What credit card earns the most at AllModern?

AllModern Mastercard ranks #1 for AllModern in our list at 7.0¢ per dollar at AllModern — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.

Can I stack a shopping portal with my credit card at AllModern?

Shopping portals sometimes offer extra rewards at AllModern; check current portal rates before you buy.

10 Best Credit Cards for AllModern of October 2026

Top picks for AllModern from our scoring engine.

By CardRewards.ai EditorialData as of October 12, 2026Visit AllModern ↗

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 AllModern. Order can differ from that column because ranking adds the adjustments above.

AllModern Mastercard earns the top spot for AllModern purchases at 7.0¢ per dollar at allmodern — no annual fee. We ranked every card in our database against AllModern 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.

Top Pick

AllModern Mastercard

Citi

7x points at AllModern

+7x on Allmodern
+Free Shipping on Eligible Purchases
+No annual fee

MASTERCARDCore Rate

7.0¢

per dollar at allmodern

No annual fee

Runner-Up

Bilt Palladium Card

Cardless

2x Bilt Rewards on all other

2x × 2.0¢/pt = 4.0¢ per dollar

+Est. $100/yr value — $200 of Bilt Cash
+50,000 points bonus (~$1,000 value)
+Est. $200/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility

MASTERCARD

4.0¢

per dollar on all other

$495/yr(est. $200/yr in usable credits)

Welcome: 50,000 points

Also Great

Capital One Venture Rewards Credit Card

Capital One

2x Capital One Miles on all other

2x × 1.3¢/pt = 2.6¢ per dollar

Up to 2.8¢/$ via British Airways Club

+75,000 miles bonus (~$975 value)
+Up to 1.4¢/pt via British Airways Club
+Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility

MASTERCARD

2.6¢

per dollar on all other

$95/yr(est. $15/yr in usable credits)

Welcome: 75,000 miles

Why AllModern Mastercard wins for AllModern

AllModern Mastercard earns 7.0¢ per dollar at AllModern, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.

Compare the Top Picks

AllModern Mastercard vs Bilt Palladium Card·AllModern Mastercard vs Capital One Venture Rewards Credit Card·Bilt Palladium Card vs Capital One Venture Rewards Credit Card

Quick Comparison

Side-by-side view of the ranked picks.

Ranked by estimated net annual value: the earn rate on your spending, the card's usable credits and its annual fee together, so a card with a higher rate can rank lower.
Card	Shopping Rate	Effective Value	Annual Fee	Est. Fee Offset	Network
AllModern MastercardCiti	7x points	7.0¢/$	$0	—	mastercard
Bilt Palladium CardCardless	2x Bilt Rewards	4.0¢/$	$495	$200	mastercard
Capital One Venture Rewards Credit CardCapital One	2x Capital One Miles	2.6¢/$	$95	$15	mastercard
Fidelity Rewards Visa Signature CardElan Financial	2% cash back	2.0¢/$	$0	$25	visa
Capital One Venture X Rewards Credit CardCapital One	2x Capital One Miles	2.6¢/$	$395	$315	visa
Synchrony Premier World Mastercard®Synchrony	2% cash back	2.0¢/$	$0	—	mastercard
Citi Strata Elite℠ CardCiti	1.5x ThankYou Points	2.4¢/$	$595	$465	mastercard
The Platinum Card from American ExpressAmerican Express	1x Membership Rewards	1.5¢/$	$895	$1,089.50	amex
Chase Sapphire ReserveChase	1x Ultimate Rewards	1.8¢/$	$795	$1,063	visa
IHG One Rewards Premier Credit CardChase	3x IHG One Rewards	1.8¢/$	$150	$140	mastercard

More Options

#4Fidelity Rewards Visa Signature CardNo fee

2.0¢/$

#5Capital One Venture X Rewards Credit Card$395/yr

2.6¢/$

#6Synchrony Premier World Mastercard®No fee

2.0¢/$

#7Citi Strata Elite℠ Card$595/yr

2.4¢/$

#8The Platinum Card from American Express$895/yr

1.5¢/$

#9Chase Sapphire Reserve$795/yr

1.8¢/$

#10IHG One Rewards Premier Credit Card$150/yr

1.8¢/$

How to maximize value at AllModern

Use AllModern Mastercard for AllModern purchases — it earns 7.0¢ per dollar at AllModern in our scoring.
Shopping portals sometimes offer extra rewards at AllModern; check current portal rates before you buy.
Pair AllModern Mastercard with Bilt Palladium Card to cover categories where it earns more — diversifying your spend can lift your blended return.
Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.

Similar Brands

Other brands in Shopping where the top picks above also earn well.

Frequently asked

What credit card earns the most at AllModern?: AllModern Mastercard ranks #1 for AllModern in our list at 7.0¢ per dollar at AllModern — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
Can I stack a shopping portal with my credit card at AllModern?: Shopping portals sometimes offer extra rewards at AllModern; check current portal rates before you buy.

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