Spend optimizer
Rank every card for a spend category — earn math shown per card, net of annual fee.
Points valued at 1¢ each. Net value = estimated annual rewards − annual fee.
Hilton Honors American Express Card
+$300/yr net5× on dining · 30,000 pts/yr ≈ $300 rewards − $0 fee
American Express
Hilton Honors American Express Surpass Card
+$210/yr net6× on dining · 36,000 pts/yr ≈ $360 rewards − $150 fee
American Express
IHG One Rewards Premier Business Credit Card
+$201/yr net5× on dining · 30,000 pts/yr ≈ $300 rewards − $99 fee
Chase
IHG One Rewards Premier Credit Card
+$201/yr net5× on dining · 30,000 pts/yr ≈ $300 rewards − $99 fee
Chase
Wells Fargo Autograph Card
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Wells Fargo
Marriott Bonvoy Bold Credit Card
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Chase
IHG One Rewards Traveler Credit Card
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Chase
U.S. Bank Business Triple Cash Rewards
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
U.S. Bank
AAA Travel Advantage Visa Signature
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Comenity
PenFed Platinum Rewards Visa Signature
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
PenFed Credit Union
Navy Federal More Rewards American Express
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Navy Federal Credit Union
Costco Anywhere Visa Card by Citi
+$180/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $0 fee
Citi
Wyndham Rewards Earner Plus Card
+$145/yr net4× on dining · 24,000 pts/yr ≈ $240 rewards − $95 fee
Barclays
Wells Fargo Active Cash Card
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
Wells Fargo
Fidelity Rewards Visa Signature
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
Elan Financial Services
Bread Cashback American Express Card
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
Bread Financial
American Express Blue Business Plus
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
American Express
Wells Fargo Signify Business Cash
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
Wells Fargo
2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
Bank of America
FNBO Evergreen
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
First National Bank of Omaha
American Express Blue Business Cash
+$120/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $0 fee
American Express
Marriott Bonvoy Business American Express Card
+$115/yr net4× on dining · 24,000 pts/yr ≈ $240 rewards − $125 fee
American Express
Hilton Honors American Express Business Card
+$105/yr net5× on dining · 30,000 pts/yr ≈ $300 rewards − $195 fee
American Express
Air France KLM Visa Signature Card
+$91/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $89 fee
Bank of America
Bank of America Travel Rewards
+$90/yr net1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
Bank of America
PenFed Power Cash Rewards Visa Signature
+$90/yr net1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
PenFed Credit Union
Capital One Spark Cash Select for Business
+$90/yr net1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
Capital One
Capital One VentureOne Business
+$90/yr net1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
Capital One
1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
Bank of America
Bank of America Unlimited Cash Rewards
+$90/yr net1.5× on dining · 9,000 pts/yr ≈ $90 rewards − $0 fee
Bank of America
Marriott Bonvoy Boundless Credit Card
+$85/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $95 fee
Chase
Wells Fargo Autograph Journey Card
+$85/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $95 fee
Wells Fargo
FRONTIER Airlines World Mastercard
+$81/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $99 fee
Barclays
Capital One VentureOne Rewards
+$75/yr net1.25× on dining · 7,500 pts/yr ≈ $75 rewards − $0 fee
Capital One
2× on dining · 12,000 pts/yr ≈ $120 rewards − $49 fee
Navy Federal Credit Union
Allegiant Allways Rewards Visa Card
+$61/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $59 fee
Bank of America
U.S. Bank Cash+ Visa Signature
+$60/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
U.S. Bank
Choice Privileges Mastercard
+$60/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
Wells Fargo
Royal ONE Visa Signature
+$60/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
Bank of America
AAA Daily Advantage Visa Signature
+$60/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
Comenity
1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
Barclays
1× on dining · 6,000 pts/yr ≈ $60 rewards − $0 fee
American Express
2× on dining · 12,000 pts/yr ≈ $120 rewards − $79 fee
Bank of America
American Express Classic Green Card
+$30/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $150 fee
American Express
Capital One Venture Business Credit Card
+$25/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $95 fee
Capital One
Capital One Venture Rewards Credit Card
+$25/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $95 fee
Capital One
Bank of America Premium Rewards Credit Card
+$25/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $95 fee
Bank of America
Capital One Spark Cash for Business
+$25/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $95 fee
Capital One
U.S. Bank Business Altitude Connect
+$25/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $95 fee
U.S. Bank
2× on dining · 12,000 pts/yr ≈ $120 rewards − $99 fee
Citi
Hawaiian Airlines World Elite Mastercard
+$21/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $99 fee
Barclays
Amtrak Guest Rewards Preferred Mastercard
+$21/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $99 fee
FNBO
Icelandair Premium Mastercard
+$21/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $39 fee
First National Bank of Omaha
Marriott Bonvoy Bevy American Express
-$10/yr net4× on dining · 24,000 pts/yr ≈ $240 rewards − $250 fee
American Express
Southwest Rapid Rewards Premier Business
-$29/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $149 fee
Chase
Miles & More World Elite Mastercard
-$29/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $89 fee
Barclays
Sun Country Visa Signature Card
-$29/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $89 fee
Synchrony Bank
Capital One Spark Cash Plus
-$30/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $150 fee
Capital One
2× on dining · 12,000 pts/yr ≈ $120 rewards − $150 fee
American Express
Delta SkyMiles Gold American Express Card
-$30/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $150 fee
American Express
1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
American Express
Atmos Rewards Ascent Visa Signature Card
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
Bank of America
British Airways Visa Signature Card
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
Chase
Ink Business Preferred Credit Card
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
Chase
1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
American Express
Choice Privileges Select Mastercard
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
Wells Fargo
U.S. Bank Business Leverage Visa Signature
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
U.S. Bank
Atmos Rewards Business Card
-$35/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $95 fee
Bank of America
1× on dining · 6,000 pts/yr ≈ $60 rewards − $99 fee
Barclays
1× on dining · 6,000 pts/yr ≈ $60 rewards − $99 fee
Citi
Chase Air Canada Aeroplan Credit Card
-$75/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $195 fee
Chase
Chase Ink Business Premier Credit Card
-$75/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $195 fee
Chase
American Express Gold Card
-$85/yr net4× on dining · 24,000 pts/yr ≈ $240 rewards − $325 fee
American Express
Wyndham Rewards Earner Business Card
-$89/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $149 fee
Barclays
Southwest Rapid Rewards Priority
-$109/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $229 fee
Chase
Hilton Honors American Express Aspire Card
-$130/yr net7× on dining · 42,000 pts/yr ≈ $420 rewards − $550 fee
American Express
American Express Business Gold Card
-$135/yr net4× on dining · 24,000 pts/yr ≈ $240 rewards − $375 fee
American Express
Southwest Rapid Rewards Performance Business
-$179/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $299 fee
Chase
Atmos Rewards Summit Visa Infinite Card
-$215/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $395 fee
Bank of America
Delta SkyMiles Platinum American Express Card
-$230/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $350 fee
American Express
Citi / AAdvantage Globe Mastercard
-$230/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $350 fee
Citi
Diners Club Carte Blanche Card
-$240/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $300 fee
BMO Bank N.A.
Capital One Venture X Business
-$275/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $395 fee
Capital One
Capital One Venture X Rewards Credit Card
-$275/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $395 fee
Capital One
1× on dining · 6,000 pts/yr ≈ $60 rewards − $350 fee
American Express
SKYPASS Select Visa Signature Card
-$330/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $450 fee
U.S. Bank
U.S. Bank Altitude Reserve Visa Infinite Card
-$340/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $400 fee
U.S. Bank
HSBC Elite World Elite Mastercard
-$375/yr net2× on dining · 12,000 pts/yr ≈ $120 rewards − $495 fee
HSBC
2× on dining · 12,000 pts/yr ≈ $120 rewards − $550 fee
Bank of America
Emirates Skywards Premium World Elite Mastercard
-$439/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $499 fee
Barclays
Marriott Bonvoy Brilliant American Express Card
-$470/yr net3× on dining · 18,000 pts/yr ≈ $180 rewards − $650 fee
American Express
Delta SkyMiles Reserve American Express Card
-$590/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $650 fee
American Express
1× on dining · 6,000 pts/yr ≈ $60 rewards − $650 fee
American Express
UBS Visa Infinite Business Credit Card
-$590/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $650 fee
UBS
1× on dining · 6,000 pts/yr ≈ $60 rewards − $695 fee
Citi
Chase Sapphire Reserve for Business
-$735/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $795 fee
Chase
1× on dining · 6,000 pts/yr ≈ $60 rewards − $895 fee
American Express
The Business Platinum Card from American Express
-$835/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $895 fee
American Express
1× on dining · 6,000 pts/yr ≈ $60 rewards − $895 fee
American Express
The Platinum Card from American Express
-$835/yr net1× on dining · 6,000 pts/yr ≈ $60 rewards − $895 fee
American Express
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Advertiser disclosure: maximusPoints may earn a commission when you apply for a card through links on this page. Rankings are computed from public earn rates and fees — never from who pays us. Not financial advice; check the issuer's site for current terms.