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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.
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
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.
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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