Personal credit card intelligence
Which card should I use?
The most frequent credit card question there is, and the one most sites answer with a referral link. Pick what you're buying. We'll rank the cards on published earn rates only — and tell you where the ranking stops being meaningful.
What's the answer?
Of the cards we track, Citi Custom Cash publishes the highest rate here — 5x points, or 500 points on $100.
Condition: Only your single highest-spend eligible category each cycle, up to $500
Read that ranking carefully. These cards earn in different currencies, and we don't publish point valuations. 3x in one program can be worth less than 2% cash back. The multiplier tells you what you'll collect, not what it's worth.
Highest published rates we track
- Citi Custom CashCiti ThankYou Points
Published 5x points on this category.
Only your single highest-spend eligible category each cycle, up to $500
5x points
500 points
- Amex Business GoldAmex Membership Rewards
Published 4x points on this category.
Applies to your top two eligible categories each month, up to $150,000 a year
4x points
400 points
4x points
400 points
- Chase Freedom UnlimitedChase Ultimate Rewards
Published 3x points on this category.
3x points
300 points
- Chase Freedom FlexChase Ultimate Rewards
Published 3x points on this category.
3x points
300 points
Every multiplier on this page is the issuer's published rate, with its caps attached. We don't assign a cent-per-point value to anything, and no card is here because someone paid for it. See our editorial standards.
