Software merchants: where each card earns
Browse 55 merchants and sub-categories, then see which cards earn the most at each brand.
55 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
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 4.0¢ per dollar, with a $495 annual fee.
Top 5 cards for Software
- 1Bilt Palladium CardCardless2x Bilt Rewards on everything · $495 annual fee
- 2Capital One Venture Rewards Credit CardCapital One2x Capital One Miles on everything · $95 annual fee
- 3Fidelity Rewards Visa Signature CardElan Financial2% cash back on everything · no annual fee
- 4Citi Double Cash CardCiti2% cash back on everything · no annual fee
- 5Capital One Venture X Rewards Credit CardCapital One2x Capital One Miles on everything · $395 annual fee
Browse by sub-category
- Antivirus & Security Software0
- Business & Productivity Software0
- Compilers & Programming Tools0
- Computer Icons0
- Computer Utilities & Maintenance Software0
- Desktop Wallpaper0
- Dictionary & Translation Software0
- Digital Artwork0
- Document Templates0
- Educational Software0
- Financial, Tax & Accounting Software0
- Fonts0
- GPS Map Data & Software0
- Handheld & PDA Software0
- Multimedia & Design Software0
- Network Software0
- Office Application Software0
- Operating Systems0
- Restore Disks0
- Stock Photographs & Video Footage0
- Virtual Currency0
Top brands across Software
Other categories like Software
Frequently asked
- What credit card has the highest cash back on software?
- Bilt Palladium Card ranks #1 in our scoring for software 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 software?
- Yes — Fidelity Rewards Visa Signature Card earns 2.0¢ per dollar on software 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 Software?
- Antivirus & Security Software — 0 merchants. Drill in for category-specific recommendations.
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