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Ranked by effective value on all other purchases spending. Effective rate accounts for the real-world value of each point or mile.
We rank the best all other purchases credit cards by their effective return per dollar spent. Effective value accounts for the real worth of each point or mile, not just the headline multiplier. Rankings reflect standard earning rates — portal bonuses and rotating categories are excluded.
Citi
Automatically applied to your highest eligible spend category each billing cycle. Eligible categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment
Highest effective return in this category
Bilt
Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.
Effective value is calculated using our standardized cents-per-point values. Multiplier cards are valued at their points currency's transfer partner potential. Rankings reflect standard rates only — portal bonuses and rotating categories are excluded. View all cards →
Find the best card for every type of spending.
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Bilt
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year
Bilt
Bilt Cash earning mode (alternative to points; mutually exclusive with points earning per transaction)
Chase