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
31 published cards match Travel, 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 →
Barclays
AARP Travel Rewards Mastercard from Barclays
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Eligible airfare, hotel stays and car rentals earn the travel rate. Merchant coding, account eligibility and issuer terms apply.
FNBO
Amtrak Guest Rewards Preferred Mastercard
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Bank of America
Bank of America Premium Rewards Credit Card
2.00 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
Bank of America Premium Rewards Elite Credit Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $550
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
2.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 2 points per dollar on eligible travel outside the higher portal categories.
Imprint / First Electronic Bank
Booking.com Genius Rewards Visa Signature Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate; program currency, redemption restrictions, merchant coding, exclusions, and caps can affect realized value.
Capital One
Capital One Venture Rewards
5.00 listed rate · reward currency requires confirmation
Annual fee: $95
Issuer portal required.
Earns 5 miles per dollar on eligible hotels, vacation rentals, rental cars, and activities booked through Capital One Travel; portal eligibility and merchant terms apply.
Chase
Chase Freedom Flex
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Chase Freedom Unlimited
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Chase Sapphire Preferred
5.00 listed rate · reward currency requires confirmation
Annual fee: $95
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Chase Sapphire Reserve
8.00 listed rate · reward currency requires confirmation
Annual fee: $795
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Citi Double Cash Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Citi
Citi Strata Premier Card
10.00 listed rate · reward currency requires confirmation
Annual fee: $95
Issuer portal required.
Rates and eligibility are subject to issuer terms and merchant coding.
Coinbase
Coinbase One Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Earns 5% Bitcoin back on eligible flights, hotels and car rentals booked through the Coinbase travel portal.
Citi
Costco Anywhere Visa Business Card by Citi
3.00 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.
Citi
Costco Anywhere Visa Card by Citi
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
IHG One Rewards Premier Business Credit Card
5.00 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.
Chase
IHG One Rewards Premier Credit Card
5.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Earns 5 points per $1 on eligible travel purchases.
Chase
Ink Business Preferred Credit Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Spend cap: $150,000 per annual.
Rates and eligibility are subject to issuer terms and merchant coding.
Chase
Instacart Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
Marriott Bonvoy Bold Credit 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.
Navy Federal Credit Union
Navy Federal Flagship Premier Visa Signature
4.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Eligible travel purchases; no issuer portal required.
Chase
Prime Visa
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Issuer portal required.
Requires an eligible Prime membership and booking through Chase Travel.
Provident Credit Union
Provident World+ Travel Visa Signature
2.00 listed rate · reward currency requires confirmation
Annual fee: $45
Purchase channel and brand restrictions: confirm with issuer.
Travel category and CURewards redemption terms apply. Merchant coding, account eligibility and issuer terms apply.
Chase
Sapphire Reserve for Business Credit Card
8.00 listed rate · reward currency requires confirmation
Annual fee: $795
Issuer portal required.
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Chase
United Club 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 Quest Card
2.00 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.
FNBO
Universal Rewards Plus Visa Signature Card
2.00 listed rate · reward currency requires confirmation
Annual fee: $99
Purchase channel and brand restrictions: confirm with issuer.
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Wells Fargo
Wells Fargo Autograph Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Rates and eligibility are subject to issuer terms and merchant coding.
Wells Fargo
Wells Fargo Autograph Journey Card
3.00 listed rate · reward currency requires confirmation
Annual fee: $95
Purchase channel and brand restrictions: confirm with issuer.
Earns 3 points per $1 on eligible travel other than hotels and airlines.
Wells Fargo
Wells Fargo One Key Card
3.00 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.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.