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
A number of credit cards offer incredible category bonuses. For examples, the Chase Freedom Flex offers 5X in changing categories each quarter in addition to 3x at restaurants and drugstores. The American Express Gold card offers 4X at restaurants and 4x at US supermarkets (up to $25K per year).
These are just a couple examples, there’s additional opporunities to earn more rewards when shopping office supply stores, gas stations or when paying for phone and cable bills.
In this post, you’ll find lists of the best card for each type of purchase…or what we refer to as the best category bonuses.
Overview
For cards that earn points instead of cash back, we’ve listed the “X” which refers to the number of points per dollar that are earned in that category, so “5X” means that the card earns 5 points per dollar.
Within each category, cards are sorted by the value of the return in descending order based on our Reasonable Redemption Values (RRVs) for points and miles-earning cards, or by their fixed redemption value with cash back cards.
It’s worth noting that transferable points are almost always assigned higher redemption Values since their flexibility makes it possible to cherry pick the best value awards. In some cases this will be unintuitive, especially when a card is marketed as a cash back card.
For example, the Chase Freedom Flex card is advertised as a cash back card where points are worth 1 cent each. However the card actually earns Chase Ultimate Rewards points. If you only have the Freedom Flex, those points are worth 1 cent each, but if you (or another household member) has a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, etc.), you can move points from the Freedom Flex card to the premium card and then transfer those points to airline or hotel programs as needed.
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.
Best Credit Cards for Business Purchases
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) | Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) | |
| $0 | 9990000 | Brex Cash | Other | Business | Base: 1X (1.4%) | ||
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | 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) |
| $99 | 9989901 | Marriott Bonvoy Premier Plus Business | $0 | Chase | Business | Base: 2X (1.52%) | |
| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% | Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Travel: 3% Phone: 2% Office: 2% Biz: 2% |
| $199 | 9990751 | Southwest® Rapid Rewards® Performance Business Credit Card | $5,000 | Chase | Business | Base: 1X (1.3%) | 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. |
Best Credit Cards for Gas Purchases
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) | Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
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| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) | |
| $0 | 9989968 | Costco Anywhere Visa | $1,500 | Citi | Consumer | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% |
| $0 | 9990000 | Costco Anywhere Business Visa | $0 | Citi | Business | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% Brand: 2% |
| $95 | 9989905 | The Amex EveryDay Preferred Card (with 30 purchases per billing cycle) | Amex | Consumer | Base: 1.5X (2.33%) | 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. |
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| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $0 | 9990284 | AT&T Points Plus Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $0 | 9990000 | PNC Cash Rewards® Visa® Credit Card | Other | Consumer | Base: 1X (1%) | Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
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| $0 | 9990119 | Verizon Visa Card | $1,500 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% | Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% |
| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $99 | 9990732 | IHG One Rewards Premier Credit Card | $3,000 | Chase | Consumer | Base: 3X (1.86%) | |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) | 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 |
| $95 | 9990122 | The Amex EveryDay® Preferred Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | 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. |
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | 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) |
| $99 | 9989901 | Marriott Bonvoy Premier Plus Business | $0 | Chase | Business | Base: 2X (1.52%) | |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $0 | 9990158 | Blue Cash Everyday® Card from American Express | $2,000 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $0 | 9990179 | AARP® Essential Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% Other: 3% |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990090 | AARP Credit Card from Chase | $500 | Chase | Consumer | Base: 1% | |
| $0 | 9990000 | Getaway by FNBO® Credit Card | Other | Consumer | Base: 1% | Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 3% |
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| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% | Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
| $95 | 9990218 | U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | $2,000 | USB | Consumer | Base: 1.5% | 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: 3% Other: 6% |
| $0 | 9990000 | U.S. Bank Business Cash Rewards World Elite Mastercard | USB | Business | Base: 1% | Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% |
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| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% | Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% |
| $99 | 9990587 | The Hawaiian Airlines® Business MasterCard® issued by Barclays | $4,000 | Barclays | Business | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® World Elite MasterCard® issued by Barclays | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $95 | 9991132 | Alaska Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
| $95 | 9991116 | Alaska Airlines Visa Business Card | $4,000 | Other | Business | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $0 | 9990000 | Citi Rewards+® Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 5x on travel booked through Citi Travel℠ Portal through December 31, 2025 (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 |
| $0 | 9990000 | Citi Rewards+ Student Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
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| $495 | 9989730 | UBS Visa Infinite | $0 | Other | Consumer | Base: 1% | Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Base: 1% Travel: 3% Gas: 2% Grocery: 2% |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | 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 |
| $99 | 9990658 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $2,500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) | |
| $0 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) | |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) | |
| $99 | 9989847 | Asiana Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
| $0 | 9990372 | The New United Gateway(SM) Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X on United Hotels ✦ 2X gas stations ✦ 2X local transit and commuting |
| $95 | 9990465 | Korean Air SKYPASS Business Visa issued by US Bank | $5,000 | USB | Business | Base: 1X (1.3%) | Earning rate: 2X miles on Korean Air, Gas Stations, Dining |
| $89 | 9990343 | Best Western Rewards® Premium Visa Signature® Card | $3,000 | Other | Consumer | Base: 2X (1.22%) | Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | |
| $95 | 9991102 | Marriott Bonvoy Boundless® Credit Card | $6,000 | Chase | Consumer | Base: 2X (1.52%) | |
| $75 | 9989925 | Wyndham Rewards Visa issued by Barclays | Barclays | Consumer | Base: 1X (1.01%) | ||
| $0 | 9990000 | Wyndham Rewards Visa issued by Barclays (no annual fee) | Barclays | Consumer | Base: 1X (1.01%) | Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else |
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| $0 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $0 | 9990000 | Mesa Homeowners Card | Other | Consumer | Base: 1X (1%) | Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card ✦ 1x everywhere else |
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| $0 | 9990079 | MGM Rewards World Elite Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: ✦ 3X MGM ✦ 2X gas stations and grocery stores ✦ 1X elsewhere |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990119 | MGM Rewards Mastercard | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
| $69 | 9990150 | Sun Country Airlines® Visa Signature® Card | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere |
| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990190 | Priceline VIP Rewards™ Visa® Card | $500 | Barclays | Consumer | Base: 1% | Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
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| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | Base: 1% | Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% |
| $0 | 9990000 | Instacart Mastercard® | Chase | Consumer | Base: 1% | Earning rate: ✦ 5% back on instacart orders and on travel purchased through Chase Travel ✦ 2% back at gas stationes, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Dine: 2% Gas: 2% Brand: 5% |
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| $0 | 9990337 | First Tech Choice Rewards World Mastercard® | $3,000 | Other | Consumer | Base: 1% | Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% |
| $0 | 9990129 | NBT Bank Everyday Rewards+ Card | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990540 | TD Business Solutions Visa | $10,000 | Other | Business | Base: 1% | Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% |
| $85 | 9989873 | U.S. Bank FlexPerks® Gold American Express® card | $2,000 | USB | Consumer | Base: 1% | Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Travel: 2% Dine: 3% Gas: 2% |
| $0 | 9990179 | U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 2% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $0 | 9990000 | Citizens Bank Cash Back Plus® World Mastercard® | $0 | Other | Consumer | Base: 1.8% | Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) Base: 1.8% Dine: 1.8% Gas: 1.8% Other: 1.8% |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) | ||
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | 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). |
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| $49 | 9989926 | Chase IHG® Rewards Club Select Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.62%) |
Best Credit Cards for Grocery Stores
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $95 | 9989905 | The Amex EveryDay Preferred Card (with 30 purchases per billing cycle) | Amex | Consumer | Base: 1.5X (2.33%) | 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. |
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| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $0 | 9990000 | “Old” Blue Cash Card from American Express | $10 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
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| $0 | 9990000 | Citi Dividend Platinum Select | Citi | Consumer | Base: 1% | Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% |
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| $0 | 9990100 | Discover it® | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Grocery: 5% Shop: 5% Other: 5% |
| $95 | 9990122 | The Amex EveryDay® Preferred Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | 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. |
| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $95 | 9990694 | The Aeroplan® Card | $3,000 | Chase | Consumer | Base: 1X (1.4%) | 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 |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $0 | 9990119 | Verizon Visa Card | $1,500 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990000 | The Amex EveryDay Card (with 20 purchases per billing cycle) | Amex | Consumer | Base: 1.2X (1.86%) | 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 |
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| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $0 | 9990140 | The Amex EveryDay® Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ✦ 1x on other purchases |
| $250 | 9990849 | Marriott Bonvoy Bevy® American Express® Card | $5,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases |
| $250 | 9990333 | Marriott Bonvoy Bountiful™ Card | $4,000 | Chase | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) | |
| $0 | 9990158 | Blue Cash Everyday® Card from American Express | $2,000 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990190 | Capital One Savor Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Capital One SavorOne Cash Rewards Credit Card | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
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| $95 | 9990000 | Capital One Savor | $0 | CapOne | Consumer | Base: 1% | 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% Dine: 4% Grocery: 3% Other: 4% |
| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Bread Rewards™ American Express® Credit Card | $0 | Other | Consumer | Base: 1% | Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% | Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
| $99 | 9990769 | The Hawaiian Airlines® World Elite MasterCard® issued by Barclays | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Citi Rewards+® Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 5x on travel booked through Citi Travel℠ Portal through December 31, 2025 (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 |
| $0 | 9990000 | Citi Rewards+ Student Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
|
| $0 | 9990284 | AT&T Points Plus Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: ✦ 3 points per $1 at gas stations ✦ 2 points per $1 at grocery stores ✦ 1 point per $1 on all other purchases |
| $495 | 9989730 | UBS Visa Infinite | $0 | Other | Consumer | Base: 1% | Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Base: 1% Travel: 3% Gas: 2% Grocery: 2% |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | 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 |
| $0 | 9990202 | American Airlines AAdvantage® MileUp® Card | $500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else |
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) | |
| $0 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) | |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) | |
| $499 | 9990321 | Barclays JetBlue Premier Mastercard | $5,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue & Paisley ✦ 1X everywhere else |
| $99 | 9990793 | Barclays JetBlue Plus Mastercard | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
| $0 | 9990112 | JetBlue Card | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
| $99 | 9989847 | Asiana Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. |
| $99 | 9990367 | avianca lifemiles American Express® Card | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $60 | 9989940 | Paceline Credit Card | Other | Consumer | Base: 1.5% | 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% |
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| $89 | 9990343 | Best Western Rewards® Premium Visa Signature® Card | $3,000 | Other | Consumer | Base: 2X (1.22%) | Earning rate: 10X Best Western ✦ 4X gas and grocery ✦ 2X everywhere else |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | |
| $79 | 9990631 | Free Spirit Travel More Mastercard | $1,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
| $99 | 9990324 | Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card | $3,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
| $350 | 9990357 | Delta SkyMiles® Platinum American Express Card | $3,000 | Amex | Consumer | Base: 1X (1.15%) | |
| $150 | 9990586 | Delta SkyMiles® Gold American Express Card | $2,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets |
| $95 | 9991102 | Marriott Bonvoy Boundless® Credit Card | $6,000 | Chase | Consumer | Base: 2X (1.52%) | |
| $75 | 9989925 | Wyndham Rewards Visa issued by Barclays | Barclays | Consumer | Base: 1X (1.01%) | ||
| $0 | 9990000 | Wyndham Rewards Visa issued by Barclays (no annual fee) | Barclays | Consumer | Base: 1X (1.01%) | Earning rate: ✦ 3X Wyndham ✦ 2X gas, utility & grocery ✦ 1X everywhere else |
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| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $0 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $89 | 9990269 | BREEZE EASY™ VISA® CREDIT CARD | $2,000 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) |
| $0 | 9990000 | Mesa Homeowners Card | Other | Consumer | Base: 1X (1%) | Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card ✦ 1x everywhere else |
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| $0 | 9990079 | MGM Rewards World Elite Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: ✦ 3X MGM ✦ 2X gas stations and grocery stores ✦ 1X elsewhere |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990119 | MGM Rewards Mastercard | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X MGM ✦ 2X Gas and Grocery ✦ 1X everywhere else |
| $69 | 9990150 | Sun Country Airlines® Visa Signature® Card | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: 3X on Sun Country purchases ✦ 2X Gas and Grocery ✦ 1X elsewhere |
| $0 | 9990000 | PNC Cash Rewards® Visa® Credit Card | Other | Consumer | Base: 1X (1%) | Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
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| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
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| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | Base: 1% | Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% |
| $0 | 9990000 | DoorDash Rewards Mastercard® | Chase | Consumer | Base: 1% | Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% |
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| $0 | 9990337 | First Tech Choice Rewards World Mastercard® | $3,000 | Other | Consumer | Base: 1% | Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% |
| $0 | 9990129 | NBT Bank Everyday Rewards+ Card | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990179 | U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 2% |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990205 | Marriott Bonvoy Bold Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | 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). |
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| $49 | 9989926 | Chase IHG® Rewards Club Select Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.62%) |
Best Credit Cards for Office Supply Stores
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) | 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 |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $0 | 9990000 | U.S. Bank Business Cash Rewards World Elite Mastercard | USB | Business | Base: 1% | Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% |
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| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% | Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% |
| $99 | 9990587 | The Hawaiian Airlines® Business MasterCard® issued by Barclays | $4,000 | Barclays | Business | Base: 1X (1.5%) | |
| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% | Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Travel: 3% Phone: 2% Office: 2% Biz: 2% |
| $95 | 9989905 | AAdvantage® AviatorTM Business MasterCard® | Barclays | Business | Base: 1X (1.4%) | Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
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| $99 | 9990515 | JetBlue Business Card | $2,000 | Barclays | Business | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
| $650 | 9990200 | Delta SkyMiles® Reserve Business American Express Card | $10,000 | Amex | Business | Base: 1X (1.15%) | Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) |
Best Credit Cards for Phone, Cellular and Internet
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
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| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) | Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) | |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | 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) |
| $99 | 9989901 | Marriott Bonvoy Premier Plus Business | $0 | Chase | Business | Base: 2X (1.52%) | |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990540 | TD Business Solutions Visa | $10,000 | Other | Business | Base: 1% | Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% |
| $0 | 9990000 | U.S. Bank Business Cash Rewards World Elite Mastercard | USB | Business | Base: 1% | Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Gas: 3% Phone: 3% Office: 3% |
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| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% | Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% |
| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% | Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Travel: 3% Phone: 2% Office: 2% Biz: 2% |
| $95 | 9989905 | AAdvantage® AviatorTM Business MasterCard® | Barclays | Business | Base: 1X (1.4%) | Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
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| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) | |
| $69 | 9990758 | Southwest Rapid Rewards® Plus Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest |
| $199 | 9990751 | Southwest® Rapid Rewards® Performance Business Credit Card | $5,000 | Chase | Business | Base: 1X (1.3%) | 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. |
| $149 | 9990483 | Southwest Rapid Rewards® Priority Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | 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. |
| $0 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $0 | 9990205 | Marriott Bonvoy Bold Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 3X Marriott Bonvoy ✦ 2X grocery stores, rideshare, select food delivery, select streaming, and internet, cable and phone services ✦ 1X everywhere else |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) | ||
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). |
Best Credit Cards for Restaurants / Dining
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $495 | 9989505 | Citi Prestige Card | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
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| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $0 | 9990000 | Brex Cash | Other | Business | Base: 1X (1.4%) | ||
| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $0 | 9990302 | Amtrak Guest Rewards Platinum Mastercard | $1,000 | Other | Consumer | Base: 1X (2.56%) | Earning rate: 2X Amtrak ✦ 2X dining ✦ 1X elsewhere |
| $99 | 9990408 | Amtrak Guest Rewards® Preferred Mastercard® | $1,000 | Other | Consumer | Base: 1X (2.56%) | Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere |
| $0 | 9990120 | Discover it® for Students | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Dine: 5% Shop: 5% Other: 5% |
| $150 | 9990424 | American Express® Green Card | $3,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See |
| $0 | 9990000 | Bilt Mastercard | $0 | Wells | Consumer | Base: 1X (1.55%) | 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 |
| $550 | 9990555 | Chase Sapphire Reserve® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 5X Lyft (through September 2027) |
| $95 | 9991360 | Chase Sapphire Preferred® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
| $0 | 9990292 | Chase Freedom Flex | $500 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
| $0 | 9990296 | Chase Freedom Unlimited® | $500 | Chase | Consumer | Base: 1.5X (2.25%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $95 | 9990694 | The Aeroplan® Card | $3,000 | Chase | Consumer | Base: 1X (1.4%) | 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 |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $95 | 9990717 | Wells Fargo Autograph Journey℠ Card | $4,000 | Wells | Consumer | Base: 1X (1.4%) | Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $95 | 9990000 | Capital One Savor | $0 | CapOne | Consumer | Base: 1% | 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% Dine: 4% Grocery: 3% Other: 4% |
| $0 | 9990129 | NBT Bank Everyday Rewards+ Card | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990179 | U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X take out, food delivery ($2k/qtr max starting 4/14/25), and dining ✦ 2X grocery (including meal kit delivery), gas stations, and streaming services Base: 1% Dine: 4% Gas: 2% Grocery: 2% |
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
|
| $95 | 9989905 | Bank of America Premium Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
|
| $550 | 9989450 | Bank of America Premium Rewards Elite (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
|
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $95 | 9990373 | Chase World of Hyatt Credit Card | $3,000 | Chase | Consumer | Base: 1X (1.7%) | Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
| $550 | 9991000 | Hilton Honors American Express Aspire Card | $6,000 | Amex | Consumer | Base: 3X (1.44%) | 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. |
| $400 | 9989915 | CNB Crystal Visa Infinite Credit Card | $0 | Other | Consumer | Base: 1X (1.11%) | Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
| $499 | 9990481 | Qatar Airways Privilege Club Infinite Card | $6,000 | Other | Consumer | Base: 1X (1.1%) | Earning rate: 5x Qatar purchases ✦ 3x dining ✦ 1x everywhere else |
| $99 | 9990732 | IHG One Rewards Premier Credit Card | $3,000 | Chase | Consumer | Base: 3X (1.86%) | |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) | 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 |
| $0 | 9990000 | The Morgan Stanley Credit Card from American Express | Amex | Consumer | Base: 1X (1.55%) | 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 |
|
| $125 | 9990692 | Marriott Bonvoy Business® American Express® Card | $6,000 | Amex | Business | Base: 2X (1.52%) | 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) |
| $250 | 9990849 | Marriott Bonvoy Bevy® American Express® Card | $5,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & U.S. Supermarkets on up to $15K spend per year ✦ 2X on all other eligible purchases |
| $250 | 9990333 | Marriott Bonvoy Bountiful™ Card | $4,000 | Chase | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott.✦ 4X restaurants & grocery on up to $15K spend per year ✦ 2X everywhere else |
| $99 | 9990459 | Frontier Airlines World MasterCard® | $2,000 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants |
| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) | |
| $0 | 9990000 | PNC Cash Rewards® Visa® Credit Card | Other | Consumer | Base: 1X (1%) | Earning rate: 4X gas stations ✦ 3X dining ✦ 2X grocery stores (up to $8,000 spend per cardmember year across all three categories combined) |
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| $0 | 9990119 | Verizon Visa Card | $1,500 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
|
| $0 | 9990190 | Capital One Savor Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Capital One SavorOne Cash Rewards Credit Card | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
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| $0 | 9990000 | DoorDash Rewards Mastercard® | Chase | Consumer | Base: 1% | Earning rate: ✦ 4% back on DoorDash and Caviar orders ✦ 3% back on dining ✦ 2% back at grocery stores ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 2% Brand: 4% |
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| $0 | 9990090 | AARP Credit Card from Chase | $500 | Chase | Consumer | Base: 1% | |
| $0 | 9989968 | Costco Anywhere Visa | $1,500 | Citi | Consumer | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% |
| $0 | 9990000 | Costco Anywhere Business Visa | $0 | Citi | Business | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% Brand: 2% |
| $0 | 9990000 | Bread Rewards™ American Express® Credit Card | $0 | Other | Consumer | Base: 1% | Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Getaway by FNBO® Credit Card | Other | Consumer | Base: 1% | Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 3% |
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| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $89 | 9990187 | TD First Class Visa Signature® Card | $3,000 | Other | Consumer | Base: 1% | |
| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% | Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
| $85 | 9989873 | U.S. Bank FlexPerks® Gold American Express® card | $2,000 | USB | Consumer | Base: 1% | Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Travel: 2% Dine: 3% Gas: 2% |
| $0 | 9990656 | U.S. Bank Business Triple Cash Rewards World Elite™ Visa | $4,500 | USB | Business | Base: 1% | Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ✦ 1% back everywhere else ✦ Note: purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%. Base: 1% Dine: 3% Gas: 3% Phone: 3% Office: 3% |
| $99 | 9990587 | The Hawaiian Airlines® Business MasterCard® issued by Barclays | $4,000 | Barclays | Business | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® World Elite MasterCard® issued by Barclays | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $99 | 9990769 | The Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® | $2,000 | Barclays | Consumer | Base: 1X (1.5%) | |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
| $0 | 9990000 | Citi Preferred Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 2X dining and entertainment |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | 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 |
| $99 | 9990658 | Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | $2,500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X restaurants ✦ 2X gas ✦ 2X AA |
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) | |
| $0 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) | |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) | |
| $499 | 9990321 | Barclays JetBlue Premier Mastercard | $5,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue & Paisley ✦ 1X everywhere else |
| $99 | 9990793 | Barclays JetBlue Plus Mastercard | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X restaurants and grocery ✦ 6X JetBlue ✦ 1X everywhere else |
| $99 | 9990515 | JetBlue Business Card | $2,000 | Barclays | Business | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and office supply stores ✦ 6X JetBlue ✦ 1X everywhere else |
| $0 | 9990112 | JetBlue Card | $1,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X restaurants and grocery ✦ 3X JetBlue ✦ 1X everywhere else✦ |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
| $695 | 9990450 | The New United Club℠ Card | $5,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 5X Renowned Hotels & Resorts for United Cardmembers ✦ 4X United ✦ 2X dining & travel |
| $150 | 9990986 | The New United℠ Explorer Card | $3,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
| $350 | 9990918 | The New United Quest℠ Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | |
| $99 | 9990367 | avianca lifemiles American Express® Card | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 2x Avianca purchases, dining, and grocery ✦ 1x everywhere else |
| $249 | 9990871 | avianca lifemiles American Express® Elite Card | $10,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else |
| $95 | 9990353 | Korean Air SKYPASS Visa issued by US Bank | $4,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 2x on Korean Air, Hotels and Dining |
| $450 | 9990240 | Korean Air SKYPASS Select Visa issued by US Bank | $5,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
| $95 | 9990465 | Korean Air SKYPASS Business Visa issued by US Bank | $5,000 | USB | Business | Base: 1X (1.3%) | Earning rate: 2X miles on Korean Air, Gas Stations, Dining |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | |
| $79 | 9990631 | Free Spirit Travel More Mastercard | $1,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3X Spirit ✦ 2X dining & grocery ✦ 1X everywhere else |
| $99 | 9990324 | Turkish Airlines Miles&Smiles Premier Visa Signature® Credit Card | $3,000 | Other | Consumer | Base: 1X (1.2%) | Earning rate: ✦ 3X Turkish ✦ 2X dining, entertainment, groceries and lodging ✦ 1X everywhere else |
| $350 | 9990357 | Delta SkyMiles® Platinum American Express Card | $3,000 | Amex | Consumer | Base: 1X (1.15%) | |
| $150 | 9990687 | Delta SkyMiles® Gold Business American Express Card | $4,000 | Amex | Business | Base: 1X (1.15%) | Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery |
| $150 | 9990586 | Delta SkyMiles® Gold American Express Card | $2,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 2X Delta ✦ 2x restaurants worldwide ✦ 2x US supermarkets |
| $0 | 9990096 | Delta SkyMiles® Blue American Express Card | $1,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 2X restaurants worldwide ✦ 2X Delta ✦ 1X on all other eligible purchases |
| $650 | 9990931 | Marriott Bonvoy® Brilliant® American Express® Card | $6,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
| $450 | 9989550 | Chase Ritz Carlton Rewards Visa Infinite | Chase | Consumer | Base: 2X (1.52%) | Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
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| $95 | 9991102 | Marriott Bonvoy Boundless® Credit Card | $6,000 | Chase | Consumer | Base: 2X (1.52%) | |
| $99 | 9990601 | Qatar Airways Privilege Club Signature Card | $3,500 | Other | Consumer | Base: 1X (1.1%) | Earning rate: 4x Qatar purchases ✦ 2x dining ✦ 1x everywhere else |
| $99 | 9990263 | Cathay Pacific Visa Signature card | $3,000 | Other | Consumer | Base: 1X (1.1%) | Earning rate: ✦ 3X Cathay Pacific & Hong Kong Express ✦ 2X dining & dining delivery services ✦ 1X everywhere else |
| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $0 | 9990000 | Barclays Arrival™ World MasterCard® | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else |
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| $89 | 9990269 | BREEZE EASY™ VISA® CREDIT CARD | $2,000 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 5X on Breeze Airways Nicer and Nicest Bundles & Trip Add-ons ✦ 2X on Breeze Airlines Nice Bundles ✦ 2X grocery ✦ 2X restaurants ✦ 1X everywhere else (including Breeze flights) |
| $59 | 9990170 | Allegiant World Mastercard® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 3x Allegiant ✦ 2x dining |
| $0 | 9990079 | Caesars Rewards® Visa Signature® Card | $1,000 | Other | Consumer | Base: 1X (1%) | |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990190 | Priceline VIP Rewards™ Visa® Card | $500 | Barclays | Consumer | Base: 1% | Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants. Base: 1% Dine: 2% Gas: 2% Brand: 5% |
| $0 | 9990179 | AARP® Travel Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $95 | 9990531 | Bank of America Premium Rewards | $4,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $550 | 9990450 | Bank of America Premium Rewards Elite | $5,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
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| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
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| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | Base: 1% | Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% |
| $0 | 9990000 | Instacart Mastercard® | Chase | Consumer | Base: 1% | Earning rate: ✦ 5% back on instacart orders and on travel purchased through Chase Travel ✦ 2% back at gas stationes, restaurants and select streaming services ✦ 1% everywhere else Base: 1% Dine: 2% Gas: 2% Brand: 5% |
|
| $395 | 9990121 | HSBC Premier World Elite Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% | Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990540 | TD Business Solutions Visa | $10,000 | Other | Business | Base: 1% | Earning rate: 3% phone, internet and cable services ✦ 2% dining and gas stations Base: 1% Dine: 2% Gas: 2% Phone: 3% |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% | Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $99 | 9990079 | LATAM Airlines World Elite Mastercard | $2,500 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 4x LATAM ✦ 3x dining, rideshare and public transit ✦ 1x everywhere else |
| $0 | 9990000 | Citizens Bank Cash Back Plus® World Mastercard® | $0 | Other | Consumer | Base: 1.8% | Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) Base: 1.8% Dine: 1.8% Gas: 1.8% Other: 1.8% |
| $85 | 9989915 | Chase Marriott Bonvoy Premier | $0 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
| $95 | 9989857 | Citi® Expedia®+ Voyager Card | $2,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment |
| $49 | 9989926 | Chase IHG® Rewards Club Select Credit Card | $1,000 | Chase | Consumer | Base: 1X (0.62%) | |
| $0 | 9990065 | LATAM Airlines Mastercard | $1,000 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 3x LATAM ✦ 2x dining, rideshare and public transit ✦ 1x everywhere else |
Best Credit Cards for Shopping (Department stores, specialty stores, etc.)
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $0 | 9990000 | Chase Freedom Visa | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Lyft through September 2027; 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
|
| $0 | 9990292 | Chase Freedom Flex | $500 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
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| $0 | 9990100 | Discover it® | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Grocery: 5% Shop: 5% Other: 5% |
| $0 | 9990120 | Discover it® for Students | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Dine: 5% Shop: 5% Other: 5% |
| $0 | 9990000 | Simon® American Express® Credit Card from Cardless | $0 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $95 | 9989905 | AT&T Access More Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
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| $400 | 9989600 | U.S. Bank Altitude Reserve Visa Infinite Card | USB | Consumer | Base: 1X (1.5%) | Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments |
|
| $0 | 9990000 | The Morgan Stanley Credit Card from American Express | Amex | Consumer | Base: 1X (1.55%) | 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 |
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| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $0 | 9990158 | Blue Cash Everyday® Card from American Express | $2,000 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
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| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $0 | 9989984 | AT&T Access Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $60 | 9989940 | Paceline Credit Card | Other | Consumer | Base: 1.5% | 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% |
|
| $195 | 9990445 | U.S. Bank Business Altitude Power World Elite Mastercard | $10,000 | USB | Business | Base: 2% | Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Shop: 2.5% Other: 6% |
| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $150 | 9990574 | Hilton Honors American Express Surpass® Card | $3,000 | Amex | Consumer | Base: 3X (1.44%) | 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 |
Best Credit Cards for Travel (flights, hotels, car rentals, etc.)
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $695 | 9991096 | The Platinum Card® from American Express | $8,000 | Amex | Consumer | Base: 1X (1.55%) | 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 |
| $695 | 9990786 | The Platinum Card® from American Express Exclusively for Morgan Stanley | $8,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel |
| $695 | 9990786 | The Platinum Card® from American Express for Schwab | $8,000 | Amex | Consumer | Base: 1X (1.55%) | 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 |
| $495 | 9989505 | Citi Prestige Card | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 5X airfare, dining, and travel agencies ✦ 3X hotels and cruise line ✦ 1X everywhere else |
|
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $0 | 9990000 | Business Advantage Customized Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else. Base: 2.625% Travel: 5.25% Dine: 3.5% Gas: 5.25% Phone: 5.25% Office: 5.25% Biz: 5.25% |
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| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
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| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 1.75% | 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% |
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| $99 | 9990408 | Amtrak Guest Rewards® Preferred Mastercard® | $1,000 | Other | Consumer | Base: 1X (2.56%) | Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere |
| $0 | 9990000 | Robinhood Gold Card | $0 | Other | Consumer | Base: 3% | |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: 3X points for flights booked with airlines or on amextravel.com ✦ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ✦ 4x at restaurants worldwide (up to $50k in purchases, then 1x) ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $150 | 9990424 | American Express® Green Card | $3,000 | Amex | Consumer | Base: 1X (1.55%) | Earning rate: ✦ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ✦ 3X dining ✦ 1X points on other purchases. Terms apply. See |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 4X in combined purchases in the two eligible categories where your business spends the most each month (capped at $150K spend per calendar year, then 1x): Electronic goods retailers or software and cloud system providers in the U.S. ✦U.S. purchases at restaurants ✦Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. ✦ U.S. purchases for advertising in select media ✦ U.S. purchases at gas stations ✦ Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. ✦ 3x on eligible purchases through AmexTravel.com ✦ 1x on all other purchases. Terms apply. |
| $550 | 9990555 | Chase Sapphire Reserve® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 5X Lyft (through September 2027) |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) | |
| $95 | 9990741 | Citi Strata Premier℠ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $95 | 9989905 | AT&T Access More Card | Citi | Consumer | Base: 1X (1.5%) | 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 |
|
| $400 | 9989600 | U.S. Bank Altitude Reserve Visa Infinite Card | USB | Consumer | Base: 1X (1.5%) | Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments |
|
| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $495 | 9989730 | UBS Visa Infinite | $0 | Other | Consumer | Base: 1% | Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else Base: 1% Travel: 3% Gas: 2% Grocery: 2% |
| $550 | 9989765 | UBS Visa Infinite Business | $0 | Other | Business | Base: 1% | Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else Base: 1% Travel: 3% Phone: 2% Office: 2% Biz: 2% |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $95 | 9990717 | Wells Fargo Autograph Journey℠ Card | $4,000 | Wells | Consumer | Base: 1X (1.4%) | Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% | Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% |
| $199 | 9990751 | Southwest® Rapid Rewards® Performance Business Credit Card | $5,000 | Chase | Business | Base: 1X (1.3%) | 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. |
| $95 | 9989905 | Bank of America Premium Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
|
| $550 | 9989450 | Bank of America Premium Rewards Elite (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ✦ 2.625X everywhere else Base: 2.625% Travel: 3.5% Dine: 3.5% |
|
| $350 | 9990438 | Delta SkyMiles® Platinum Business American Express Card | $6,000 | Amex | Business | Base: 1X (1.15%) | 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) |
| $350 | 9990357 | Delta SkyMiles® Platinum American Express Card | $3,000 | Amex | Consumer | Base: 1X (1.15%) | |
| $95 | 9990373 | Chase World of Hyatt Credit Card | $3,000 | Chase | Consumer | Base: 1X (1.7%) | Earning rate: ✦ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ✦ 4X Hyatt and Mr & Mrs Smith |
| $550 | 9991000 | Hilton Honors American Express Aspire Card | $6,000 | Amex | Consumer | Base: 3X (1.44%) | 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. |
| $400 | 9989915 | CNB Crystal Visa Infinite Credit Card | $0 | Other | Consumer | Base: 1X (1.11%) | Earning rate: ✦ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ✦ 1X everywhere else |
| $99 | 9990732 | IHG One Rewards Premier Credit Card | $3,000 | Chase | Consumer | Base: 3X (1.86%) | |
| $99 | 9990719 | IHG One Rewards Premier Business Credit Card | $4,000 | Chase | Business | Base: 3X (1.86%) | 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 |
| $95 | 9990091 | Business Green Rewards Card from American Express | $3,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: ✦ 2X at AmexTravel.com ✦ 1X points on other purchases. Terms apply. (Rates & Fees) |
| $0 | 9990000 | The Morgan Stanley Credit Card from American Express | Amex | Consumer | Base: 1X (1.55%) | 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 |
|
| $0 | 9990000 | Bilt Mastercard | $0 | Wells | Consumer | Base: 1X (1.55%) | 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 |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $0 | 9989685 | SimplyCash® Plus Business Credit Card from American Express | $15,000 | Amex | Business | Base: 1% | 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% |
| $0 | 9990179 | AARP® Travel Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% airfare, hotel stays, and car rentals ✦ 2% restaurants ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990234 | Bank of America Travel Rewards | $1,000 | Other | Consumer | Base: 1.5% | Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Travel: 3% |
| $0 | 9990237 | Business Advantage Customized Cash Rewards credit card | $3,000 | Other | Business | Base: 1% | Earning rate: 2% on dining plus 3% on 1 choice from: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else. Base: 1% Travel: 3% Dine: 2% Gas: 3% Phone: 3% Office: 3% Biz: 3% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
|
| $0 | 9990000 | Bank of America Business Advantage Cash Rewards Mastercard | Other | Business | Base: 1% | 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% |
|
| $0 | 9990252 | BOA Business Advantage Travel Rewards World Mastercard | $3,000 | Other | Business | Base: 1.5% | Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center Base: 1.5% Travel: 3% |
| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9989968 | Costco Anywhere Visa | $1,500 | Citi | Consumer | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas and EV charging (up to $7K spend / year) ✦ 3% restaurant & travel; 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% |
| $0 | 9990000 | Costco Anywhere Business Visa | $0 | Citi | Business | Base: 1% | Earning rate: 5% gas at Costco ✦ 4% all other gas & EV charging (up to $7K spend / year) ✦ 3% restaurant & travel ✦ 2% Costco ✦ 1% everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 5% Brand: 2% |
| $0 | 9990000 | Getaway by FNBO® Credit Card | Other | Consumer | Base: 1% | Earning rate: ✦ 3X Travel, Dining and Gas ✦ 1X everywhere else Base: 1% Travel: 3% Dine: 3% Gas: 3% |
|
| $395 | 9990121 | HSBC Premier World Elite Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% | Earning rate: 3x travel (includes airlines, hotels, and car rentals) ✦ 2x dining Base: 1% Travel: 3% Dine: 2% |
| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
|
| $89 | 9990187 | TD First Class Visa Signature® Card | $3,000 | Other | Consumer | Base: 1% | |
| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% | Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
| $95 | 9991360 | Chase Sapphire Preferred® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $0 | 9989984 | AT&T Access Card | $1,000 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $195 | 9989805 | AAdvantage® AviatorTM Silver World Elite MasterCard® | Barclays | Consumer | Base: 1X (1.4%) | Earning rate: ✦ 3X AA ✦ 2X hotel and car rentals ✦ 1X everywhere else |
|
| $95 | 9989905 | AAdvantage® AviatorTM Business MasterCard® | Barclays | Business | Base: 1X (1.4%) | Earning rate: ✦ 2X AA, office supply, telecommunications services, and at car rental agencies ✦ 1X everywhere else |
|
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) | |
| $69 | 9990758 | Southwest Rapid Rewards® Plus Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X local transit and commuting, including rideshare ✦ 2X internet, cable, phone services, and select streaming ✦ 2X Southwest |
| $99 | 9990627 | Southwest® Rapid Rewards® Premier Business Credit Card | $3,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 3X Southwest ✦ 2X Rapid Rewards(R) hotel and car partners ✦ 2X rideshare ✦ 1X on all other purchases. |
| $99 | 9990609 | Southwest Rapid Rewards® Premier Credit Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | 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. |
| $149 | 9990483 | Southwest Rapid Rewards® Priority Credit Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | 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. |
| $695 | 9990450 | The New United Club℠ Card | $5,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 5X Renowned Hotels & Resorts for United Cardmembers ✦ 4X United ✦ 2X dining & travel |
| $150 | 9990986 | The New United℠ Explorer Card | $3,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X restaurants ✦ 2X on hotel stays |
| $350 | 9990918 | The New United Quest℠ Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | |
| $249 | 9990871 | avianca lifemiles American Express® Elite Card | $10,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: 3X Avianca purchases ✦ 2X dining and other travel ✦ 1X everywhere else |
| $95 | 9990353 | Korean Air SKYPASS Visa issued by US Bank | $4,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 2x on Korean Air, Hotels and Dining |
| $450 | 9990240 | Korean Air SKYPASS Select Visa issued by US Bank | $5,000 | USB | Consumer | Base: 1X (1.3%) | Earning rate: 3X miles on Korean Air, 2x on Other Airlines, Car Rental, Hotels and Dining |
| $95 | 9990275 | PenFed Pathfinder Rewards | $3,000 | Other | Consumer | Base: 1.5X (1.28%) | 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. |
| $79 | 9990354 | TAP MIles&Go American Express Card | $2,500 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else |
| $99 | 9990303 | Emirates Skywards Rewards World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) | Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
| $499 | 9990018 | Emirates Skywards Premium World Elite Mastercard | $3,000 | Barclays | Consumer | Base: 1X (1.15%) | Earning rate: 3X Emirates ✦ 2X airfare, hotel, and car rentals ✦ 1X everywhere else |
| $650 | 9990931 | Marriott Bonvoy® Brilliant® American Express® Card | $6,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 3X airfare -on flights booked directly with airlines; 3X restaurants worldwide, 6X Marriott; 2X on all other eligible purchases |
| $450 | 9989550 | Chase Ritz Carlton Rewards Visa Infinite | Chase | Consumer | Base: 2X (1.52%) | Earning rate: ✦ 6X Ritz & Marriott.✦ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ✦ 2X everywhere else |
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| $95 | 9990740 | Chase British Airways Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $95 | 9990740 | Chase Iberia Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $95 | 9990740 | Chase Aer Lingus Visa Signature® Card | $5,000 | Chase | Consumer | Base: 1X (1.1%) | Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ✦ 2X hotel accommodations booked directly with the hotel ✦ 1X elsewhere |
| $75 | 9990000 | Sonesta World Mastercard | $0 | Other | Consumer | Base: 1X (1.06%) | Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining |
| $0 | 9990000 | Barclays Arrival™ World MasterCard® | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Miles for travel and dining ✦ 1X everywhere else |
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| $0 | 9990179 | Norwegian Cruise Line® World Mastercard® | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 3x Norwegian cruise line purchases ✦ 2x air and hotel |
| $0 | 9990079 | Caesars Rewards® Visa Signature® Card | $1,000 | Other | Consumer | Base: 1X (1%) | |
| $249 | 9990146 | MGM Rewards Iconic World Elite Mastercard® | $5,000 | Other | Consumer | Base: 1X (1%) | |
| $95 | 9990531 | Bank of America Premium Rewards | $4,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $550 | 9990450 | Bank of America Premium Rewards Elite | $5,000 | Other | Consumer | Base: 1.5% | Earning rate: ✦ 2X travel and dining ✦ 1.5X everywhere else Base: 1.5% Travel: 2% Dine: 2% |
| $0 | 9990337 | First Tech Choice Rewards World Mastercard® | $3,000 | Other | Consumer | Base: 1% | Earning rate: 2X Gas ✦ 2X Grocery ✦ 2X Travel ✦ 1X elsewhere Base: 1% Travel: 2% Gas: 2% Grocery: 2% Brand: 2% |
| $95 | 9990416 | HSBC Premier World Mastercard® credit card | $4,000 | Other | Consumer | Base: 1% | Earning rate: 2x travel (includes airlines, hotels, and car rentals) Base: 1% Travel: 2% |
| $85 | 9989873 | U.S. Bank FlexPerks® Gold American Express® card | $2,000 | USB | Consumer | Base: 1% | Earning rate: ✦ 3X restaurants ✦ 2X gas stations and airlines Base: 1% Travel: 2% Dine: 3% Gas: 2% |
| $85 | 9989915 | Chase Marriott Bonvoy Premier | $0 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) | ||
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month). |
Best Credit Cards to use for Miscellaneous Purchases
| Annual Fee Ongoing | 1st Year Value Sortable | CARD NAME | welcome bonus min spend or expected spend | Bank | Consumer or Business Card | Base | Card Info Name and Earning Rate (no offer) |
|---|---|---|---|---|---|---|---|
| $550 | 9990555 | Chase Sapphire Reserve® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 10X hotels & car rentals booked through Chase Travel℠ ✦ 10X Chase Dining ✦ 5X flights booked through Chase ✦ 3X Travel and Dining ✦ 5X Lyft (through September 2027) |
| $395 | 9990950 | Capital One Venture X Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) | Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. |
| $395 | 9991985 | Capital One Venture X Business Card | $30,000 | CapOne | Business | Base: 2X (2.9%) | Earning rate: 10X miles on hotels and rental cars booked via Capital One's travel booking site ✦ 5x on flights and vacation rentals booked via Capital One's travel booking site. ✦ 2X everywhere else. |
| $595 | 9990328 | Citi® / AAdvantage® Executive World Elite Mastercard® | $7,500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 4X AA ✦ 10X hotels booked through AA.com/Hotels ✦ 10X car rentals booked through AA.com/Cars ✦ 1X everywhere else |
| $0 | 9990000 | Brex Cash | Other | Business | Base: 1X (1.4%) | ||
| $0 | 9990000 | Chase Freedom Visa | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Lyft through September 2027; 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
|
| $0 | 9990292 | Chase Freedom Flex | $500 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 5X Lyft through September 2027 ✦ 3x dining ✦ 3x drugstores ✦ 5X in rotating categories on up to $1,500 spend per quarter (Q2 2025: Amazon, Streaming Services) |
| $0 | 9990296 | Chase Freedom Unlimited® | $500 | Chase | Consumer | Base: 1.5X (2.25%) | Earning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere else |
| $0 | 9991074 | Ink Business Unlimited® Credit Card | $6,000 | Chase | Business | Base: 1.5X (2.25%) | Earning rate: 1.5X on all purchases ✦ 5X Lyft through September 2027 |
| $0 | 9991029 | Ink Business Cash® Credit Card | $6,000 | Chase | Business | Base: 1X (1.5%) | Earning rate: 5X office supplies and cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ✦ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ✦ 5x Lyft through September 2027 |
| $95 | 9991127 | Ink Business Preferred® Credit Card | $8,000 | Chase | Business | Base: 1X (1.5%) | |
| $95 | 9990000 | Chase Ink Plus® Business Credit Card | Chase | Business | Base: 1X (1.5%) | ||
| $0 | 9990276 | Citi Custom Cash® Card | $1,500 | Citi | Consumer | Base: 1X (1.5%) | 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 |
| $400 | 9989600 | U.S. Bank Altitude Reserve Visa Infinite Card | USB | Consumer | Base: 1X (1.5%) | Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ✦ 3X travel and mobile wallet payments |
|
| $95 | 9991205 | Capital One Venture Rewards Credit Card | $4,000 | CapOne | Consumer | Base: 2X (2.9%) | Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel |
| $0 | 9990284 | Capital One VentureOne Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.25X (1.81%) | Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel |
| $95 | 9990717 | Wells Fargo Autograph Journey℠ Card | $4,000 | Wells | Consumer | Base: 1X (1.4%) | Earning rate: 5X hotels ✦ 4X airlines ✦ 3X restaurants & other travel ✦ 1X everywhere else |
| $95 | 9990192 | Morgan Stanley Blue Cash Preferred® American Express Card | $3,000 | Amex | Consumer | Base: 1% | 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% |
| $95 | 9990187 | Blue Cash Preferred® Card from American Express | $3,000 | Amex | Consumer | Base: 1% | 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) and 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% |
| $95 | 9990218 | U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | $2,000 | USB | Consumer | Base: 1.5% | 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: 3% Other: 6% |
| $195 | 9990445 | U.S. Bank Business Altitude Power World Elite Mastercard | $10,000 | USB | Business | Base: 2% | Earning rate: 6x prepaid hotel & car rental through Altitude Rewards Center ✦ 2.5X mobile wallet payments (on up to $5,000 spend per quarter) Base: 2% Shop: 2.5% Other: 6% |
| $0 | 9990000 | Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 1.75% | Earning rate: With Platinum Honors Preferred, 5.25% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 3.5% back at grocery stores & wholesale clubs ✦ 1.75% back everywhere else. 5.25% and 3.5% rewards are capped at $2500 in combined purchases per quarter Base: 1.75% Travel: 5.25% Dine: 5.25% Gas: 5.25% Grocery: 3.5% Shop: 5.25% Phone: 5.25% Other: 5.25% |
|
| $95 | 9990412 | Wyndham Rewards Earner Business Card | $12,000 | Barclays | Business | Base: 1X (1.01%) | Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else |
| $0 | 9990087 | Affinity Cash Rewards Visa® Signature Credit Card | $3,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990000 | “Old” Blue Cash Card from American Express | $10 | Amex | Consumer | Base: 1% | 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% |
| $0 | 9990192 | Capital One Quicksilver Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1.5% | Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel ✦ 5% on Capital One Entertainment through 12/31/25 Base: 1.5% Other: 5% |
| $49 | 9990330 | Disney Premier Visa Card | $1,000 | Chase | Consumer | Base: 1% | Earning rate: 5X DisneyPlus.com, Hulu.com or ESPNPlus.com ✦ 2X grocery stores, restaurants, gas stations, and most Disney locations ✦ 1X everywhere else Base: 1% Dine: 2% Gas: 2% Grocery: 2% Brand: 2% Other: 5% |
| $195 | 9990695 | Chase Ink Business Premier® | $10,000 | Chase | Business | Base: 2% | Earning rate: 2.5% cash back on purchases of $5,000 or more ✦ 5% back on travel purchased through Chase Travel(SM) ✦ 2% cash back on all other spend ✦ 5x Lyft through September 2027 Base: 2% Other: 5% |
| $0 | 9990000 | Citi Dividend Platinum Select | Citi | Consumer | Base: 1% | Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. Base: 1% Grocery: 5% Other: 5% |
|
| $0 | 9990100 | Discover it® | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Grocery: 5% Shop: 5% Other: 5% |
| $0 | 9990120 | Discover it® for Students | $0 | Discover | Consumer | Base: 1% | Earning rate: 5X in rotating categories, up to $1500 spend per quarter (Q2 2025: Grocery Stores, Wholesale Clubs) Base: 1% Dine: 5% Shop: 5% Other: 5% |
| $95 | 9990474 | U.S. BANK BUSINESS ALTITUDE® CONNECT VISA SIGNATURE® CARD | $6,000 | USB | Business | Base: 1% | Earning rate: 5x hotels and car rentals when booked through US Bank Portal ✦ 4X travel, gas stations and EV charging ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Other: 5% |
| $0 | 9990179 | U.S. Bank Cash+® | $1,000 | USB | Consumer | Base: 1% | 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% |
| $0 | 9990000 | Bilt Mastercard | $0 | Wells | Consumer | Base: 1X (1.55%) | 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 |
| $95 | 9991360 | Chase Sapphire Preferred® Card | $5,000 | Chase | Consumer | Base: 1X (1.5%) | Earning rate: 5X Travel booked through Chase Travel℠ (2X all other travel) ✦ 5X Lyft through 9/30/27 ✦3X Dining ✦ 3X Select streaming services ✦ 3X Online grocery ✦ 10% annual point bonus |
| $0 | 9990000 | Citi Business ThankYou Card | Citi | Business | Base: 1X (1.5%) | Earning rate: 3x travel ✦ office supply ✦ professional services |
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| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990263 | Wells Fargo Autograph℠ Card | $1,000 | Wells | Consumer | Base: 1X (1.4%) | |
| $95 | 9990000 | Capital One Savor | $0 | CapOne | Consumer | Base: 1% | 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% Dine: 4% Grocery: 3% Other: 4% |
| $0 | 9990090 | Wells Fargo Attune World Elite Mastercard® | $500 | Wells | Consumer | Base: 1% | Earning rate: 4X self-care (gym memberships, at spas / massage parlors, and barber shops / salons) ✦ 4X sports, recreation, and entertainment ✦ 4X "planet-friendly purchases" like EV charging stations, riding public transportation, and purchasing select second hand and vintage ✦ 1X everywhere else Base: 1% Other: 4% |
| $199 | 9990723 | Chase World of Hyatt Business Credit Card | $7,000 | Chase | Business | Base: 1X (1.7%) | Earning rate: 2X on fitness clubs and gym memberships ✦ 2X in the top 3 spend categories each calendar quarter. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith |
| $0 | 9990000 | Mesa Homeowners Card | Other | Consumer | Base: 1X (1%) | Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card ✦ 1x everywhere else |
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| $0 | 9990179 | AARP® Essential Rewards Mastercard® | $1,000 | Barclays | Consumer | Base: 1% | Earning rate: 3% drugstores and gas stations ✦ 2% medical expenses ✦ 1% everywhere else Base: 1% Gas: 3% Other: 3% |
| $0 | 9990179 | Bank of America Customized Cash Rewards | $1,000 | Other | Consumer | Base: 1% | Earning rate: 3% back on your choice of the following: gas and EV charging, online shopping, cable, streaming, internet & phone plans, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ✦ 2% back at grocery stores & wholesale clubs ✦ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 2% Shop: 3% Phone: 3% Other: 3% |
| $0 | 9990000 | Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card | Other | Consumer | Base: 1% | 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% |
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| $0 | 9990190 | Capital One Savor Cash Rewards Credit Card | $500 | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Capital One SavorOne Cash Rewards Credit Card | CapOne | Consumer | Base: 1% | 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% Dine: 3% Grocery: 3% Other: 3% |
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| $0 | 9990000 | Bread Rewards™ American Express® Credit Card | $0 | Other | Consumer | Base: 1% | Earning rate: 3X on grocery, dining and utility purchases ✦ 25% bonus with 20+ purchases in billing cycle ✦ 1X on all other purchases Base: 1% Dine: 3% Grocery: 3% Other: 3% |
| $0 | 9990000 | Huntington Voice | Other | Consumer | Base: 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% |
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| $0 | 9990179 | TD Cash Visa Credit Card | $1,000 | Other | Consumer | Base: 1% | Earning rate: ✦ 3% & 2% unlimited cash back on top two spend categories ✦ 1% unlimited cash back on all other eligible purchases Base: 1% Travel: 3% Dine: 3% Gas: 3% Grocery: 3% Other: 3% |
| $95 | 9991132 | Alaska Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, local transit, rideshare, cable, and select streaming services purchases ✦ 1X elsewhere |
| $95 | 9991116 | Alaska Airlines Visa Business Card | $4,000 | Other | Business | Base: 1X (1.5%) | Earning rate: 3X Alaska Airlines ✦ 2x gas, EV charging, shipping and local transit ✦ 1X elsewhere |
| $0 | 9990000 | Citi Preferred Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 2X dining and entertainment |
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) | |
| $150 | 9991385 | The New United℠ Business Card | $5,000 | Chase | Business | Base: 1X (1.3%) | Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X United Hotels ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services |
| $350 | 9990918 | The New United Quest℠ Card | $4,000 | Chase | Consumer | Base: 1X (1.3%) | |
| $0 | 9990372 | The New United Gateway(SM) Card | $1,000 | Chase | Consumer | Base: 1X (1.3%) | Earning rate: 2X United ✦ 2X on United Hotels ✦ 2X gas stations ✦ 2X local transit and commuting |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $60 | 9989940 | Paceline Credit Card | Other | Consumer | Base: 1.5% | 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% |
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| $195 | 9990509 | Hilton Honors American Express Business Card | $6,000 | Amex | Business | Base: 3X (1.44%) | Earning rate: ✦ 12X Hilton spend ✦ 5X on other eligible purchases (on the first $100K in purchases per calendar year, 3X thereafter). |
| $79 | 9990354 | TAP MIles&Go American Express Card | $2,500 | Other | Consumer | Base: 1X (1.2%) | Earning rate: 3x TAP Air Portugal purchases ✦ 3x hotels, car rentals, & rideshare ✦ 1x everywhere else |
| $695 | 9991950 | The Business Platinum Card® from American Express | $20,000 | Amex | Business | Base: 1X (1.55%) | Earning rate: Earn 5X flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked 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. |
| $150 | 9990687 | Delta SkyMiles® Gold Business American Express Card | $4,000 | Amex | Business | Base: 1X (1.15%) | Earning rate: 2X Delta ✦ 2X U.S. purchases for advertising in select media and U.S. shipping purchases (capped at $50k per year) ✦ 2x restaurants worldwide and US takeout & delivery |
| $75 | 9989925 | Wyndham Rewards Visa issued by Barclays | Barclays | Consumer | Base: 1X (1.01%) | ||
| $0 | 9990194 | Citi Shop Your Way Mastercard | $1,500 | Citi | Consumer | Base: 1X (1%) | |
| $0 | 9990079 | Caesars Rewards® Visa Signature® Card | $1,000 | Other | Consumer | Base: 1X (1%) | |
| $0 | 9990115 | Amazon Business Prime American Express Card | Amex | Business | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ✦ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services (excludes Google Fi) ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Phone: 2% Brand: 5% Other: 2% |
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| $0 | 9990179 | AAA Member Rewards Visa Signature Card - Northeast | $1,000 | Other | Consumer | Base: 1% | 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% |
| $0 | 9990135 | Amazon Prime Visa | Chase | Consumer | Base: 1% | Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ✦ 5% back at Whole Foods ✦ 5% back on Chase Travel purchases ✦ 2% Back in Amazon rewards at gas stations; local transit and commuting (including rideshare); and restaurants ✦ 1% back on all other purchases Base: 1% Dine: 2% Gas: 2% Grocery: 5% Shop: 5% Brand: 5% Other: 2% |
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| $0 | 9990135 | Amazon Visa | $1 | Chase | Consumer | Base: 1% | 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% |
| $95 | 9990593 | U.S. Bank Business Leverage® Visa Signature® Card | $7,500 | USB | Business | Base: 1% | Earning rate: 2x on top two categories where you spend the most each month. Base: 1% Other: 2% |
| $0 | 9990179 | U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD | $1,000 | USB | Consumer | Base: 1% | Earning rate: 4X travel, gas stations & EV charging (excludes discount stores/supercenters and wholesale clubs) ✦ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services Base: 1% Travel: 4% Dine: 2% Gas: 4% Grocery: 2% Other: 2% |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $99 | 9990079 | LATAM Airlines World Elite Mastercard | $2,500 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 4x LATAM ✦ 3x dining, rideshare and public transit ✦ 1x everywhere else |
| $0 | 9990000 | Citizens Bank Cash Back Plus® World Mastercard® | $0 | Other | Consumer | Base: 1.8% | Earning rate: 1.8% back everywhere (1.9% back if you have a Citizens Quest checking account) Base: 1.8% Dine: 1.8% Gas: 1.8% Other: 1.8% |
| $350 | 9990438 | Delta SkyMiles® Platinum Business American Express Card | $6,000 | Amex | Business | Base: 1X (1.15%) | 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) |
| $650 | 9990200 | Delta SkyMiles® Reserve Business American Express Card | $10,000 | Amex | Business | Base: 1X (1.15%) | Earning rate: 3X Delta ✦ 1.5X on eligible transit, U.S. shipping & office supply store purchases |
| $95 | 9989857 | Citi® Expedia®+ Voyager Card | $2,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment |
| $55 | 9990000 | U.S. Bank FlexPerks® Business Travel Rewards Visa® Card | USB | Business | Base: 1X (0.71%) | ||
| $49 | 9990000 | U.S. Bank FlexPerks® Travel Rewards Visa Signature® card | USB | Consumer | Base: 1X (0.71%) | 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). |
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| $0 | 9990065 | LATAM Airlines Mastercard | $1,000 | Other | Consumer | Base: 1X (0.6%) | Earning rate: 3x LATAM ✦ 2x dining, rideshare and public transit ✦ 1x everywhere else |
| $99 | 9990263 | Cathay Pacific Visa Signature card | $3,000 | Other | Consumer | Base: 1X (1.1%) | Earning rate: ✦ 3X Cathay Pacific & Hong Kong Express ✦ 2X dining & dining delivery services ✦ 1X everywhere else |
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The new Wells Fargo Autograph Journey card offers 5X for hotel bookings that are done directly with the hotel, not a Wells Fargo travel agency. Best for hotels! bookings
Considering points per dollar spent only, what’s the most rewarding to use for rental cars and hotels? My company pays insurance directly with the rental car agency. I stay at many NH Hotels that are pre booked for me at a company preferred rate. I cannot book the hotel myself or through a portal, but I still pay the hotel bill directly with the hotel at checkout. I currently use the CSR on car rentals and Citi Strata on hotels, but is there a better option?
Note: I’m in the minority here, but I personally value Citi TY points a little more than Chase UR due to the transferability of TY points to EVA Air.
best to use at warehouse stores? seems most cards used for grocery spend exclude sam’s club.
Best for warehouse stores is the US Bank Altitude Reserve since it gives 3x points (worth 1.5 cents each) when you use your phone to pay (Apple Pay, Samsung Pay, etc.)
BofA Custom Cash with Platinum Honors, 3.5% at Wholesale up to $2,500 spend (combined with 5.25% category)
best card for utilities?
Elan Visa has 5x utilities, can also bypass fee’s by using paypal bill pay
US Bank Cash + 5%
Wyndham Business card give 5x Wyndham points for utilities. Great if you can use those points.
CSR is listed as 10x under travel (through Chase’s portal), but the Venture X isn’t?
reminder to remove Freedom card from best category: Gas (since Q2 is over). 🙂
Reminder to add the Citi Custom Cash. 😉
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