Best Credit & Charge Cards by Merchant Categories
This page organizes the best rewards credit & charge cards on every merchant categories.
The order of reward values are: miles > cash > points. It might includes signup bonus offers, (bi-)annual rewards, but not spend offers after signup.
Flat-rate
No annual fee
- 5pt - KeyBank Key2More Rewards
- 4pt - PNC points
- 3% / 1.5% - BECU Business with Cash Rewards
- 3% / 1.5% - First National Bank of Omaha Cash Back VISA
- 3% / 1.5% - HSBC Cash Rewards
- 3% / 1% - BB&T Spectrum Rewards
- 3mi / 1.5mi - Discover it Business
- 3mi / 1.5mi - Discover it Miles
- 3pt / 1.5pt - Chase Freedom Unlimited
- 3pt / 1pt - HSBC Platinum with Rewards
2.3pt / 1.3pt - AMEX Blue for Business- 2% - Citi Double Cash
- 2% - Fifth Third Preferred Cash/Back
- 2% - SoFi
- 2% - Synchrony Bank / PayPal Cashback
- 2pt - Alliant Platinum Rewards
- 2pt - AMEX Blue Business Plus
- 2pt - U.S. Bank's Elan / Fidelity Rewards
- 2% / 1.5% - BBVA Rewards (BBVA Compass Rewards)
- 2% ~ 1.5% - PenFed Power Cash Rewards
- 2% / 1% - Discover it Cash Back
- 2% / 1% - Discover it Chrome Gas & Restaurants
- 2% / 1% - Discover it Secured
- 2% / 1% - Discover it Student Cash Back
- 2% / 1% - Zions Bank AmaZing Cash
- 2pt / 1pt - First National Bank of Omaha ExtraEarnings
- 2pt / 1pt - HSBC Advance
- 1.8pt / 1.5pt - Wells Fargo Cash Wise
- 1.5mi - Capital One Spark Miles Select for Business
- 1.5% - AMEX Cash Magnet
- 1.5% - AMEX / Charles Schwab Investor
1.5% - Barclaycard CashForward- 1.5% - Capital One Spark Cash Select for Business
- 1.5% - Capital One Quicksilver Rewards
- 1.5% - Discover it Business
- 1.5% - First National Bank of Omaha Cash Back AMEX
- 1.5% - HSBC Cash Rewards Student
- 1.5% - U.S. Bank Cash 365
- 1.5pt - Bank of America Travel Rewards
- 1.5pt - Chase Ink Business Unlimited
Flat-rate
Annual fee
3mi / 2mi - Barclaycard Arrival Premier- 3% / 2.5% - Alliant Cashback
- 3% / 2.5% - FIGFCU Crystal
- 2mi - Barclaycard Arrival Plus
- 2mi - Capital One Spark Miles for Business
- 2mi - Capital One Venture Rewards
- 2mi - PNC Premier Traveler
- 2% - Capital One Spark Cash for Business
- 2% - Patelco Payback Rewards
- 1.5% - Capital One QuicksilverOne Rewards
Your choice(s)
No annual fee
- 5% - U.S. Bank Cash+
[5192] BookstoresCar Rentals- [4812] Cell Phone Providers
[8398] Charity- [5311] Department Stores
- [5732] Electronics Stores
- [5814] Fast Food
- Furniture Stores
- Ground Transportation
- [7997] Gyms/Fitness Centers
- Home Utilities
- [7832] Movie Theaters
- [5941] Sporting Goods Stores
- Select Clothing Stores
- TV, Internet & Streaming Services
- 5pt - First National Bank Business Edition with Absolute Rewards
- [4812] Telecommunication Equipment and Telephone Sales
- [4814] Telecommunication Services
- [4816] Computer Network Services
- [4899] Cable, Satellite, and Other Pay Television and Radio
- [4900] Utilities
- [5021] Office and Commercial Furniture
- [5044] Photographic, Photocopy, Microfilm Equipment, and Supplies
- [5045] Computers, Peripherals, and Software
- [5046] Commercial Equipment (Not Elsewhere Classified)
- [5111] Stationary, Office Supplies, Printing and Writing Paper
- [5943] Stationery Stores, Office, and School Supply Stores
- [7311] Advertising Services
- [7379] Computer Repair
- [7392] Consulting, Public Relations
- 5pt - VantageWest Credit Union Connect Rewards
- Travel
- Restaurants
- Utilities (water, cell, electric, etc.)
- Wholesale (Costco, Sam's Club, etc.)
- Department Stores
- Hardware & Home Improvement Stores
- Charitable Organizations
- Pharmacies & Drug Stores
- Amazon.com
- 4% - Huntington Voice Business
- Gas Stations
- Travel & Entertainment
- Restaurants
- Discount & Warehouse Stores
- Grocery Stores
- Utilities & Office Supply Stores
- Electronics, Computer & Camera Stores
- Department, Apparel & Sporting Goods Stores
- Home Improvement Stores
- Auto Parts & Service Stores
- 3% - Bank of America Cash Rewards
- Gas
- Online shopping
- Dining
- Travel
- Drug stores
- Home improvement/furnishings
- 3% - AMEX SimplyCash Plus Business
- Airfare purchased directly from airlines
- Hotel rooms purchased directly from hotels
- Car rentals purchased from select car rental companies
- U.S. gas stations
- U.S. restaurants
- U.S. purchases for advertising in select media
- U.S. purchases for shipping
- U.S. computer hardware, software, and cloud computing purchases made directly from select providers
- 3pt - BBVA ClearPoints Rewards (BBVA Compass CompassPoints Rewards)
Home ImprovementRestaurantsTravel
- 3pt - Huntington Voice Triple Rewards
- Apparel / Soft Goods
- Department Stores / Electronics
- Discount Stores
- Gas
- Grocery
- Home Improvement
- Pharmacy
- Restaurants
- Sporting Goods
- Travel & Entertainment
- Utilities
- 3pt - U.S. Bank Business Edge Select Rewards
- Day-to-day expenses, such as shipping, advertising, utilities, office supplies, telecom and professional services
- Automotive, such as gas, service, tires, tolls, dealerships, car washes and repairs
- Travel and entertainment, such as airlines, auto rental, hotels, restaurants and travel agencies
- 3% / 2% - Synchrony / Venmo
- 3% on top spending category
- 2% on next
Your choice(s)
Annual fee
3pt - BBVA Select (BBVA Compass Select)GasHealth CareUtilities
- 3pt - SkyOne Platinum Elite
Airfare
No annual fee
5% - Citi DividendQ3 2020Q3 2019Q3 2018Q3 2017
- 5pt - Advia Credit Union with Advantage Points
- Q2 2019
- 5pt - PenFed Premium Travel Rewards
- 4% - Citi / Costco Anywhere
- 4% - Citi / Costco Anywhere Business
- 4% - Huntington Voice Business
- 4% - InFirst Federal Credit Union Rewards
- 4% - InFirst Federal Credit Union Young Adult Rewards
- 3% - AMEX SimplyCash Plus Business
- 3% - Bank of America BankAmericard Cash Rewards
- 3% - FirstBank ICON FirstClass Rewards
3% - Nusenda Credit Union Platinum Cash RewardsQ4 2019Q4 2018Q4 2017Q4 2016
- 3% - U.S. Bank's ACG / AAA Dollars Plus
- 3pt - Bank of America's AAA / AAA Member Rewards
- 3pt - Barclaycard / Uber
3pt - BBVA ClearPoints Rewards (BBVA Compass CompassPoints Rewards)- 3pt - Huntington Voice Triple Rewards
3pt - Nusenda Credit Union Platinum RewardsQ4 2019Q4 2018Q4 2017Q4 2016
- 3pt - U.S. Bank Business Edge Select Rewards
- 3pt - Wells Fargo Propel
3pt - Wells Fargo Propel World
Airfare
Annual fee
- 5% / 3% - SunTrust Travel Rewards
- 5pt - Citi Prestige
- 5pt - First Hawaiian BankPriority Destinations
- 4pt - U.S. Bank Altitude Connect
- 3mi - TD First Class
- 3pt - AMEX Gold (AMEX Premier Rewards Gold)
- 3pt - AMEX Green
- 3pt - Chase Ink Business Preferred
- 3pt - Chase Sapphire Reserve
- 3pt - Citi Premier (Citi ThankYou Premier)
- 3pt - City National Bank Crystal
- 3pt - HSBC Premier
- 3pt - Patelco Passage Rewards
- 3pt - U.S. Bank Altitude Reserve
Cellular service
No annual fee
10% / 1% - AMEX Blue Cash Everyday- 5% - AMEX SimplyCash Plus Business
- 5% - Chase Ink Business Cash
- 5% - U.S. Bank Cash+
- 5pt - Chase Freedom
- Q1 2021
Q1 2020
- 5pt - Chase Freedom Flex
- Q1 2021
Q1 2020
- 5pt - First National Bank Business Edition with Absolute Rewards
- 3% - TD Business Solutions
- 3% - U.S. Bank Business Edge Cash Rewards
- 3pt - AMEX / Lowe's Business Rewards
- 3pt - U.S. Bank Business Edge Select Rewards
Cellular service
Annual fee
10% / 1% - AMEX Blue Cash Preferred5pt - Chase Ink Business Plus- 3pt - Chase Ink Business Preferred
Charity
No annual fee
- 5pt - DuPage Credit Union Platinum Rewards
- 5pt - VantageWest Credit Union Connect Rewards
Department store
No annual fee
10% / 5% - Discover it Cash Back & Discover it Student Cash BackQ4 2016Q3 2015
- 5% - Citi Dividend
- Q4 2020
Q4 2019Q4 2018Q4 2017
- 5% - U.S. Bank Cash+
5pt - Advia Credit Union with Advantage PointsQ4 2017
5pt - Chase FreedomQ4 2018Q4 2017Q4 2016
- 5pt - VantageWest Credit Union Connect Rewards
- 3pt - Huntington Voice Triple Rewards
Department store
Annual fee
3% - AMEX Blue Cash Preferred
Dining / Restaurant
No annual fee
10.3pt / 1.3pt - AMEX Blue for Business- 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
- Q3 2021
Q3 2020Q3 2019Q3 2018Q3 2017Q2 2016Q2 2015Q1 2014Q1 2013
10% / 1% - AMEX Blue Cash Everyday- 5% - Nusenda Credit Union Platinum Cash Rewards
- Q4 2020
Q2 2020Q4 2019Q2 2019Q4 2018Q2 2018Q4 2017Q2 2017Q4 2016Q2 2016
- 5% / 2% - U.S. Bank Cash+
5pt - Chase FreedomQ3 2017Q3 2016
- 5pt - VantageWest Credit Union Connect Rewards
- 4% - Huntington Voice Business
- 4pt - U.S. Bank Altitude Go
- 3% - AMEX SimplyCash Plus Business
- 3% - Bank of America BankAmericard Cash Rewards
- 3% - Bank of the West Cash Back
- 3% - Capital One SavorOne Rewards (Capital One Savor Dining Rewards / Capital One Premier Dining Rewards)
- 3% - Citi / Costco Anywhere
- 3% - Citi / Costco Anywhere Business
- 3% - Golden 1 Credit Union Platinum Rewards
- 3% - InFirst Federal Credit Union Rewards
- 3% - InFirst Federal Credit Union Young Adult Rewards
- 3% - Navy Federal Credit Union GO REWARDS
- 3% - PNC Cash Rewards
- 3% - Synchrony Bank / Marvel
- 3% - Synchrony Bank / Sam's Club
- 3% - TD Cash
- 3pt - AMEX / Lowe's Business Rewards
- 3pt - Barclaycard / Uber
- 3pt - BBVA ClearPoints Rewards (BBVA Compass CompassPoints Rewards)
- 3pt - Chase / AARP Everyday Rewards
- 3pt - Chase Freedom Flex
- 3pt - Chase Freedom Unlimited
- 3pt - Huntington Voice Triple Rewards
- 3pt - Nusenda Credit Union Platinum Rewards
- Q4 2020
Q2 2020Q4 2019Q2 2019Q4 2018Q2 2018Q4 2017Q2 2017Q4 2016Q2 2016
- 3pt - Patelco Passage Rewards
3pt - Synchrony Bank / eBay3pt - Synchrony Bank / PayPal Extras- 3pt - UMB Simply Rewards
- 3pt - U.S. Bank Business Edge Select Rewards
- 3pt - Wells Fargo Propel
- 3pt / 2pt - HSBC Advance
Dining / Restaurant
Annual fee
20% + 4pt - AMEX Gold (AMEX Premier Rewards Gold)10% / 1% - AMEX Blue Cash Preferred- 5pt - Citi Prestige
- 4% - Capital One Savor Rewards
- 4pt - AMEX Gold (AMEX Premier Rewards Gold)
- 3mi - TD First Class
- 3pt - AMEX Green
- 3pt - BBVA Select (BBVA Compass Select)
- 3pt - Chase Sapphire Reserve
- 3pt - City National Bank Crystal
3pt - Santander Bravo- 3pt - U.S. Bank Altitude Reserve
- 3pt - U.S. Bank FlexPerks Gold
Drugstore
No annual fee
- 3pt - Chase Freedom Flex
- 3pt - Chase Freedom Unlimited
Electronic store
No annual fee
- 5% - U.S. Bank Cash+
- 4% - Huntington Voice Business
- 3pt - Huntington Voice Triple Rewards
Gas
No annual fee
- 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
- Q2 2021
Q2 2020Q2 2019Q1 2018Q1 2017Q1 2016Q1 2015Q1 2014Q1 2013
5% - Citi DividendQ1 2020Q1 2019Q1 2018
- 5% - First National Bank of Omaha / NRA Complete Rewards
- 5% - Abound Credit Union Platinum (Fort Knox Federal Credit Union Platinum)
- 5% - Nusenda Credit Union Platinum Cash Rewards
Q3 2020Q1 2020Q3 2019Q1 2019Q3 2018Q1 2018Q3 2017Q1 2017Q3 2016
- 5% - Synchrony Bank / Sam's Club
- 5% - USAA Cashback Rewards Plus
5pt - Chase FreedomQ1 2020Q1 2019Q3 2018Q1 2017Q1 2016
- 5pt - PenFed Platinum Cash Rewards Plus
- 5pt - PenFed Platinum Rewards
- 5% / 2% - SunTrust Cash Rewards
- 5% ~ 2% - U.S. Bank's ACG / AAA Dollars Gas Rebate
5pt / 1pt - Wells Fargo Home Rebate- 5pt / 1pt - Wells Fargo Rewards
- 4% - Citi / Costco Anywhere
- 4% - Citi / Costco Anywhere Business
- 4% - Huntington Voice Business
- 4% - InFirst Federal Credit Union Rewards
- 4% - InFirst Federal Credit Union Young Adult Rewards
- 4% - PNC Cash Rewards
- 3% - AMEX SimplyCash Plus Business
- 3% - Bank of America BankAmericard Cash Rewards
- 3% - Bank of the West Cash Back
- 3% - Golden 1 Credit Union Platinum Rewards
- 3% - U.S. Bank's ACG / AAA Dollars Plus
- 3% - U.S. Bank Business Edge Cash Rewards
- 3pt - Bank of America's AAA / AAA Member Rewards
- 3pt - Bellco Credit Union Platinum Rewards
- 3pt - City National Bank Signature
- 3pt - Comenity / Farmers Rewards
- 3pt - Huntington Voice Triple Rewards
- 3pt - Nusenda Credit Union Platinum Rewards
Q3 2020Q1 2020Q3 2019Q1 2019Q3 2018Q1 2018Q3 2017Q1 2017Q3 2016
- 3pt - PenFed Platinum Cash Rewards
3pt - Synchrony Bank / eBay3pt - Synchrony Bank / PayPal Extras- 3pt - UMB Simply Rewards
- 3pt - U.S. Bank Business Edge Select Rewards
- 3pt - Wells Fargo Propel
- 3pt / 1pt - Wells Fargo Cash Back College
Gas
Annual fee
- 10pt / 1pt - AMEX Platinum
- 4pt - U.S. Bank Altitude Connect
- 3% - AMEX Blue Cash Preferred
3% - Wells Fargo Propel 3653pt - BBVA Select (BBVA Compass Select)- 3pt - Citi Premier (Citi ThankYou Premier)
- 3pt - City National Bank Crystal
3pt - Santander Bravo- 3pt / 2pt - AMEX Everyday Preferred
Grocery / Supermarket
No annual fee
- 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
- Q1 2021
Q1 2020Q1 2019Q2 2018
5% - Nusenda Credit Union Platinum Cash RewardsQ1 2020Q1 2019Q1 2018Q1 2017
5pt - Chase FreedomQ2 2020Q2 2019Q2 2018Q2 2017Q2 2016
- 5% / 2% - SunTrust Cash Rewards
5pt / 1pt - Wells Fargo Home Rebate- 5pt / 1pt - Wells Fargo Rewards
- 4% - Huntington Voice Business
- 3% - AMEX Blue Cash Everyday
- 3% - Bank of the West Cash Back
- 3% - Consumers Credit Union Cash Rebate
- 3% - Golden 1 Credit Union Platinum Rewards
- 3pt - Bellco Credit Union Platinum Rewards
- 3pt - Consumers Credit Union Rewards
- 3pt - Huntington Voice Triple Rewards
3pt - Nusenda Credit Union Platinum RewardsQ1 2020Q1 2019Q1 2018Q1 2017
- 3pt - UMB Simply Rewards
- 3pt / 1pt - Wells Fargo Cash Back College
- 2.4pt / 2 pt - AMEX Everyday
Grocery / Supermarket
Annual fee
- 10pt / 1pt - AMEX Platinum
- 6% - AMEX Blue Cash Preferred
- 4.5pt / 3pt - AMEX Everyday Preferred
- 4pt - AMEX Gold (AMEX Premier Rewards Gold)
Home improvement
No annual fee
5pt - Chase FreedomQ2 2019
5pt - Discover it Cash Back & Discover it Student Cash BackQ3 2015Q2 2014Q2 2013
- 5pt - VantageWest Credit Union Connect Rewards
- 4% - Huntington Voice Business
- 3% - Bank of America BankAmericard Cash Rewards
3pt - BBVA ClearPoints Rewards (BBVA Compass CompassPoints Rewards)- 3pt - Huntington Voice Triple Rewards
Internet service
No annual fee
- 5% - Chase Ink Business Cash
- 5pt - Chase Freedom
- Q1 2021
Q1 2020
- 5pt - Chase Freedom Flex
- Q1 2021
Internet service
Annual fee
- 3pt - Chase Ink Business Preferred
Local transportation
No annual fee
10% / 5% - Discover it Cash Back & Discover it Student Cash BackQ1 2017Q1 2016Q1 2015
- 5% - U.S. Bank Cash+
5pt - Chase FreedomQ1 2017Q1 2016
- 3% - U.S. Bank's ACG / AAA Dollars Plus
- 3pt - Bank of America's AAA / AAA Member Rewards
Local transportation
Annual fee
- 3pt - AMEX Green
- 3pt - Chase Ink Business Preferred
- 3pt - Citi Premier (Citi ThankYou Premier)
- 3pt - City National Bank Crystal
Utility
No annual fee
- 5% - U.S. Bank Cash+
- 5pt - First National Bank Business Edition with Absolute Rewards
- 5pt - VantageWest Credit Union Connect Rewards
- 4% - Huntington Voice Business
- 3pt - Huntington Voice Triple Rewards
- 3pt - U.S. Bank Business Edge Select Rewards
Utility
Annual fee
3pt - BBVA Select (BBVA Compass Select)
Wholesale club
No annual fee
10% / 5% - Discover it Cash Back & Discover it Student Cash Back- Q2 2021
Q4 2018Q2 2017Q1 2017
- 5pt - Chase Freedom
- Q1 2021
Q4 2018Q4 2016Q3 2016Q2 2016
- 5pt - Chase Freedom Flex
- Q1 2021
- 5pt - VantageWest Credit Union Connect Rewards
- 4% - Huntington Voice Business
- 3pt - Bellco Credit Union Platinum Rewards