Card Reality Scores
Earn rules and credits come from structured card records. Point value comes from published observed P50—not an editorial aspiration.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$524
Modeled net
$4,510
Reality Score
860.7%
Rewards
$2,964
Credits
$1,871
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$2,494
Modeled net
$3,866
Reality Score
155.0%
Rewards
$1,560
Credits
$3,201
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.
High, diversified spender
Capital One · marketed/editorial estimate
Ads say
$749
Modeled net
$2,934
Reality Score
391.7%
Rewards
$2,309
Credits
$1,020
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$100
Modeled net
$2,852
Reality Score
2851.6%
Rewards
$2,494
Credits
$452
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.
High, diversified spender
Citibank · marketed/editorial estimate
Ads say
$100
Modeled net
$2,687
Reality Score
2686.9%
Rewards
$2,519
Credits
$263
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.
High, diversified spender
Capital One · marketed/editorial estimate
Ads say
$500
Modeled net
$2,626
Reality Score
525.2%
Rewards
$2,136
Credits
$886
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$2,598
Modeled net
$2,538
Reality Score
97.7%
Rewards
$2,079
Credits
$1,255
Annual fee
-$795
Point value (marketed est.)
2.05¢
High, diversified spender
Capital One · marketed/editorial estimate
Ads say
$50
Modeled net
$2,422
Reality Score
4844.3%
Rewards
$2,136
Credits
$382
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$2,290
Modeled net
$2,132
Reality Score
93.1%
Rewards
$1,599
Credits
$1,328
Annual fee
-$795
Point value (marketed est.)
2.05¢
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$120
Modeled net
$1,980
Reality Score
1650.1%
Rewards
$1,983
Credits
$92
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$860
Modeled net
$1,979
Reality Score
230.1%
Rewards
$1,258
Credits
$1,071
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$890
Modeled net
$1,971
Reality Score
221.4%
Rewards
$1,238
Credits
$1,427
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.
High, diversified spender
Bank of America · marketed/editorial estimate
Ads say
$100
Modeled net
$1,930
Reality Score
1929.9%
Rewards
$1,656
Credits
$369
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$220
Modeled net
$1,714
Reality Score
779.2%
Rewards
$1,217
Credits
$648
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$620
Modeled net
$1,609
Reality Score
259.5%
Rewards
$1,170
Credits
$589
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$810
Modeled net
$1,496
Reality Score
184.7%
Rewards
$936
Credits
$1,210
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.
High, diversified spender
Citibank · marketed/editorial estimate
Ads say
$360
Modeled net
$1,480
Reality Score
411.0%
Rewards
$1,092
Credits
$1,083
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.
High, diversified spender
Citibank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,443
Reality Score
0.0%
Rewards
$1,310
Credits
$232
Annual fee
-$99
Point value (marketed est.)
1.40¢
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,419
Reality Score
0.0%
Rewards
$1,614
Credits
$0
Annual fee
-$195
Point value (marketed est.)
2.05¢
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,410
Reality Score
0.0%
Rewards
$1,435
Credits
$70
Annual fee
-$95
Point value (marketed est.)
1.60¢
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$390
Modeled net
$1,387
Reality Score
355.5%
Rewards
$1,217
Credits
$520
Annual fee
-$350
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$489
Modeled net
$1,359
Reality Score
277.8%
Rewards
$978
Credits
$480
Annual fee
-$99
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$439
Modeled net
$1,350
Reality Score
307.4%
Rewards
$1,268
Credits
$231
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$140
Modeled net
$1,320
Reality Score
943.1%
Rewards
$1,275
Credits
$140
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$450
Modeled net
$1,253
Reality Score
278.3%
Rewards
$1,158
Credits
$245
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.
High, diversified spender
Citibank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,239
Reality Score
0.0%
Rewards
$1,092
Credits
$147
Annual fee
-$0
Point value (marketed est.)
1.40¢
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$530
Modeled net
$1,237
Reality Score
233.4%
Rewards
$1,121
Credits
$266
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.
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,169
Reality Score
0.0%
Rewards
$975
Credits
$263
Annual fee
-$69
Point value (marketed est.)
1.25¢
High, diversified spender
Chase Bank · marketed/editorial estimate
Ads say
$310
Modeled net
$1,155
Reality Score
372.4%
Rewards
$1,170
Credits
$214
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$919
Modeled net
$1,130
Reality Score
122.9%
Rewards
$817
Credits
$862
Annual fee
-$550
Point value (marketed est.)
0.40¢
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$270
Modeled net
$1,031
Reality Score
382.0%
Rewards
$1,076
Credits
$105
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.
High, diversified spender
American Express Bank · marketed/editorial estimate
Ads say
$300
Modeled net
$927
Reality Score
308.9%
Rewards
$1,041
Credits
$536
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.