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Home › Best Credit Cards › Best for Points

Best Credit Cards for Points (March 2026)

Ranked by actual rewards rates at points merchants. 15 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer

The best credit card for points in 2026 is the Autograph ($0/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.

Top 15 Cards Compared

#1
Autograph
Autograph
Top Pick
Wells Fargo ·
7.5
3x Best Rate$0/yr feeNo FTF20,000 points
Autograph with no annual fee, no foreign transaction fee, plus a 20,000 points signup bonus.
Apply Now
Rewards Rate
3xRestaurants
3xTravel
3xGas Stations
3xTransit
1.0xAll other purchases
Intro Offer
20,000 points
Annual Fee
$0
Foreign Fee
None
Transfer Partners
No
Why we picked it: Autograph with no annual fee, no foreign transaction fee, plus a 20,000 points signup bonus.
Pros
  • No annual fee
  • No foreign transaction fee
  • 20,000 points signup bonus
Cons
  • No point transfer partners
Apply Now Full Review →
#2
Bilt
Bilt
Runner Up
Wells Fargo ·
7.5
3x Best Rate$0/yr feeNo FTFVaries
Bilt with no annual fee, no foreign transaction fee, plus a Varies signup bonus.
Apply Now
Rewards Rate
3xDining On Rent Day
2xTravel
1xRent Payments
1xEverything Else
1.0xAll other purchases
Intro Offer
Varies
Annual Fee
$0
Foreign Fee
None
Transfer Partners
Yes
Why we picked it: Bilt with no annual fee, no foreign transaction fee, plus a Varies signup bonus.
Pros
  • No annual fee
  • No foreign transaction fee
  • Transferable points to travel partners
Cons
    Apply Now Full Review →
    #3
    Ink Business Unlimited
    Ink Business Unlimited
    Chase ·
    7.0
    2x Best Rate$0/yr feeNo FTF$750 cash back
    Ink Business Unlimited with no annual fee, no foreign transaction fee, plus a $750 cash back signup bonus.
    Apply Now
    Rewards Rate
    2xEverything
    1.0xAll other purchases
    Intro Offer
    $750 cash back
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Ink Business Unlimited with no annual fee, no foreign transaction fee, plus a $750 cash back signup bonus.
    Pros
    • No annual fee
    • No foreign transaction fee
    • $750 cash back signup bonus
    Cons
    • No point transfer partners
    Apply Now Full Review →
    #4
    AAA Daily Advantage
    AAA Daily Advantage
    Comenity ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    AAA Daily Advantage with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xGrocery Stores
    3xGas Stations & Ev Charging
    3xWholesale Clubs
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AAA Daily Advantage with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #5
    AAA Travel Advantage
    AAA Travel Advantage
    Comenity ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    AAA Travel Advantage with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xTravel
    3xGas Stations & Ev Charging
    3xGrocery Stores
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AAA Travel Advantage with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #6
    AAdvantage MileUp
    AAdvantage MileUp
    Citi ·
    7.0
    2x Best Rate$0/yr feeNo FTF
    AAdvantage MileUp with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    2xAmerican Airlines Purchases
    2xGrocery Stores
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AAdvantage MileUp with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #7
    AARP Essential Rewards
    AARP Essential Rewards
    Barclays ·
    7.0
    3x Best Rate$0/yr feeNo FTF
    AARP Essential Rewards with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    3xGas Stations & Drugstores
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AARP Essential Rewards with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #8
    AARP Travel Rewards
    AARP Travel Rewards
    Barclays ·
    7.0
    3x Best Rate$0/yr feeNo FTF
    AARP Travel Rewards with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    3xDining, Gas, Drugstores
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AARP Travel Rewards with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #9
    Altitude Connect
    Altitude Connect
    U.S. Bank ·
    7.0
    4x Best Rate$0/yr feeNo FTF
    Altitude Connect with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    4xTravel
    2xDining
    2xGas Stations & Ev Charging
    2xGrocery Stores
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Altitude Connect with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #10
    Altitude Reserve
    Altitude Reserve
    U.S. Bank ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    Altitude Reserve with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xMobile Wallet Purchases
    3xTravel & Mobile Wallet At 3X
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Altitude Reserve with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #11
    Amazon Business
    Amazon Business
    American Express ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    Amazon Business with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xAmazon, Aws, Whole Foods
    2xRestaurants, Gas, Office Supply Stores
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Amazon Business with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #12
    Amazon Prime
    Amazon Prime
    Chase ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    Amazon Prime with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xAmazon & Whole Foods Market
    2xRestaurants
    2xGas Stations
    2xLocal Transit & Commuting
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Amazon Prime with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #13
    Amazon Prime Store Card
    Amazon Prime Store Card
    Synchrony ·
    7.0
    5x Best Rate$0/yr feeNo FTF
    Amazon Prime Store Card with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    5xAmazon.Com & Whole Foods
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Amazon Prime Store Card with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #14
    Amtrak Guest Rewards
    Amtrak Guest Rewards
    FNBO ·
    7.0
    3x Best Rate$0/yr feeNo FTF
    Amtrak Guest Rewards with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    3xAmtrak Purchases
    2xDining
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: Amtrak Guest Rewards with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    #15
    AT&T Points Plus
    AT&T Points Plus
    Citi ·
    7.0
    3x Best Rate$0/yr feeNo FTF
    AT&T Points Plus with no annual fee, no foreign transaction fee.
    Apply Now
    Rewards Rate
    3xAt&T Wireless Purchases
    2xDining
    1xEverything Else
    1.0xAll other purchases
    Intro Offer
    N/A
    Annual Fee
    $0
    Foreign Fee
    None
    Transfer Partners
    No
    Why we picked it: AT&T Points Plus with no annual fee, no foreign transaction fee.
    Pros
    • No annual fee
    • No foreign transaction fee
    Cons
    • No point transfer partners
    • No signup bonus
    Apply Now Full Review →
    RelatedAutograph vs Bilt·Autograph Review·Bilt Review·Ink Business Unlimited Review·AAA Daily Advantage Review·AAA Travel Advantage Review

    Top 5 Picks in Detail

    #1. Autograph

    The Autograph from Wells Fargo earns 1.0x base rate with no annual fee, plus 20,000 points welcome bonus.

    Read Full Review →Apply Now →

    #2. Bilt

    The Bilt from Wells Fargo earns 1.0x base rate with no annual fee, plus Varies welcome bonus.

    Read Full Review →Apply Now →

    #3. Ink Business Unlimited

    The Ink Business Unlimited from Chase earns 1.0x base rate with no annual fee, plus $750 cash back welcome bonus.

    Read Full Review →Apply Now →

    #4. AAA Daily Advantage

    The AAA Daily Advantage from Comenity earns 1.0x base rate with no annual fee.

    Read Full Review →Apply Now →

    #5. AAA Travel Advantage

    The AAA Travel Advantage from Comenity earns 1.0x base rate with no annual fee.

    Read Full Review →Apply Now →

    Our Methodology

    Our points rankings are based on 15 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.

    Frequently Asked Questions

    What is the best credit card for points in 2026?
    The Autograph is our top-ranked card for points in 2026, earning 1X rewards with a $0/yr annual fee. We compared 15 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
    How did you rank these points credit cards?
    We ranked 15 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in points rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
    Is there a no-annual-fee card for points?
    Yes — the Autograph is the top no-annual-fee option for points in our rankings.
    How often are these rankings updated?
    Rankings update automatically when card terms change. Data last verified: March 11, 2026.
    PointsPick may earn a commission when you apply through our links. Full disclosure
    This ranking draws on data from 35+ independent sources. Rankings are data-driven with no affiliate influence on placement. Last verified on March 11, 2026. Full methodology: www.pointspick.com/methodology.