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.

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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

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Your choice(s)

No annual fee

• 5% - U.S. Bank Cash+
  • [5192] Bookstores
  • Car 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 Improvement
  • Restaurants
  • Travel
• 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)
  • Gas
  • Health Care
  • Utilities
• 3pt - SkyOne Platinum Elite

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Airfare

No annual fee

• 5% - Citi Dividend
  • Q3 2020
  • Q3 2019
  • Q3 2018
  • Q3 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 Rewards
  • Q4 2019
  • Q4 2018
  • Q4 2017
  • Q4 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 Rewards
  • Q4 2019
  • Q4 2018
  • Q4 2017
  • Q4 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

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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 Preferred
• 5pt - Chase Ink Business Plus
• 3pt - Chase Ink Business Preferred

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Charity

No annual fee

• 5pt - DuPage Credit Union Platinum Rewards
• 5pt - VantageWest Credit Union Connect Rewards

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Department store

No annual fee

• 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
  • Q4 2016
  • Q3 2015
• 5% - Citi Dividend
  • Q4 2020
  • Q4 2019
  • Q4 2018
  • Q4 2017
• 5% - U.S. Bank Cash+
• 5pt - Advia Credit Union with Advantage Points
  • Q4 2017
• 5pt - Chase Freedom
  • Q4 2018
  • Q4 2017
  • Q4 2016
• 5pt - VantageWest Credit Union Connect Rewards
• 3pt - Huntington Voice Triple Rewards

Department store

Annual fee

• 3% - AMEX Blue Cash Preferred

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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 2020
  • Q3 2019
  • Q3 2018
  • Q3 2017
  • Q2 2016
  • Q2 2015
  • Q1 2014
  • Q1 2013
• 10% / 1% - AMEX Blue Cash Everyday
• 5% - Nusenda Credit Union Platinum Cash Rewards
  • Q4 2020
  • Q2 2020
  • Q4 2019
  • Q2 2019
  • Q4 2018
  • Q2 2018
  • Q4 2017
  • Q2 2017
  • Q4 2016
  • Q2 2016
• 5% / 2% - U.S. Bank Cash+
• 5pt - Chase Freedom
  • Q3 2017
  • Q3 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 2020
  • Q4 2019
  • Q2 2019
  • Q4 2018
  • Q2 2018
  • Q4 2017
  • Q2 2017
  • Q4 2016
  • Q2 2016
• 3pt - Patelco Passage Rewards
• 3pt - Synchrony Bank / eBay
• 3pt - 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

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Drugstore

No annual fee

• 3pt - Chase Freedom Flex
• 3pt - Chase Freedom Unlimited

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Electronic store

No annual fee

• 5% - U.S. Bank Cash+
• 4% - Huntington Voice Business
• 3pt - Huntington Voice Triple Rewards

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Gas

No annual fee

• 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
  • Q2 2021
  • Q2 2020
  • Q2 2019
  • Q1 2018
  • Q1 2017
  • Q1 2016
  • Q1 2015
  • Q1 2014
  • Q1 2013
• 5% - Citi Dividend
  • Q1 2020
  • Q1 2019
  • Q1 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 2020
  • Q1 2020
  • Q3 2019
  • Q1 2019
  • Q3 2018
  • Q1 2018
  • Q3 2017
  • Q1 2017
  • Q3 2016
• 5% - Synchrony Bank / Sam's Club
• 5% - USAA Cashback Rewards Plus
• 5pt - Chase Freedom
  • Q1 2020
  • Q1 2019
  • Q3 2018
  • Q1 2017
  • Q1 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 2020
  • Q1 2020
  • Q3 2019
  • Q1 2019
  • Q3 2018
  • Q1 2018
  • Q3 2017
  • Q1 2017
  • Q3 2016
• 3pt - PenFed Platinum Cash Rewards
• 3pt - Synchrony Bank / eBay
• 3pt - 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 365
• 3pt - BBVA Select (BBVA Compass Select)
• 3pt - Citi Premier (Citi ThankYou Premier)
• 3pt - City National Bank Crystal
• 3pt - Santander Bravo
• 3pt / 2pt - AMEX Everyday Preferred

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Grocery / Supermarket

No annual fee

• 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
  • Q1 2021
  • Q1 2020
  • Q1 2019
  • Q2 2018
• 5% - Nusenda Credit Union Platinum Cash Rewards
  • Q1 2020
  • Q1 2019
  • Q1 2018
  • Q1 2017
• 5pt - Chase Freedom
  • Q2 2020
  • Q2 2019
  • Q2 2018
  • Q2 2017
  • Q2 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 Rewards
  • Q1 2020
  • Q1 2019
  • Q1 2018
  • Q1 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)

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Home improvement

No annual fee

• 5pt - Chase Freedom
  • Q2 2019
• 5pt - Discover it Cash Back & Discover it Student Cash Back
  • Q3 2015
  • Q2 2014
  • Q2 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

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Internet service

No annual fee

• 5% - Chase Ink Business Cash
• 5pt - Chase Freedom
  • Q1 2021
  • Q1 2020
• 5pt - Chase Freedom Flex
  • Q1 2021

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Internet service

Annual fee

• 3pt - Chase Ink Business Preferred

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Local transportation

No annual fee

• 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
  • Q1 2017
  • Q1 2016
  • Q1 2015
• 5% - U.S. Bank Cash+
• 5pt - Chase Freedom
  • Q1 2017
  • Q1 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

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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)

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Wholesale club

No annual fee

• 10% / 5% - Discover it Cash Back & Discover it Student Cash Back
  • Q2 2021
  • Q4 2018
  • Q2 2017
  • Q1 2017
• 5pt - Chase Freedom
  • Q1 2021
  • Q4 2018
  • Q4 2016
  • Q3 2016
  • Q2 2016
• 5pt - Chase Freedom Flex
  • Q1 2021
• 5pt - VantageWest Credit Union Connect Rewards
• 4% - Huntington Voice Business
• 3pt - Bellco Credit Union Platinum Rewards