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
$439
Modeled net
$43,074
Reality Score
9811.9%
Rewards
$762
Credits
$42,461
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.
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$860
Modeled net
$40,884
Reality Score
4753.9%
Rewards
$1,002
Credits
$40,232
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
$310
Modeled net
$32,679
Reality Score
10541.5%
Rewards
$720
Credits
$32,188
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
$890
Modeled net
$21,770
Reality Score
2446.1%
Rewards
$1,002
Credits
$21,463
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
Chase Bank · marketed/editorial estimate
Ads say
$0
Modeled net
$14,271
Reality Score
0.0%
Rewards
$600
Credits
$13,740
Annual fee
-$69
Point value (marketed est.)
1.25¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$489
Modeled net
$11,504
Reality Score
2352.5%
Rewards
$686
Credits
$10,916
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.
Frequent traveler
Capital One · marketed/editorial estimate
Ads say
$500
Modeled net
$10,123
Reality Score
2024.6%
Rewards
$2,069
Credits
$8,449
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
$620
Modeled net
$9,020
Reality Score
1454.8%
Rewards
$720
Credits
$8,450
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
$2,494
Modeled net
$4,727
Reality Score
189.5%
Rewards
$1,536
Credits
$4,086
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
Capital One · marketed/editorial estimate
Ads say
$749
Modeled net
$3,540
Reality Score
472.6%
Rewards
$2,247
Credits
$1,688
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
Citibank · marketed/editorial estimate
Ads say
$360
Modeled net
$3,349
Reality Score
930.2%
Rewards
$1,156
Credits
$2,888
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
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
American Express Bank · marketed/editorial estimate
Ads say
$524
Modeled net
$2,171
Reality Score
414.4%
Rewards
$2,179
Credits
$317
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
Chase Bank · marketed/editorial estimate
Ads say
$100
Modeled net
$2,020
Reality Score
2020.2%
Rewards
$1,574
Credits
$541
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
Citibank · marketed/editorial estimate
Ads say
$100
Modeled net
$1,806
Reality Score
1805.5%
Rewards
$1,769
Credits
$131
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
$2,290
Modeled net
$1,612
Reality Score
70.4%
Rewards
$984
Credits
$1,423
Annual fee
-$795
Point value (marketed est.)
2.05¢
Frequent traveler
Capital One · marketed/editorial estimate
Ads say
$50
Modeled net
$1,554
Reality Score
3107.9%
Rewards
$1,465
Credits
$184
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
Chase Bank · marketed/editorial estimate
Ads say
$120
Modeled net
$1,373
Reality Score
1143.8%
Rewards
$1,378
Credits
$90
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
Bank of America · marketed/editorial estimate
Ads say
$100
Modeled net
$1,289
Reality Score
1289.3%
Rewards
$1,004
Credits
$380
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
Chase Bank · marketed/editorial estimate
Ads say
$0
Modeled net
$1,258
Reality Score
0.0%
Rewards
$1,453
Credits
$0
Annual fee
-$195
Point value (marketed est.)
2.05¢
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
$0
Modeled net
$1,146
Reality Score
0.0%
Rewards
$937
Credits
$305
Annual fee
-$95
Point value (marketed est.)
1.60¢
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$919
Modeled net
$1,050
Reality Score
114.2%
Rewards
$676
Credits
$924
Annual fee
-$550
Point value (marketed est.)
0.40¢
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$390
Modeled net
$1,031
Reality Score
264.2%
Rewards
$824
Credits
$557
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.
Frequent traveler
Citibank · marketed/editorial estimate
Ads say
$0
Modeled net
$957
Reality Score
0.0%
Rewards
$806
Credits
$151
Annual fee
-$0
Point value (marketed est.)
1.40¢
Frequent traveler
Chase Bank · marketed/editorial estimate
Ads say
$140
Modeled net
$913
Reality Score
652.3%
Rewards
$709
Credits
$299
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
Chase Bank · marketed/editorial estimate
Ads say
$530
Modeled net
$873
Reality Score
164.7%
Rewards
$738
Credits
$285
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
$300
Modeled net
$842
Reality Score
280.7%
Rewards
$637
Credits
$855
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
$450
Modeled net
$840
Reality Score
186.6%
Rewards
$626
Credits
$364
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
Citibank · marketed/editorial estimate
Ads say
$0
Modeled net
$830
Reality Score
0.0%
Rewards
$672
Credits
$158
Annual fee
-$0
Point value (marketed est.)
1.40¢
Frequent traveler
American Express Bank · marketed/editorial estimate
Ads say
$220
Modeled net
$799
Reality Score
363.2%
Rewards
$732
Credits
$218
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
$270
Modeled net
$625
Reality Score
231.4%
Rewards
$662
Credits
$113
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.