Holiday Shopping Savings Tips & Tools

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With the hot holiday shopping season just around the corner, many of us will be hunting for great deals on everything from travel to gifts to home appliances and a lot more. The hype of “Black Friday Prices” keeps creeping earlier each year, but not every deal is a good one. On the other hand, some deals can get better-than-advertised with the right stacking techniques. This guide combines aspects from various deal-hunting guides we’ve written into an all-encompassing holiday shopping preparation guide to help you score the best deals and greatest return on holiday shopping spend.

Online shopping laptop

Evaluating deals against historical Amazon prices using CamelCamelCamel

CamelCamelCamel.com is a tool I’ve been using for years to compare current pricing against historical pricing and I find it particularly useful at times like these when items are discounted across many retailers. Historical pricing information can help you quickly see whether a “deal” price is actually special or just a typical discount that repeats regularly. You can either type the name of an item or copy and paste the Amazon URL for the product into the search box at CamelCamelCamel:

Click the image to go to CamelCamelCamel.com

For instance, at the time of writing, this pair of Bose Soundlink around-ear wireless headphones II (our affiliate link) is on sale for $149 (with a list price of $229 crossed out).

When I copy and paste the URL into camelcamelcamel, it will show me a historical pricing graph where I can see Amazon’s pricing (I could also check 3rd party new and used prices as well if I were reselling and wanted to get an idea of the trends).

That data is incredibly useful for me. I can see the general trend in graph form as well as the highest / lowest prices and the last 5 price changes. That’s helpful on just about any product as I find the Amazon price to be a decent barometer of the marketplace as a whole. (in that specific instance, I can see that the current price is the lowest it has been — stack that with 40% off up to $40 off when using 1 Amex Membership Rewards point and you have yourself quite a deal on that specific pair of headphones!).

While there are some situations where camelcamelcamel might not tell the full story (e.g. there may have been a stacking coupon or Amex offer that made a past deal better-than-the-advertised-price), it’s a good start in determining if a price is so good that I need to make a move now or if the price regularly fluctuates.

Use pay-with-points discounts

Amazon frequently offers a discount when you pay using at least 1 Amex Membership Rewards point, 1 Chase Ultimate Rewards point, or 1 Citi ThankYou point. Sometimes these discounts are relatively small, but other times they can be pretty significant (we’ve seen as high as 50% back on up to $120 or also occasionally seen 20% off on up to $500).

It usually makes no sense to use points to cover Amazon purchases since you’ll get less than a penny per point in value, but using one point to get a good discount can be worth it.

We have occasionally seen these discounts become even better-than-advertised. For instance, a few years ago we wrote about a deal where paying with one point was taking the discount as a percentage of the item’s price at full retail value and subtracting that amount from the sale price, which made for an outstanding deal. I wouldn’t expect to see that exact deal repeat, but it’s always good to keep in mind those things that have worked in the past when hunting for what works today.

Monitor shopping portals

During the Black Friday period, CashBackMonitor has been known to sometimes refresh their feed more than the usual once-per-day. Keep an eye out for mid-day changes in cash back as portals compete for your business over the coming weeks.

Don’t forget to compare portal payouts and leverage opportunities to Extreme Stack by combining current Amex Offers, gift cards, and opportunities to double and triple dip (see our Instant Gift Card Deals resource page for options to buy and receive gift cards instantly or near-instantly and save). Remember that in most cases, card-linked offers like Amex Offers or Chase Offers can be stacked with shopping portal rewards (often even in situations where terms suggest that you need to use a specific link, though when in doubt it’s worth asking in our Frequent Miler Insiders Facebook group about what has worked in the past).

Capital One Shopping toolbar and/or app for targeted offers?

Worth an honorable mention of its own is Capital One Shopping. Note that Capital One Shopping refers to the public shopping portal (and associated app), which does not require being a Capital One cardholder.

The Capital One Shopping portal offers “cash back” rewards like any other portal, but the catch is that you can only take rewards earned as gift cards to popular retailers. In other words, if you earn $100 in “cash back” through Capital One Shopping, you must redeem those rewards for gift cards to places like Amazon, Walmart, Best Buy, or many other retailers.

However, Capital One Shopping is notable for sometimes having targeted offers that are significantly higher than what you’d ordinarily find through other competitors.

Many who have installed the Capital One Shopping toolbar in their web browser have reported receiving great targeted offers. For instance, Greg reported receiving an offer for 30% back on an item at Sak’s Fifth Ave and 18% back at IHG hotels. I’ve heard of similarly-great offers at retailers like Dell.

The Capital One Shopping app also sometimes has targeted offers that are better than what you’ll find on the Capital One Shopping website. For instance, we’ve recently seen the app offer 6-8% back at GiftCards.com at times when the website only shows 4% back.

Stack card-linked offers with portals or other card-linked offers

Stephen's top 6 card-linked programs

Card-linked offers, particularly those that can be stacked with other card-linked offers and/or shopping portals, are where savings can get really juicy at times when items are also deeply discounted.

There are many forms of card-linked offers that can make deals even better-than-advertised. Card-linked deals include both issuer-offered deals that you sync via your bank login (like Amex Offers, Chase Offers, Bank of America Deals, or Citi Merchant Offers) and also offers that you sync and/or trigger by linking a card number to a specific service (like Rakuten card-linked offers, Dosh, SimplyMiles, and Visa Savings Edge). See Card-Linked Programs & The Networks They Run On (AKA Which Programs Stack) for a full overview of such programs (and/or Beauty In The Eye Of The Cardholder: Stephen’s Top 6 Card-Linked Programs for just a few program highlights).

As shown in the full card-linked offer resource, it is possible (in some cases) to stack several card-linked offers on a single purchase. For instance, you may have a Chase Offer on your Chase Freedom Flex Mastercard for 15% back on IHG. Since that is a Mastercard, you may be able to link a SimplyMiles offer for American Airlines miles on an IHG purchase (I mean this as an example that we’ve seen in the past, though there is no such offer in my account at the time of writing). Click through a shopping portal like Rakuten when they offer an increased rate and you may be able to stack the Rakuten portal payout, the Chase Offer for a statement credit, and the American Airlines miles through SimplyMiles all on a single purchase. If you were able to stack all of those things with, for example, a special IHG Black Friday sale on hotels, you may come out nicely ahead of the advertised deal.

Keep in mind that in some cases you may be able to stack “in-store” rewards offers with shopping portal offers. For instance, if Rakuten offers in-store cash back at a particular retailer where you intend to shop, it may trigger even when shopping online since such offers are sometimes triggered by any purchase processed by that retailer. It is worth synching up the card(s) you intend to use with any card-linked in-store offers before shopping online and then clicking through a shopping portal to see if you can stack both (keeping in mind that bank-linked offers like Amex Offers or Chase Offers will likely also stack).

Stack card benefits with portals and card-linked offers

In some cases, you may be able to up the ante a notch further by stacking all of the above with card-specific benefits.

For instance, the Amex Business Platinum card offers a $200 credit for purchases at Dell twice per year (once between January and June and once between July and December). There are also sometimes Amex Offers for Dell, which may show up on an Amex Business Platinum card. You then may be able to stack the card benefit with the Amex Offer and a shopping portal payout on a single purchase.

If you find an offer like this on a Business Platinum card, it should stack with that card’s twice-annual Dell credit.

Slickdeals Live View: Watch the deals as they get posted

If you’re having trouble keeping up with which deals are going on and are looking to hop on the hottest deals before they’re gone, here’s a quick tip if you’ve got a fast eye: Slickdeals Live View.

Click the picture or go to slickdeals.net/live

As you can see in the picture above, there are 3 columns in the Live View — Latest PostsLatest Threads, and Latest Rating. The Latest Posts column scrolls as people comment on deals. I find this super useful because you’re constantly seeing the latest comments. Sometimes, there is a price mistake or stacking coupon or related deal mentioned within a thread that I might never have seen if not for this column. That said, it moves fast at times. It can be hard to keep up with it, but if you’re a deal hunter it can be worth the challenge.

The middle column, Latest Posts, shows each deal that gets posted as it gets posted. This way, you’ll see each deal as it gets posted, increasing your chances of being able to take advantage of new deals before they are gone. This is great for catching limited-quantity or hot deals.

The third column, Latest Ratings, shows you which posts recently got a thumbs up or down. Truth be told, I don’t pay much attention to that column.

Keep in mind that it can be a little overwhelming on big shopping days. Sometimes, things fly by and when you blink you’ll literally miss things. However, I find this view great for times like Black Friday and Amazon Prime Day.

Best credit cards for online holiday shopping

Best Credit Card Offers

When it comes to credit card rewards, you will of course earn the highest rate of return when spending toward a large intro bonus on a new credit card. See our Best Credit Card offers page for links to the current best publicly-available offers.

Keep in mind that some issuers offer instant card numbers upon approval and/or the ability to add a new card to PayPal, Apple Pay, Google Pay, etc. Amex frequently (but not always) offers this capability. Other issuers will often expedite new cards upon request (Chase is usually willing to overnight a new card at no cost to the customer upon request).

For card-specific or issuer-specific questions, posting a question in our Frequent Miler Insiders Facebook group can often be a great way to get a fast response.

Stack with refer-a-friend bonus

If you intend to open a new credit card to earn a welcome bonus, consider whether your significant other may be able to earn a bonus for referring you. For instance, thanks to Amex multi-referrals, you may be able to have a spouse refer you to the best offer and earn both the welcome offer and a referral bonus for your spouse.

Best category bonus: online shopping

See our Best Category Bonuses page for a complete list of the cards offering the best return in various spending categories. Very few currently-available credit cards offer a bonus category for online shopping, but there are a few that currently do:

Amex Blue Cash Everyday

Card Name w Details No Review (no offer)
Blue Cash Everyday® Card from American Express

Annual Fee: $0

Card Type: Amex Credit Card

Base
1%
Gas
3%
Grocery
3%
Shop
3%

Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back at US gas stations on up to $6,000 per year, then 1%. ⚬ 3% cash back on U.S. online retail purchases on up to $6,000 per year, then 1% ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Get $7 back each month after using your Blue Cash Every Day card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle. Terms Apply. (Rates & Fees)

The Amex Blue Cash Everyday offers a better-than-average return of 3% back for online retail purchases on up to $6,000 in purchases per year, then 1%.

Bank of America Customized Cash Rewards

Card Name w Details No Review (no offer)
Bank of America Customized Cash Rewards

Annual Fee: $0

Card Type: Visa Signature

Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%

Earning rate: 3% back on your choice of the following: gas, online shopping, 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

Noteworthy perks: Up to 75% bonus for Preferred Rewards banking customers

The Bank of America Customized Cash Rewards card allows you to select  your own bonus category: Choose a category in which to earn 3% cash back on up to $2500 in purchases per quarter. One of the category options is online shopping. This is particularly interesting because of the fact that those with Bank of America’s top-tier Platinum Honors status can get a 75% bonus — making for a return of up to 5.25% back in the category of your choice. That is an excellent return for holiday shopping, particularly when stacked with other things in this post.

M1 Owners card*

Card Name w Details No Review (no offer)
The Owner's Rewards Card by M1

Annual Fee: First year free, then $95

Card Type: Visa Signature

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.

Noteworthy perks: As much as 10% back in rewards at select retailers. Note that cash back rewards are limited to $200 back per calendar month.

I’m including the M1 Owners card here for completeness since it advertises as much as 10% back at select retailers. I don’t have this card and am not familiar with its cash back structure, but my educated guess is that this works with a service like Dosh facilitating card-linked cash back at select retailers — meaning that you can probably earn a similar return on other cards by linking to a service like Dosh (and then stack that return with the rewards earned on your credit card). If any readers have the M1 card and can comment as to the rewards earning and ability to link the card to other card-linked programs, let us know in the comments.

Best cards for everyday spend

Outside of credit card welcome bonuses and the online shopping category bonus, your best bet for holiday purchases will likely be the best card in your wallet for everyday spend. The top cards in the table below offer great rewards regardless of where they’re used.  Our entire database of credit cards is contained below, shown 10 cards at a time, and sorted with the best everyday everywhere-else rewards on top. For more on this list and how it is created, see Best Cards for Everyday Spend.

Card Info Name and Earning Rate (no offer)
The Blue Business® Plus Credit Card from American Express
Base
Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)
X1 Card (After $15K annual spend & under $7.5K per month)
Base
Earning rate: After spending $15,000 within your cardmember year, the base earning rate becomes 3x. This is applied for both the first $15K of spend and future spend within the same cardmember year. Note that there is a $7,500 monthly cap on 3x rewards
Paceline Credit Card (Enhanced Earnings When Meeting Fitness Goals)
Base
3%
Grocery
5%
Shop
5%
Other
5%
Earning rate: When meeting fitness goals each week, earn 5% for groceries, drugstores, sporting goods, fitness, and athletic apparel ⚬ 3% everywhere else. Requires completing 3 days of 50 minutes elevated heartrate, otherwise earn 2.5% and 1.5%, respectively.
Discover it Miles (First Year)
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.
Capital One Venture X Rewards Credit Card
Base
Travel
Other
Earning rate: 10X on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else.
Capital One Venture Rewards Credit Card
Base
Travel
Other
Earning rate: 2X everywhere ⚬ 5X on hotels and rental cars booked via Capital One Travel
Capital One Spark Miles for Business
Base
Travel
Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel
Citi Double Cash Card
Base
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)
Bank of America Premium Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
3.5X
(3.5%)
Dine
3.5X
(3.5%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ⚬ 2.625X everywhere else
Bank of America Travel Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Business Advantage Unlimited Cash Rewards credit card (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Bank of America Unlimited Cash Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Amtrak Guest Rewards Platinum Mastercard
Base
Dine
Brand
Earning rate: ⚬ 2X Amtrak ⚬ 2X dining ⚬ 1X elsewhere
Amtrak Guest Rewards® Preferred Mastercard®
Base
Travel
Dine
Brand
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel, dining, transit, and rideshare ⚬ 1X elsewhere
Alliant Cashback Visa Signature Card
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)
Spirit Airlines World Mastercard®
Base
Earning rate: 2X everywhere
The Amex EveryDay Preferred Card (with 30 purchases per billing cycle)
Base
Gas
Grocery
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.
Ink Business Unlimited® Credit Card
Base
Other
Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2025
Chase Freedom Unlimited
Base
Travel
Dine
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else
Wells Fargo Cash Wise Visa® Card
Base
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
Hotels.com Rewards Visa Credit Card
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.
Capital One Spark Miles Select Business Credit Card
Base
Travel
Earning rate: 1.5X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel
Barclays Arrival® Premier World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Barclaycard Arrival Plus® World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
X1 Card
Base
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.
Capital One Spark Cash Plus
Base
2%
Travel
5%
Earning rate: 2% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
American Express Blue Business Cash™ Card
Base
2%
Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.
Paypal Cashback Mastercard
Base
2%
Earning rate: 2% cash back everywhere
UBS Cash Rewards Visa Business
Base
2%
Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1%
Capital One Spark Cash Business Credit Card
Base
2%
Earning rate: 2% everywhere
Chase Ink Business Premier℠
Base
2%
Other
5%
Earning rate: 2.5% cash back on purchases of $5,000 or more ⚬ 5% back on travel purchased through Chase Ultimate Rewards ⚬ 2% cash back on all other spend
Fidelity Rewards Visa
Base
2%
Earning rate: 2X everywhere
Evergreen® by FNBO Credit Card
Base
2%
Earning rate: 2% everywhere
SoFi Credit Card
Base
2%
Earning rate: 2X everywhere
United Club Business Card
Base
Brand
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
Air France KLM World Elite Mastercard
Base
Brand
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
Virgin Atlantic World Elite Mastercard
Base
Brand
Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else
The Amex EveryDay Card (with 20 purchases per billing cycle)
Base
Grocery
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
Capital One VentureOne Rewards Credit Card
Base
1.25X
(1.81%)
Travel
Other
Earning rate: 1.25X everywhere ⚬ 5X on hotels and rental cars booked via Capital One Travel
Chase IHG® Rewards Premier Business Credit Card
Base
Travel
Dine
Gas
Office
Brand
10X
(6%)
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
Chase IHG® Rewards Premier Credit Card
Base
Travel
Dine
Gas
Brand
10X
(6%)
Earning rate: 10X IHG ⚬ 5X travel, dining, and gas stations ⚬ 3X on all other purchases
Citizens Bank Cash Back Plus® World Mastercard®
Base
1.8%
Dine
10%
Gas
10%
Other
10%
Earning rate: 10% back on gas, restaurants, and entertainment on up to $500 in purchases each month for first six months
Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
1.75%
Travel
5.25%
Dine
3.5%
Gas
5.25%
Phone
5.25%
Office
5.25%
Biz
5.25%
Earning rate: With Platinum Honors status with Bank of America's 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.
Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards)
Base
1.75%
Travel
5.25%
Dine
5.25%
Gas
5.25%
Grocery
3.5%
Shop
5.25%
Other
5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Chase World of Hyatt Business Credit Card
Base
Brand
Earning rate: ⚬ 2X in the top 3 spend categories each calendar quarter through 12/31/23 (then the top 2 categories after that). 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
Chase World of Hyatt Credit Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt
The Platinum Card® from American Express
Base
Travel
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
American Express® Gold Card
Base
Travel
Dine
Grocery
Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)
American Express® Green Card
Base
Travel
Dine
Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See
Business Green Rewards Card from American Express
Base
Travel
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.
American Express® Business Gold Card
Base
Travel
Dine
Gas
Biz
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
The Business Gold Rewards Card from American Express
Base
Travel
Gas
Biz
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
The Business Platinum Card® from American Express
Base
Travel
Other
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ⚬ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ⚬ 1X elsewhere ⚬ Terms apply.
The Amex EveryDay® Credit Card from American Express
Base
Grocery
Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases
The Amex EveryDay® Preferred Credit Card from American Express
Base
Gas
Grocery
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.
Bilt Mastercard
Base
Travel
Dine
Earning rate: Must use your card for 5 purchases per month, then: 3x Dining ⚬ 2x Travel ⚬ 1x rent (up to 50,000 points per year) ⚬ 1x everywhere else
The Morgan Stanley Credit Card from American Express
Base
Travel
Dine
Shop
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
The Platinum Card® from American Express for Schwab
Base
Travel
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
The Platinum Card® from American Express Exclusively for Morgan Stanley
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel
Marriott Bonvoy Bountiful™ Card
Base
Dine
Grocery
Brand
Earning rate: 6X Marriott.⚬ 4X restaurants & grocery on up to $15K spend per year ⚬ 2X everywhere else
Marriott Bonvoy Premier Plus Business
Base
Gas
Phone
Biz
Brand
Earning rate: 6X Marriott ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.
Marriott Bonvoy Boundless® Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 3X gas stations, grocery stores, and dining on up to $6K in combined purchases each year ⚬ 2X everywhere else
Marriott Bonvoy Bevy™ American Express Card
Base
Dine
Grocery
Brand
Earning rate: 6X Marriott.⚬ 4X restaurants & grocery on up to $15K spend per year ⚬ 2X everywhere else
Marriott Bonvoy Business® American Express® Card
Base
Dine
Gas
Phone
Biz
Brand
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)
Marriott Bonvoy™ American Express® Card
Base
Brand
Earning rate: 6X Marriott ⚬ 2X on all other eligible purchases
Chase Ritz Carlton Rewards Visa Infinite
Base
Travel
Dine
Brand
Earning rate: ⚬ 6X Ritz & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else
Marriott Bonvoy Brilliant™ American Express® Card
Base
Travel
Dine
Brand
Earning rate: 3X airfare charged by airline; 3X US restaurants, 6X Marriott; 2X on all other eligible purchases
Ink Business Cash® Credit Card
Base
Dine
Gas
Phone
Office
Other
Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X on the first $25K in combined purchases at gas stations and restaurants each cardmember year ⚬ 5X Lyft through March 2025
Chase Freedom Visa
Base
Shop
Other
Earning rate: 5X Lyft through March 2025; 5X in rotating categories on up to $1,500 spend per quarter. 2022 Q2: 5x Amazon and select streaming services
Chase Ink Plus® Business Credit Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft through March 2025
Chase Freedom Flex
Base
Dine
Shop
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2025 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. 2022 Q2: 5x Amazon and select streaming services
Chase Sapphire Reserve Card
Base
Travel
Dine
Other
Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2025)
Chase Ink Business Preferred Card
Base
Travel
Phone
Biz
Other
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2025
Chase Sapphire Preferred® Card
Base
Travel
Dine
Other
Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2025)
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Base
Travel
Gas
Grocery
Phone
Other
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).
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).
U.S. Bank Altitude Reserve Visa Infinite Card
Base
Travel
Dine
Shop
Other
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ⚬ 3X travel and mobile wallet payments ⚬ 3X dining & food delivery through 6/30/21
Wells Fargo Propel American Express® Card
Base
Travel
Dine
Gas
Other
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Wells Fargo Visa Signature Card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
U.S. Bank FlexPerks® Gold American Express® card
Base
Travel
Dine
Gas
Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines
Wells Fargo Rewards Visa® card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
UBS Visa Signature
Base
Earning rate:
UBS Visa Infinite
Base
Travel
Gas
Grocery
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
UBS Visa Infinite Business
Base
Travel
Phone
Office
Biz
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
Business Advantage Unlimited Cash Rewards credit card
Base
1.5X
(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.
Bank of America Travel Rewards
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
BOA Business Advantage Travel Rewards World Mastercard
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
FNBO TravElite Credit Card
Base
1.5X
(1.5%)
Travel
Earning rate: ⚬ 3X Travel ⚬ 1.5X everywhere else
Discover it Business - Double cash back your first year
Base
1.5X
(1.5%)
Earning rate: 1.5% cash back for all spend.
BECU Cash Back Visa credit card
Base
1.5%
Earning rate: 1.5% everywhere
Santander® Ultimate
Cash Back® credit card
Base
1.5%
Earning rate: 1.5% everywhere
The Owner's Rewards Card by M1
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.
The Comenity® Mastercard® Credit Card
Base
1.5%
Earning rate: 1.5% everywhere
Capital One Quicksilver
Base
1.5%
Travel
5%
Other
5%
Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
Bank of America Premium Rewards
Base
1.5%
Travel
2%
Dine
2%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Bank of America Premium Rewards Elite
Base
1.5%
Travel
2%
Dine
2%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Schwab Investor Card® from American Express
Base
1.5%
Earning rate: 1.5% on all eligible purchases
American Express Cash Magnet® Card
Base
1.5%
Earning rate: 1.5% on all eligible purchases
Wells Fargo Business Platinum Visa® card
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.
Paceline Credit Card
Base
1.5%
Grocery
2.5%
Shop
2.5%
Other
2.5%
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.
Capital One Spark Cash Select – $500 Cash Bonus
Base
1.5%
Travel
5%
Earning rate: 1.5% everywhere ⚬ 5% on hotels and rental cars booked via Capital One Travel
Barclaycard CashForward
Base
1.5%
Earning rate: 1.5% everywhere
Discover it Miles - Double Miles your first year
Base
1.5%
Earning rate: 1.5 miles per dollar for all spend.
AT&T Access More Card
Base
Travel
Shop
Brand
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
AT&T Access Card
Base
Travel
Shop
Brand
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
AT&T Points Plus Card
Base
Gas
Grocery
Earning rate: ⚬ 3 points per $1 at gas stations ⚬ 2 points per $1 oat grocery stores ⚬ 1 point per $1 on all other purchases
Citi Business ThankYou Card
Base
Other
Earning rate: 3X rotating quarterly categories
Citi Prestige Card
Base
Travel
Dine
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
Citi Premier Card
Base
Travel
Dine
Gas
Grocery
Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies
Citi Preferred Card
Base
Dine
Other
Earning rate: 2X dining and entertainment
Citi Rewards+ Card
Base
Gas
Grocery
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
Citi Rewards+ Student Card
Base
Gas
Grocery
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
Citi Custom Cash Card
Base
Travel
Dine
Gas
Grocery
Other
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
Southwest Rapid Rewards® Priority Credit Card
Base
Travel
Phone
Brand
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.
Chase Southwest Airlines Rapid Rewards® Plus Card
Base
Travel
Phone
Brand
Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest
Chase Southwest Airlines Rapid Rewards® Premier Business Card
Base
Travel
Brand
Earning rate: 3X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases.
Southwest® Rapid Rewards® Performance Business Credit Card
Base
Travel
Phone
Biz
Brand
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.
Chase Southwest Airlines Rapid Rewards Premier Credit Card
Base
Travel
Brand
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.
Brex Cash
Base
Travel
Dine
Biz
Other
Earning rate: 8x Rideshare ⚬ 5x Brex Travel ⚬ 4x Restaurants ⚬ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ⚬ 1x everywhere else
Choice Privileges® Visa Signature® Card issued by Barclays
Base
Brand
Earning rate: 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else
JetBlue Business Card
Base
Dine
Office
Brand
Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else
Barclays JetBlue Plus Mastercard
Base
Dine
Grocery
Brand
Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else
JetBlue Card
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
Korean Air SKYPASS Business Visa issued by US Bank
Base
Travel
Gas
Brand
Earning rate: 2X miles on Korean Air, Gas Stations, Hotels
AAdvantage® AviatorTM Silver World Elite MasterCard®
Base
Travel
Brand
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
Korean Air SKYPASS Select Visa issued by US Bank
Base
Travel
Brand
Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels
Korean Air SKYPASS Visa issued by US Bank
Base
Brand
Earning rate: 2X Korean Air
Virgin Atlantic White Card
Base
Brand
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
Alaska Airlines Visa Business Card
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
Asiana Airlines Visa Signature
Base
Gas
Grocery
Brand
Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.
JAL USA CARD
Base
Earning rate:
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Base
Dine
Gas
Brand
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
American Airlines AAdvantage MileUp Card
Base
Grocery
Brand
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
CitiBusiness AAdvantage Platinum Select World MasterCard
Base
Travel
Gas
Phone
Brand
Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas
Asiana Airlines Visa Business Card
Base
Brand
Earning rate: 2X Asiana
Alaska Airlines Visa Signature
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
The Aeroplan® Card
Base
Dine
Grocery
Brand
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
Avianca Vida Visa Card
Base
Brand
Earning rate: 2X Avianca
Chase United Quest Card
Base
Travel
Dine
Brand
Other
Earning rate: 3X United ⚬ 2X restaurants including eligible delivery services ⚬ 2X on all other travel ⚬ 2X select streaming
Chase United℠ Explorer Card
Base
Travel
Dine
Brand
Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays
AAdvantage Aviator Red World Elite MasterCard
Base
Brand
Earning rate: ⚬ 2X AA ⚬ 1X everywhere else
United Gateway Card
Base
Gas
Brand
Other
Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting
United Club℠ Infinite Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 4X United ⚬ 2X dining & travel
United℠ Business Card
Base
Dine
Gas
Office
Other
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
AAdvantage® AviatorTM Business MasterCard®
Base
Travel
Phone
Office
Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else
TD Aeroplan™ Visa® Credit Card
Base
Brand
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
Avianca Vuela Visa Card
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America
PenFed Pathfinder Rewards
Base
Travel
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.
Upromise World MasterCard® issued by Barclays
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.
Hilton Honors American Express Business Card
Base
Travel
Dine
Gas
Phone
Biz
Brand
Other
Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases
Hilton Honors American Express Surpass® Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Hilton Honors American Express Aspire Card
Base
Travel
Dine
Brand
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.
Hilton Honors American Express Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Chase IHG® Rewards Traveler Credit Card
Base
Dine
Gas
Phone
Brand
Other
Earning rate: ⚬ 5X IHG ⚬ 3x dining, gas stations utilities, cable, Internet, phone, and select streaming services ⚬ 2X everywhere else
Delta SkyMiles® Gold Credit Card from American Express
Base
Dine
Grocery
Brand
Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets
Delta SkyMiles® Reserve Business American Express Card
Base
Brand
Other
1.5X
(1.8%)
Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K
Emirates Skywards Rewards World Elite Mastercard
Base
Travel
Brand
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Delta SkyMiles® Gold Business American Express Card
Base
Dine
Brand
Other
Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants
Delta SkyMiles® Blue Credit Card from American Express
Base
Dine
Brand
Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases
Emirates Skywards Premium World Elite Mastercard
Base
Travel
Brand
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Delta SkyMiles® Platinum Business American Express Card
Base
Travel
Brand
Other
1.5X
(1.8%)
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)
Delta SkyMiles® Platinum Credit Card from American Express
Base
Travel
Dine
Grocery
Brand
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets
Free Spirit Travel More Mastercard
Base
Dine
Grocery
Brand
Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else
Free Spirit Travel Mastercard
Base
Brand
Earning rate: 2X Spirit
CNB Crystal Visa Infinite Credit Card
Base
Travel
Dine
Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else
Chase British Airways Visa Signature® Card
Base
Travel
Brand
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Chase Aer Lingus Visa Signature® Card
Base
Travel
Brand
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Cathay Pacific Visa Signature card
Base
Dine
Brand
Other
Earning rate: ⚬ 2X Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else
Chase Iberia Visa Signature® Card
Base
Travel
Brand
Earning rate: 3X British Airways. Iberia, Aer Lingus, and LEVEL ⚬ 2X hotel accommodations booked directly with the hotel ⚬ 1X elsewhere
Best Western Rewards Premium MasterCard issued by First Bankcard
Base
Brand
Earning rate: 10X at Best Western properties ⚬ 2X elsewhere
BB&T Spectrum Rewards
Base
1.05X
(1.05%)
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%
HSBC Premier World Elite Mastercard® credit card
Base
Travel
Dine
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ⚬ 2x dining
Norwegian Cruise Line® World Mastercard®
Base
Travel
Brand
Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel
Royal Caribbean® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Celebrity Cruises® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Allegiant World Mastercard® Credit Card
Base
Dine
Brand
Earning rate: 3x Allegiant ⚬ 2x dining
Wells Fargo Autograph℠ Card
Base
Travel
Dine
Gas
Phone
Other
Earning rate: 3X travel & transit, gas, phone plans (wireless and landline) and streaming services
Barclays Arrival™ World MasterCard®
Base
Travel
Dine
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
TD First Class Visa Signature® Card
Base
Travel
Dine
Earning rate: 3X travel & dining
Verizon Visa Card
Base
Dine
Gas
Grocery
Brand
Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else
HSBC Premier World Mastercard® credit card
Base
Travel
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
BBVA
ClearPoints Credit Card
Base
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.
Discover it®
Base
Gas
Other
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2022 Q2: 5% gas stations and Target
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
Base
Dine
Gas
Grocery
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services
Discover it® for Students
Base
Gas
Other
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2022 Q2: 5% gas stations and Target
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD
Base
Travel
Dine
Gas
Grocery
Other
Earning rate: 4X travel and gas stations ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
TD Cash Visa Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% dining ⚬ 2% grocery stores
BBVA Compass Select
Base
1%
Travel
2%
Dine
3%
Other
4%
Earning rate: 4x entertainment ⚬ 3x dining ⚬ 2x travel
SimplyCash® Plus Business Credit Card from American Express
Base
1%
Travel
3%
Gas
3%
Phone
5%
Office
5%
Biz
3%
Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Amazon Prime Rewards Visa
Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Brand
5%
Other
2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 5% back at Whole Foods ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and drugstores ⚬ 1% back on all other purchases
Amazon Business Prime American Express Card
Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases
“Old” Blue Cash Card from American Express
Base
1%
Grocery
5%
Other
5%
Earning rate: ⚬ Up to 5% Cash Back at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ⚬ Up to 1% Cash Back 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.
Blue Cash Everyday® Card from American Express
Base
1%
Gas
3%
Grocery
3%
Shop
3%
Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back at US gas stations on up to $6,000 per year, then 1%. ⚬ 3% cash back on U.S. online retail purchases on up to $6,000 per year, then 1% ⚬ 1% cash back on other purchases ⚬ Terms apply.
Blue Cash Preferred® Card from American Express
Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%
Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ $7 monthly credit on Disney Bundle subcription of $13.99 or more ⚬ Terms apply.
U.S. Bank Business Cash Rewards World Elite Mastercard
Base
1%
Gas
3%
Phone
3%
Office
3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Base
1%
Dine
3%
Gas
3%
Phone
3%
Office
3%
Earning rate: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
BBVA Compass NBA American Express Card
Base
1%
Gas
2%
Grocery
2%
Brand
3%
Other
5%
Earning rate: 2X gas and grocery ⚬ 3X NBA purchases ⚬ 5X on all purchases during the NBA All-Star Weekend and two weeks of the NBA finals
Morgan Stanley Blue Cash Preferred® American Express Card
Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%
Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back 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.
Disney Visa Card
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 signup bonus makes it worth a look.
Simon® American Express® Credit Card from Cardless
Base
1%
Brand
5%
Other
3%
Earning rate: Up to 5% back on eligible purchases at participating Simon destination retailers, along with select
online purchases. ⚬ Up to 3% back on all eligible purchases made at Simon
destinations ⚬ Up to 1.5 percent back on all other purchases.
TD Business Solutions Visa
Base
1%
Dine
2%
Gas
2%
Phone
3%
Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations
U.S. Bank Business Leverage® Visa Signature® Card
Base
1%
Other
2%
Earning rate: 2x on top two categories where you spend the most each month.
Bank of America Customized Cash Rewards
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 3% back on your choice of the following: gas, online shopping, 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
AAA Member Rewards Visa Signature Card
Base
1%
Travel
3%
Gas
2%
Grocery
2%
Shop
2%
Brand
3%
Other
2%
Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Bank of America Business Advantage Cash Rewards Mastercard
Base
1%
Travel
3%
Dine
2%
Gas
3%
Phone
3%
Office
3%
Biz
3%
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.
Venmo Credit Card
Base
1%
Earning rate: 3% on your eligible top spend category (6% through 12/31) ⚬ 2% on your second top category (4% through 12/31/21) ⚬ 1% everywhere else (2% through 12/31/21) ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment
Costco Anywhere Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Earning rate: ⚬ 4% gas and EV charging (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else
Costco Anywhere Business Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Brand
2%
Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else
Citi Dividend Platinum Select
Base
1%
Grocery
5%
Other
5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. 2022 Q2: 5% at grocery stores and drugstores
ABOC Platinum Rewards
Base
1%
Dine
5%
Grocery
5%
Shop
5%
Other
5%
Earning rate: 5x in rotating categories, up to $1500 spend per quarter. 2021 Q4: Dining, Groceries, Liquor Stores, Amazon.com
AARP Credit Card from Chase
Base
1%
Dine
3%
Gas
3%
Earning rate: 3% restaurants and gas stations.
Huntington Voice
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
3%
Shop
3%
Office
3%
Biz
3%
Other
3%
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
Ridgewood Savings Bank World Mastercard
Base
1%
Travel
2%
Dine
3%
Earning rate: 3x travel & dining ⚬ 2x gas
SEFCU Lightning Credit Card®
Base
1%
Grocery
3%
Shop
5%
Earning rate: 5x online purchases until 1/31/21 ⚬ 3x grpcery on up to $1250 per quarter
Capital One SavorOne Cash Rewards Credit Card
Base
1%
Travel
5%
Dine
3%
Grocery
3%
Other
3%
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores ⚬ 1% everywhere else ⚬ 10% cash back on Uber & Uber Eats through 11/14/24 ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel
U.S. Bank Cash+®
Base
1%
Travel
5%
Dine
2%
Gas
2%
Grocery
2%
Shop
5%
Phone
5%
Other
5%
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores
NBT Bank Everyday Rewards+ Card
Base
1%
Dine
4%
Gas
2%
Grocery
2%
Earning rate: 4x Dining, takeout, & delivery ⚬ 2x grocery stores, grocery delivery, gas station, and streaming services ⚬ 1x everywhere else
Affinity Cash Rewards Visa® Signature Credit Card
Base
1%
Dine
2%
Gas
2%
Grocery
2%
Other
5%
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $3500 in purchases per month) ⚬ Extra 5% back in rotating categories (Q2 2021: Clothing & Accessories, Home Supplies, Drug Stores) ⚬ 2% back at restaurants, gas stations, and supermarkets
Capital One Savor
Base
1%
Travel
5%
Dine
4%
Grocery
3%
Other
4%
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ⚬ 3% at grocery stores ⚬ 1% everywhere else ⚬ 8% cash back on Capital One Entertainment purchases ⚬ 5% on hotels and rental cars booked via Capital One Travel
PRICELINE REWARDS VISA® CARD
Base
1%
Dine
2%
Gas
2%
Brand
5%
Earning rate: Earn 5x on eligible Priceline.com purchases. Earn 2x on gas and restaurants.
Marvel MasterCard from Synchrony
Base
1%
Brand
3%
Other
3%
Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)
Miami Marlins Credit Card
Base
1%
Dine
3%
Brand
5%
Other
3%
Earning rate: 5x on Marlins tickets ⚬ 5% back on retail & concessions at IoanDepot Park ⚬ 3x on dining, food delivery, gas and drugstores ⚬ 1x on everything else
Liverpool FC Credit Card
Base
1%
Dine
3%
Brand
5%
Other
5%
Earning rate: 5x points on Liverpool FC merchandise at the Official Liverpool FC Store and on Liverpool FC ticket purchases, select rideshare and streaming services ⚬ 3x at bars, restaurants, and select delivery services ⚬ 1x everywhere else
Manchester United Credit Card
Base
1%
Dine
5%
Other
5%
Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else
Vantage West Connect Rewards
Base
1%
Gas
3%
Grocery
2%
Other
5%
Earning rate: 5x on up to $1500 in purchases per quarter in the category of your choice out of Travel, Restaurants, Utilities [water, cell, electric, etc.], In-Store Wholesale Purchases [Costco, Sam’s Club, etc.], Department Stores, Hardware & Home Improvement Stores, Charitable Organizations, Pharmacies & Drug Stores, Amazon.com ⚬ 3x gas ⚬ 2x groceries
Cleveland Cavaliers Credit Card
Base
1%
Dine
3%
Grocery
3%
Brand
5%
Earning rate: 5x Cavs season tickets and streaming services ⚬ 3x other Cavs tickets, dining, grocery, and delivery ⚬ 1x everywhere else
Disney Premier Visa Card
Base
1%
Dine
2%
Gas
2%
Grocery
2%
Brand
2%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else
AARP® Essential Rewards Mastercard®
Base
1%
Gas
3%
Other
3%
Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else
AARP® Travel Rewards Mastercard®
Base
1%
Travel
3%
Dine
2%
Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else
New Orleans Pelicans Credit Card
Base
1%
Dine
4%
Gas
4%
Brand
4%
Other
4%
Earning rate: 4x gas ⚬ 4x bars, restaurants, and select food delivery services ⚬ 4x on Pelicans tickets ⚬ 10% statement credit for concessions purchases at Smoothie King Center and at the in-venue and online Pelicans team store
Frontier Airlines World MasterCard®
Base
Dine
Brand
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
Wyndham Rewards Earner Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else
Wyndham Rewards Visa issued by Barclays
Base
Gas
Grocery
Brand
Other
Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else
Wyndham Rewards Earner Business Card
Base
Gas
Phone
Biz
Brand
Other
Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else
Wyndham Rewards Visa issued by Barclays (no annual fee)
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else
Wyndham Rewards Earner Plus Card
Base
Dine
Gas
Grocery
Brand
Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else
Sonesta World Mastercard
Base
Travel
Brand
Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta
Chase Marriott Bonvoy Premier
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Marriott.
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
Base
Dine
Gas
Grocery
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else