Which are the best cards for everyday spend? Many credit cards are great for spend within certain categories, but not great for spend everywhere else. For example, the American Express Gold card offers 4X Membership Rewards for US supermarkets and worldwide dining and 3x on flights booked directly with airlines or through Amex Travel. That’s great. But, I don’t recommend using the card for spend outside of those categories where it only earns 1 point per dollar. You can do better.
Separately we posted: Best Category Bonuses: Which card to use where? There, you’ll find the best cards to use for many different types of purchases: grocery, dining, travel, etc.
Here, you’ll find the cards to turn to for spending everyday, everywhere else.
Special Mention: Altitude Reserve
The US Bank Altitude Reserve card deserves special mention. Even though it’s no longer available new, it’s still possible to product-change to it from other US Bank cards and is worth a mention as being a special kind of everyday spending hero.
The Altitude Reserve offers two 3X categories and then offers just 1 point per dollar everywhere else. Points are worth 1.5 cents each towards travel. So, as a pure “everywhere else” card, the Altitude Reserve is actually not great at all. You can do much better than 1.5 cents per dollar value. The reason I’m highlighting it here though is that one of its 3X categories is “mobile wallet payments” (travel is the other 3X category). Mobile wallet payments include all payments made with Apple Pay, Google Pay, or Samsung Pay. That’s an incredibly broad category.
Mobile Wallet payments, such as Apple Pay, are accepted at a huge number of stores around the world. And, everywhere you use the Altitude Reserve in this way, you get the equivalent of 4.5% back towards travel. That’s awesome! Within the US, you can use mobile payments at most big-box stores, most supermarkets, most warehouse stores (such as Costco), and much more. Those with certain Samsung devices (with MST technology) can even use Samsung Pay at terminals not equipped for mobile payments. Nick previously wrote about using his Samsung watch in this way. Caution: US Bank has been known to shut down accounts of those who buy large value gift cards (e.g. $500) or large numbers of gift cards via mobile wallet payments with their Altitude Reserve card.
The Best Cards for Everyday Spend
| 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 | U.S. Bank Smartly™ Visa Signature® Card (with $100k+ in deposits) | $0 | USB | Consumer | Base: 4% | Earning rate: 4% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $100,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 4% |
| $0 | 9990233 | The Blue Business® Plus Credit Card from American Express | $3,000 | Amex | Business | Base: 2X (3.1%) | Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees) Base: 2X (3.1%) |
| $0 | 9990000 | Robinhood Gold Card | $0 | Other | Consumer | Base: 3% | |
| $0 | 9990000 | Discover it Miles (First Year) | Discover | Consumer | Base: 3% | Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year. Base: 3% |
|
| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card (with between $50k and $99,999 in deposits) | $0 | USB | Consumer | Base: 3% | Earning rate: 3% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $50,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 3% |
| $0 | 9990299 | Citi Double Cash® Card | $1,500 | Citi | Consumer | Base: 2X (3%) | Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/25. Base: 2X (3%) |
| $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 |
| $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. |
| $95 | 9990716 | Capital One Spark Miles for Business | $4,500 | CapOne | Business | Base: 2X (2.9%) | Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One's travel booking site Base: 2X (2.9%) |
| $0 | 9990000 | Bank of America Travel 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, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% |
|
| $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% |
|
| $0 | 9990000 | Bank of America Unlimited Cash Rewards (with Platinum Honors Preferred Rewards) | Other | Consumer | Base: 2.625% | Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% |
|
| $0 | 9990000 | Business Advantage Unlimited Cash Rewards credit card (with Platinum Honors Preferred Rewards) | Other | Business | Base: 2.625% | Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 2.625% |
|
| $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 | BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Preferred Rewards for Business) | Other | Business | Base: 2.625% | Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center) Base: 2.625% |
|
| $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 | 9990000 | Alliant Cashback Visa Signature Card | Other | Consumer | Base: 2.5% | Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back) Base: 2.5% |
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| $0 | 9990000 | U.S. Bank Smartly™ Visa Signature® Card (with between $10k and $49,999 in deposits) | $0 | USB | Consumer | Base: 2.5% | Earning rate: 2.5% rate is limited to your first $10,000 in eligible Net Purchases each billing cycle, then the earning rate drops to 2%. To qualify, you must maintain at least $10,000 in a U.S. Bank Smartly® Checking and/or Safe Debit account. Base: 2.5% |
| $59 | 9989937 | Spirit Airlines World Mastercard® | $500 | Other | Consumer | Base: 2X (2.4%) | |
| $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. |
|
| $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 | 9990000 | Wells Fargo Cash Wise Visa® Card | Wells | Business | Base: 1.5% | Earning rate: 1.5% cash back everywhere in the form of Go Far Rewards ✦ 1.8% back on Google Pay or Apple Pay purchases for the first 12 months Base: 1.5% |
|
| $0 | 9989964 | Hotels.com Rewards Visa Credit Card | $4,000 | Wells | Consumer | Base: 0.002X (2.2%) | Earning rate: Collect 1 $110 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night. Base: 0.002X (2.2%) |
| $0 | 9990683 | Capital One Spark Miles Select Business Credit Card | $4,500 | CapOne | Business | Base: 1.5X (2.18%) | Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One's travel booking site Base: 1.5X (2.18%) |
| $90 | 9989900 | Virgin Atlantic World Elite Mastercard | $1,000 | Other | Consumer | Base: 1.5X (2.1%) | Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere else |
| $0 | 9990000 | The Blue for Business® Credit Card from American Express | $0 | Amex | Business | Base: 1.3X (2.02%) | |
| $89 | 9990000 | Barclaycard Arrival Plus® World Elite Mastercard® | Barclays | Consumer | Base: 2X (2%) | Earning rate: 2X Miles on all purchases Base: 2X (2%) |
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| $150 | 9989850 | Barclays Arrival® Premier World Elite Mastercard® | $0 | Barclays | Consumer | Base: 2X (2%) | Earning rate: 2X Miles on all purchases Base: 2X (2%) |
| $85 | 9990267 | PNC Premier Traveler® Visa Signature Credit Card | $3,000 | Other | Consumer | Base: 2X (2%) | |
| $0 | 9990195 | Wells Fargo Active Cash Card | $500 | Wells | Consumer | Base: 2X (2%) | Base: 2X (2%) |
| $0 | 9990217 | The American Express Blue Business Cash™ Card | $3,000 | Amex | Business | Base: 2% | Earning rate: 2% cash back as a statement credit on all eligible purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply. Base: 2% |
| $95 | 9990668 | Capital One Spark Cash | $7,500 | CapOne | Business | Base: 2% | Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% |
| $150 | 9991520 | Capital One Spark Cash Plus | $30,000 | CapOne | Business | Base: 2% | Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% |
| $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 | X1 Card | $0 | Other | Consumer | Base: 2% | Earning rate: X1 offers "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. You must enroll in these boosts to earn more points. Additionally, earn 3x for all spend between $1000 and $7,500 each calendar month Base: 2% |
| $0 | 9990000 | Fidelity Rewards Visa | Other | Consumer | Base: 2% | ||
| $0 | 9990189 | Evergreen® by FNBO Business Edition® Credit Card | $1,000 | Other | Business | Base: 2% | |
| $0 | 9989989 | Evergreen® by FNBO Credit Card | $1,000 | Other | Consumer | Base: 2% | |
| $0 | 9990189 | Evergreen® by FNBO Credit Card | $1,000 | Other | Consumer | Base: 2% | |
| $0 | 9990000 | SoFi Credit Card | $0 | Other | Consumer | Base: 2% | |
| $0 | 9990000 | Paypal Cashback Mastercard | $0 | Other | Consumer | Base: 2% | Earning rate: 3% cash back when you check out with PayPal ✦ 1.5% cash back everywhere else Base: 2% Brand: 3% |
| $0 | 9990000 | Paypal Business Cashback Mastercard | $0 | Other | Consumer | Base: 2% | Earning rate: 3% cash back when you check out with PayPal ✦ 2% cash back everywhere else Base: 2% Brand: 3% |
| $150 | 9989850 | UBS Cash Rewards Visa Business | $0 | Other | Business | Base: 2% | Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1% Base: 2% |
| $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 | U.S. Bank Smartly™ Visa Signature® Card | $0 | USB | Consumer | Base: 2% | Earning rate: Up to an additional 2% cash back on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account plus qualifying balances in a U.S. Bank Smartly Checking and/or Safe Debit account. Base: 2% |
| $0 | 9990445 | Wells Fargo Signify Business Cashâ„ Card | $5,000 | Wells | Business | Base: 2% | |
| $89 | 9990787 | Air France KLM World Elite Mastercard | $3,000 | Other | Consumer | Base: 1.5X (1.95%) | Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else |
| $695 | 9990873 | The New United Club℠Business Card | $5,000 | Chase | Business | Base: 1.5X (1.95%) | Earning rate: 5X on stays at Renowned Hotels and Resorts for United Cardmembers ✦ 2X United ✦ 1.5X 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 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 | 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 |
| $99 | 9990402 | Wells Fargo One Key+™ Mastercard | $3,000 | Wells | Consumer | Base: 2X (1.8%) | |
| $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% |
| $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 | 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 |
| $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 |
| $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. |
| $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 |
| $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 |
| $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) |
| $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 | 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 |
| $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. |
| $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 |
| $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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| $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 |
| $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 | 9989953 | Marriott Bonvoy™ American Express® Card | $3,000 | Amex | Consumer | Base: 2X (1.52%) | Earning rate: 6X Marriott ✦ 2X 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 |
| $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 |
| $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 | 9989901 | Marriott Bonvoy Premier Plus Business | $0 | Chase | Business | Base: 2X (1.52%) | |
| $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 |
| $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 | 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) |
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| $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 | 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 | 9990000 | Citi Business ThankYou Card | Citi | Business | Base: 1X (1.5%) | Earning rate: 3x travel ✦ office supply ✦ professional services |
|
| $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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| $95 | 9990741 | Citi Strata Premierâ„ Card | $4,000 | Citi | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Citi Preferred Card | $0 | Citi | Consumer | Base: 1X (1.5%) | Earning rate: 2X dining and entertainment |
| $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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| $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 |
|
| $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 |
| $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 | 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 |
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| $0 | 9990000 | Wells Fargo Propel American Express® Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Wells Fargo Visa Signature Card | $0 | Wells | Consumer | Base: 1X (1.5%) | |
| $0 | 9990000 | Wells Fargo Rewards Visa® card | Wells | Consumer | Base: 1X (1.5%) | ||
| $0 | 9990000 | Discover it Business - Double cash back your first year | $0 | Discover | Business | Base: 1.5X (1.5%) | Earning rate: 1.5% cash back for all spend. Base: 1.5X (1.5%) |
| $250 | 9989870 | The Plum Card® from American Express | $30,000 | Amex | Business | Base: 1.5% | Earning rate: Unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date. Pay your Minimum Payment Due by your Payment Due Date and the discount is applied to your next statement Base: 1.5% |
| $0 | 9990184 | Schwab Investor Card® from American Express | $1,000 | Amex | Consumer | Base: 1.5% | |
| $0 | 9989968 | American Express Cash Magnet® Card | $2,000 | Amex | Consumer | Base: 1.5% | |
| $0 | 9990000 | Barclaycard CashForward | Barclays | Consumer | Base: 1.5% | ||
| $0 | 9990068 | BECU Cash Back Visa credit card | $2,000 | Other | Consumer | Base: 1.5% | |
| $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 | 9990184 | Bank of America Unlimited Cash Rewards | $1,000 | Other | Consumer | Base: 1.5% | Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status Base: 1.5% |
| $0 | 9990420 | Business Advantage Unlimited Cash Rewards credit card | $5,000 | Other | Business | Base: 1.5% | Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return. Base: 1.5% |
| $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 | 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 | 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% |
| $0 | 9990428 | Capital One Spark Cash Select | $4,500 | CapOne | Business | Base: 1.5% | Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 1.5% |
| $0 | 9990000 | The Comenity® Mastercard® Credit Card | Other | Consumer | Base: 1.5% | ||
| $0 | 9990100 | Discover it Miles - Double Miles your first year | $0 | Discover | Consumer | Base: 1.5% | Earning rate: 1.5 miles per dollar for all spend. Base: 1.5% |
| $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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| $95 | 9989936 | The Owner's Rewards Card by M1 | $4,000 | Other | Consumer | Base: 1.5% | Earning rate: 2.5%, 5%, or 10% back at select retailers ✦ 1.5% everywhere else ✦ Note a monthly limit of $200 in earned rewards. Base: 1.5% |
| $0 | 9989980 | Santander® Ultimate Cash Back® credit card | $20,000 | Other | Consumer | Base: 1.5% | |
| $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 | 9989952 | Wells Fargo Business Platinum Visa® card | $3,000 | Wells | Business | Base: 1.5% | Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more. Base: 1.5% |
| $0 | 9990000 | UBS Visa Signature | $0 | Other | Consumer | Base: 1% | Base: 1% |
| $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% |
| $0 | 9990000 | UBS Visa Signature Business | $0 | Other | Business | Base: 1% | Base: 1% |
| $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% |
| $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. |
| $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 |
| $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). |
| $0 | 9990351 | Hilton Honors American Express Card | $2,000 | Amex | Consumer | Base: 3X (1.44%) | |
| $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 |
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| $99 | 9990881 | AAdvantage Aviator Red World Elite MasterCard | $1 | Barclays | Consumer | Base: 1X (1.4%) | Earning rate: 2X AA ✦ 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 |
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| $49 | 9989951 | Virgin Atlantic White Card | $0 | Other | Consumer | Base: 1X (1.4%) | Earning rate: ✦ 3X Virgin Atlantic ✦ 1X elsewhere |
| $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 |
| $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 |
| $50 | 9990000 | Citi® AAdvantage® Gold MasterCard® | Citi | Consumer | Base: 1X (1.4%) | ||
| $0 | 9990202 | American Airlines AAdvantage® MileUp® Card | $500 | Citi | Consumer | Base: 1X (1.4%) | Earning rate: 2X grocery ✦ 2X AA ✦ 1X everywhere else |
| $99 | 9990965 | Citi® / AAdvantage Business™ World Elite Mastercard® | $5,000 | Citi | Business | Base: 1X (1.4%) | |
| $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%) | ||
| $99 | 9990410 | Virgin Red Rewards Mastercard® | $3,000 | Other | Consumer | Base: 1X (1.4%) | |
| $95 | 9989983 | TD Aeroplan™ Visa® Credit Card | $1,000 | Other | Consumer | Base: 1X (1.4%) | Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases |
| $0 | 9990263 | Wells Fargo Autographâ„ 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 | 9990343 | Wells Fargo One Key™ Mastercard | $1,000 | Wells | Consumer | Base: 1.5X (1.35%) | |
| $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✦ |
| $89 | 9990507 | Lufthansa Miles & More® Premier World MasterCard® issued by Barclays | $3,000 | Barclays | Consumer | Base: 1X (1.3%) | Earning rate: 2X Miles & More |
| $99 | 9989847 | Asiana Airlines Visa Signature | $3,000 | Other | Consumer | Base: 1X (1.3%) | Earning rate: ✦ 2X gas and grocery ✦ 3X Asiana. |
| $80 | 9989920 | Asiana Airlines Visa Business Card | $0 | Other | Business | Base: 1X (1.3%) | |
| $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. |
| $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. |
| $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. |
| $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 Questâ„ 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 |
| $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 |
| $70 | 9989840 | JAL USA CARD | $5,000 | Other | Consumer | Base: 1X (1.3%) | Base: 1X (1.3%) |
| $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 |
| $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. |
| $0 | 9990005 | PenFed Platinum Rewards | $1,500 | Other | Consumer | Base: 1.5X (1.28%) | |
| $0 | 9990091 | Upromise World MasterCard® issued by Barclays | $500 | Barclays | Consumer | Base: 1.25% | Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus Base: 1.25% |
| $95 | 9990050 | Rocket Mortgage Visa | $3,000 | Other | Consumer | Base: 1.25% | |
| $0 | 9990459 | IHG One Rewards Traveler Credit Card | $2,000 | Chase | Consumer | Base: 2X (1.24%) | |
| $0 | 9990216 | Best Western Rewards® Visa Signature® Card | $1,500 | Other | Consumer | Base: 2X (1.22%) | Earning rate: 4X Best Western ✦ 2X everywhere else |
| $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 |
| $89 | 9989911 | Best Western Rewards Premium MasterCard issued by First Bankcard | Other | Consumer | Base: 2X (1.22%) | Earning rate: 10X at Best Western properties ✦ 2X elsewhere |
|
| $0 | 9990111 | Free Spirit Travel Mastercard | $500 | Other | Consumer | Base: 1X (1.2%) | |
| $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 |
| $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 | 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 | 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%) | |
| $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 |
| $650 | 9990158 | Delta SkyMiles® Reserve American Express Card | $5,000 | Amex | Consumer | Base: 1X (1.15%) | Earning rate: 3X Delta |
| $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 |
| $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 |
| $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 |
| $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 |
| $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 |
| $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 | 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 |
| $75 | 9990000 | Sonesta World Mastercard | $0 | Other | Consumer | Base: 1X (1.06%) | Earning rate: 3X Sonesta ✦ 2X airfare, car rental and dining |
| $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 |
|
| $0 | 9990564 | Wyndham Earner | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $75 | 9990792 | Wyndham Rewards Earner Plus Card | $2,000 | Barclays | Consumer | Base: 1X (1.01%) | |
| $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 |
| $99 | 9990459 | Frontier Airlines World MasterCard® | $2,000 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 5X at FlyFrontier.com ✦ 3X restaurants |
| $0 | 9990240 | Carnival® World Mastercard® | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: 2X Carnival ✦ 1X everywhere else |
| $0 | 9990090 | Holland America Line Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Holland America ✦ 1X everywhere else |
| $0 | 9990090 | Princess® Rewards Visa® Card | $500 | Barclays | Consumer | Base: 1X (1%) | Earning rate: ✦ 2X Princess ✦ 1X everywhere else |
| $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) |
| $0 | 9990069 | BBVA ClearPoints Credit Card | $1,500 | Other | Consumer | Base: 1X (1%) | Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped. Base: 1X (1%) |
| $0 | 9990000 | BOA WorldPoints® Rewards for Business Visa® Card | Other | Business | Base: 1X (1%) | ||
| $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 | 9990279 | Royal Caribbean® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
| $0 | 9990279 | Celebrity Cruises® Visa Signature® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara |
| $59 | 9990170 | Allegiant World Mastercard® Credit Card | $1,000 | Other | Consumer | Base: 1X (1%) | Earning rate: 3x Allegiant ✦ 2x dining |
| $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 | 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 | 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 | 9990119 | Verizon Visa Card | $1,500 | 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% |
| $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 | 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 | 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 | 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® 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 | 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% |
| $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 | 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 | 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 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% |
| $0 | 9990190 | Disney Visa Card | $500 | Chase | Consumer | Base: 1% | Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current welcome offer makes it worth a look. Base: 1% |
| $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 | 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 | 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 | 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 | 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 | 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 | 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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| $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% |
| $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% |
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| $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 | 9990000 | Venmo Credit Card | $0 | Other | Consumer | Base: 1% | Earning rate: 3% on your eligible top spend category ✦ 2% on your second top category ✦ 1% everywhere else ✦ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery / Warehouse Stores, Gas, Transportation, Entertainment Base: 1% |
| $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% |
| $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% |
| $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% |
| $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 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 | 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% |
| $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% |
| $85 | 9989915 | Chase Marriott Bonvoy Premier | $0 | Chase | Consumer | Base: 1X (0.76%) | Earning rate: ✦ 2X airline, car rental, & restaurants ✦ 5X Marriott. |
| $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 |
| $95 | 9989857 | Citi® Expedia®+ Voyager Card | $2,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 4X Expedia purchases ✦ 2x restaurants & entertainment |
| $0 | 9989976 | Citi® Expedia Rewards Credit Card | $1,000 | Citi | Consumer | Base: 1X (0.71%) | Earning rate: 3X Expedia purchases |
| $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 | 9990378 | Wells Fargo Choice Privileges Mastercard | $1,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $95 | 9990234 | Wells Fargo Choice Privileges Mastercard Select | $3,000 | Wells | Consumer | Base: 1X (0.67%) | |
| $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 |
| $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 |
| $75 | 9990000 | LATAM Visa Signature issued by US Bank | $0 | USB | Consumer | Base: 1X (0.6%) | Earning rate: 2X on spending with LAN & TAM |
| $0 | 9990207 | BOA Platinum Plus Business Mastercard | $3,000 | Other | Business | Base: 0% | |
| $0 | 9990000 | Chase Slate Edge | Chase | Consumer | Base: 0% | Earning rate: This card does not earn ongoing rewards beyond the welcome bonus. Base: 0% |
The above cards (at least the top 25 or so in the list) offer great rewards regardless of where they’re used. Our entire database of credit cards is contained above, shown 10 cards at a time, and sorted with the best everyday everywhere-else rewards on top. For the purposes of this post, please train your eyes on the boxes titled “Base”. These show the base earning rate (aka “everywhere else” earning rate) for each card.
For cards that earn points instead of cash back, we’ve listed the “X” which is the number of points per dollar earned. For example, “2X” means that the card earns 2 points per dollar.
Cards are sorted by the value of the “Base” rebate in descending order based on our Reasonable Redemption Values (RRVs), or by their fixed redemption value with cash back cards.
As we analyze the best cards for everyday spend, it’s worth noting that transferable points are assigned higher Reasonable Redemption Values since they make it possible to cherry pick the best value awards. In some cases this will be unintuitive:
- Fixed Value Cards: Capital One Venture and Spark Miles cards earn Capital One “miles” that are worth exactly 1 cent each when redeemed for travel. So, when you look at a card that earns 2 “miles” per dollar you would expect to see 2% as the base rewards rate. Instead, you’ll find a higher percentage because Capital One Miles are transferable to airline miles at a rate up to 2 Capital One Miles to 1.5 airline miles.
- Cash Back Cards: Some cards are advertised as cash back cards, but actually earn points that can be converted to airline miles or hotel points. For example, the Chase Freedom card is advertised as a cash back card where points are worth 1 cent each. However, if you (or another household member) has a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, etc.), you can move points from the Freedom card to the other card and then transfer those points to airline or hotel programs as needed.
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On 1/5/25 , this page seems to have been hacked: data/links that usually appears in the boxes is missing and the page redirects to another site
The Bank of America Business CCR with PR PH is shown with 2.63% base rewards in the table, while it only has 1.75% as mentioned in the description.
I’m not sure if you are considering credit unions. The AOD Federal Credit Union Signature Visa, available once again, earns 3% everywhere with no annual fee, no foreign transaction fee, and a reasonable (for most people) $1,500 cap each month.
I would like to take a moment to say RIP to the Greenlight credit card. RIP unlimited 3% cashback!
Thanks for this update. Seems hard to keep a decent 3% everywhere card viable.
Greg, I have not been able to find a definite answer to this question: Are earnings on the Wells Fargo Active Cash transferable to either Wells Fargo Autograph for ultimate transfer to an airline partner? Any insights? Reader datapoints?
Yes, either to Autograph or Autograph Journey
Thanks.
How about Amex Blue Business Plus? 2% everywhere and $0 fee
Ummmm… maybe reread the article?
Why no Bank of America® Premium Rewards® Elite Card w/ PH?
This only lists the non-PH version. But I think that the PH version and a point valuation that includes the 1.25 multiplier (or whatever that is discounted to in valuation) would rank nicely here.
Good catch! We didn’t have that card set up correctly in our database to account for Platinum Honors. I added it. We don’t account for the 1.25 redemptions at the moment, but we’ll discuss whether to change that.
Pinging for this. In my head-cannon calculations I personally discount the 1.25 multiplier down to about 1.10 to reflect (a) that I fly infrequently and so only redeem some funds with the multiplier and those occur after points sit idle for some amount of time, (b) that portals are a pain to deal with and (c) that even quick portal redemptions should be discounted to reflect the opportunity cost of paying via CC and getting some percent back. IMO pretty much all of the RRV valuations of points/miles have the (a) issue to lesser or greater extents and (b)/(c) also occur for some other programs. If you don’t discount other programs for these issues then you shouldn’t discount the 1.25 in RRVs either.
[…] Note that you will not earn an office supply category bonus. These purchases are processed through GiftCardMall, so no dice there. Just use a card on which you’re trying to meet a spending requirement (proceed with caution if it is an Amex spending requirement) or the card you have which earns the best return on everyday spend. […]
[…] There are many reasons you may want to increase credit card spend. You may need to meet spend requirements on several new credit cards in order to earn huge signup bonuses. Or, perhaps you want to earn high level elite status or other big spend bonuses, as Greg does with Delta. Or, perhaps you simply want to earn extra rewards using cards with big category bonuses, or big rewards for everyday spend. […]
[…] Payment is processed by GiftCardMall/Blackhawk Network, so there’s sadly no 5x opportunity here. That said, it could be an opportunity to pick up spend on whichever card offers you the best return on everyday spend. […]
[…] If you can’t earn any category bonuses, you can always look to our guide to the best cards for everday spend. […]
[…] Longer answer: If you spend exactly $20K with this offer in non-bonus categories, you’ll earn a total of 65K points since the card offers 2X for base spend. So, that comes to 3.25 points per dollar if you spend exactly $20K, $40K, or $60K. With the Marriott Reasonable Redemption Value of 0.72 cents per point, that means that you can average 2.34% in rewards. That’s good, but not good enough for me to recommend committing all of your spend to this Marriott card. Plus, it’s not even as good as the usual value of some competing cards. See: Best cards for everyday spend. […]
[…] verdict changes for big spenders who don’t have another card great for everyday spend (see our list of best options here). The Chase Sapphire Preferred card earns 2X for travel and dining, and 1X everywhere else. The […]
[…] Best cards for everyday spend (X1 may end up on this list someday) […]
This really nice resource would be even more useful if people could limit (filter) the results to the cards they actually have (or are thinking of getting).
Is this something you guys can do here, or does it need a spreadsheet? (The problem with that would be keeping it up to date.)
For example, I have an Amex offer, good at small businesses, for $5 off $10 for multiple uses. Then there are Marriott, Amex, Chase offers for restaurants, gas, groceries etc.
What do you think, Greg?
I don’t think we can do that without basically creating an app. There are apps that do this (but unfortunately they don’t use our RRVs). Anyway, I understand why you’d want this, but it’s not likely something we would invest in anytime soon.