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Ranked by effective value on mortgage payments spending. Effective rate accounts for the real-world value of each point or mile.
We rank the best mortgage payments 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
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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Chase
Bilt
Tiered based on spending ratio: 25% = 0.5x; 50% = 0.75x; 75% = 1x; 100%+ = 1.25x.
Bilt
Tiered based on spending ratio: 25% = 0.5x; 50% = 0.75x; 75% = 1x; 100%+ = 1.25x.
Bilt
Requires spending 75%+ of monthly housing payment on non-housing card purchases (lower tiers: 25% = 0.5x, 50% = 0.75x). Alternatively, spend $30 Bilt Cash to unlock 1,000 points on housing payments.