Free Tool to Maximize Credit Card Rewards

Checked americanexpress.com 2026-10-05. $325 annual fee. 4x on restaurants worldwide up to $50,000 a year and 4x on U.S. supermarkets up to $25,000 a year, each cap separate; 3x on flights booked with airlines or through Amex Travel; 5x on prepaid hotels through Amex Travel, with 2x now applying to prepaid car rentals and Amex Travel cruises; 1x other. The row previously put 2x on hotels through Amex Travel and described the restaurant cap as $25,000, which is the supermarket figure. New benefits not modeled: complimentary Hertz Five Star Status and The Hotel Collection $100 property credit on stays of two nights or more booked through Amex Travel.

Checked bilt.com 2026-10-05. No annual fee. The public welcome offer is $100 of Bilt Cash on approval with no minimum spend; it is paid in Bilt Cash rather than Bilt points. 2x on Bilt Travel flights, 3x on hotels and car rentals through the Bilt Travel portal, 3x on Lyft, 1x otherwise, with housing-only tiers up to 1.25x.

Earn 5x miles on flights and 10x miles on hotels & rental cars booked via Capital One Travel; 2x miles on other purchases

Checked creditcards.wellsfargo.com 2026-10-05. No annual fee. 20,000 points after $1,000 in 3 months. 3x on restaurants, travel, gas, transit, streaming services and phone plans; 1x other. No foreign transaction fee. The row already described phone plans in its notes but the phone field itself was left blank, so those purchases earned the 1x base rate.