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

Wells Fargo

Autograph Journey

5x WFR~8.5% value$95/yr

$95/yr annual fee

Apply at Wells Fargo

#10

American Express

Hilton Aspire

Direct bookings at Hilton hotels and resorts

14x HH~7.0% value$550/yr

$550/yr annual fee

Apply at Amex

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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