Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for G DATA Downloads from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at G DATA Downloads, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card earns the top spot for G DATA Downloads purchases at 4.4¢ per dollar on all other — a $495 annual fee. We ranked every card in our database against G DATA Downloads purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Cardless
Capital One
Bank Of America
Bilt Palladium Card earns 4.4¢ per dollar on all other when you shop at G DATA Downloads, the highest marginal rate in our list for this brand. At 4.4¢ per dollar, rewards cover the $495 fee after about $11,250 a year in G DATA Downloads spending. To come out ahead of Susan G. Komen® Customized Cash Rewards (2.6¢), you'd need about $27,500 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Shopping Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $200 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Susan G. Komen® Customized Cash RewardsBank Of America | 3% cash back | 2.6¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3% cash back | 2.6¢/$ | $0 | — | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,149.50 | amex |
| Blue Cash Everyday Card from American ExpressAmex | 3% cash back | 1.9¢/$ | $0 | $42 | amex |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $99 | — | mastercard |
Other brands in Hardware where the top picks above also earn well.
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