Points to the T

Card Optimizer

Pick a category. We'll show which card from our 20 tracked cards earns the most — ranked by estimated dollar value, not just multiplier.

Best cards for dining & restaurants

Estimated value per $100 spent
  1. 1.
    American Express Gold Card
    4x Membership · Worldwide
    $8.00
    $325 AF
  2. 2.
    $6.00
    $95 AF
  3. 3.
    $6.00
    $795 AF
  4. 4.
    Bilt Obsidian
    3x Bilt · OR 3x Grocery (choose one, locked annually; grocery capped $25k/yr)
    $6.00
    $95 AF
  5. 5.
    $6.00
    $0 AF
  6. 6.
    $6.00
    $0 AF
  7. 7.
    $5.40
    $95 AF
  8. 8.
    Bilt Palladium
    2x Bilt (base rate)· Flat 2x on all non-housing spend
    $4.00
    $495 AF

Dollar values estimate the redemption value of points earned, using common point valuations. Actual value varies by how you redeem.