How we rank these offers

Cards are ranked by estimated first-year value: welcome bonus value + annual benefits − annual fee. Bonus point values use our tracked cents-per-point rates based on real award redemptions.

• Bonus values assume transferring to airline partners at peak CPP rates
• We only include cards with transferable points (no fixed-value cards)
• Annual fees are factored in; credits are counted at face value

For a deeper comparison including partner networks and Optimizer Scores, see the full card comparison →