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Ranked by effective value on flights spending. Effective rate accounts for the real-world value of each point or mile.
American Express
Flights booked directly with airlines or via AmexTravel.com; $500,000/year combined cap with prepaid hotel 5x
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
Citi
American Airlines purchases after $150,000 in calendar year card spend; unlocks for remainder of calendar year
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 →
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