Card Scores

Every card we score, credits first.

43 cards scored 0–10 by the same engine that powers the app. The 22 cards below carry recurring statement credits or benefits — the ones a tracker earns its keep on — 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 credits at annualized face value and modeled recoverable value under published assumptions, with each reset cadence, against the annual fee.

Chase

Chase Sapphire Preferred
$95 fee · 5 credits and benefits · 9.0 / 10
Chase Sapphire Reserve
$795 fee · 9 credits and benefits · 7.9 / 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 · 6.7 / 10
Ink Business Unlimited
No annual fee · 1 credit or benefit · 7.6 / 10
Marriott Bonvoy Boundless
$95 fee · 4 credits and benefits · 7.8 / 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 · 7.2 / 10

American Express

American Express Business Gold
$375 fee · 5 credits and benefits · 6.6 / 10
American Express Gold Card
$325 fee · 4 credits and benefits · 6.1 / 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 · 7.1 / 10
The Platinum Card from American Express
$895 fee · 13 credits and benefits · 6.5 / 10

Capital One

Capital One Venture X Rewards
$395 fee · 3 credits and benefits · 7.8 / 10

Citizens

Summit Reserve World Elite Mastercard
$295 fee · 6 credits and benefits · 5.8 / 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

Flat-rate and category cards with nothing to enroll in or forfeit — scored on earning and upkeep alone.

Ranked comparisons

Run your own numbers Track your own cards free