best way to earn the maxmim point with wich card ?

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The best way to maximize points depends on your spending habits and travel preferences. Here are top strategies using high-earning cards with transferable points.

Top Cards for Maximizing Points

  • Bilt Palladium Card: Earns 3.3 points per dollar on 75% of rent or mortgage, plus 3x on Bilt Cash use, and up to 7.4 points per dollar with transfer bonuses via partners like United, Air France KLM, and Marriott Bonvoy.
  • Chase Sapphire Reserve®: Earns 3x on dining, 3x on travel (through Chase Travel), and 4x on select purchases via Citi Travel; 150,000 bonus points after $6,000 spend in 3 months.🔗
  • American Express Business Platinum Card: Offers 200,000 Membership Rewards points with $10,000 spend in 6 months, and access to Centurion Lounges with statement credits.🔗
  • Hilton Honors Business Card: Earns 7x points on Hilton hotels, 5x on dining, gas, and groceries, and 3x on all other purchases — ideal for frequent hotel stays.
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Strategic Tips

  • Use Bilt Cash to boost point earnings and unlock transfer bonuses, especially with Star Alliance, oneworld, or SkyTeam partners.
  • Combine cards: Use Bilt Palladium as a primary card and a 4x or 5x card (e.g., Chase Sapphire) for targeted spending to maximize value.🔗
  • Prioritize cards with high transfer bonuses and strong airline/hotel partners — e.g., United, Alaska, or World of Hyatt.🔗
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For maximum value, pair the Bilt Palladium Card with a high-earning travel card like Chase Sapphire Reserve® to cover all spending categories and unlock elite-level rewards.

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