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Ranked by effective value on online retail 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
Choose dining or grocery at account opening; selection is annual. Grocery capped at $25,000/year. Dining has no stated cap.
Bilt
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year
Bilt
Bilt Cash earning mode (alternative to points; mutually exclusive with points earning per transaction)
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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