Sorted by starting price

5 Cheapest Rewards Credit Cards of 2026

By the Rankozo research desk · Updated November 10, 2026

Among the 10 tools in our best rewards credit cards ranking, Chase Sapphire Preferred has the lowest verified paid starting price at $95 annual fee. Prices below are quoted from each vendor's US pricing page.

1. 01

   Chase Sapphire Preferred

   People who want one points card with strong everyday categories and transferable points for a low fee.

   $95 annual fee

   Full entry, No. 1 overall

   Starts at

   $95

   Score 9.0

2. 02

   Citi Strata Premier Card

   Grocery and gas spenders who want transferable points for a low fee.

   $95 annual fee

   Full entry, No. 3 overall

   Starts at

   $95

   Score 8.7

3. 03

   American Express Gold Card

   Big spenders on dining and groceries who will use its monthly credits.

   $325 annual fee for the Basic Card

   Full entry, No. 7 overall

   Starts at

   $325

   Score 8.3

4. 04

   Capital One Venture X Rewards

   Frequent travelers who want a high flat earn rate and lounge access without tracking categories.

   $395 annual fee

   Full entry, No. 2 overall

   Starts at

   $395

   Score 8.8

5. 05

   The Platinum Card from American Express

   Frequent flyers and luxury hotel guests who will use most of its credits.

   $895 annual fee for the Basic Card

   Full entry, No. 10 overall

   Starts at

   $895

   Score 7.8

Scores and prices come from our Best Rewards Credit Cards ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com