Which credit card earns the most on my spending?
What you spend a month on each:
Restaurants, takeout and delivery.
Supermarkets, in store.
Flights and hotels booked directly.
Gas stations.
Netflix, Spotify and the like.
Bills, shopping and the rest.
$2,832 a month, $33,984 a year
Earns the most on your spending
Capital One Venture
$1,128 a year after its $95 annual fee: 67,968 Capital One miles worth $1,223 at 1.8¢ each, or 3.6% back on what you spend. That's $47 more than the next best, the Amex Gold Card.
- Rewards a year
- $1,223
- Annual fee
- −$95
- Net value a year
- $1,128
Card-by-card table
| Card | Rewards | Rewards a year | Fee | Net |
|---|---|---|---|---|
| Capital One Venture | Capital One miles · 1.8¢ | $1,223 | $95 | $1,128 |
| Amex Gold Card | Membership Rewards points · 2.1¢ | $1,407 | $325 | $1,082 |
| Citi Strata Premier | ThankYou points · 1.75¢ | $1,122 | $95 | $1,027 |
| Chase Sapphire Preferred | Ultimate Rewards points · 2¢ | $1,020 | $95 | $925 |
| Wells Fargo Autograph | Wells Fargo Rewards points · 1.6¢ | $856 | $0 | $856 |
| Citi Double Cash | ThankYou points · 1.22¢ | $833 | $0 | $833 |
| Capital One Venture X | Capital One miles · 1.8¢ | $1,223 | $395 | $828 |
| Wells Fargo Active Cash | Cash back | $680 | $0 | $680 |
| Amex Blue Cash Preferred | Cash back | $734 | $95 | $639 |
| Chase Freedom Unlimited | Cash back | $569 | $0 | $569 |
| Capital One Savor | Cash back | $562 | $0 | $562 |
| Amex Blue Cash Everyday | Cash back | $508 | $0 | $508 |
| Chase Sapphire Reserve | Ultimate Rewards points · 2¢ | $987 | $795 | $192 |
| Amex Platinum Card | Membership Rewards points · 2.1¢ | $818 | $895 | −$77 |
Where the rewards come from
Capital One miles valued at 1.8¢ each.
| Category | Spend a year | Points | Value |
|---|---|---|---|
| Dining2x | $3,948 | 7,896 | $142 |
| Groceries2x | $6,228 | 12,456 | $224 |
| Travel2x | $2,484 | 4,968 | $89 |
| Gas2x | $2,412 | 4,824 | $87 |
| Streaming2x | $912 | 1,824 | $33 |
| Everything else2x | $18,000 | 36,000 | $648 |
| Rewards3.6% back | $33,984 | 67,968 | $1,223 |
| Annual fee | −$95 | ||
| Net value | $1,128 |
Which credit card earns the most on my spending? by Points Frog ↗ · An educational estimate, not financial advice.