Instant results
Maximum benefits Travel and purchase protections, lounge access and credits carry real weight — annual fees are judged on net value.
Sample data. Card names, rates, and bonuses shown while CardLoupe is in build are illustrative placeholders, not real offers. Nothing here is a rate quote or an application.
Top 3 cards for Maximum benefits SAMPLE: 60,000 points after $4,000 spend in 3 months
$550 annual fee annual fee 21.49%–29.49% variable APRRates & fees Last verified Aug 30, 2026
Up to 100,000 bonus miles + 3,000 PQP after $4,000 spend in 3 months
$350 annual fee annual fee 19.74%–28.24% variable APRRates & fees unavailable
Last verified Sep 7, 2026
75,000 miles after $4,000 in purchases in the first 3 months (about $750 in travel value).
$95 annual fee annual fee 19.49%–28.49% variable APRRates & fees Last verified Sep 3, 2026
Score weighting used here
Ongoing value 25%
Welcome value 15%
Cost & financing 15%
Reward usability 10%
Benefits 25%
Accessibility & fit 10% Affiliate compensation is not one of these inputs and never has been. Read the methodology
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This is general information, not legal, financial, or insurance advice. See our Methodology and Privacy Policy .
CardLoupe is an editorial publication, not a lender, bank, or insurance producer. Card terms change; always confirm rates and fees on the issuer's own page before applying. We never collect credit application data or Social Security numbers.