Card Catalog, Official-Source Snapshots
34 current U.S. cards with issuer-sourced rates, caps, fees, availability, and direct links to official product pages, terms, or benefit guides.
Verified August 17, 2026 against official issuer, rewards, and benefit pages.
Issuer terms control. Offers, APRs, benefits, eligibility, and availability can change or be targeted; confirm the live application before applying. Rewards never justify carrying interest-bearing debt.
Editor's Short List
Strong options for different profiles; no single stack is best for everyone.
PayPal Cashback Mastercard
PayPal · Mastercard
Issued by Synchrony Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
An active PayPal account in good standing is required to apply, manage the card, and redeem rewards.
One of the simplest ways to earn 3% at PayPal checkout, with no annual fee and no category cap.
Capital One Savor Rewards
Capital One · Varies
Issued by Capital One, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A broad set of uncapped 3% categories with no annual or foreign transaction fee.
Discover it Secured Cash Back
Discover · Discover
Issued by Capital One, N.A. (Discover division)
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
$0 annual fee; a refundable security deposit is required after approval.
A refundable deposit as low as $49, $99, or $200 based on creditworthiness unlocks a credit line starting at $200.
An unusually rewarding secured card with a potentially low deposit, but approval and the deposit amount are not guaranteed.
Chase Sapphire Preferred
Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
One of the more balanced $95 travel cards after its 2026 rewards and benefit refresh.
Coinbase vs Gemini — Reward Mechanics
Both pay volatile crypto rewards; the cards use very different eligibility and cap rules.
Coinbase One Card — Rewards by Tier
Rate depends on eligible assets held on Coinbase:
2%
in Bitcoin
Below $10k on Coinbase
2.5%
in Bitcoin
$10k – $49,999.99 on Coinbase
3%
in Bitcoin
$50k – $199,999.99 on Coinbase
4%
in Bitcoin
$200k+ on Coinbase
The 2.5%–4% tiers apply to the first $10,000 of eligible purchases per calendar month, then 2%. The first 60 days use real-time assets; afterward Coinbase uses a trailing 30-day average. Eligible portal travel earns 5% instead of the tier rate and does not use that cap. An active paid Coinbase One membership is required; Basic must be annual and is currently $49.99/year.
Coinbase One Card
Tiered rewards plus a required membership
✓ 2%–4% in Bitcoin on eligible purchases, based on the current asset tier
✓ 5% Bitcoin on eligible portal travel
✓ $0 card annual fee and no foreign transaction fee
✗ 2% below $10,000 in eligible Coinbase assets
✗ Elevated tiers are capped at $10,000 of monthly eligible spend
✗ Requires an active paid Coinbase One plan
✗ Amex acceptance can differ from Visa and Mastercard
Gemini Credit Card
Category rewards with no membership fee
✓ 4% on gas, EV, transit (up to $300/mo)
✓ 3% on dining, 2% on groceries
✓ Choose from 50+ supported crypto assets; availability varies by jurisdiction
✓ $0 annual fee — no subscription
✓ Rewards generally post as transactions settle
✓ Mastercard World Elite network
✗ Only 1% on non-category purchases
✗ Gas, EV charging, and transit share the $300 monthly 4% cap
✗ Rewards and supported assets vary by jurisdiction
Bitcoin and other crypto rewards can rise or fall in value. USDC and other digital assets are not bank deposits and are not FDIC- or SIPC-insured. Do not hold a large platform balance solely to chase a card tier without considering custody, market, stablecoin, and opportunity-cost risk.
Notable Cards — Situational Picks
Potential fits for specific spending patterns, memberships, and travel needs.
Robinhood Gold Card
Robinhood · Visa
Issued by Coastal Community Bank
Card Annual Fee
$0
Availability
Waitlist
Foreign Fee
3% new accounts*
$0 card annual fee; the required Robinhood Gold membership is separate.
An active $50/year annual Robinhood Gold membership is required to apply, maintain the card, and earn points.
A high flat earn rate with meaningful membership, redemption, availability, and foreign-fee caveats.
Coinbase One Card
Coinbase · Amex
Issued by First Electronic Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
$0 card annual fee; an eligible paid Coinbase One plan is separate.
Active paid Coinbase One membership required. The lowest eligible plan is Basic annual, currently $49.99/year.
Distinctive tiered Bitcoin rewards, but holding extra platform assets solely to unlock a tier can introduce more risk than the incremental rewards justify.
Gemini Credit Card
Gemini · Mastercard
Issued by WebBank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
Useful for its capped 4% transportation category and 3% dining, provided the cardholder accepts crypto volatility.
Amex Blue Cash Preferred
American Express · Amex
Issued by American Express National Bank
Card Annual Fee
$95
Availability
Open
Foreign Fee
2.7%
$0 introductory annual fee for the first year, then $95.
Strong grocery and streaming returns, with a fee and a relatively low supermarket cap to model carefully.
AAA Daily Advantage Visa Signature
AAA · Visa
Issued by Comenity Capital Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
AAA membership is not required to apply or earn the published card rewards.
A high-return no-fee grocery card, with a combined annual cap that should be monitored.
Prime Visa
Amazon / Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
An eligible Amazon Prime membership is required for the 5% rate; the separate Amazon Visa earns 3% at the listed Amazon brands without Prime.
The correct Amazon card for Prime members seeking 5% back; it is not the separate Synchrony Amazon Store Card.
Capital One Venture X
Capital One · Visa
Issued by Capital One, N.A.
Card Annual Fee
$395
Availability
Open
Foreign Fee
$0
$395 annual fee. Credits and miles are not fee reductions unless you use and value them.
Still a strong premium-travel package, but the July 2026 lounge-policy changes materially reduced family and authorized-user value.
Bilt Obsidian Card
Bilt · Mastercard
Issued by Column N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
$95 primary-card annual fee; $50 per authorized user each year.
A Bilt account and a linked eligible bank account are required for Bilt housing payments.
A reasonable middle Bilt tier when the selected 3x category and hotel credit justify the $95 fee.
All Cards
Every card reviewed — filter and sort
Showing 34 of 34 cards
AAA Daily Advantage Visa Signature
AAA · Visa
Issued by Comenity Capital Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
AAA membership is not required to apply or earn the published card rewards.
A high-return no-fee grocery card, with a combined annual cap that should be monitored.
American Express Gold Card
American Express · Amex
Issued by American Express National Bank
Card Annual Fee
$325
Availability
Open
Foreign Fee
$0
Excellent food-category earning, but the $325 fee and fragmented credits make individual math essential.
American Express Platinum
American Express · Amex
Issued by American Express National Bank
Card Annual Fee
$895
Availability
Open
Foreign Fee
$0
$895 primary-card annual fee; $195 per Additional Platinum Card. A no-fee Companion Platinum option is also available.
The richest Amex lounge-and-credit bundle, paired with a very high fee and only 1x on most purchases.
Amex Blue Cash Preferred
American Express · Amex
Issued by American Express National Bank
Card Annual Fee
$95
Availability
Open
Foreign Fee
2.7%
$0 introductory annual fee for the first year, then $95.
Strong grocery and streaming returns, with a fee and a relatively low supermarket cap to model carefully.
Bank of America Customized Cash Rewards
Bank of America · Visa
Issued by Bank of America, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
Flexible and substantially improved in year one, but the shared quarterly cap and relationship-tier math require attention.
Bilt Blue Card
Bilt · Mastercard
Issued by Column N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A free Bilt account and a linked eligible bank account are required for Bilt housing payments.
The current no-fee Bilt card; it replaces the legacy Wells Fargo Bilt Mastercard and uses a new housing-rewards model.
Bilt Obsidian Card
Bilt · Mastercard
Issued by Column N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
$95 primary-card annual fee; $50 per authorized user each year.
A Bilt account and a linked eligible bank account are required for Bilt housing payments.
A reasonable middle Bilt tier when the selected 3x category and hotel credit justify the $95 fee.
Bilt Palladium Card
Bilt · Mastercard
Issued by Column N.A.
Card Annual Fee
$495
Availability
Open
Foreign Fee
$0
$495 primary-card annual fee; $95 per authorized user each year.
A Bilt account and a linked eligible bank account are required for Bilt housing payments.
The premium Bilt option has a strong earn rate, but its $495 fee is justified only if the restricted hotel and Bilt Cash benefits are useful.
Capital One Savor Rewards
Capital One · Varies
Issued by Capital One, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A broad set of uncapped 3% categories with no annual or foreign transaction fee.
Capital One Venture Rewards
Capital One · Varies
Issued by Capital One, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
A reliable 2x travel-miles card, though Venture X can be more compelling for someone who uses its portal credit and lounges.
Capital One Venture X
Capital One · Visa
Issued by Capital One, N.A.
Card Annual Fee
$395
Availability
Open
Foreign Fee
$0
$395 annual fee. Credits and miles are not fee reductions unless you use and value them.
Still a strong premium-travel package, but the July 2026 lounge-policy changes materially reduced family and authorized-user value.
Chase Freedom Flex
Chase · Mastercard
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
High category upside at no annual fee, offset by quarterly activation and a $1,500 quarterly cap.
Chase Freedom Unlimited
Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
A versatile Chase cash-back card, though 1.5% is below the best flat-rate alternatives.
Chase Ink Business Preferred
Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
A strong transferable-points business card with a large bonus and category cap suited to small-business spending.
Chase Sapphire Preferred
Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
One of the more balanced $95 travel cards after its 2026 rewards and benefit refresh.
Chase Sapphire Reserve
Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$795
Availability
Open
Foreign Fee
$0
$795 for the primary card; $195 for each additional cardmember.
Broad premium travel coverage at a very high annual fee; value depends on natural use of the credits, not their face-value sum.
Citi Double Cash
Citi · Mastercard
Issued by Citibank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
A strong simple 2% option with a useful portal category, but weak for international purchases and travel protections.
Citi Strata Premier
Citi · Mastercard
Issued by Citibank, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
A broad $95 travel card whose official name, portal earn rate, and protection package are materially better than the retired Citi Premier entry suggested.
Coinbase One Card
Coinbase · Amex
Issued by First Electronic Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
$0 card annual fee; an eligible paid Coinbase One plan is separate.
Active paid Coinbase One membership required. The lowest eligible plan is Basic annual, currently $49.99/year.
Distinctive tiered Bitcoin rewards, but holding extra platform assets solely to unlock a tier can introduce more risk than the incremental rewards justify.
Costco Anywhere Visa by Citi
Citi / Costco · Visa
Issued by Citibank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
An active paid Costco membership is required to open and keep the card.
A much stronger gas and travel card than the old data showed, with delayed annual-certificate redemption.
Delta SkyMiles Gold Amex
American Express / Delta · Amex
Issued by American Express National Bank
Card Annual Fee
$150
Availability
Open
Foreign Fee
$0
$0 introductory annual fee for the first year, then $150.
A Delta-loyalist card whose bag and boarding benefits can matter more than its modest everyday earn rates.
Discover it Cash Back
Discover · Discover
Issued by Capital One, N.A. (Discover division)
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A compelling first-year rotating card, but ongoing value depends on category fit and activation.
Discover it Secured Cash Back
Discover · Discover
Issued by Capital One, N.A. (Discover division)
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
$0 annual fee; a refundable security deposit is required after approval.
A refundable deposit as low as $49, $99, or $200 based on creditworthiness unlocks a credit line starting at $200.
An unusually rewarding secured card with a potentially low deposit, but approval and the deposit amount are not guaranteed.
Fidelity Rewards Visa Signature
Fidelity · Visa
Issued by Elan Financial Services
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A durable no-fee 2% card for Fidelity users, now with no foreign transaction fee and useful travel benefits.
Gemini Credit Card
Gemini · Mastercard
Issued by WebBank
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
Useful for its capped 4% transportation category and 3% dining, provided the cardholder accepts crypto volatility.
Hilton Honors Amex Surpass
American Express / Hilton · Amex
Issued by American Express National Bank
Card Annual Fee
$150
Availability
Open
Foreign Fee
$0
$0 introductory annual fee for the first year, then $150.
A focused Hilton card with useful ongoing hotel value; the former Priority Pass benefit is gone.
PayPal Cashback Mastercard
PayPal · Mastercard
Issued by Synchrony Bank
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
An active PayPal account in good standing is required to apply, manage the card, and redeem rewards.
One of the simplest ways to earn 3% at PayPal checkout, with no annual fee and no category cap.
Prime Visa
Amazon / Chase · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
An eligible Amazon Prime membership is required for the 5% rate; the separate Amazon Visa earns 3% at the listed Amazon brands without Prime.
The correct Amazon card for Prime members seeking 5% back; it is not the separate Synchrony Amazon Store Card.
Robinhood Gold Card
Robinhood · Visa
Issued by Coastal Community Bank
Card Annual Fee
$0
Availability
Waitlist
Foreign Fee
3% new accounts*
$0 card annual fee; the required Robinhood Gold membership is separate.
An active $50/year annual Robinhood Gold membership is required to apply, maintain the card, and earn points.
A high flat earn rate with meaningful membership, redemption, availability, and foreign-fee caveats.
Robinhood Platinum Card
Robinhood · Visa
Issued by Coastal Community Bank
Card Annual Fee
$695
Availability
Waitlist
Foreign Fee
$0
$695 card annual fee. Restricted credits should be valued only at the amount you would otherwise spend.
Potentially valuable for the right spending pattern, but it is not yet generally available and the credits are not cash equivalents.
SoFi Unlimited 2% Credit Card
SoFi · Mastercard
Issued by SoFi Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A clean 2% ecosystem card with strong phone protection and no foreign transaction fee.
U.S. Bank Altitude Connect
U.S. Bank · Visa
Issued by U.S. Bank National Association
Card Annual Fee
$0
Availability
Open
Foreign Fee
$0
A rare no-annual-fee lounge-access card, but its bonus, redemption values, and current protection guide differ sharply from the old catalog.
Wells Fargo Active Cash
Wells Fargo · Visa
Issued by Wells Fargo Bank, N.A.
Card Annual Fee
$0
Availability
Open
Foreign Fee
3%
A straightforward no-annual-fee 2% card; the 3% foreign transaction fee makes it a poor choice abroad.
World of Hyatt Credit Card
Chase / Hyatt · Visa
Issued by JPMorgan Chase Bank, N.A.
Card Annual Fee
$95
Availability
Open
Foreign Fee
$0
A strong Hyatt-loyalist card, with redemption value driven by the specific property and date rather than a fixed cents-per-point claim.