What credit card has the highest cash back on spears?

Bilt Palladium Card ranks #1 in our scoring for spears at 4.4¢ 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 spears?

Yes — Capital One VentureOne Rewards Credit Card earns 2.3¢ per dollar on spears 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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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.

Spears 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 September 27, 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 Spears. Open a brand to see card-specific earn rates; Bilt Palladium Card leads this slice at 4.4¢ per dollar, with a $495 annual fee.

Top pick

Bilt Palladium Card — 4.4¢ per dollar, $495 annual fee.

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Frequently asked

What credit card has the highest cash back on spears?: Bilt Palladium Card ranks #1 in our scoring for spears at 4.4¢ 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 spears?: Yes — Capital One VentureOne Rewards Credit Card earns 2.3¢ per dollar on spears 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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