Automatically applied to your highest eligible spend category each billing cycle. Eligible categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment

5x TYP (all purchases)~9.0% valueNo fee

No annual fee

Apply at Citi

Bilt

Bilt Obsidian

Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.

3x Bilt (all purchases)~6.1% value$95/yr

$95/yr annual fee

Apply at Bilt

Bilt

Bilt Palladium

Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year

3x Bilt (all purchases)~6.1% value$495/yr

$495/yr annual fee

Apply at Bilt

#10

Wells Fargo

Autograph

Phone plans (wireless service)

3x WFR (all purchases)~5.1% valueNo fee

No annual fee

Apply at Wells Fargo

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 →

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