Best Category Bonuses: Which card to use where?

93
This page contains the best publicly available credit card offers. With some of the offers shown below, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com

Best Category Bonuses Credit Cards

A number of credit cards offer incredible category bonuses.  Citi Prestige offers 5X for dining, airfare, and travel agencies.  Chase Freedom offers 5X in changing categories each quarter.  Amex Gold offers 4X at US restaurants and US supermarkets (up to $25K per year, then 1X).  And these are just a small sample of examples.  Below you’ll find the best card for each type of purchase.  We describe these as the best category bonuses.

Best Card For…

Details

For cards that earn points instead of cash back, I’ve listed the “X” which is the number of points per dollar earned in that category. For example, “5X” means that the card earns 5 points per dollar in the given category.

Within each category, cards are sorted by the value of the rebate in descending order based on my Reasonable Redemption Values (RRVs) or by their fixed redemption value with cash back cards.

It’s worth noting that transferable points are assigned higher Reasonable Redemption Values since they make it possible to cherry pick the best value awards.  In some cases this will be unintuitive, especially when a card is marketed as a cash back card. For example, the Chase Freedom card is advertised as a cash back card where points are worth 1 cent each.  However, if you (or another household member) has a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Plus, etc.), you can move points from the Freedom card to the other card and then transfer those points to airline or hotel programs as needed.

For a list of cards with great earning potential everywhere (not just within bonus categories), please see: Best Rewards for Everyday Spend.

For a list of cards that earn bonuses for high spend, please see: Best Big Spend Bonuses.

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Business Purchases (Biz)

Card Info Name and Earning Rate (no offer)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ✦ Airfare purchased directly from airlines ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ U.S. purchases for shipping ✦ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Gas: 3X (4.65%)
Biz: 3X (4.65%)
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else.
Base: 2X (1.6%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 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: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Gas

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
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (2%)
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.
Base: 1.5X (2.33%)
Gas: 3X (4.65%)
Grocery: 4.5X (6.98%)
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ✦ Airfare purchased directly from airlines ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ U.S. purchases for shipping ✦ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Gas: 3X (4.65%)
Biz: 3X (4.65%)
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 oat grocery stores ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Gas: 3X (4.35%)
Grocery: 2X (2.9%)
Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations ✦ 3X flights, hotels, travel agencies
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
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: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (5%)
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: Earn Verizon Dollars: 4% grocery & gas ✦ 3% dining ✦ 2% Verizon (including monthly wireless bill) ✦ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Earning rate: 4x gas ✦ 4x bars, restaurants, and select food delivery services ✦ 4x on Pelicans tickets ✦ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store
Base: 1%
Dine: 4%
Gas: 4%
Brand: 4%
Other: 4%
Earning rate: ✦ 4% gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Earning rate: ✦ 4% gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 5X (3.4%)
Grocery: 5X (3.4%)
Phone: 5X (3.4%)
Brand: 10X (6.8%)
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else.
Base: 2X (1.6%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
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.
Base: 1X (1.55%)
Gas: 2X (3.1%)
Grocery: 3X (4.65%)
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (3%)
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (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 gaoline 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%
Phone: 3%
Office: 3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Base: 1%
Gas: 3%
Phone: 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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 3% restaurants and gas stations.
Base: 1%
Dine: 3%
Gas: 3%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else
Base: 1%
Gas: 3%
Other: 3%
Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 3%
Earning rate: ✦ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ✦ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply.
Base: 1%
Gas: 3%
Grocery: 3%
Shop: 3%
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 as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
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%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X office supplies ✦ 5X 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 March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: 5x on travel booked through Citi Travel℠ Portal through June 30 2024 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Travel: 5X (7.25%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Earning rate: 2X miles on Korean Air, Gas Stations, Dining
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana.
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: ✦ 7X Hilton spend ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 3X (2.4%)
Gas: 3X (2.4%)
Grocery: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines
Base: 1X (1%)
Travel: 2X (2%)
Dine: 3X (3%)
Gas: 2X (2%)
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else
Base: 1X (1%)
Gas: 2X (2%)
Grocery: 2X (2%)
Brand: 3X (3%)
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
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: 2%
Other: 6%
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations
Base: 1%
Dine: 2%
Gas: 2%
Phone: 3%
Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere
Base: 1%
Travel: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
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%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
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 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%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
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: 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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
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%
Dine: 2%
Gas: 2%
Grocery: 2%
Other: 5%
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 3X (2.64%)
Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Other: 2X (1.76%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
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).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants
Base: 1X (0.63%)
Dine: 2X (1.26%)
Gas: 2X (1.26%)
Grocery: 2X (1.26%)
Brand: 5X (3.15%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for 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
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
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.
Base: 1.5X (2.33%)
Gas: 3X (4.65%)
Grocery: 4.5X (6.98%)
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 ✦ 1X points on other purchases. Terms apply. (Rates & Fees)
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Grocery: 4X (6.2%)
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 as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
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%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year.
Base: 1%
Grocery: 5%
Other: 5%
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 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%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Earning rate: ✦ Up to 5% Cash Back as a statement credit at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ✦ Up to 1% Cash Back as a statement credit on other purchases. ✦ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ✦ Terms Apply.
Base: 1%
Grocery: 5%
Other: 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.
Base: 1X (1.55%)
Gas: 2X (3.1%)
Grocery: 3X (4.65%)
Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations ✦ 3X flights, hotels, travel agencies
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
Earning rate: Earn Verizon Dollars: 4% grocery & gas ✦ 3% dining ✦ 2% Verizon (including monthly wireless bill) ✦ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
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
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
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
Base: 1.2X (1.86%)
Grocery: 2.4X (3.72%)
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 5X (3.4%)
Grocery: 5X (3.4%)
Phone: 5X (3.4%)
Brand: 10X (6.8%)
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases
Base: 1X (1.55%)
Grocery: 2X (3.1%)
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (2%)
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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 5x Cavs season tickets and streaming services ✦ 3x other Cavs tickets, dining, grocery, and delivery ✦ 1x everywhere else
Base: 1%
Dine: 3%
Grocery: 3%
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%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
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%
Travel: 5%
Dine: 4%
Grocery: 3%
Other: 4%
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%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Earning rate: ✦ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ✦ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply.
Base: 1%
Gas: 3%
Grocery: 3%
Shop: 3%
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 oat grocery stores ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Gas: 3X (4.35%)
Grocery: 2X (2.9%)
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: 5x on travel booked through Citi Travel℠ Portal through June 30 2024 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Travel: 5X (7.25%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else
Base: 1X (1.3%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana.
Base: 1X (1.3%)
Gas: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ✦ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals.
Base: 1.5%
Grocery: 2.5%
Shop: 2.5%
Other: 2.5%
Earning rate: ✦ 7X Hilton spend ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 3X (2.4%)
Gas: 3X (2.4%)
Grocery: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else
Base: 1X (1%)
Gas: 2X (2%)
Grocery: 2X (2%)
Brand: 3X (3%)
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: ✦ 3% dining ✦ 2% grocery stores
Base: 1%
Dine: 3%
Grocery: 2%
Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere
Base: 1%
Travel: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
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%
Dine: 2%
Gas: 2%
Grocery: 2%
Other: 5%
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 3X (2.64%)
Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Other: 2X (1.76%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
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).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants
Base: 1X (0.63%)
Dine: 2X (1.26%)
Gas: 2X (1.26%)
Grocery: 2X (1.26%)
Brand: 5X (3.15%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Office Supply Stores (Office)

Card Info Name and Earning Rate (no offer)
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X office supplies ✦ 5X 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 March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 3%
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
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 gaoline 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%
Phone: 3%
Office: 3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Base: 1%
Gas: 3%
Phone: 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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 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: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.3%)
Office: 1.5X (1.95%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Phone, cellular, internet (Phone)

Card Info Name and Earning Rate (no offer)
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X office supplies ✦ 5X 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 March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 3%
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
Earning rate: 10X at Choice Hotels ✦ 5X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 5X (3.4%)
Grocery: 5X (3.4%)
Phone: 5X (3.4%)
Brand: 10X (6.8%)
Earning rate: 6X Marriott ✦ 4X dining, internet, cable and phone service ✦ 4X gas stations and shipping ✦ 2X everywhere else.
Base: 2X (1.6%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (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 gaoline 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%
Phone: 3%
Office: 3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Base: 1%
Gas: 3%
Phone: 3%
Office: 3%
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations
Base: 1%
Dine: 2%
Gas: 2%
Phone: 3%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 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: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
Earning rate: 5X at Choice Hotels ✦ 3X at gas stations, grocery stores, home improvement stores, and phone plans ✦ 1X everywhere else
Base: 1X (0.68%)
Gas: 3X (2.04%)
Grocery: 3X (2.04%)
Phone: 3X (2.04%)
Brand: 5X (3.4%)
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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
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).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Restaurants / Dining

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
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
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 ✦ 1X points on other purchases. Terms apply. (Rates & Fees)
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Grocery: 4X (6.2%)
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere
Base: 1X (2.56%)
Dine: 2X (5.12%)
Brand: 2X (5.12%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5x rideshare and streaming services ✦ 5x bars and restaurants on match days ✦ 1x everywhere else
Base: 1%
Dine: 5%
Other: 5%
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 3X (4.65%)
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else
Base: 1.5X (2.25%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X Travel booked through Chase (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus
Base: 1X (1.5%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 10X hotels & car rentals booked through Chase ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025)
Base: 1X (1.5%)
Travel: 10X (15%)
Dine: 3X (4.5%)
Other: 10X (15%)
Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations ✦ 3X flights, hotels, travel agencies
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services
Base: 1X (1%)
Dine: 4X (4%)
Gas: 2X (2%)
Grocery: 2X (2%)
Earning rate: 4x Dining, takeout, & delivery ✦ 2x grocery stores, grocery delivery, gas station, and streaming services ✦ 1x everywhere else
Base: 1%
Dine: 4%
Gas: 2%
Grocery: 2%
Earning rate: 4x gas ✦ 4x bars, restaurants, and select food delivery services ✦ 4x on Pelicans tickets ✦ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store
Base: 1%
Dine: 4%
Gas: 4%
Brand: 4%
Other: 4%
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%
Travel: 5%
Dine: 4%
Grocery: 3%
Other: 4%
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
Base: 1X (1.3%)
Dine: 3X (3.9%)
Grocery: 3X (3.9%)
Brand: 3X (3.9%)
Earning rate: 6X Wyndham & gas ✦ 4X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 4X (3.52%)
Gas: 6X (5.28%)
Grocery: 4X (3.52%)
Brand: 6X (5.28%)
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: 2.625X (2.63%)
Travel: 3.5X (3.5%)
Dine: 3.5X (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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
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.
Base: 3X (1.44%)
Travel: 7X (3.36%)
Dine: 7X (3.36%)
Brand: 14X (6.72%)
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases
Base: 2X (1.6%)
Dine: 4X (3.2%)
Grocery: 4X (3.2%)
Brand: 6X (4.8%)
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)
Base: 2X (1.6%)
Dine: 4X (3.2%)
Gas: 4X (3.2%)
Phone: 4X (3.2%)
Biz: 4X (3.2%)
Brand: 6X (4.8%)
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
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
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (3%)
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines
Base: 1X (1%)
Travel: 2X (2%)
Dine: 3X (3%)
Gas: 2X (2%)
Earning rate: 3X travel & dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Earning rate: Earn Verizon Dollars: 4% grocery & gas ✦ 3% dining ✦ 2% Verizon (including monthly wireless bill) ✦ 1% everywhere else
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 4X (4%)
Brand: 2X (2%)
Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined)
Base: 1X (1%)
Dine: 3X (3%)
Gas: 4X (4%)
Grocery: 2X (2%)
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (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 gaoline 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%
Phone: 3%
Office: 3%
Earning rate: ✦ 3% dining ✦ 2% grocery stores
Base: 1%
Dine: 3%
Grocery: 2%
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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 5x on Marlins tickets ✦ 5% back on retail & concessions at IoanDepot Park ✦ 3x on dining, food delivery, gas and drugstores ✦ 1x on everything else
Base: 1%
Dine: 3%
Brand: 5%
Other: 3%
Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ✦ 3x at bars, restaurants, and select delivery services ✦ 1x everywhere else
Base: 1%
Dine: 3%
Brand: 5%
Other: 5%
Earning rate: 5x Cavs season tickets and streaming services ✦ 3x other Cavs tickets, dining, grocery, and delivery ✦ 1x everywhere else
Base: 1%
Dine: 3%
Grocery: 3%
Brand: 5%
Earning rate: ✦ 4% gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Earning rate: ✦ 4% gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Earning rate: 3% restaurants and gas stations.
Base: 1%
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%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: 5X office supplies ✦ 5X 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 March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 2X dining and entertainment
Base: 1X (1.45%)
Dine: 2X (2.9%)
Other: 2X (2.9%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)
Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants
Base: 1X (0.95%)
Dine: 3X (2.85%)
Brand: 5X (4.75%)
Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 3X (3.99%)
Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Office: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else
Base: 1X (1.33%)
Dine: 2X (2.66%)
Grocery: 2X (2.66%)
Brand: 6X (7.98%)
Earning rate: 2X miles on Korean Air, Gas Stations, Dining
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2x on Korean Air, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 4X United ✦ 2X dining & travel
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 4X (5.2%)
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases
Base: 1X (1.3%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets
Base: 1X (1.3%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
Earning rate: ✦ 7X Hilton spend ✦ 5X US restaurants, US Supermarkets, and US gas stations ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 5X (2.4%)
Gas: 5X (2.4%)
Grocery: 5X (2.4%)
Brand: 7X (3.36%)
Earning rate: ✦ 6X Marriott Bonvoy ✦ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ✦ 2X everywhere else
Base: 2X (1.6%)
Dine: 3X (2.4%)
Gas: 3X (2.4%)
Grocery: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else
Base: 1X (1.2%)
Dine: 2X (2.4%)
Grocery: 2X (2.4%)
Brand: 3X (3.6%)
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: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (5%)
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 2X (2%)
Earning rate: 3x Allegiant ✦ 2x dining
Base: 1X (1%)
Dine: 2X (2%)
Brand: 3X (3%)
Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else
Base: 1X (1%)
Travel: 2X (2%)
Dine: 2X (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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations
Base: 1%
Dine: 2%
Gas: 2%
Phone: 3%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
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%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
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 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%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 2%
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: 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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
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%
Dine: 2%
Gas: 2%
Grocery: 2%
Other: 5%
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Earning rate: ✦ 5X Wyndham & gas ✦ 2X restaurants & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Dine: 2X (1.76%)
Gas: 5X (4.4%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else
Base: 1X (1.09%)
Dine: 1.5X (1.64%)
Brand: 2X (2.18%)
Other: 1.5X (1.64%)
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott.
Base: 1X (0.8%)
Travel: 2X (1.6%)
Dine: 2X (1.6%)
Brand: 5X (4%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and grocery stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Grocery: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 3X Hawaiian Airlines ✦ 2x gas, dining, and office supply stores ✦ 1x everywhere else
Base: 1X (0.75%)
Dine: 2X (1.5%)
Gas: 2X (1.5%)
Office: 2X (1.5%)
Brand: 3X (2.25%)
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)
Earning rate: ✦ 5X IHG ✦ 2X gas, grocery, and restaurants
Base: 1X (0.63%)
Dine: 2X (1.26%)
Gas: 2X (1.26%)
Grocery: 2X (1.26%)
Brand: 5X (3.15%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Shopping (Department stores, specialty stores, etc.)

Card Info Name and Earning Rate (no offer)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities).
Base: 1X (1.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: 5% back at at every store at every Simon Mall, Mills, or Premium Outlet in the U.S. Use your card 5 times each statement period to earn Rewards. ✦ 1% back on all other purchases.
Base: 1%
Shop: 5%
Brand: 5%
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 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%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments
Base: 1X (1.5%)
Travel: 3X (4.5%)
Shop: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 3X (4.35%)
Shop: 3X (4.35%)
Brand: 3X (4.35%)
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
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
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%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: ✦ 3% cash back as a statement credit at US supermarkets up to $6,000 per year in purchases (then 1%) ✦ 3% cash back as a statement credit at US gas stations on up to $6,000 per year, then 1%. ✦ 3% cash back as a statement credit on U.S. online retail purchases on up to $6,000 per year, then 1% ✦ 1% cash back as a statement credit on other purchases ✦ Terms apply.
Base: 1%
Gas: 3%
Grocery: 3%
Shop: 3%
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 as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
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%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: ✦ 2 points per $1 on products and services that are purchased directly from AT&T ✦ 2 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 2X (2.9%)
Shop: 2X (2.9%)
Brand: 2X (2.9%)
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: 2X (2%)
Shop: 2.5X (2.5%)
Other: 6X (6%)
Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ✦ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals.
Base: 1.5%
Grocery: 2.5%
Shop: 2.5%
Other: 2.5%
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Earning rate: ✦ 12X Hilton spend ✦ 6X U.S. restaurants, US Supermarkets, and US gas stations ✦ 4X U.S. Online Retail Purchases ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Grocery: 6X (2.88%)
Shop: 4X (1.92%)
Brand: 12X (5.76%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Travel (flights, hotels, car rentals, etc.)

Card Info Name and Earning Rate (no offer)
Earning rate: 10X hotels & car rentals booked through Chase ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025)
Base: 1X (1.5%)
Travel: 10X (15%)
Dine: 3X (4.5%)
Other: 10X (15%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights booked via Capital One travel. ✦ 2X everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights booked via Capital One travel. ✦ 2X miles everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply.
Base: 1X (1.55%)
Travel: 5X (7.75%)
Other: 1.5X (2.33%)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else
Base: 1.5X (2.25%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 5X Travel booked through Chase (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus
Base: 1X (1.5%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 3X (4.5%)
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
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ For a limited time: Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi Travel portal through 12/31/24.
Base: 2X (2.9%)
Travel: 5X (7.25%)
Earning rate: 5x on travel booked through Citi Travel℠ Portal through June 30 2024 (excludes air travel) ✦ 2X at supermarkets and gas stations on up to $6,000 per year ✦ Round up to nearest 10 TY points on all purchases
Base: 1X (1.45%)
Travel: 5X (7.25%)
Gas: 2X (2.9%)
Grocery: 2X (2.9%)
Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel
Base: 1.5X (2.18%)
Travel: 5X (7.25%)
Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotel and rental car
bookings through Capital One Travel
Base: 2X (2.9%)
Travel: 5X (7.25%)
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 1.25X (1.81%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 2X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 2X (2.9%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
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: 2.625X (2.63%)
Travel: 5.25X (5.25%)
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: 2.625X (2.63%)
Travel: 5.25X (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%
Dine: 3.5%
Gas: 5.25%
Phone: 5.25%
Office: 5.25%
Biz: 5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 2%
Travel: 5%
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%
Travel: 5%
Dine: 4%
Grocery: 3%
Other: 4%
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%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Other: 5%
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ✦ Airfare purchased directly from airlines ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ U.S. purchases for shipping ✦ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Gas: 3X (4.65%)
Biz: 3X (4.65%)
Earning rate: Earn 4X in combined eligible purchases in the two categories where your business spends the most each billing cycle (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.
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Gas: 4X (6.2%)
Shop: 4X (6.2%)
Phone: 4X (6.2%)
Biz: 4X (6.2%)
Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 3X (4.65%)
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 ✦ 1X points on other purchases. Terms apply. (Rates & Fees)
Base: 1X (1.55%)
Travel: 3X (4.65%)
Dine: 4X (6.2%)
Grocery: 4X (6.2%)
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments
Base: 1X (1.5%)
Travel: 3X (4.5%)
Shop: 3X (4.5%)
Other: 5X (7.5%)
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: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 2X (3%)
Office: 2X (3%)
Biz: 2X (3%)
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Base: 1X (1.5%)
Travel: 3X (4.5%)
Gas: 2X (3%)
Grocery: 2X (3%)
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: ✦ 3 points per $1 on products and services that are purchased directly from AT&T ✦ 3 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 3X (4.35%)
Shop: 3X (4.35%)
Brand: 3X (4.35%)
Earning rate: 3X grocery ✦ 3X dining ✦ 3X gas stations ✦ 3X flights, hotels, travel agencies
Base: 1X (1.45%)
Travel: 3X (4.35%)
Dine: 3X (4.35%)
Gas: 3X (4.35%)
Grocery: 3X (4.35%)
Earning rate: 4X Southwest ✦ 3X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 2X social media and search engine advertising, internet, cable, and phone services ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 3X (4.2%)
Phone: 2X (2.8%)
Biz: 2X (2.8%)
Brand: 4X (5.6%)
Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt
Base: 1X (2.1%)
Travel: 2X (4.2%)
Dine: 2X (4.2%)
Brand: 4X (8.4%)
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: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (5%)
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: 3X Delta ✦ 3X purchases made directly with hotels ✦ 2X restaurants ✦ 2X US Supermarkets
Base: 1X (1.3%)
Travel: 3X (3.9%)
Dine: 2X (2.6%)
Grocery: 2X (2.6%)
Brand: 3X (3.9%)
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)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
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: 2.625X (2.63%)
Travel: 3.5X (3.5%)
Dine: 3.5X (3.5%)
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.
Base: 1.5X (1.28%)
Travel: 4X (3.4%)
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.
Base: 3X (1.44%)
Travel: 7X (3.36%)
Dine: 7X (3.36%)
Brand: 14X (6.72%)
Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else
Base: 1X (1.11%)
Travel: 3X (3.33%)
Dine: 3X (3.33%)
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
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Office: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: 10X IHG ✦ 5X travel, dining, and gas stations ✦ 3X on all other purchases
Base: 3X (1.89%)
Travel: 5X (3.15%)
Dine: 5X (3.15%)
Gas: 5X (3.15%)
Brand: 10X (6.3%)
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
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
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 2X (3.1%)
Shop: 2X (3.1%)
Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply.
Base: 1X (1.55%)
Travel: 2X (3.1%)
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (3%)
Earning rate: 3X travel & dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining
Base: 1X (1%)
Travel: 3X (3%)
Dine: 2X (2%)
Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (3%)
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Base: 1.5X (1.5%)
Travel: 3X (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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: ✦ 4% gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Brand: 2%
Earning rate: ✦ 4% gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 3%
Gas: 4%
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 2%
Earning rate: 2% on dining plus 3% 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% thereafter) and 1% everywhere else.
Base: 1%
Travel: 3%
Dine: 2%
Gas: 3%
Phone: 3%
Office: 3%
Biz: 3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else
Base: 1%
Travel: 3%
Dine: 2%
Earning rate: ✦ 5% US office supply stores and US wireless phone services ✦ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ✦ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Base: 1%
Travel: 3%
Gas: 3%
Phone: 5%
Office: 5%
Biz: 3%
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 as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
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%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: ✦ 2 points per $1 on products and services that are purchased directly from AT&T ✦ 2 points per $1 on all purchases at online retail and travel sites ✦ 1 point per $1 on all other purchases
Base: 1X (1.45%)
Travel: 2X (2.9%)
Shop: 2X (2.9%)
Brand: 2X (2.9%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X local transit and rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases.
Base: 1X (1.4%)
Travel: 2X (2.8%)
Brand: 3X (4.2%)
Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest
Base: 1X (1.4%)
Travel: 2X (2.8%)
Phone: 2X (2.8%)
Brand: 2X (2.8%)
Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 2x on Korean Air, Hotels and Dining
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 2X AA ✦ 2X certain telecommunications merchants ✦ 2X car rental merchants ✦ 2X gas
Base: 1X (1.3%)
Travel: 2X (2.6%)
Gas: 2X (2.6%)
Phone: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 2X (2.6%)
Earning rate: ✦ 4X United ✦ 2X dining & travel
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 4X (5.2%)
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Phone: 2X (2.6%)
Office: 2X (2.6%)
Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else
Base: 1X (1.3%)
Travel: 2X (2.6%)
Brand: 3X (3.9%)
Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases
Base: 2X (1.6%)
Travel: 3X (2.4%)
Dine: 3X (2.4%)
Brand: 6X (4.8%)
Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else
Base: 1X (1.2%)
Travel: 2X (2.4%)
Brand: 3X (3.6%)
Other: 2X (2.4%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere
Base: 1X (1.09%)
Travel: 2X (2.18%)
Brand: 3X (3.27%)
Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines
Base: 1X (1%)
Travel: 2X (2%)
Dine: 3X (3%)
Gas: 2X (2%)
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
Base: 1X (1%)
Travel: 2X (2%)
Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel
Base: 1X (1%)
Travel: 2X (2%)
Brand: 3X (3%)
Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else
Base: 1X (1%)
Travel: 2X (2%)
Dine: 2X (2%)
Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere
Base: 1%
Travel: 2%
Gas: 2%
Grocery: 2%
Brand: 2%
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else
Base: 1.5%
Travel: 2%
Dine: 2%
Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X travel ✦ 1X everywhere else
Base: 1X (0.8%)
Travel: 2X (1.6%)
Brand: 3X (2.4%)
Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott.
Base: 1X (0.8%)
Travel: 2X (1.6%)
Dine: 2X (1.6%)
Brand: 5X (4%)
Earning rate: 2X airfare, car rental and dining ✦ 3X Sonesta
Base: 1X (0.75%)
Travel: 2X (1.5%)
Brand: 3X (2.25%)
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).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Best Card for Miscellaneous Purchases (Other)

Card Info Name and Earning Rate (no offer)
Earning rate: 10X hotels & car rentals booked through Chase ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 10X Lyft (through March 2025)
Base: 1X (1.5%)
Travel: 10X (15%)
Dine: 3X (4.5%)
Other: 10X (15%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights booked via Capital One travel. ✦ 2X everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights booked via Capital One travel. ✦ 2X miles everywhere else.
Base: 2X (2.9%)
Travel: 10X (14.5%)
Other: 10X (14.5%)
Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else
Base: 1X (1.3%)
Brand: 4X (5.2%)
Other: 10X (13%)
Earning rate: 8x Rideshare ✦ 5x Brex Travel ✦ 4x Restaurants ✦ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ✦ 1x everywhere else
Base: 1X (1.4%)
Travel: 5X (7%)
Dine: 4X (5.6%)
Biz: 3X (4.2%)
Other: 8X (11.2%)
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments
Base: 1X (1.5%)
Travel: 3X (4.5%)
Shop: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: ✦ 5X office supplies, 5X cellular/landline/cable ✦ 2X gas and hotels ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ✦ 5X Lyft through March 2025
Base: 1X (1.5%)
Travel: 3X (4.5%)
Phone: 3X (4.5%)
Biz: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 5X office supplies ✦ 5X 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 March 2025
Base: 1X (1.5%)
Dine: 2X (3%)
Gas: 2X (3%)
Phone: 5X (7.5%)
Office: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 1.5X on all purchases ✦ 5X Lyft through through March 2025
Base: 1.5X (2.25%)
Other: 5X (7.5%)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 1.5X everywhere else
Base: 1.5X (2.25%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 5X (7.5%)
Earning rate: 5x travel booked through Chase ✦ 5X Lyft through March 2025 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities)
Base: 1X (1.5%)
Dine: 3X (4.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter (Q4 2023: PayPal, wholesale clubs, and select charities).
Base: 1X (1.5%)
Shop: 5X (7.5%)
Other: 5X (7.5%)
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
Base: 1X (1.45%)
Travel: 5X (7.25%)
Dine: 5X (7.25%)
Gas: 5X (7.25%)
Grocery: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 1.25X (1.81%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
Earning rate: 2X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel
Base: 2X (2.9%)
Travel: 5X (7.25%)
Other: 5X (7.25%)
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: 2X (2%)
Shop: 2.5X (2.5%)
Other: 6X (6%)
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: 2%
Other: 6%
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 as a statement credit US gas stations ✦ 1% cash back as a statement credit on other purchases ✦ $7 monthly statement credit on Disney Bundle subcription of $12.99 or more. Enrollment required. ✦ Terms apply.
Base: 1%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
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%
Travel: 3%
Gas: 3%
Grocery: 6%
Shop: 3%
Other: 6%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Base: 1.75%
Travel: 5.25%
Dine: 5.25%
Gas: 5.25%
Grocery: 3.5%
Shop: 5.25%
Other: 5.25%
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: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Other: 5X (5%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q4 2023: Amazon.com and Target)
Base: 1X (1%)
Dine: 5X (5%)
Shop: 5X (5%)
Other: 5X (5%)
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%
Travel: 5%
Dine: 2%
Gas: 2%
Grocery: 2%
Shop: 5%
Phone: 5%
Other: 5%
Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ✦ 3x at bars, restaurants, and select delivery services ✦ 1x everywhere else
Base: 1%
Dine: 3%
Brand: 5%
Other: 5%
Earning rate: 5x rideshare and streaming services ✦ 5x bars and restaurants on match days ✦ 1x everywhere else
Base: 1%
Dine: 5%
Other: 5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year.
Base: 1%
Grocery: 5%
Other: 5%
Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Ultimate Rewards ✦ 2% cash back on all other spend
Base: 2%
Other: 5%
Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel
Base: 1.5%
Travel: 5%
Other: 5%
Earning rate: ✦ Up to 5% Cash Back as a statement credit at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ✦ Up to 1% Cash Back as a statement credit on other purchases. ✦ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ✦ Terms Apply.
Base: 1%
Grocery: 5%
Other: 5%
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%
Dine: 2%
Gas: 2%
Grocery: 2%
Other: 5%
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ✦ 3x Lyft ✦ 2x Travel ✦ 1x rent (one payment per month, up to 100,000 points per year) ✦ 1x on other purchases
Base: 1X (1.55%)
Travel: 2X (3.1%)
Dine: 3X (4.65%)
Other: 3X (4.65%)
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Base: 1X (1.5%)
Travel: 3X (4.5%)
Dine: 3X (4.5%)
Gas: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 5X Travel booked through Chase (2X all other travel) ✦ 3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 5X Lyft (through March 2025) ✦ 10% annual point bonus
Base: 1X (1.5%)
Travel: 5X (7.5%)
Dine: 3X (4.5%)
Other: 3X (4.5%)
Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
Earning rate: 3x travel ✦ office supply ✦ professional services
Base: 1X (1.45%)
Other: 3X (4.35%)
Earning rate: 4x gas ✦ 4x bars, restaurants, and select food delivery services ✦ 4x on Pelicans tickets ✦ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store
Base: 1%
Dine: 4%
Gas: 4%
Brand: 4%
Other: 4%
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%
Travel: 5%
Dine: 4%
Grocery: 3%
Other: 4%
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Base: 1X (1%)
Travel: 3X (3%)
Dine: 3X (3%)
Gas: 3X (3%)
Phone: 3X (3%)
Other: 3X (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%
Dine: 3%
Gas: 3%
Grocery: 3%
Shop: 3%
Office: 3%
Biz: 3%
Other: 3%
Earning rate: 5x on Marlins tickets ✦ 5% back on retail & concessions at IoanDepot Park ✦ 3x on dining, food delivery, gas and drugstores ✦ 1x on everything else
Base: 1%
Dine: 3%
Brand: 5%
Other: 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%
Travel: 5%
Dine: 3%
Grocery: 3%
Other: 3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Base: 1%
Travel: 3%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Other: 3%
Earning rate: 3% back on your choice of the following: gas and EV chargng, 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%
Dine: 3%
Gas: 3%
Grocery: 2%
Shop: 3%
Phone: 3%
Other: 3%
Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else
Base: 1%
Gas: 3%
Other: 3%
Earning rate: 2X dining and entertainment
Base: 1X (1.45%)
Dine: 2X (2.9%)
Other: 2X (2.9%)
Earning rate: ✦ 12X Hilton spend ✦ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ✦ 3X on all other eligible purchases
Base: 3X (1.44%)
Travel: 6X (2.88%)
Dine: 6X (2.88%)
Gas: 6X (2.88%)
Phone: 6X (2.88%)
Biz: 6X (2.88%)
Brand: 12X (5.76%)
Other: 6X (2.88%)
Earning rate: 2X United ✦ 2X gas stations ✦ 2X local transit and commuting
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 3X United ✦ 2X restaurants including eligible delivery services ✦ 2X on all other travel ✦ 2X select streaming
Base: 1X (1.3%)
Travel: 2X (2.6%)
Dine: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere
Base: 1X (1.3%)
Gas: 2X (2.6%)
Brand: 3X (3.9%)
Other: 2X (2.6%)
Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year starting 1/1/24)
Base: 1X (1.3%)
Brand: 2X (2.6%)
Other: 2X (2.6%)
Earning rate: 5x Gas and EV Charging ✦ 3X supermarkets, restaurants, and TV, radio, cable, streaming services ✦ 1X everywhere else.
Base: 1.5X (1.28%)
Dine: 3X (2.55%)
Gas: 5X (4.25%)
Grocery: 3X (2.55%)
Other: 3X (2.55%)
Earning rate: 2.5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ✦ 1.5% everywhere else. Earn double (5% or 3%) each week when you meet fitness goals.
Base: 1.5%
Grocery: 2.5%
Shop: 2.5%
Other: 2.5%
Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else
Base: 1X (1.2%)
Travel: 2X (2.4%)
Brand: 3X (3.6%)
Other: 2X (2.4%)
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply.
Base: 1X (1.55%)
Travel: 5X (7.75%)
Other: 1.5X (2.33%)
Earning rate: 4X travel and gas stations ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Base: 1X (1%)
Travel: 4X (4%)
Dine: 2X (2%)
Gas: 4X (4%)
Grocery: 2X (2%)
Other: 2X (2%)
Earning rate: 5X gas ✦ 3X grocery and dining ✦ 2X Sears and KMart
Base: 1X (1%)
Dine: 3X (3%)
Gas: 5X (5%)
Grocery: 3X (3%)
Other: 2X (2%)
Earning rate: 2x on top two categories where you spend the most each month.
Base: 1%
Other: 2%
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%
Grocery: 3%
Shop: 3%
Brand: 3%
Other: 2%
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 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%
Grocery: 5%
Shop: 5%
Brand: 5%
Other: 2%
Earning rate: 3% travel & AAA ✦ 2% gas, grocery store, wholesale club and drugstore purchases ✦ 1% back everywhere else
Base: 1%
Travel: 3%
Gas: 2%
Grocery: 2%
Shop: 2%
Brand: 3%
Other: 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 ✦ 1% back on all other purchases
Base: 1%
Dine: 2%
Gas: 2%
Grocery: 5%
Shop: 5%
Phone: 2%
Brand: 5%
Other: 2%
Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases
Base: 1X (1.3%)
Office: 1.5X (1.95%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
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)
Base: 1X (1.3%)
Travel: 3X (3.9%)
Brand: 3X (3.9%)
Other: 1.5X (1.95%)
Earning rate: ✦ 5X IHG ✦ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ✦ 2X everywhere else
Base: 2X (1.26%)
Dine: 3X (1.89%)
Gas: 3X (1.89%)
Phone: 3X (1.89%)
Brand: 5X (3.15%)
Other: 3X (1.89%)
Earning rate: 1.8% back everywhere
Base: 1.8%
Dine: 1.8%
Gas: 1.8%
Other: 1.8%
Earning rate: ✦ 5X Wyndham ✦ 2X gas, utility, & grocery ✦ 1X everywhere else
Base: 1X (0.88%)
Gas: 2X (1.76%)
Grocery: 2X (1.76%)
Brand: 5X (4.4%)
Other: 2X (1.76%)
Earning rate: ✦ 2X Cathay Pacific ✦ 1.5X dining ✦ 1.5X purchases outside of the US ✦ 1X everywhere else
Base: 1X (1.09%)
Dine: 1.5X (1.64%)
Brand: 2X (2.18%)
Other: 1.5X (1.64%)
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).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Grocery: 2X (1.42%)
Phone: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: ✦ 2X cell phone ✦ 2X charity ✦ 2X gas, office supply, or airline purchases (whichever is most each month).
Base: 1X (0.71%)
Travel: 2X (1.42%)
Gas: 2X (1.42%)
Phone: 2X (1.42%)
Office: 2X (1.42%)
Other: 2X (1.42%)
Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment
Base: 1X (0.71%)
Dine: 2X (1.42%)
Brand: 4X (2.84%)
Other: 2X (1.42%)

Jump to –> Business, Gas, Grocery, Office, Phone, Restaurants, Shopping, Travel, Misc

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Subscribe
Notify of
guest

This site uses Akismet to reduce spam. Learn how your comment data is processed.

93 Comments
newest
oldest
Inline Feedbacks
View all comments