Card Reality Scores
Earn rules and credits come from structured card records. Point value comes from published observed P50—not an editorial aspiration.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$140
Modeled net
$80,077
Reality Score
57198.2%
Rewards
$826
Credits
$79,346
Annual fee
-$95
Point value (marketed est.)
0.75¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Citibank · marketed/editorial estimate
Ads say
No credits
Modeled net
$10,889
Reality Score
Not scored
This card advertises no statement credits, so there is no advertised figure to measure it against. Read the modeled net value instead.
Rewards
$706
Credits
$10,283
Annual fee
-$99
Point value (marketed est.)
1.40¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$2,290
Modeled net
$6,911
Reality Score
301.8%
Rewards
$1,220
Credits
$6,486
Annual fee
-$795
Point value (marketed est.)
2.05¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$2,494
Modeled net
$3,790
Reality Score
152.0%
Rewards
$1,229
Credits
$3,456
Annual fee
-$895
Point value (marketed est.)
2.00¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Citibank · marketed/editorial estimate
Ads say
$360
Modeled net
$3,109
Reality Score
863.7%
Rewards
$672
Credits
$3,132
Annual fee
-$695
Point value (marketed est.)
1.40¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$524
Modeled net
$2,842
Reality Score
542.4%
Rewards
$1,872
Credits
$1,295
Annual fee
-$325
Point value (marketed est.)
2.00¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Capital One · marketed/editorial estimate
Ads say
$749
Modeled net
$2,474
Reality Score
330.2%
Rewards
$1,776
Credits
$1,093
Annual fee
-$395
Point value (marketed est.)
1.85¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Capital One · marketed/editorial estimate
Ads say
$500
Modeled net
$2,405
Reality Score
481.0%
Rewards
$1,776
Credits
$1,024
Annual fee
-$395
Point value (marketed est.)
1.85¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$2,598
Modeled net
$2,271
Reality Score
87.4%
Rewards
$1,722
Credits
$1,344
Annual fee
-$795
Point value (marketed est.)
2.05¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$489
Modeled net
$2,180
Reality Score
445.8%
Rewards
$1,104
Credits
$1,226
Annual fee
-$150
Point value (marketed est.)
0.55¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$100
Modeled net
$2,162
Reality Score
2161.9%
Rewards
$1,574
Credits
$683
Annual fee
-$95
Point value (marketed est.)
2.05¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Capital One · marketed/editorial estimate
Ads say
$50
Modeled net
$2,127
Reality Score
4254.5%
Rewards
$1,776
Credits
$446
Annual fee
-$95
Point value (marketed est.)
1.85¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Citibank · marketed/editorial estimate
Ads say
$100
Modeled net
$2,101
Reality Score
2101.5%
Rewards
$1,915
Credits
$281
Annual fee
-$95
Point value (marketed est.)
1.90¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$530
Modeled net
$2,027
Reality Score
382.5%
Rewards
$738
Credits
$1,439
Annual fee
-$150
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
No credits
Modeled net
$1,777
Reality Score
Not scored
This card advertises no statement credits, so there is no advertised figure to measure it against. Read the modeled net value instead.
Rewards
$1,968
Credits
$4
Annual fee
-$195
Point value (marketed est.)
2.05¢
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$390
Modeled net
$1,726
Reality Score
442.5%
Rewards
$824
Credits
$1,052
Annual fee
-$150
Point value (marketed est.)
1.20¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$860
Modeled net
$1,699
Reality Score
197.6%
Rewards
$900
Credits
$1,149
Annual fee
-$350
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$890
Modeled net
$1,614
Reality Score
181.4%
Rewards
$780
Credits
$1,529
Annual fee
-$695
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$450
Modeled net
$1,499
Reality Score
333.0%
Rewards
$899
Credits
$750
Annual fee
-$150
Point value (marketed est.)
0.40¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$120
Modeled net
$1,391
Reality Score
1158.8%
Rewards
$1,378
Credits
$108
Annual fee
-$95
Point value (marketed est.)
2.05¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$810
Modeled net
$1,223
Reality Score
150.9%
Rewards
$576
Credits
$1,297
Annual fee
-$650
Point value (marketed est.)
1.20¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$620
Modeled net
$1,201
Reality Score
193.7%
Rewards
$720
Credits
$631
Annual fee
-$150
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$220
Modeled net
$1,152
Reality Score
523.4%
Rewards
$732
Credits
$570
Annual fee
-$150
Point value (marketed est.)
1.20¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$919
Modeled net
$1,119
Reality Score
121.7%
Rewards
$745
Credits
$924
Annual fee
-$550
Point value (marketed est.)
0.40¢
Frequent traveler
Bank of America · marketed/editorial estimate
Ads say
$100
Modeled net
$1,081
Reality Score
1081.1%
Rewards
$781
Credits
$395
Annual fee
-$95
Point value (marketed est.)
1.55¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$300
Modeled net
$1,075
Reality Score
358.5%
Rewards
$799
Credits
$926
Annual fee
-$650
Point value (marketed est.)
0.75¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$270
Modeled net
$1,041
Reality Score
385.6%
Rewards
$662
Credits
$529
Annual fee
-$150
Point value (marketed est.)
1.20¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
No credits
Modeled net
$995
Reality Score
Not scored
This card advertises no statement credits, so there is no advertised figure to measure it against. Read the modeled net value instead.
Rewards
$720
Credits
$344
Annual fee
-$69
Point value (marketed est.)
1.25¢
Frequent traveler
Citibank · marketed/editorial estimate
Ads say
No credits
Modeled net
$978
Reality Score
Not scored
This card advertises no statement credits, so there is no advertised figure to measure it against. Read the modeled net value instead.
Rewards
$806
Credits
$271
Annual fee
-$99
Point value (marketed est.)
1.40¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$310
Modeled net
$921
Reality Score
297.0%
Rewards
$720
Credits
$430
Annual fee
-$229
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
No credits
Modeled net
$917
Reality Score
Not scored
This card advertises no statement credits, so there is no advertised figure to measure it against. Read the modeled net value instead.
Rewards
$937
Credits
$75
Annual fee
-$95
Point value (marketed est.)
1.60¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$439
Modeled net
$912
Reality Score
207.6%
Rewards
$762
Credits
$299
Annual fee
-$149
Point value (marketed est.)
1.25¢
This ratio is high because the advertised figure on file may not include ongoing rewards potential — read the dollar amounts above, not the percentage, for this profile.
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