Best Personal Credit Cards
Personal credit cards ranked by Net Annual Value, what a card is worth to hold.
Each card's value is determined by what it earns you minus what it costs.
Spending
An assumed average split of your total, from typical U.S. household spending. Switch to Itemized to enter your own.
$2,500/mo · $30,000/yr
Click any card to see its full breakdown.
| # | Card | NAV | Cashback | Credits | Interest | Fee | ||
|---|---|---|---|---|---|---|---|---|
| 2 | Charles Schwab PointsMembership req’d | $2,251 | $317 | $2,829 | $0 | $895 | ||
| 3 |  | Chase Points | $2,193 | $360 | $2,628 | $0 | $795 | |
| 4 |  | American Express MilesHotel | $1,448 | $489 | $1,509 | $0 | $550 | |
| 5 |  | Chase MilesAirline | $1,249 | $304 | $1,040 | $0 | $95 | |
| 6 |  | Chase Miles | $1,245 | $300 | $1,040 | $0 | $95 | |
| 7 |  | Chase MilesHotel | $1,149 | $454 | $790 | $0 | $95 | |
| 8 |  | American Express MilesHotel | $972 | $522 | $600 | $0 | $150 | |
| 9 |  | Chase MilesHotel | $965 | $479 | $585 | $0 | $99 | |
| 10 |  | American Express Points | $883 | $434 | $774 | $0 | $325 | |
| 11 |  | City National Bank Points | $864 | $339 | $925 | $0 | $400 | |
| 12 |  | American Express MilesAirline | $859 | $339 | $670 | $0 | $150 | |
| 13 |  | Chase MilesAirline | $854 | $319 | $885 | $0 | $350 | |
| 14 |  | Capital One Miles | $819 | $635 | $579 | $0 | $395 | |
| 15 |  | Chase Cash | $726 | $354 | $372 | $0 | $0 | |
| 16 |  | UBS Bank USA Points | $707 | $332 | $1,025 | $0 | $650 | |
| 17 |  | Fifth Third Bank Cash | $701 | $501 | $200 | $0 | $0 | |
| 18 |  | Citizens Bank Cash | $683 | $473 | $210 | $0 | $0 | |
| 19 |  | Chase Points | $669 | $358 | $460 | $0 | $149 | |
| 20 |  | American Express MilesAirline | $662 | $347 | $665 | $0 | $350 | |
| 21 |  | American Express MilesAirline | $635 | $300 | $985 | $0 | $650 | |
| 22 |  | Columbia Bank Points | $627 | $617 | $400 | $0 | $390 | |
| 23 | Webster Bank Points | $627 | $617 | $400 | $0 | $390 | ||
| 24 |  | Chase MilesHotel | $614 | $474 | $390 | $0 | $250 | |
| 25 |  | Wells Fargo Cash | $600 | $600 | — | $0 | $0 |