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.
Browse 25 merchants and sub-categories, then see which cards earn the most at each brand.
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
Auto covers 25 merchants across 3 sub-categories — from headline brands to specialty retailers. Use the directory below to jump into a sub-category or open a brand page for earn-rate context. Bilt Palladium Card is our top-scoring card for auto spend at 4.4¢ per dollar, with a $495 annual fee; we show one highlight here and link to the full category ranking when one exists.
Bilt Palladium Card — 4.4¢ per dollar, $495 annual fee.
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