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 55 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
Software groups 55 merchants — including the brands most readers ask about. Browse sub-categories and brands first; Bilt Palladium Card is the current top pick at 4.4¢ per dollar, with a $495 annual fee.
Bilt Palladium Card — 4.4¢ per dollar, $495 annual fee.
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