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

Bank of America

Atmos Rewards Summit

Flights, hotels, and car rentals via BofA Travel portal

8x Atmos~8.0% value$550/yr

$550/yr annual fee

Apply at Bank of America

Bilt

Bilt Palladium

Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year

3x Bilt (all purchases)~6.1% value$495/yr

$495/yr annual fee

Apply at Bilt

American Express

Green Card

3x MR~6.0% value$150/yr

$150/yr annual fee

Apply at Amex

#10

Wells Fargo

Autograph Journey

3x WFR~5.1% value$95/yr

$95/yr annual fee

Apply at Wells Fargo

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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