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Services merchants: where each card earns

Browse 10 merchants and sub-categories, then see which cards earn the most at each brand.

10 merchantsBy CardRewards.ai EditorialData as of November 13, 2026

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

Services covers 10 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 services spend at 4.0¢ per dollar, with a $495 annual fee; we show one highlight here and link to the full category ranking when one exists.

Top 5 cards for Services

  1. 1
    Bilt Palladium Card
    Bilt Palladium CardCardless2x Bilt Rewards on everything · $495 annual fee
  2. 2
    Capital One Venture Rewards Credit Card
    Capital One Venture Rewards Credit CardCapital One2x Capital One Miles on everything · $95 annual fee
  3. 3
    Fidelity Rewards Visa Signature Card
    Fidelity Rewards Visa Signature CardElan Financial2% cash back on everything · no annual fee
  4. 4
    Citi Double Cash Card
    Citi Double Cash CardCiti2% cash back on everything · no annual fee
  5. 5
    Capital One Venture X Rewards Credit Card
    Capital One Venture X Rewards Credit CardCapital One2x Capital One Miles on everything · $395 annual fee

Browse by sub-category

Frequently asked

What credit card has the highest cash back on services?
Bilt Palladium Card ranks #1 in our scoring for services at 4.0¢ per dollar — $495 annual fee. The ranking factors in earn rate, welcome offer value, and redemption flexibility, net of the fee.
Are there no-annual-fee cards good for services?
Yes — Fidelity Rewards Visa Signature Card earns 2.0¢ per dollar on services with no annual fee. It's the highest-ranking no-fee card in our scoring for this category.
How are these cards ranked?
Effective value per dollar — earn rate × points value (cents per point), plus amortized welcome offer value and credit offsets, net of the annual fee. Numbers reflect typical redemptions, not best-case outliers.
What's the most popular sub-category under Services?
Financial Services — 2 merchants. Drill in for category-specific recommendations.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.