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Ranked by effective value on travel spending. Effective rate accounts for the real-world value of each point or mile.
Travel cards earn elevated rates on flights, hotels, and other travel purchases. The best ones earn 3x to 5x per dollar through their own travel portals, with effective values of 4.5% to 10% when points are transferred to airline partners. We rank by real-world return, not headline multipliers.
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
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
Points Accelerator: costs $200 Bilt Cash to activate; up to 5 activations per year; expires when $5,000 cap hit or end of year