Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
37 published cards match Airfare, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Chase
Aer Lingus Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Aeroplan Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
American Airlines AAdvantage MileUp Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
American Express
American Express Gold Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $325
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Bank of America
Atmos Rewards Ascent Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
Bank of America
Atmos Rewards Summit Visa Infinite Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $395
Purchase channel and brand restrictions: confirm with issuer.
Published base rate; category definitions, relationship bonuses, caps, and merchant coding may change the return.
Bilt
Bilt Obsidian Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Issuer portal required.
Earns 3 points per dollar on flights booked through Bilt Travel.
BMO
BMO Escape Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $3,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
BMO
BMO Premium Rewards Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $2,000 per quarterly.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
British Airways Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Chase
Chase Sapphire Reserve
4.00 listed rate · reward currency requires confirmation
Annual fee: $795
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Citi AAdvantage Business World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Citi AAdvantage Platinum Select World Elite Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Citi
Citi Strata Premier Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Barclays
Emirates Skywards Premium World Elite Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $499
Purchase channel and brand restrictions: confirm with issuer.
Emirates purchases earn the highest rate; eligible airfare, hotel and rental-car purchases earn 2X. Merchant coding, account eligibility and issuer terms apply.
Barclays
Emirates Skywards Rewards World Elite Mastercard
3.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Emirates purchases earn the highest rate; eligible airfare, hotel and rental-car purchases earn 2X. Merchant coding, account eligibility and issuer terms apply.
Barclays
Frontier Airlines World Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible FRONTIER purchases earn the airline rate. Merchant coding, account eligibility and issuer terms apply.
American Express
Hilton Honors American Express Aspire Card
7.00 listed rate · reward currency requires confirmation
Annual fee: $550
Purchase channel and brand restrictions: confirm with issuer.
Flights booked directly with airlines or AmexTravel.com.
Chase
Iberia Visa Signature Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Barclays
JetBlue Plus Card
6.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible JetBlue purchases earn the airline rate. Merchant coding, account eligibility and issuer terms apply.
American Express
Marriott Bonvoy Brilliant American Express Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $650
Purchase channel and brand restrictions: confirm with issuer.
Flights booked directly with airlines.
Bank of America
Royal Caribbean Royal ONE Plus Visa Infinite
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Eligible airfare purchases.
Chase
Sapphire Reserve for Business Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $795
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Performance Business Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $299
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Plus Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Business Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Premier Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $149
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Southwest Rapid Rewards Priority Credit Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $229
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
American Express
The Platinum Card from American Express
5.00 listed rate · reward currency requires confirmation
Annual fee: $895
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $500,000 per annual.
Earns 5 points per dollar on eligible flights booked directly with airlines or through American Express Travel, on up to $500,000 in these purchases per calendar year.
Chase
United Business Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Club Business Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $695
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Club Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $695
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Explorer Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $150
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Gateway Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Quest Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $350
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Wells Fargo
Wells Fargo Autograph Journey Card
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 4 points per $1 on eligible airline purchases.
Chase
World of Hyatt Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 2 points per $1 on airline tickets purchased directly from airlines.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.