What credit card has the highest cash back on flood & spot lights?

Choice Privileges Select Mastercard ranks #1 in our scoring for flood & spot lights at 3.0¢ per dollar — $95 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 flood & spot lights?

Yes — Bank of America Customized Cash Rewards Credit Card earns 2.8¢ per dollar on flood & spot lights 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.

Flood & Spot Lights merchants: where each card earns

Browse 0 merchants and sub-categories, then see which cards earn the most at each brand.

0 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

0 merchants sit under Flood & Spot Lights. Open a brand to see card-specific earn rates; Choice Privileges Select Mastercard leads this slice at 3.0¢ per dollar, with a $95 annual fee.

Top 5 cards for Flood & Spot Lights

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Frequently asked

What credit card has the highest cash back on flood & spot lights?: Choice Privileges Select Mastercard ranks #1 in our scoring for flood & spot lights at 3.0¢ per dollar — $95 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 flood & spot lights?: Yes — Bank of America Customized Cash Rewards Credit Card earns 2.8¢ per dollar on flood & spot lights 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.

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