Every card, every rate
All 118 cards Cardful knows about, and what each one pays. This is the catalogue the extension ranks your own wallet from — the same rates, the same conditions, the same refusal to round.
A rate that only pays while you have its category switched on, or only through the issuer's travel portal, says so in the row. Rates nobody has re-checked against the issuer say that too, rather than sitting in a table that implies they were.
- Cash back
- American ExpressBlue Cash PreferredBlue Cash EverydayBlue Business Cash
- Capital OneSavorQuicksilverSavorOneQuicksilverOne
- DiscoverDiscover it Cash BackDiscover it MilesDiscover it Chrome
- Wells FargoActive CashAttune
- Bank of AmericaCustomized Cash RewardsPremium RewardsUnlimited Cash RewardsTravel RewardsBusiness Advantage Customized Cash RewardsBusiness Advantage Unlimited Cash RewardsBusiness Advantage Travel Rewards
- Amazon / ChasePrime VisaAmazon Visa
- CitiCostco Anywhere VisaCostco Anywhere Visa Business
- TargetTarget Circle Card
- Goldman SachsApple Card
- U.S. BankAltitude GoSmartly Visa SignatureCash+ Visa SignatureAltitude ConnectTriple Cash Rewards Visa BusinessBusiness Altitude Connect Visa SignatureBusiness Essentials Visa
- PenFedPathfinder Rewards
- FidelityFidelity Rewards Visa Signature
- RobinhoodRobinhood Gold Card
- SoFiSoFi Unlimited 2%
- Navy FederalMore Rewards American ExpresscashRewardsFlagship Premier Visa Signature
- Sam's Club / SynchronySam's Club Mastercard
- TruistEnjoy Cash
- OnePay / SynchronyOnePay CashRewards Mastercard
- ChaseInstacart MastercardDoorDash Rewards MastercardInk Business Premier
- PayPal / SynchronyPayPal Cashback Mastercard
- Venmo / SynchronyVenmo Visa Credit Card
- Points
- ChaseSapphire PreferredSapphire ReserveFreedom UnlimitedFreedomFreedom FlexFreedom RiseInk Business PreferredInk Business CashInk Business UnlimitedSapphire Reserve for Business
- American ExpressGold CardPlatinum CardBlue Business PlusClassic Green CardBusiness Gold CardBusiness Platinum CardBusiness Green Rewards CardAmex EveryDay PreferredAmex EveryDay
- CitiDouble CashCustom CashStrata PremierStrata EliteStrata
- Capital OneVenture XVenture RewardsVentureOne Rewards
- Wells FargoAutographAutograph Journey
- BiltBilt MastercardBilt Blue CardBilt Obsidian Card
- Airline
- American ExpressDelta SkyMiles GoldDelta SkyMiles PlatinumDelta SkyMiles ReserveDelta SkyMiles BlueDelta SkyMiles Gold Business CardDelta SkyMiles Platinum Business CardDelta SkyMiles Reserve Business Card
- ChaseUnited ExplorerRapid Rewards PriorityUnited QuestUnited GatewayRapid Rewards PlusUnited Club CardRapid Rewards PremierUnited Business CardUnited Club Business CardSouthwest Rapid Rewards Premier BusinessSouthwest Rapid Rewards Performance Business
- CitiAAdvantage Platinum SelectAAdvantage ExecutiveAAdvantage MileUpAAdvantage Business World Elite Mastercard
- Bank of AmericaAtmos Rewards Ascent Visa SignatureAtmos Rewards Summit Visa Infinite
- Hotel
- ChaseBonvoy BoundlessWorld of HyattIHG One Rewards PremierMarriott Bonvoy BoldIHG One Rewards TravelerMarriott Bonvoy BountifulWorld of Hyatt Business CardIHG One Rewards Business
- American ExpressHilton Honors SurpassHilton Honors CardHilton Honors AspireMarriott Bonvoy BrilliantMarriott Bonvoy BevyHilton Honors Business CardMarriott Bonvoy Business Card
Cash backPays in dollars
American Express
Blue Cash Preferred
American Express$95/yr, 2.7% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries | 6% | Up to $6,000 per year, then the base rate. US supermarkets only |
| Streaming | 6% | Select US streaming services |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 3% | |
| Gas Stations | 3% | US gas stations |
| Everything else | 1% |
Blue Cash Everyday
American ExpressNo annual fee, 2.7% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries | 3% | Up to $6,000 per year, then the base rate. US supermarkets only |
| Online Shopping | 3% | Up to $6,000 per year, then the base rate. US online retail |
| Gas Stations | 3% | Up to $6,000 per year, then the base rate. US gas stations |
| Everything else | 1% |
Blue Business Cash
American ExpressNo annual fee, 2.7% abroad Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 2% | Up to $50,000 per year, then the base rate. 2% on every purchase, with no bonus categories to track |
| Everything else | 1% |
Capital One
Savor
Capital OneNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Entertainment, Streaming, Groceries | 3% | Groceries exclude superstores like Walmart and Target |
| Everything else | 1% |
Quicksilver
Capital OneNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 5% | Only through the issuer's travel portal. Hotels and rental cars via Capital One Travel |
| Entertainment | 5% | Only through the issuer's travel portal. Capital One Entertainment purchases |
| Everything else | 1.5% |
SavorOne
Capital One$39/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Entertainment, Streaming, Groceries | 3% | Groceries exclude superstores like Walmart and Target |
| Everything else | 1% |
QuicksilverOne
Capital One$39/yr Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Discover
Discover it Cash Back
DiscoverNo annual fee, No foreign transaction fee, Categories rotate quarterly Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Food Delivery, EV Charging, Superstores, Home Improvement | 5% | Only while you have this category switched on. Up to $1,500 per quarter, then the base rate. Rotating category — you must activate it each quarter |
| Everything else | 1% |
Discover it Miles
DiscoverNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Discover it Chrome
DiscoverNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, Restaurants & Bars | 2% | Up to $1,000 per quarter, then the base rate. Gas and restaurants, first $1,000 combined each quarter |
| Everything else | 1% |
Wells Fargo
Active Cash
Wells FargoNo annual fee, 3% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 2% |
Attune
Wells FargoNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gyms & Fitness, Beauty | 4% | Self-care — gyms, exercise classes, salons and spas |
| Entertainment, Sporting Goods | 4% | Sports, recreation and entertainment |
| Public Transit, EV Charging | 4% | Planet-friendly spending — public transit, EV charging and select thrift stores |
| Everything else | 1% |
Bank of America
Customized Cash Rewards
Bank of AmericaNo annual fee, 3% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, Online Shopping, Restaurants & Bars, Public Transit, Entertainment, Drugstores, Food Delivery, EV Charging, Rideshare & Taxis, Car Rental, Vacation Rentals, Home Improvement | 3% | Only while you have this category switched on. Up to $2,500 per quarter, then the base rate. Your chosen category — $2,500 combined quarterly cap with the 2% tier |
| Groceries, Wholesale Clubs | 2% | Up to $2,500 per quarter, then the base rate |
| Everything else | 1% |
Unlimited Cash Rewards
Bank of AmericaNo annual fee, 3% abroad Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Travel Rewards
Bank of AmericaNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Business Advantage Customized Cash Rewards
Bank of AmericaNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging, Office & Shipping, Flights, Hotels, Car Rental, Vacation Rentals, Phone & Internet | 3% | Only while you have this category switched on. Up to $50,000 per year, then the base rate. Your chosen category — $50,000 a calendar year shared with dining |
| Restaurants & Bars | 2% | Up to $50,000 per year, then the base rate |
| Everything else | 1% |
Business Advantage Unlimited Cash Rewards
Bank of AmericaNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Business Advantage Travel Rewards
Bank of AmericaNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Car Rental, Vacation Rentals | 3% | Only through the issuer's travel portal. Booked through BofA Travel |
| Everything else | 1.5% |
Amazon / Chase
Prime Visa
Amazon / ChaseNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Online Shopping, Groceries | 5% | Amazon, Whole Foods only. Amazon and Whole Foods, with an active Prime membership |
| Restaurants & Bars, Gas Stations, Public Transit, Food Delivery, Rideshare & Taxis | 2% | |
| Everything else | 1% |
Amazon Visa
Amazon / ChaseNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Online Shopping, Groceries | 3% | Amazon, Whole Foods only. Amazon.com and Whole Foods Market |
| Flights, Hotels, Car Rental, Vacation Rentals | 3% | Only through the issuer's travel portal. Booked through Chase Travel |
| Restaurants & Bars, Gas Stations, Public Transit, Food Delivery, Rideshare & Taxis | 2% | Gas stations, restaurants, and local transit and commuting including rideshare |
| Everything else | 1% |
Citi
Costco Anywhere Visa
CitiNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging | 5% | Costco Gas only. Up to $7,000 per year, then the base rate. Gas at Costco — shares a $7,000/year cap with other gas |
| Gas Stations, EV Charging | 4% | Up to $7,000 per year, then the base rate. Other gas and EV charging — shares the $7,000/year cap |
| Restaurants & Bars, Food Delivery, Flights, Hotels | 3% | |
| Wholesale Clubs | 2% | Costco only. Costco warehouse and Costco.com |
| Everything else | 1% |
Costco Anywhere Visa Business
CitiNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging | 5% | Costco Gas only. Up to $7,000 per year, then the base rate. Gas at Costco — shares a $7,000/year cap with other gas |
| Gas Stations, EV Charging | 4% | Up to $7,000 per year, then the base rate. Other gas and EV charging — shares the $7,000/year cap |
| Restaurants & Bars, Food Delivery, Flights, Hotels | 3% | Restaurants and eligible travel, including Costco Travel |
| Wholesale Clubs | 2% | Costco only. Costco warehouse and Costco.com |
| Everything else | 1% |
Target
Target Circle Card
TargetNo annual fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything Else, Groceries, Online Shopping, Superstores | 5% | Target only. Taken off at the register as a discount rather than earned as rewards |
| Everything else | 0% |
Goldman Sachs
Apple Card
Goldman SachsNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything Else, Online Shopping | 3% | Apple Store only. Apple purchases and a rotating list of partner merchants |
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 2% | Only when you pay with Apple Pay — the physical titanium card earns 1% |
| Everything else | 1% |
U.S. Bank
Altitude Go
U.S. BankNo annual fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery | 4% | Up to $2,000 per quarter, then the base rate. Dining, takeout and food delivery |
| Groceries, Gas Stations, Streaming, Grocery Delivery, EV Charging | 2% | Includes grocery delivery and EV charging |
| Everything else | 1% |
Smartly Visa Signature
U.S. BankNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 2% |
Cash+ Visa Signature
U.S. BankNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Utilities, Phone & Internet, Streaming, Department Stores, Gyms & Fitness, Entertainment, Public Transit, Rideshare & Taxis, Parking & Tolls, Clothing, Sporting Goods | 5% | Only while you have this category switched on. Up to $2,000 per quarter, then the base rate. Two categories you pick from the issuer's list — $2,000 combined quarterly cap, then 1% |
| Everything else | 1% |
Altitude Connect
U.S. BankNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 5% | Only through the issuer's travel portal. Prepaid hotels and car rentals booked in the U.S. Bank Travel Center |
| Flights, Hotels, Car Rental, Rideshare & Taxis | 4% | Travel — airlines, hotels, car rentals, taxis, limousines, passenger trains and cruise lines |
| Gas Stations, EV Charging | 4% | Up to $1,000 per quarter, then the base rate. Gas stations and EV charging, first $1,000 each quarter |
| Restaurants & Bars, Groceries, Streaming | 2% | Restaurants, grocery stores and qualifying streaming services |
| Everything else | 1% |
Triple Cash Rewards Visa Business
U.S. BankNo annual fee, 3% abroad Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging | 3% | Gas and EV charging, each transaction of $200 or less |
| Office & Shipping, Phone & Internet, Restaurants & Bars | 3% | Office supply stores, cell phone providers and restaurants |
| Everything else | 1% |
Business Altitude Connect Visa Signature
U.S. Bank$95/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 5% | Only through the issuer's travel portal. Prepaid hotels and car rentals booked in the U.S. Bank Travel Center |
| Flights, Hotels, Car Rental, Gas Stations, EV Charging | 4% | Up to $150,000 per year, then the base rate. Airlines, hotels and car rentals booked directly, gas and EV charging — $150,000 a calendar year combined |
| Restaurants & Bars, Food Delivery, Phone & Internet | 2% | Dining, takeout, restaurant delivery and cell phone service |
| Everything else | 1% |
Business Essentials Visa
U.S. BankNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 2% |
PenFed
Pathfinder Rewards
PenFed$95/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis | 3% | Travel — 4x for PenFed Honors Advantage members |
| Everything else | 1.5% |
Fidelity
Fidelity Rewards Visa Signature
FidelityNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 2% |
Robinhood
Robinhood Gold Card
Robinhood$50/yr Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 5% | Only through the issuer's travel portal. Booked through Robinhood Travel |
| Everything else | 3% |
SoFi
SoFi Unlimited 2%
SoFiNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 3% | Only through the issuer's travel portal. Booked through SoFi Travel |
| Everything else | 2% |
Navy Federal
Sam's Club / Synchrony
Sam's Club Mastercard
Sam's Club / SynchronyNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations | 5% | Up to $6,000 per year, then the base rate. Any gas station, first $6,000 a year |
| Restaurants & Bars | 3% | |
| Flights, Hotels, Car Rental | 3% | Travel |
| Everything else | 1% |
Truist
Enjoy Cash
TruistNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Gas Stations, EV Charging | 3% | Up to $1,000 per month, then the base rate. Gas and EV charging — the $1,000 monthly cap is shared with the 2% tier |
| Groceries, Utilities, Phone & Internet, Streaming | 2% | Up to $1,000 per month, then the base rate. Grocery stores and utilities, including phone, cable and streaming — the $1,000 monthly cap is shared with the 3% tier |
| Everything else | 1% |
OnePay / Synchrony
OnePay CashRewards Mastercard
OnePay / SynchronyNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Superstores, Online Shopping, Groceries | 3% | Walmart only. Walmart — 5% with a Walmart+ membership |
| Everything else | 1.5% |
Chase
Instacart Mastercard
ChaseNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Grocery Delivery | 5% | Instacart only. Up to $6,000 per year, then the base rate. Directly through Instacart, first $6,000 a year |
| Flights, Hotels, Car Rental, Vacation Rentals | 5% | Only through the issuer's travel portal. Booked through Chase Travel |
| Gas Stations, Restaurants & Bars, Food Delivery, Streaming | 2% | Gas stations, restaurants including takeout and eligible delivery, and select streaming |
| Everything else | 1% |
DoorDash Rewards Mastercard
ChaseNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Food Delivery | 4% | DoorDash, Caviar only. Orders through DoorDash and Caviar |
| Restaurants & Bars | 3% | Dining bought directly from a restaurant |
| Groceries | 2% | Grocery stores, online or in-store |
| Everything else | 1% |
Ink Business Premier
Chase$195/yr Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 5% | Only through the issuer's travel portal. Booked through Chase Travel |
| Everything else | 2% |
PayPal / Synchrony
PayPal Cashback Mastercard
PayPal / SynchronyNo annual fee, 3% abroad Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5% |
Venmo / Synchrony
Venmo Visa Credit Card
Venmo / SynchronyNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery | 3% | Restaurants, quick-serve, carryout, drive-through and delivery, and bars |
| Entertainment, Streaming, Gyms & Fitness | 3% | Movie theaters, concerts, amusement parks, subscription streaming and health clubs |
| Everything else | 1% |
PointsBank points you can move to airlines and hotels
Chase
Sapphire Preferred
Chase$95/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels | 5x | Only through the issuer's travel portal. Booked through Chase Travel |
| Restaurants & Bars, Food Delivery | 3x | |
| Streaming | 3x | |
| Gas Stations, EV Charging | 3x | Gas and EV charging |
| Vacation Rentals | 3x | Only through the issuer's travel portal. Select vacation rentals booked through Chase Travel |
| Grocery Delivery | 3x | Instacart only. Online grocery orders only (e.g. Instacart) — in-store trips, Target, Walmart and wholesale clubs don't qualify |
| Flights, Hotels, Public Transit, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals | 2x | Travel booked anywhere else |
| Everything else | 1x |
Sapphire Reserve
Chase$795/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals | 8x | Only through the issuer's travel portal. Booked through Chase Travel |
| Flights, Hotels, Vacation Rentals | 4x | Booked directly with the airline or hotel |
| Restaurants & Bars, Food Delivery | 3x | |
| Everything else | 1x |
Freedom Unlimited
ChaseNo annual fee, 3% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals | 5x | Only through the issuer's travel portal. Booked through Chase Travel |
| Restaurants & Bars, Food Delivery | 3x | |
| Drugstores | 3x | |
| Everything else | 1.5x |
Freedom
ChaseNo annual fee, 3% abroad, Categories rotate quarterly Rates not yet re-checked against the issuer
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Phone & Internet, Food Delivery, Grocery Delivery, EV Charging, Rideshare & Taxis, Superstores, Home Improvement, Department Stores, Gyms & Fitness | 5x | Only while you have this category switched on. Up to $1,500 per quarter, then the base rate. Rotating category — you must activate it each quarter |
| Everything else | 1x |
Freedom Flex
ChaseNo annual fee, No foreign transaction fee, Categories rotate quarterly Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Phone & Internet, Food Delivery, Grocery Delivery, EV Charging, Rideshare & Taxis, Superstores, Home Improvement, Department Stores, Gyms & Fitness | 5x | Only while you have this category switched on. Up to $1,500 per quarter, then the base rate. Rotating category — you must activate it each quarter |
| Flights, Hotels, Vacation Rentals | 5x | Only through the issuer's travel portal. Booked through Chase Travel |
| Restaurants & Bars, Food Delivery | 3x | |
| Drugstores | 3x | |
| Everything else | 1x |
Freedom Rise
ChaseNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5x |
Ink Business Preferred
Chase$95/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls, Phone & Internet | 3x | Up to $150,000 per year, then the base rate. Travel and internet, cable and phone — the first $150,000 each account year, shared with shipping and advertising |
| Everything else | 1x |
Ink Business Cash
ChaseNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Office & Shipping, Phone & Internet | 5x | Up to $25,000 per year, then the base rate. Office supply stores and internet, cable and phone — the first $25,000 each account year |
| Gas Stations, Restaurants & Bars | 2x | Up to $25,000 per year, then the base rate. Gas stations and restaurants — the first $25,000 a year |
| Everything else | 1x |
Ink Business Unlimited
ChaseNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 1.5x |
Sapphire Reserve for Business
Chase$795/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 8x | Only through the issuer's travel portal. Booked through Chase Travel |
| Flights, Hotels | 4x | Booked directly with the airline or hotel |
| Everything else | 1x |
American Express
Gold Card
American Express$325/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery | 4x | Up to $50,000 per year, then the base rate |
| Groceries | 4x | Up to $25,000 per year, then the base rate. US supermarkets only |
| Flights | 3x | Booked directly with the airline or through Amex Travel |
| Everything else | 1x |
Platinum Card
American Express$895/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 5x | Up to $500,000 per year, then the base rate. Booked with the airline or Amex Travel |
| Hotels | 5x | Only through the issuer's travel portal. Prepaid hotels through Amex Travel |
| Everything else | 1x |
Blue Business Plus
American ExpressNo annual fee, 2.7% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 2x | Up to $50,000 per year, then the base rate. 2x on every purchase, with no bonus categories to track |
| Everything else | 1x |
Classic Green Card
American Express$150/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 3x | Travel, including airfare, hotels, campgrounds, car rentals and cruises |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 3x | Transit — trains, taxis, rideshare, ferries, tolls, parking, buses and subways |
| Restaurants & Bars, Food Delivery | 3x | Restaurants worldwide, including takeout |
| Everything else | 1x |
Business Gold Card
American Express$375/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Gas Stations, Public Transit, Rideshare & Taxis, Parking & Tolls, Phone & Internet | 4x | Only while you have this category switched on. Up to $150,000 per year, then the base rate. Your top two categories by spend each billing cycle, applied automatically — U.S. restaurants, U.S. gas, transit, and wireless phone service |
| Flights, Hotels | 3x | Only through the issuer's travel portal. Flights and prepaid hotels booked on AmexTravel.com |
| Everything else | 1x |
Business Platinum Card
American Express$895/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels | 5x | Only through the issuer's travel portal. Flights and prepaid hotels booked through American Express Travel |
| Home Improvement | 2x | Up to $2,000,000 per year, then the base rate. U.S. construction material and hardware suppliers |
| Everything else | 1x |
Business Green Rewards Card
American Express$95/yr, 2.7% abroad Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels | 2x | Only through the issuer's travel portal. Flights and prepaid hotels booked on AmexTravel.com |
| Everything else | 1x |
Amex EveryDay Preferred
American Express$95/yr Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries | 3x | Up to $6,000 per year, then the base rate. U.S. supermarkets, on up to $6,000 a year |
| Gas Stations | 2x | U.S. gas stations |
| Everything else | 1x |
Amex EveryDay
American ExpressNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries | 2x | Up to $6,000 per year, then the base rate. U.S. supermarkets, on up to $6,000 a year |
| Everything else | 1x |
Citi
Double Cash
CitiNo annual fee, 3% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Everything else | 2x |
Custom Cash
CitiNo annual fee, 3% abroad Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Groceries, Gas Stations, Public Transit, Streaming, Drugstores, Entertainment, Hotels, Food Delivery, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals, Home Improvement, Gyms & Fitness | 5x | Only while you have this category switched on. Up to $500 per billing cycle, then the base rate. Automatically applies to your top eligible category each billing cycle |
| Everything else | 1x |
Strata Premier
Citi$95/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental, Entertainment | 10x | Only through the issuer's travel portal. Hotels, car rentals and attractions via Citi Travel |
| Restaurants & Bars, Food Delivery, Groceries, Gas Stations, Flights, Hotels | 3x | |
| Everything else | 1x |
Strata Elite
Citi$595/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental, Entertainment | 12x | Only through the issuer's travel portal. Booked through Citi Travel |
| Flights | 6x | Only through the issuer's travel portal. Booked through Citi Travel |
| Restaurants & Bars, Food Delivery | 3x | 6x on Friday and Saturday 6pm–6am ET |
| Everything else | 1.5x |
Strata
CitiNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental, Entertainment | 5x | Only through the issuer's travel portal. Booked through Citi Travel |
| Groceries | 3x | |
| Public Transit, Gas Stations, EV Charging | 3x | Select transit, and gas and EV charging stations |
| Gyms & Fitness, Streaming, Entertainment, Beauty, Pet Supplies | 3x | Only while you have this category switched on. One self-select category, changeable once a calendar quarter |
| Restaurants & Bars | 2x | |
| Everything else | 1x |
Capital One
Venture X
Capital One$395/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 10x | Only through the issuer's travel portal. Hotels and rental cars via Capital One Travel |
| Flights, Vacation Rentals | 5x | Only through the issuer's travel portal. Flights and vacation rentals booked through Capital One Travel |
| Entertainment | 5x | Only through the issuer's travel portal. Capital One Entertainment purchases |
| Everything else | 2x |
Venture Rewards
Capital One$95/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Car Rental | 5x | Only through the issuer's travel portal. Hotels and rental cars via Capital One Travel |
| Everything else | 2x |
VentureOne Rewards
Capital OneNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels, Vacation Rentals, Car Rental, Entertainment | 5x | Only through the issuer's travel portal. Booked through Capital One Travel |
| Everything else | 1.3x |
Wells Fargo
Autograph
Wells FargoNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Gas Stations, Public Transit, Flights, Hotels, Streaming, Phone & Internet, Food Delivery, Rideshare & Taxis, Parking & Tolls, Car Rental, Vacation Rentals | 3x | |
| Everything else | 1x |
Autograph Journey
Wells Fargo$95/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 5x | |
| Flights | 4x | |
| Restaurants & Bars | 3x | |
| Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls | 3x | Travel other than hotels and airlines |
| Everything else | 1x |
Bilt
Bilt Mastercard
BiltNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery | 3x | |
| Flights, Hotels, Vacation Rentals, Car Rental | 2x | |
| Rent | 1x | Rent with no transaction fee — requires 5 transactions per month |
| Everything else | 1x |
Bilt Blue Card
BiltNo annual fee, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 3x | Only through the issuer's travel portal. Booked through the Bilt Travel Portal |
| Flights | 2x | Only through the issuer's travel portal. Booked through the Bilt Travel Portal |
| Rent | 1x | Paid through Bilt with no fee — actually 0x to 1.25x, set by how much else you charge to the card that cycle |
| Everything else | 1x |
Bilt Obsidian Card
Bilt$95/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 4x | Only through the issuer's travel portal. Booked through the Bilt Travel Portal |
| Restaurants & Bars | 3x | Only while you have this category switched on. If dining is your chosen category — the default |
| Groceries | 3x | Only while you have this category switched on. Up to $25,000 per year, then the base rate. If groceries is your chosen category instead of dining |
| Flights | 3x | Only through the issuer's travel portal. Booked through the Bilt Travel Portal |
| Flights, Hotels, Car Rental | 2x | Airlines, hotels, cruise lines and car rental agencies |
| Rent | 1x | Paid through Bilt with no fee — actually 0x to 1.25x, set by how much else you charge to the card that cycle |
| Everything else | 1x |
AirlineMiles in one airline's program
American Express
Delta SkyMiles Gold
American Express$150/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | Delta only. Delta purchases only |
| Restaurants & Bars, Food Delivery | 2x | |
| Groceries | 2x | US supermarkets only |
| Everything else | 1x |
Delta SkyMiles Platinum
American Express$350/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Delta only. Delta purchases only |
| Hotels | 3x | |
| Restaurants & Bars, Food Delivery | 2x | |
| Groceries | 2x | US supermarkets only |
| Everything else | 1x |
Delta SkyMiles Reserve
American Express$650/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Delta only. Delta purchases only |
| Everything else | 1x |
Delta SkyMiles Blue
American ExpressNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | Delta only. Delta purchases only |
| Restaurants & Bars, Food Delivery | 2x | Restaurants worldwide, plus takeout and delivery in the US |
| Everything else | 1x |
Delta SkyMiles Gold Business Card
American Express$150/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | Delta only. Delta purchases only |
| Restaurants & Bars | 2x | |
| Everything else | 1x |
Delta SkyMiles Platinum Business Card
American Express$350/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Delta only. Delta purchases only |
| Hotels | 3x | Booked directly with the hotel |
| Public Transit, Rideshare & Taxis | 1.5x | Up to $100,000 per year, then the base rate. Transit, taxis and rideshare — $100,000 a year shared with shipping and large purchases |
| Everything else | 1x |
Delta SkyMiles Reserve Business Card
American Express$650/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Delta only. Delta purchases only |
| Public Transit, Rideshare & Taxis, Office & Shipping | 1.5x | Transit, taxis and rideshare, and U.S. office supply stores |
| Everything else | 1x |
Chase
United Explorer
Chase$150/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | United Airlines only. United purchases only |
| Restaurants & Bars, Food Delivery | 2x | |
| Hotels | 2x | Booked directly with the hotel |
| Everything else | 1x |
Rapid Rewards Priority
Chase$229/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 4x | Southwest only. Southwest purchases only |
| Gas Stations, Restaurants & Bars, Food Delivery | 2x | |
| Groceries | 2x | Up to $8,000 per year, then the base rate. Shares an $8,000-a-year cap with restaurants |
| Everything else | 1x |
United Quest
Chase$350/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | United Airlines only. United purchases only |
| Restaurants & Bars, Food Delivery | 2x | |
| Hotels, Rideshare & Taxis, Public Transit | 2x | Travel other than United |
| Streaming | 2x | Select streaming services |
| Everything else | 1x |
United Gateway
ChaseNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | United Airlines only. United purchases only |
| Gas Stations | 2x | |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 2x | Local transit and commuting — rideshare, taxis, trains, tolls and mass transit |
| Everything else | 1x |
Rapid Rewards Plus
Chase$99/yr Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | Southwest only. Southwest purchases only |
| Phone & Internet, Streaming | 2x | Internet, cable and phone services, and select streaming |
| Public Transit, Rideshare & Taxis | 2x | Local transit and commuting, including rideshare |
| Everything else | 1x |
United Club Card
Chase$695/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 5x | United Airlines only. United purchases only |
| Hotels | 5x | Only through the issuer's travel portal. Prepaid Renowned Hotels and Resorts stays booked through Chase Travel |
| Flights, Hotels, Public Transit, Rideshare & Taxis, Parking & Tolls, Car Rental | 2x | Other travel — airfare, trains, local transit, cruises, hotels, car rentals, taxis, rideshare and tolls |
| Restaurants & Bars, Food Delivery | 2x | Restaurants, including takeout and eligible delivery services |
| Everything else | 1x |
Rapid Rewards Premier
Chase$149/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Southwest only. Southwest purchases only |
| Groceries, Restaurants & Bars | 2x | Up to $8,000 per year, then the base rate. Grocery stores and restaurants, first $8,000 combined each anniversary year |
| Everything else | 1x |
United Business Card
Chase$150/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | United Airlines only. United purchases only |
| Restaurants & Bars, Food Delivery, Gas Stations, Office & Shipping | 2x | Restaurants including eligible delivery, gas stations and office supply stores |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 2x | Local transit and commuting — rideshare, taxis, trains, tolls and mass transit |
| Everything else | 1x |
United Club Business Card
Chase$695/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | United Airlines only. United purchases only |
| Everything else | 1.5x |
Southwest Rapid Rewards Premier Business
Chase$149/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Southwest only. Southwest purchases only |
| Gas Stations, Restaurants & Bars | 2x | Up to $8,000 per year, then the base rate. Gas stations and restaurants — the first $8,000 each account year |
| Everything else | 1x |
Southwest Rapid Rewards Performance Business
Chase$299/yr, No foreign transaction fee Rates not yet re-checked against the issuer
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 4x | Southwest only. Southwest purchases only |
| Gas Stations, Restaurants & Bars | 2x | |
| Hotels | 2x | Booked directly with the hotel |
| Public Transit, Rideshare & Taxis | 2x | Local transit and commuting, including rideshare |
| Everything else | 1x |
Citi
AAdvantage Platinum Select
Citi$99/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | American Airlines only. American Airlines purchases only |
| Restaurants & Bars, Food Delivery, Gas Stations | 2x | |
| Everything else | 1x |
AAdvantage Executive
Citi$695/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 4x | American Airlines only. American Airlines purchases; 5x after $150,000 of purchases in a calendar year |
| Everything else | 1x |
AAdvantage MileUp
CitiNo annual fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | American Airlines only. American Airlines purchases only |
| Groceries, Grocery Delivery | 2x | Grocery stores, including grocery delivery services |
| Everything else | 1x |
AAdvantage Business World Elite Mastercard
Citi$99/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | American Airlines only. American Airlines purchases only |
| Phone & Internet, Car Rental, Gas Stations | 2x | Telecommunications, cable and satellite providers, car rental and gas stations |
| Everything else | 1x |
Bank of America
Atmos Rewards Ascent Visa Signature
Bank of America$95/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Alaska Airlines, Hawaiian Airlines only. Alaska and Hawaiian purchases only |
| Gas Stations, EV Charging, Streaming, Phone & Internet | 2x | |
| Public Transit, Rideshare & Taxis, Parking & Tolls | 2x | |
| Everything else | 1x |
Atmos Rewards Summit Visa Infinite
Bank of America$395/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 3x | Alaska Airlines, Hawaiian Airlines only. Alaska and Hawaiian purchases only |
| Restaurants & Bars | 3x | Eligible dining |
| Everything else | 1x |
HotelPoints in one hotel group's program
Chase
Bonvoy Boundless
Chase$95/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 6x | Marriott only. Marriott Bonvoy properties only |
| Groceries, Gas Stations, Restaurants & Bars, Food Delivery | 3x | Up to $6,000 per year, then the base rate |
| Everything else | 2x |
World of Hyatt
Chase$95/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 4x | Hyatt only. Hyatt hotels and resorts |
| Restaurants & Bars, Food Delivery | 2x | |
| Gyms & Fitness | 2x | Gym and fitness club memberships |
| Public Transit, Rideshare & Taxis | 2x | Local transit and commuting, including rideshare |
| Flights | 2x | Airline tickets bought directly with the airline |
| Everything else | 1x |
IHG One Rewards Premier
Chase$99/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 10x | IHG only. IHG hotels and resorts |
| Gas Stations, Restaurants & Bars, Food Delivery, Flights, Car Rental, Vacation Rentals | 5x | Gas, restaurants and travel |
| Everything else | 3x |
Marriott Bonvoy Bold
ChaseNo annual fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 3x | Marriott only. Marriott Bonvoy properties only |
| Groceries, Food Delivery, Rideshare & Taxis, Streaming, Phone & Internet | 2x | Grocery stores, select food delivery, rideshare, select streaming, and internet, cable and phone services |
| Everything else | 1x |
IHG One Rewards Traveler
ChaseNo annual fee, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 5x | IHG only. IHG hotels and resorts |
| Restaurants & Bars, Utilities, Streaming, Gas Stations | 3x | Dining, utilities, select streaming and gas stations |
| Everything else | 2x |
Marriott Bonvoy Bountiful
Chase$250/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 6x | Marriott only. Hotels participating in Marriott Bonvoy |
| Groceries, Restaurants & Bars, Food Delivery | 4x | Up to $15,000 per year, then the base rate. Grocery stores and restaurants, including takeout and eligible delivery, first $15,000 combined a year |
| Everything else | 2x |
World of Hyatt Business Card
Chase$199/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 4x | Hyatt only. Hyatt hotels and resorts |
| Gyms & Fitness | 2x | Gym and fitness club memberships |
| Restaurants & Bars, Flights, Public Transit, Rideshare & Taxis, Car Rental, Gas Stations, Phone & Internet | 2x | Only while you have this category switched on. Your top three categories by spend each quarter, applied automatically (airline tickets bought directly with the airline) |
| Everything else | 1x |
IHG One Rewards Business
Chase$200/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 10x | IHG only. Hotels participating in IHG One Rewards |
| Gas Stations, Restaurants & Bars, Food Delivery | 5x | Gas stations and restaurants, including takeout and eligible delivery |
| Flights, Hotels, Vacation Rentals, Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls | 5x | Travel — through 31 December 2026; from 2027 only airline tickets bought directly and car rentals |
| Everything else | 3x |
American Express
Hilton Honors Surpass
American Express$150/yr, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 12x | Hilton only. Hilton properties only |
| Restaurants & Bars, Food Delivery, Groceries, Gas Stations | 6x | US merchants only |
| Online Shopping | 4x | US online retail |
| Everything else | 3x |
Hilton Honors Card
American ExpressNo annual fee, No foreign transaction fee Rates checked 2026-08
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 7x | Hilton only. Hilton properties only |
| Restaurants & Bars, Food Delivery, Groceries, Gas Stations | 5x | US merchants only |
| Everything else | 3x |
Hilton Honors Aspire
American Express$550/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 14x | Hilton only. Hilton portfolio properties only |
| Flights | 7x | Booked directly with the airline or through Amex Travel |
| Car Rental | 7x | Booked directly with select car rental companies |
| Restaurants & Bars | 7x | US restaurants only |
| Everything else | 3x |
Marriott Bonvoy Brilliant
American Express$650/yr, No foreign transaction fee Rates checked 2026-09
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 6x | Marriott only. Hotels participating in Marriott Bonvoy |
| Restaurants & Bars | 3x | Restaurants worldwide |
| Flights | 3x | Booked directly with the airline |
| Everything else | 2x |
Marriott Bonvoy Bevy
American Express$250/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 6x | Marriott only. Hotels participating in Marriott Bonvoy |
| Restaurants & Bars, Food Delivery, Groceries | 4x | Up to $15,000 per year, then the base rate. Restaurants worldwide (takeout and delivery in the US) and US supermarkets, first $15,000 combined each calendar year |
| Everything else | 2x |
Hilton Honors Business Card
American Express$195/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 12x | Hilton only. Booked directly with Hilton hotels and resorts |
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 5x | Up to $100,000 per year, then the base rate. 5x on every other purchase |
| Everything else | 3x |
Marriott Bonvoy Business Card
American Express$125/yr, No foreign transaction fee Rates checked 2026-10
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 6x | Marriott only. Hotels participating in Marriott Bonvoy |
| Restaurants & Bars, Gas Stations | 4x | Restaurants worldwide and U.S. gas stations |
| Phone & Internet | 4x | Wireless phone service bought directly from a U.S. provider — not internet or cable |
| Everything else | 2x |