Credit card issuers

American Express issues the Platinum, Gold, Green, and Business Platinum/Gold flagships, plus Delta, Hilton, and Marriott cobrands. Membership Rewards transfer to 18 partners.

Bank of America issues the Premium Rewards, Travel Rewards, Customized Cash Rewards, and Unlimited Cash Rewards. Preferred Rewards members earn boosted rewards.

Capital One issues the Venture, Savor, and Quicksilver families. Capital One Miles transfer to 15+ airline and hotel partners.

Chase issues the Sapphire, Freedom, and Ink families plus a broad set of airline and hotel cobrand cards. Ultimate Rewards transfer 1:1 to 14 partners.

Citi issues the Premier, Strata, Custom Cash, and Double Cash, plus the long 0% APR Diamond Preferred. ThankYou Points transfer when paired with a Premier or Strata.

Discover issues a single product family: the Discover it Cash Back, Discover it Miles, and Discover it Student and Secured variants. Year-one Cashback Match is the defining feature.

Fidelity offers a single consumer card, the Fidelity Rewards Visa Signature, underwritten by Elan Financial Services. It pays a flat 2% that deposits straight into a Fidelity brokerage, IRA, HSA, 529 or Charitable Giving Account.

PenFed issues the Pathfinder Rewards travel card, the Power Cash Rewards flat-rate card, the Platinum Rewards gas and grocery card, and the low-rate Gold Visa. Membership is required but open to anyone, and Honors Advantage members earn more.

U.S. Bank issues the Altitude family, the category-choice Cash+, and the relationship-priced Smartly card. Points and cash rewards are fixed-value with no transfer partners, and Altitude Connect and Altitude Go can move points between each other.

Wells Fargo issues the Active Cash, Autograph, and Reflect cards. The Active Cash has been the benchmark flat 2% card since launch.