Basel
Get started
The card rules catalog

11 personal cards, modeled down to the caps.

Earn rates by category, annual caps, fees, and conservative point valuations for the top US personal cards. This is the data your rewards report is computed from, published because auditable beats trust-me.

American Express

Blue Cash Everyday

3% 3% U.S. supermarkets, first $6k/yr
3% 3% U.S. gas, first $6k/yr
1% on everything else
No annual feeverified 2026-07
American Express

Blue Cash Preferred

6% 6% U.S. supermarkets, first $6k/yr, then 1%
6% 6% select U.S. streaming
3% 3% transit: rideshare, parking, tolls, trains
3% 3% U.S. gas stations
1% on everything else
$95/yr feeverified 2026-07
American Express

Gold Card

4× 4x dining worldwide
4× 4x U.S. supermarkets, first $25k/yr
3× 3x flights booked direct or via Amex Travel
1× on everything else
$325/yr feeverified 2026-07
Capital One

SavorOne

3% 3% dining
3% 3% entertainment
3% 3% popular streaming
3% 3% groceries (excludes superstores/wholesale)
1% on everything else
No annual feeverified 2026-07
Capital One

Venture

5× 5x hotels & rental cars via Capital One Travel
2× on everything else
$95/yr feeverified 2026-07
Capital One

Venture X

10× 10x hotels & rental cars via Capital One Travel
5× 5x flights via Capital One Travel
2× on everything else
$395/yr feeverified 2026-07
Chase

Freedom Flex

3× 3x dining
3× 3x drugstores
1× on everything else
No annual feeverified 2026-07
Chase

Freedom Unlimited

3× 3x dining
3× 3x drugstores
1.5× on everything else
No annual feeverified 2026-07
Chase

Sapphire Preferred

3× 3x dining worldwide
3× 3x select streaming
3× 3x online grocery (excludes superstores/wholesale)
2× 2x all travel; 5x via Chase Travel
1× on everything else
$95/yr feeverified 2026-07
Citi

Double Cash

2% on everything
No annual feeverified 2026-07
Wells Fargo

Active Cash

2% on everything
No annual feeverified 2026-07

Effective rates value points at Basel’s conservative defaults (see methodology). Terms belong to their issuers and change without notice; the catalog carries last-verified dates for exactly that reason.