The Bilt Palladium Card is the best card for RingCentral — it earns 2x (4.0% return) and 2x on All Other Purchases.
No annual fee: the Citi Double Cash earns 2x at RingCentral with no annual fee (3.6% return).
Updated June 2026
Best Credit Card for RingCentral
Compare the top credit cards to maximize your rewards every time you shop at RingCentral.
Choosing the right card for RingCentral can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x on All Other Purchases
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Citi ThankYou PointsCiti Double Cash2xpts/dollar3.6%return2x on All Other Purchases
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IHG One RewardsIHG One Rewards Premier Business Credit Card5xpts/dollar3.5%return5x on Select Business Purchases
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At RingCentral, Bilt Palladium Card is currently our top overall pick at 2x, which works out to about 4.0% back based on CardCurator's current point valuations. 2x on All Other Purchases. If you want a no-annual-fee option, Citi Double Cash earns 2x there (3.6% effective return). On $500/month of spend, the top card is worth about $240/year before signup bonuses or statement credits. Summary generated June 26, 2026. Source: https://cardcurator.ai/merchant/ringcentral
- Bilt Palladium Card: 2x and 4.0% effective return.
- At $500/month, that's about $240/year in rewards value before bonuses.
- Citi Double Cash is the best no-annual-fee fallback at 2x, worth about $216/year at the same spend.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at RingCentral?
The Bilt Palladium Card is currently the top pick at RingCentral, earning 2x points per dollar — an effective 4.0% return. 2x on All Other Purchases
How many points do I earn at RingCentral per dollar spent?
Top cards earn between 2x and 5x at RingCentral. Leading options include: Bilt Palladium Card (2x), Capital One Venture Rewards (2x), Citi Double Cash (2x).
Does RingCentral count as other for credit card rewards?
RingCentral typically falls under the Other category for credit card reward purposes. Cards with a other spending bonus will earn an elevated rate here. Choosing the right card for RingCentral can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at RingCentral?
Yes — the Citi Double Cash has no annual fee and earns 2x at RingCentral (3.6% effective return). 2x on All Other Purchases
Is a premium card worth the annual fee for RingCentral spending?
The Bilt Palladium Card ($495/yr) earns 2x at RingCentral. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at RingCentral?
Bilt Palladium Card: $240/yr, Capital One Venture Rewards: $222/yr, Citi Double Cash: $216/yr. The Bilt Palladium Card earns the most at $500/month.
Also earning in Other
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.