 1.00¢ = $780, $200 of credits you'd actually use, minus the $595 annual fee = $385 a year. The 80,000-point welcome bonus adds $800 in year one.

Bilt Palladium

Bilt · $495 annual fee · earns Bilt Rewards

The fee and offer as the issuer publishes them

+$1,075in year one, typical wallet

51,600 points a year at 1.25¢ = $645, $300 of credits you'd actually use, minus the $495 annual fee = $450 a year. The 50,000-point welcome bonus adds $625 in year one.

Amex Platinum

American Express · $895 annual fee · earns Amex Membership Rewards

The fee and offer as the issuer publishes them

+$921in year one, typical wallet

51,600 points a year at 1.00¢ = $516, $500 of credits you'd actually use, minus the $895 annual fee = $121 a year. The 80,000-point welcome bonus adds $800 in year one. A targeted offer of up to 175,000 exists but not everyone gets it, so it isn't in the figure above.

Apply →Terms apply.

Capital One Savor

Capital One · no annual fee · earns Capital One Miles

The fee and offer as the issuer publishes them

+$788in year one, typical wallet

58,800 points a year at 1.00¢ = $588 = $588 a year. The 20,000-point welcome bonus adds $200 in year one.

Wells Fargo Autograph

Wells Fargo · no annual fee · earns Wells Fargo Rewards

The fee and offer as the issuer publishes them

+$764in year one, typical wallet

56,400 points a year at 1.00¢ = $564 = $564 a year. The 20,000-point welcome bonus adds $200 in year one.

Marriott Bonvoy Brilliant

American Express · $650 annual fee · earns Marriott Bonvoy

The fee and offer as the issuer publishes them

+$693in year one, typical wallet

91,200 points a year at 0.56¢ = $511, $300 of credits you'd actually use, minus the $650 annual fee = $161 a year. The 95,000-point welcome bonus adds $532 in year one.

Apply →Terms apply.

Atmos Rewards Ascent Visa (Alaska)

Bank of America · $95 annual fee · earns Alaska Atmos Rewards

The fee and offer as the issuer publishes them

+$663in year one, typical wallet

32,400 points a year at 2.34¢ = $758, minus the $95 annual fee = $663 a year.

Delta SkyMiles Gold (Amex)

American Express · $150 annual fee · earns Delta SkyMiles

The fee and offer as the issuer publishes them

+$475in year one, typical wallet

45,600 points a year at 1.37¢ = $625, minus the $150 annual fee = $475 a year.

Apply →Terms apply.

Points are priced at our own published rates. Credits count only what a typical holder actually redeems, not everything on the marketing page. Welcome offers and fees change often; check the issuer's own terms before you apply. We list every card the same way whether or not we earn anything from it.

Advertiser disclosure: we may earn a commission if you apply for a card through the links on this page. It never affects which cards we show or what we say about them. How this works

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