Best Credit & Charge Cards by Merchant Categories

Best Credit & Charge Cards by Merchant Categories

This page organizes the best rewards credit & charge cards on every reward categories. The order of reward values are: miles > cash > points. It might includes signup bonus offers, 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% - 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 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% - 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% - 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
  • 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

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 BankAmericard 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 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

Your choice

Annual fee

  • 3pt - BBVA Compass Select
    • Gas
    • Health Care
    • Utilities

Airfare

No annual fee

  • 5% - Citi Dividend
    • 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 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
  • 3mi - TD First Class
  • 3pt - AMEX Gold (AMEX Premier Rewards Gold)
  • 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 - 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

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 Back
    • Q4 2016
    • Q3 2015
  • 5% - Citi Dividend
    • 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

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 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 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 - Barclaycard / Uber
  • 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 - BBVA Compass CompassPoints Rewards
  • 3pt - Chase / AARP Everyday Rewards
  • 3pt - Huntington Voice Triple Rewards
  • 3pt - Nusenda Credit Union Platinum Rewards
    • 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 - Chase Sapphire Reserve
  • 3pt - City National Bank Crystal
  • 3pt - Santander Bravo
  • 3pt - U.S. Bank FlexPerks Gold

Electronics

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 2019
    • Q1 2018
    • Q1 2017
    • Q1 2016
    • Q1 2015
    • Q1 2014
    • Q1 2013
  • 5% - Citi Dividend
    • Q1 2019
    • Q1 2018
  • 5% - First National Bank of Omaha / NRA Complete Rewards
  • 5% - Fort Knox Federal Credit Union Platinum
  • 5% - Nusenda Credit Union Platinum Cash Rewards
    • 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 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 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

  • 3% - AMEX Blue Cash Preferred
  • 3% - Wells Fargo Propel 365
  • 3pt - 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 2019
    • Q2 2018
  • 5pt - Chase Freedom
    • Q2 2019
    • Q2 2018
    • Q2 2017
    • Q2 2016
  • 5% - Nusenda Credit Union Platinum Cash Rewards
    • Q1 2019
    • Q1 2018
    • Q1 2017
  • 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 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

  • 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 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 Compass CompassPoints Rewards
  • 3pt - Huntington Voice Triple Rewards

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 - 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 Compass Select

Wholesale club

No annual fee

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