Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

Updated October 17, 2026 · DebitCue Editorial Team

Top rewards cards compared in the United States

51 cards available in the United States, ranked for the United States.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top rewards cards compared in the United States
#CardScoreFeaturesKey factsActions
1
Current Build Card logo
Current Build CardTop pick
9.4/10
  • No annual fee
Rewards rate:
1x points per $1 on eligible purchases, redeemable as cash back
Annual fee:
$0
APR:
0%
ReviewCompareVisit
2
Current logo
Current
9.1/10
  • No annual fee
  • Crypto
Rewards rate:
1x points per $1 on eligible purchases, redeemable as cash back
Annual fee:
$0
APR:
0%
ReviewCompareVisit
3
Instarem logo
Instarem

Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000

9.1/10
  • No annual fee
Rewards rate:
0.5 InstaPoints per SGD spent
Annual fee:
SGD 0
Currency conversion fee:
0%
ReviewCompareVisit
4
Revolut logo
Revolut
9.2/10
  • No annual fee
  • Multi currency
  • Virtual card
Rewards rate:
1.5 points per EUR1
Annual fee:
€0
APR:
13.34% to 17.99%
ReviewCompareVisit
5
Union Pay International logo
Union Pay International
9.6/10
    Currency conversion fee:
    0%
    Rewards type:
    Points
    Perks:
    Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
    		ReviewCompareSee alternatives
    6
    DCU (Digital Federal Credit Union) logo
    DCU (Digital Federal Credit Union)

    Greenlight SELECT plan at no cost for DCU members: greenlight SELECT plan free for DCU members until 11/12/2026

    		9.5/10
    • No annual fee
    Rewards rate:
    1 point per $1 spent, redeemable for cash back, travel, gift cards and merchandise
    Annual fee:
    $0
    APR:
    14.75% to 18%
    		ReviewCompareSee alternatives
    7
    Navan logo
    Navan

    Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month

    		9.4/10
    • No annual fee
    Rewards rate:
    A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank
    Annual fee:
    $0
    Rewards type:
    Points
    		ReviewCompareSee alternatives
    8
    Uni5Pay+ by Scombank logo
    Uni5Pay+ by Scombank
    		9.4/10
      Currency conversion fee:
      0%
      Rewards type:
      Points
      Perks:
      Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
      		ReviewCompareSee alternatives
      9
      AffinityPlus Credit Union logo
      AffinityPlus Credit Union

      Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers

      		9.3/10
      • No annual fee
      Rewards rate:
      MyPlus Rewards points
      Annual fee:
      $0
      APR:
      14.65% to 18%
      		ReviewCompareSee alternatives
      10
      National Bank of Kuwait Cards logo
      National Bank of Kuwait Cards

      Travel at Ease With 25% Cashback: 25% cashback

      		9.3/10
        Annual fee:
        KWD 30
        APR:
        12%
        Currency conversion fee:
        3% to 5%
        		ReviewCompareSee alternatives

        Licensed in the United States

        Current Build Card
        NMLS (Finco Advance LLC)
        Current Build Card
        NMLS (FinCo Licensing LLC)
        Current Build Card
        California Department of Financial Protection and Innovation (DFPI)
        Current Build Card
        State of Indiana Department of Financial Institutions
        Current Build Card
        Kansas Office of the State Bank Commissioner
        Current Build Card
        State of Missouri Division of Finance
        Current Build Card
        South Carolina Department of Consumer Affairs
        Current Build Card
        Utah Division of Consumer Protection
        Current Build Card
        Arizona Department of Insurance and Financial Institutions
        DCU (Digital Federal Credit Union)
        National Credit Union Administration (NCUA)
        Hawaiian Airlines
        FDIC
        HSBC Platinum
        FDIC
        TD Bank Group
        Office of the Comptroller of the Currency
        TD Bank Group
        FDIC
        Oriental Bank
        FDIC
        UBS
        FDIC

        Other rankings

        Browse by category

        Other countries

        Current Build Card

        Current Build Card

        Top pick for the United States

        9.4/10Visit