Card Scores

Every card we score, credits first.

A Card Score rates a card from 0 to 10 on how good a deal it is. 43 cards are scored from the same card catalog and earn-rate data the app uses; pages refresh daily. The 23 cards below come with credits or benefits that repeat every year — the ones worth tracking — grouped by issuer with the fee and the score. Free, no account.

When every credit resets How we score cards

Cards with statement credits

Each page lists the credits at face value (their full yearly amount) and at what a typical cardholder gets back, when each one resets, and the annual fee.

Chase

Chase Sapphire Preferred
$95 fee · 5 credits and benefits · 8.9 / 10
Chase Sapphire Reserve
$795 fee · 9 credits and benefits · 7.6 / 10
Freedom Flex
No annual fee · 1 credit or benefit · 7.8 / 10
Freedom Unlimited
No annual fee · 1 credit or benefit · 8.2 / 10
Ink Business Cash
No annual fee · 1 credit or benefit · 7.4 / 10
Ink Business Preferred
$95 fee · 1 credit or benefit · 6.5 / 10
Ink Business Unlimited
No annual fee · 1 credit or benefit · 7.6 / 10
Marriott Bonvoy Boundless
$95 fee · 4 credits and benefits · 7.6 / 10
Southwest Rapid Rewards Performance Business
$299 fee · 4 credits and benefits · 5.9 / 10
Southwest Rapid Rewards Priority
$229 fee · 3 credits and benefits · 5.9 / 10
United Explorer
$150 fee · 7 credits and benefits · 7.1 / 10

American Express

American Express Business Gold
$375 fee · 4 credits and benefits · 6.5 / 10
American Express Gold Card
$325 fee · 4 credits and benefits · 5.8 / 10
Blue Cash Everyday
No annual fee · 2 credits and benefits · 7.2 / 10
Delta SkyMiles Gold American Express Card
$150 fee · 3 credits and benefits · 7.6 / 10
Hilton Honors American Express Aspire Card
$550 fee · 3 credits and benefits · 7.3 / 10
The Platinum Card from American Express
$895 fee · 13 credits and benefits · 6.3 / 10

Citizens

Summit Reserve World Elite Mastercard
$295 fee · 6 credits and benefits · 5.8 / 10
Summit World Mastercard
No annual fee · 2 credits and benefits · 7.9 / 10

Capital One

Capital One Venture X Rewards
$395 fee · 3 credits and benefits · 7.5 / 10

Fifth Third

1.67% Cash/Back Card
No annual fee · 3 credits and benefits · 7.0 / 10

SoFi

SoFi Everyday Cash Rewards
No annual fee · 1 credit or benefit · 7.8 / 10

U.S. Bank

Business Triple Cash Rewards
No annual fee · 1 credit or benefit · 8.5 / 10

Cards with no recurring credits

Cards that simply earn rewards, with no credits to enroll in or lose — scored on earning and effort alone.

Ranked comparisons

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