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Many credit cards offer impressive category bonuses. For example, the Chase Freedom Flex offers 5X points in rotating categories each quarter, in addition to 3X points at restaurants and drugstores. The American Express Gold card offers 4X at restaurants (up to $50K per year) and 4x at US supermarkets (up to $25K per year).
These are just a couple of examples; there are additional opportunities to earn more rewards when paying for travel, shopping at office supply stores, and paying for gas, among others. In this post, you’ll find lists of the best cards for each type of purchase…or what we refer to as the best category bonuses.
We’ve changed the categories a bit for this 2025 update. Some major issuers have eliminated or narrowed their “general” travel category, and most now provide additional rewards for purchasing travel via their own portal (like Chase Travel℠ or Citi Travel).
As a result, we now break “travel” into five different categories: general travel, hotels, airlines, hotel bookings through issuers’ portals, and airline bookings through issuers’ portals.
Overview
For cards that earn points instead of cash back, we’ve listed the “x” which refers to the number of points per dollar that are earned in that category, so “5x” means that the card earns 5 points per dollar.
Within each category, cards are sorted by the value of the return in descending order based on our Reasonable Redemption Values (RRVs) for points and miles-earning cards, or by their fixed redemption value with cashback cards.
It’s worth noting that transferable points are almost always assigned higher redemption Values since their flexibility makes it possible to cherry-pick the best value awards. In some cases, this will be unintuitive, especially when a card is marketed as a cashback card.
For example, the Chase Freedom Flex card is advertised as a cashback card where points are worth 1 cent each. However, the card actually earns Chase Ultimate Rewards points. If you only have the Freedom Flex, those points are worth 1 cent each, but if you (or another household member) has a premium Chase card (Sapphire Preferred, Chase Sapphire Reserve®, Ink Business Preferred, etc.), you can move points from the Freedom Flex card to the premium card and then transfer those points to airline or hotel programs as needed.
Best cards for travel
Best cards to use for general travel
Below are cards that offer category bonuses for travel, in general, rather than for specific travel categories like flights or hotels. Note that what’s considered “travel” can vary between issuers, and this list does not factor in credit card travel protections.
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: 5X travel (includes airlines, hotels, and car rentals) ✦ 2X dining ✦ 1X everywhere else Base: 1% Travel: 5% Flights: 5% Hotels: 5% Dine: 2% |
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through September 2027 |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Gas: 2% Brand: 3% |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% |
Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% Brand: 2% |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 3X travel & dining Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: 4X Travel for PenFed Honors Advantage Members ✦ 3X travel otherwise ✦ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: 5 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 7 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Flights: 2% Hotels: 2% Grocery: 2% Gas: 2% Brand: 2% |
Earning rate: 2x travel (includes airlines, hotels, and car rentals) Base: 1% Travel: 2% Flights: 2% Hotels: 2% |
Best cards to use for booking flights directly with airlines
Below are cards that offer category bonuses for booking flights directly from an airline. Tickets booked via online travel agencies like Expedia or Priceline won’t trigger the listed bonus.
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X points for prepaid hotels booked through American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: 5X travel (includes airlines, hotels, and car rentals) ✦ 2X dining ✦ 1X everywhere else Base: 1% Travel: 5% Flights: 5% Hotels: 5% Dine: 2% |
Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. |
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through September 2027 |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
Earning rate: ✦ 2X U.S. Restaurants ✦ 2X select U.S. Department Stores ✦ 2X Car Rentals Purchased Directly from Select Car Rental Companies ✦ 2X Airfare Purchased Directly from Airlines |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Flights: 3% Hotels: 3% Dine: 2% |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Gas: 2% Brand: 3% |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% |
Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% Brand: 2% |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 3X travel & dining Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: 3x for commercial air travel, 2x for eligible groceries, select digital entertainment, newspapers and cable TV, and 1X everywhere else Base: 1% Flights: 3% Grocery: 2% |
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Flights: 3% Hotels: 3% Office: 2% |
Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. |
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
Earning rate: 4X Travel for PenFed Honors Advantage Members ✦ 3X travel otherwise ✦ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel |
Earning rate: 5 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 7 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Flights: 2% Hotels: 2% Grocery: 2% Gas: 2% Brand: 2% |
Earning rate: 2x travel (includes airlines, hotels, and car rentals) Base: 1% Travel: 2% Flights: 2% Hotels: 2% |
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Flights: 2% Dine: 3% Gas: 2% |
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). |
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). |
Best cards to use for booking flights via the card issuer’s portal
Below are cards that offer increased bonuses for booking flights through an issuer’s portal, ie, Chase Travel℠, Capital One Travel, or Citi Travel.
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 12X hotels, car rentals and attractions booked through Citi Travel ✦ 6X airfare booked through Citi Travel ✦ 6X dining between 6pm and 6am EST Fridays and Saturdays ✦ 3X dining all other times ✦ 1.5X everywhere else |
Earning rate: Earn 5X flights & prepaid hotels booked at AmexTravel.com. ✦ 2X points per dollar (on up to $2 million of those purchases per year) for each eligible purchase of $5000 or more, US construction/hardware stores, US software & cloud system providers, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. |
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X points for prepaid hotels booked through American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Business Travel ✦ 5x on flights and vacation rentals booked via Capital One Business Travel ✦ 2X everywhere else |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% Portal Flights: 5.25% Portal Hotels: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% Portal Flights: 5.25% Portal Hotels: 5.25% |
Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend ✦ 5x Lyft through September 2027 Base: 2% Portal Flights: 5% Portal Hotels: 5% |
Earning rate: ✦ 5% back on first $6,000 of Instacart orders annually and on travel purchased through Chase Travel℠ ✦ 2% back at gas stations, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Portal Flights: 5% Portal Hotels: 5% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 5% on travel booked through Robinhood portal Base: 3% Portal Flights: 5% Portal Hotels: 5% |
Earning rate: 6x Stays booked through Booking.com ✦ 5x All other travel booked through Booking.com ✦ 3x dining, gas, groceries, and "in-trip" booking ✦ 2x everywhere else |
Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. |
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Portal Flights: 3% Portal Hotels: 3% |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Portal Flights: 3% Portal Hotels: 3% |
Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. |
Best cards to use for booking hotels
Below are cards that offer category bonuses for booking stays directly through hotels. Tickets booked via online travel agencies like Expedia or Priceline won’t trigger the listed bonus.
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: 5X travel (includes airlines, hotels, and car rentals) ✦ 2X dining ✦ 1X everywhere else Base: 1% Travel: 5% Flights: 5% Hotels: 5% Dine: 2% |
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through September 2027 |
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 1.5X on transit, eligible U.S. shipping, and purchases of $5K or more (up to $100K per year) |
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Flights: 3% Hotels: 3% Dine: 2% |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Gas: 2% Brand: 3% |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through September 2027 |
Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% |
Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% Brand: 2% |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 3X travel & dining Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Flights: 3% Hotels: 3% Office: 2% |
Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else |
Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car rental partners (ends 12/31/25) ✦ 2X hotels ✦ 2x gas and restaurants ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
Earning rate: 2x on Korean Air, Hotels and Dining |
Earning rate: 2x on rideshare services & streaming services |
Earning rate: 4X Travel for PenFed Honors Advantage Members ✦ 3X travel otherwise ✦ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members. |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel |
Earning rate: 5 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 7 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Flights: 2% Hotels: 2% Grocery: 2% Gas: 2% Brand: 2% |
Earning rate: 2x travel (includes airlines, hotels, and car rentals) Base: 1% Travel: 2% Flights: 2% Hotels: 2% |
Best cards to use for booking hotels via the card issuer’s portal
Below are cards that offer increased bonuses for booking hotel stays through an issuer’s portal, ie, Chase Travel℠, Capital One Travel, or Citi Travel.
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 12X hotels, car rentals and attractions booked through Citi Travel ✦ 6X airfare booked through Citi Travel ✦ 6X dining between 6pm and 6am EST Fridays and Saturdays ✦ 3X dining all other times ✦ 1.5X everywhere else |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. |
Earning rate: 10X miles on hotels and rental cars booked via Capital One Business Travel ✦ 5x on flights and vacation rentals booked via Capital One Business Travel ✦ 2X everywhere else |
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else |
Earning rate: Earn 5X flights & prepaid hotels booked at AmexTravel.com. ✦ 2X points per dollar (on up to $2 million of those purchases per year) for each eligible purchase of $5000 or more, US construction/hardware stores, US software & cloud system providers, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply. |
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X points for prepaid hotels booked through American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel (limit $500,000 in purchases each calendar year) ✦ 5X prepaid hotels booked with American Express Travel |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/25. |
Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel |
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel |
Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One's travel booking site |
Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One's travel booking site |
Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Portal Hotels: 6% |
Earning rate: 6% on accommodations booked through Booking.com app ✦ 5% on travel booked at Booking.com ✦ 3% on dining, gas, and grocery ✦ 3% on in-person purchases (with card present) during your stay made within 50 miles of accommodations booked via Booking.com on up to $10K in purchases per year ✦ 2% everywhere else |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% Portal Flights: 5.25% Portal Hotels: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% Portal Flights: 5.25% Portal Hotels: 5.25% |
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel ✦ 5% on Capital One Entertainment through 12/31/25 Base: 1.5% Portal Hotels: 5% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels, vacation rentals, and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 4% |
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% Portal Hotels: 5% |
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% Portal Hotels: 5% |
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 1.5% Portal Hotels: 5% |
Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend ✦ 5x Lyft through September 2027 Base: 2% Portal Flights: 5% Portal Hotels: 5% |
Earning rate: ✦ 5% back on first $6,000 of Instacart orders annually and on travel purchased through Chase Travel℠ ✦ 2% back at gas stations, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Portal Flights: 5% Portal Hotels: 5% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 5% on travel booked through Robinhood portal Base: 3% Portal Flights: 5% Portal Hotels: 5% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Portal Flights: 3% Portal Hotels: 3% |
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Portal Flights: 3% Portal Hotels: 3% |
Best cards to use at grocery stores
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ✦ 3x points at US gas stations ✦ 1.5x points on other purchases. |
Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. |
Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ✦ 1% cash back on other purchases ✦ Terms apply. Base: 1% Grocery: 6% Gas: 3% |
Earning rate: ✦ 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions ✦ 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases ✦ 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. ✦ Terms apply. Base: 1% Grocery: 6% Gas: 3% |
Earning rate: 6% back on groceries (on up to $10k in spending per year) ✦ 2% back on all other purchases Base: 2% Grocery: 6% |
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% |
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Grocery: 5% |
Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases. |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 5X Hotels, Car Rentals and Attractions booked on cititravel.com ✦ 3X grocery ✦ 3X gas stations & EV charging ✦ 3X select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals ✦ 3X self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores) ✦ 2X dining |
Earning rate: 5X gas (up to $10k in spending per year) ✦ 3X grocery, dining (up to $10k in spending per year) ✦ 3X deparment stores, drug stores ✦ 1X everywhere else |
Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else |
Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ✦ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ✦ 1.2X on other purchases |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases |
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K in eligible purchases per year ✦ 2X on all other eligible purchases |
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
Earning rate: ✦ 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply. Base: 1% Grocery: 3% Gas: 3% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels, vacation rentals, and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 4% |
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart |
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
Earning rate: 3% dining, groceries and entertainment (including streaming)✦ 1.5% everywhere else Base: 1.5% Grocery: 3% Dine: 3% |
Earning rate: 3% grocery and dining ✦ 1.5% everywhere else Base: 1.5% Grocery: 3% Dine: 3% |
Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Grocery: 3% Dine: 3% |
Earning rate: 6x Stays booked through Booking.com ✦ 5x All other travel booked through Booking.com ✦ 3x dining, gas, groceries, and "in-trip" booking ✦ 2x everywhere else |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: 6% on accommodations booked through Booking.com app ✦ 5% on travel booked at Booking.com ✦ 3% on dining, gas, and grocery ✦ 3% on in-person purchases (with card present) during your stay made within 50 miles of accommodations booked via Booking.com on up to $10K in purchases per year ✦ 2% everywhere else |
Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else |
Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else |
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue & Paisley ✦ 1X everywhere else |
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 2X gas station and grocery (up to $5K in purchases combined per anniversary year) ✦ 2X Southwest |
Earning rate: 3X Southwest ✦ 2X restaurants and grocery (up to $8K in purchases combined per year) ✦ 2X Rapid Rewards(R) hotel and car rental partners (ends 12/31/25) ✦ 2X local transit and rideshare (ends 12/31/25) ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. |
Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
Earning rate: 2X Delta ✦ 2x eligible restaurants worldwide ✦ 2x US supermarkets |
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $1000 in purchases per month) ✦ 2% back at restaurants, gas stations, supermarkets, Netflix, Spotify, Uber and Lyft. Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Gas: 2% Brand: 3% |
Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card (100K points/year max) ✦ 1x everywhere else |
Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Grocery: 2% Dine: 2% Gas: 2% Brand: 2% |
Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Grocery: 2% Dine: 3% Brand: 4% |
Earning rate: 5X extra on Rakuten Dining ✦ 4X extra on Rakuten purchases (limit $7k spend per calendar year) ✦ 2X groceries & restaurants ✦ 1x everywhere else Base: 1% Grocery: 2% Dine: 2% Brand: 4% |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Flights: 2% Hotels: 2% Grocery: 2% Gas: 2% Brand: 2% |
Earning rate: ✦ 3X MGM ✦ 2X gas stations and grocery stores ✦ 1X elsewhere |
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
Earning rate: 3x for commercial air travel, 2x for eligible groceries, select digital entertainment, newspapers and cable TV, and 1X everywhere else Base: 1% Flights: 3% Grocery: 2% |
Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Grocery: 2% Dine: 4% Gas: 2% |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ✦ Ground Transportation ✦ Select Clothing Stores ✦ Cell Phone Providers ✦ Electronic Stores ✦ TV, Internet & Streaming Services ✦ Gyms/Fitness Centers ✦ Fast Food ✦ Sporting Goods Stores ✦ Department Stores ✦ Furniture Stores ✦ Movie Theaters. 2% Categories: Gas Stations ✦ Restaurants ✦ Grocery Stores Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). |
Best cards to use for restaurants and food delivery
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. |
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere |
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Dine: 5% |
Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
Earning rate: 12X hotels, car rentals and attractions booked through Citi Travel ✦ 6X airfare booked through Citi Travel ✦ 6X dining between 6pm and 6am EST Fridays and Saturdays ✦ 3X dining all other times ✦ 1.5X everywhere else |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 5X gas (up to $10k in spending per year) ✦ 3X grocery, dining (up to $10k in spending per year) ✦ 3X deparment stores, drug stores ✦ 1X everywhere else |
Earning rate: 3X Air Canada ✦ 3X grocery stores ✦ 3X dining ✦ 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max) ✦ 1X everywhere else |
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 4% |
Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Grocery: 2% Dine: 4% Gas: 2% |
Earning rate: 3X Alaska Airlines ✦ 3x dining ✦ 3x foreign transactions ✦ 1X elsewhere |
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Flights: 3.5% Hotels: 3.5% Dine: 3.5% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else |
Earning rate: ✦ 2X U.S. Restaurants ✦ 2X select U.S. Department Stores ✦ 2X Car Rentals Purchased Directly from Select Car Rental Companies ✦ 2X Airfare Purchased Directly from Airlines |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 6x at Marriott Bonvoy® properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) |
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K in eligible purchases per year ✦ 2X on all other eligible purchases |
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels, vacation rentals, and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Portal Hotels: 5% Grocery: 3% Dine: 3% |
Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Grocery: 2% Dine: 3% Brand: 4% |
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart |
Earning rate: 5X Hotels, Car Rentals and Attractions booked on cititravel.com ✦ 3X grocery ✦ 3X gas stations & EV charging ✦ 3X select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals ✦ 3X self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores) ✦ 2X dining |
Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% |
Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% Brand: 2% |
Earning rate: 3% dining, groceries and entertainment (including streaming)✦ 1.5% everywhere else Base: 1.5% Grocery: 3% Dine: 3% |
Earning rate: 3% grocery and dining ✦ 1.5% everywhere else Base: 1.5% Grocery: 3% Dine: 3% |
Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Grocery: 3% Dine: 3% |
Earning rate: 6x Stays booked through Booking.com ✦ 5x All other travel booked through Booking.com ✦ 3x dining, gas, groceries, and "in-trip" booking ✦ 2x everywhere else |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
Earning rate: 5% gas (up to $6K spend per year) ✦3% Sam's Club ✦ 3% dining ✦ 1% everywhere else Base: 1% Dine: 3% Gas: 5% Brand: 3% |
Earning rate: 5% gas (up to $6K spend per year) ✦3% Sam's Club ✦ 3% dining ✦ 1% everywhere else Base: 1% Dine: 3% Gas: 5% Brand: 3% |
Earning rate: 3X travel & dining Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Flights: 2% Dine: 3% Gas: 2% |
Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 6% on accommodations booked through Booking.com app ✦ 5% on travel booked at Booking.com ✦ 3% on dining, gas, and grocery ✦ 3% on in-person purchases (with card present) during your stay made within 50 miles of accommodations booked via Booking.com on up to $10K in purchases per year ✦ 2% everywhere else |
Earning rate: ✦ 14X Hilton spend ✦ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ✦ 3X on all other eligible purchases ✦ Terms & Limitations Apply. |
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
Earning rate: 6X at AA Hotels ✦ 3X American Airlines purchases ✦ 2X restaurants ✦ 1X everywgere else |
Earning rate: 3X Virgin Atlantic, Virgin Hotels and Virgin Voyages ✦ 2X dining, at grocery stores, on select streaming services and for EV charging ✦ 1X everywhere else |
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue & Paisley ✦ 1X everywhere else |
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
Earning rate: 3X Southwest ✦ 2X gas station and restaurants (up to $8K in purchases combined per year) ✦ 2X Rapid Rewards(R) hotel and car rental partners (ends 12/31/25) ✦ 2X rideshare (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 3X Southwest ✦ 2X restaurants and grocery (up to $8K in purchases combined per year) ✦ 2X Rapid Rewards(R) hotel and car rental partners (ends 12/31/25) ✦ 2X local transit and rideshare (ends 12/31/25) ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 4X Southwest ✦ 2X gas & dining ✦ 2X local transit and rideshare (ends 12/31/25) ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
Earning rate: 2x on Korean Air, Hotels and Dining |
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
Earning rate: 2x on rideshare services & streaming services |
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. |
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media (capped at $50k per year) ✦ 2x U.S. shipping purchases (capped at $50k per year) ✦ 2x eligible restaurants worldwide and eligible US takeout & delivery |
Earning rate: 2X Delta ✦ 2x eligible restaurants worldwide ✦ 2x US supermarkets |
Earning rate: 2X eligible restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases |
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else |
Earning rate: ✦ 3X Cathay Pacific & Hong Kong Express ✦ 2X dining & dining delivery services ✦ 1X everywhere else |
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $1000 in purchases per month) ✦ 2% back at restaurants, gas stations, supermarkets, Netflix, Spotify, Uber and Lyft. Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) |
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Flights: 3% Hotels: 3% Dine: 2% |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Flights: 2% Hotels: 2% Dine: 2% |
Earning rate: 3x Allegiant ✦ 2x dining |
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel℠ purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 3% back at Whole Foods ✦ 3% back on Chase Travel℠ purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 3% |
Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Grocery: 2% Dine: 2% Gas: 2% Brand: 2% |
Earning rate: ✦ 5% back on first $6,000 of Instacart orders annually and on travel purchased through Chase Travel℠ ✦ 2% back at gas stations, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Portal Flights: 5% Portal Hotels: 5% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 5 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 7 points per $1 at Caesars Rewards locations ✦ 2 points per $1 on dining, travel and entertainment ✦ 1 point per $1 on all other purchases ✦ 1 point per $1 on cash advances |
Earning rate: 5X extra on Rakuten Dining ✦ 4X extra on Rakuten purchases (limit $7k spend per calendar year) ✦ 2X groceries & restaurants ✦ 1x everywhere else Base: 1% Grocery: 2% Dine: 2% Brand: 4% |
Earning rate: 5X travel (includes airlines, hotels, and car rentals) ✦ 2X dining ✦ 1X everywhere else Base: 1% Travel: 5% Flights: 5% Hotels: 5% Dine: 2% |
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ✦ Ground Transportation ✦ Select Clothing Stores ✦ Cell Phone Providers ✦ Electronic Stores ✦ TV, Internet & Streaming Services ✦ Gyms/Fitness Centers ✦ Fast Food ✦ Sporting Goods Stores ✦ Department Stores ✦ Furniture Stores ✦ Movie Theaters. 2% Categories: Gas Stations ✦ Restaurants ✦ Grocery Stores Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else |
Earning rate: 4x LATAM ✦ 3x dining, rideshare and public transit ✦ 1x everywhere else |
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
Earning rate: 3x LATAM ✦ 2x dining, rideshare and public transit ✦ 1x everywhere else |
Best cards to use for gas purchases
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5X gas (up to $10k in spending per year) ✦ 3X grocery, dining (up to $10k in spending per year) ✦ 3X deparment stores, drug stores ✦ 1X everywhere else |
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ✦ 1x on all other purchases |
Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Grocery: 3.5% Dine: 5.25% Gas: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart |
Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% |
Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 5% Brand: 2% |
Earning rate: 5% gas (up to $6K spend per year) ✦3% Sam's Club ✦ 3% dining ✦ 1% everywhere else Base: 1% Dine: 3% Gas: 5% Brand: 3% |
Earning rate: 5% gas (up to $6K spend per year) ✦3% Sam's Club ✦ 3% dining ✦ 1% everywhere else Base: 1% Dine: 3% Gas: 5% Brand: 3% |
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ✦ 3x points at US gas stations ✦ 1.5x points on other purchases. |
Earning rate: 10X hotels, car rentals, and attractions booked through Citi Travel℠ ✦ 3X grocery ✦ 3X dining ✦ 3X gas stations & EV charging ✦ 3X flights, hotels, travel agencies |
Earning rate: 5X Hotels, Car Rentals and Attractions booked on cititravel.com ✦ 3X grocery ✦ 3X gas stations & EV charging ✦ 3X select transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals ✦ 3X self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores) ✦ 2X dining |
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else. |
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Grocery: 2% Dine: 2% Gas: 4% |
Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Flights: 4% Hotels: 4% Portal Hotels: 5% Dine: 2% Gas: 4% |
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: ✦ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ✦ 2x points at US gas stations ✦ 1x points on other purchases. |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 6x at Marriott Bonvoy® properties ✦ 4x at restaurants worldwide, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ✦ 2x on all other eligible purchases. Terms Apply. (Rates & Fees) |
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else. |
Earning rate: ✦ 6% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 6% Cash Back as a statement credit on select U.S. streaming subscriptions. ✦ 3% Cash Back as a statement credit on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ✦ 1% cash back on other purchases ✦ Terms apply. Base: 1% Grocery: 6% Gas: 3% |
Earning rate: ✦ 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions ✦ 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases ✦ 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. ✦ Terms apply. Base: 1% Grocery: 6% Gas: 3% |
Earning rate: ✦ 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply. Base: 1% Grocery: 3% Gas: 3% |
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Dine: 3% Gas: 3% |
Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through September 2027 |
Earning rate: 6x Stays booked through Booking.com ✦ 5x All other travel booked through Booking.com ✦ 3x dining, gas, groceries, and "in-trip" booking ✦ 2x everywhere else |
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 3% Gas: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% |
Earning rate: 6x on first $1,500 in purchases each quarter with two retailers you choose ✦ 3x on first $1,500 in purchases per quarter on one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities) Base: 1.5% Gas: 3% |
Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 6% on accommodations booked through Booking.com app ✦ 5% on travel booked at Booking.com ✦ 3% on dining, gas, and grocery ✦ 3% on in-person purchases (with card present) during your stay made within 50 miles of accommodations booked via Booking.com on up to $10K in purchases per year ✦ 2% everywhere else |
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 2X gas station and grocery (up to $5K in purchases combined per anniversary year) ✦ 2X Southwest |
Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car rental partners (ends 12/31/25) ✦ 2X hotels ✦ 2x gas and restaurants ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 4X Southwest ✦ 2X gas & dining ✦ 2X local transit and rideshare (ends 12/31/25) ✦ 2X internet, cable, phone services, and select streaming (ends 12/31/25) ✦ 1X on all other purchases. |
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
Earning rate: 2X United ✦ 2X on United Hotels ✦ 2X gas stations ✦ 2X local transit and commuting |
Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else |
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $1000 in purchases per month) ✦ 2% back at restaurants, gas stations, supermarkets, Netflix, Spotify, Uber and Lyft. Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 2% Gas: 2% Brand: 3% |
Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card (100K points/year max) ✦ 1x everywhere else |
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel℠ purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 3% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 3% back at Whole Foods ✦ 3% back on Chase Travel℠ purchases ✦ 2% Back in Amazon rewards at US restaurants, local transit and commuting (including rideshare), US gas stations, and drugstores ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Brand: 3% |
Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Grocery: 2% Dine: 2% Gas: 2% Brand: 2% |
Earning rate: ✦ 5% back on first $6,000 of Instacart orders annually and on travel purchased through Chase Travel℠ ✦ 2% back at gas stations, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Portal Flights: 5% Portal Hotels: 5% Dine: 2% Gas: 2% Brand: 5% |
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Flights: 2% Hotels: 2% Grocery: 2% Gas: 2% Brand: 2% |
Earning rate: ✦ 3X MGM ✦ 2X gas stations and grocery stores ✦ 1X elsewhere |
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% |
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Flights: 2% Dine: 3% Gas: 2% |
Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Grocery: 2% Dine: 4% Gas: 2% |
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ✦ Ground Transportation ✦ Select Clothing Stores ✦ Cell Phone Providers ✦ Electronic Stores ✦ TV, Internet & Streaming Services ✦ Gyms/Fitness Centers ✦ Fast Food ✦ Sporting Goods Stores ✦ Department Stores ✦ Furniture Stores ✦ Movie Theaters. 2% Categories: Gas Stations ✦ Restaurants ✦ Grocery Stores Base: 1% Grocery: 2% Dine: 2% Gas: 2% |
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else |
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). |
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). |
Best cards to use at office supply stores
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through September 2027 |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 1.75% Travel: 5.25% Flights: 5.25% Hotels: 5.25% Dine: 3.5% Gas: 5.25% Office: 5.25% |
Earning rate: 10X IHG ✦ 5X travel, gas stations, restaurants and dining, social media and search engine advertising, office supply stores ✦ 3X on all other purchases |
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Flights: 3% Hotels: 3% Dine: 2% Gas: 3% Office: 3% |
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores Base: 1% Travel: 3% Flights: 3% Hotels: 3% Grocery: 3% Dine: 3% Gas: 3% Office: 3% |
Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Office: 3% |
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Flights: 3% Hotels: 3% Office: 2% |
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases |
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month). |
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Not technically “general travel” but on the Amex Business Gold transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways can be be 4x which is hard to beat.
I’ve been using my Mesa card more frequently for “catch-all” purchases. 3x on Government Svcs (Municipal golf green/cart Fees; DL renewal; State professional fee renewals; car registration); 3x Home Warranty Fees; 3x anything coding as “Real Estate Agents & Managers Rentals” (some timeshare HOAs/home rentals can fall under this cat).
I have also moved my Utilities to 3x Mesa from the Wyndham Rewards Biz card (since Vacasa is gone – good move by you Greg divesting just in time!) and my Insurance to 3x Mesa.
I recently stayed at the Sofitel DC and Sofitel Mexico City redeeming Mesa points towards ALL points I’ve earned since May, including 55k SUB + spend; 60k 2 referrals + $10k spend; everyday spend including HOA and mortgage. Btw, I am sure many of you on Accor’s mailing list got the same email I did from Accor about a Day of the Dead event day in MEX for 4k ALL points… amazing, practically a giveaway for what was easily $1k/pp day. I had suite upgrades both stays from the 5k points I transferred from Bilt to ALL last December for upgraded Plat status.
My new TYP MC/old SYW is my new Custom Cash-type card for 5x TYP on Gas (don’t have to PC into another CC card, which was nice in the conversion). I am also thinking of using it for 3x TYP Grocery Stores and rid myself of a couple of Strate Premier AFs.
Good, comprehensive list, Greg. Thank you!
With Wyndham points devalued, I am now using Citi Custom Cash instead of Wyndham Business Card.
I am wondering what should I use for utility now? Mesa seems to be a good option that rewards 3 Mesa points (3.9%) versus 5 Wyndham points (3.5%). What else?
Also, portal vs. non-portal shouldn’t be separate categories. They should be a selectable filter in a column of cards.
Generally, the layout in this article is less clear and less useful with the irrelevant categories in each selected card box. It should be a column of just the selected benefot category, filterable by portal/all;
“Best cards to use for restaurants and food delivery”
Wrong: Cita Strata Elite is 6x Friday and Saturday > 5pm. When everyone eats.
Presumably everybody eats everyday. Lol. (But I know what you meant.)
Greg, as you’ve taken BOA Platinum Honors Preferred Rewards into account in the tables, you should also include entries for PenFed Pathfinder with Honors Advantage (4x earn) as well. At the usual cpp value of 85/100ths of a cent each, the return for all travel is 3.4%… although it should be taken into account that having to redeem rewards for an e-Visa, as one example, and then using it to pay a bill or make a purchase means that the redeemed amount loses out on one’s baseline 2%/2x.BTW, the e-Visa is sometimes slightly discounted, as well as some retail gift cards, which can raise the cpp value to about 9/10ths of a cent.
The old/ancient TPG app was quite good about telling you which to use. But that died a while ago. Cardpointers app is “ok” but it doesn’t seem to deal well with the Shop Your Way mastercard (now it’s a Thank You Mastercard), and you can’t add the offers to Cardpointers so it doesn’t know that say, you can get 10% back on Groceries, Gas, and Restaurants. It also (cardpointers app) seems to not always deal nicely with the rotating 5% categories for Discover/Chase.
Also, even if the card has a high multiplier with travel insurance, if it has poor transfer partners, then the points aren’t as valuable. 🙂
This is great. Which is the best to use for hotels.com like sites? Also, some cards may give 5x points but do they have travel insurance? Which is the best to use with travel insurance? Are there any broad travel categories like the old CSR card? Thank you.
The new Wells Fargo Autograph Journey card offers 5X for hotel bookings that are done directly with the hotel, not a Wells Fargo travel agency. Best for hotels! bookings
Considering points per dollar spent only, what’s the most rewarding to use for rental cars and hotels? My company pays insurance directly with the rental car agency. I stay at many NH Hotels that are pre booked for me at a company preferred rate. I cannot book the hotel myself or through a portal, but I still pay the hotel bill directly with the hotel at checkout. I currently use the CSR on car rentals and Citi Strata on hotels, but is there a better option?
Note: I’m in the minority here, but I personally value Citi TY points a little more than Chase UR due to the transferability of TY points to EVA Air.
best to use at warehouse stores? seems most cards used for grocery spend exclude sam’s club.
Best for warehouse stores is the US Bank Altitude Reserve since it gives 3x points (worth 1.5 cents each) when you use your phone to pay (Apple Pay, Samsung Pay, etc.)
BofA Custom Cash with Platinum Honors, 3.5% at Wholesale up to $2,500 spend (combined with 5.25% category)
best card for utilities?
Elan Visa has 5x utilities, can also bypass fee’s by using paypal bill pay
US Bank Cash + 5%
Wyndham Business card give 5x Wyndham points for utilities. Great if you can use those points.
CSR is listed as 10x under travel (through Chase’s portal), but the Venture X isn’t?
reminder to remove Freedom card from best category: Gas (since Q2 is over). 🙂