Discover and Bank of America cards are currently not available on CNBC Select and links have been redirected to our credit card marketplace where you can review offers from other issuers like American Express or Chase. You can also check out our list of best credit cards for alternative options. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Many credit cards earn bonus rewards in common spending categories, such as travel, dining and groceries. However, how card issuers classify purchases can differ.
How businesses categorize purchases can also be confusing. If you purchase groceries at a wholesale club, like Costco, you typically won't earn rewards under the supermarket category. And if you grab food at a restaurant located in a hotel, it may not qualify for dining rewards.
Below, CNBC Select reviews what expenses the major credit card issuers consider for bonus rewards for categories such as travel, dining, groceries, gas, streaming services and entertainment.
How card issuers classify purchases
Compare savings accounts
How American Express classifies bonus category purchases
Travel
American Express breaks down travel purchases into several categories and which travel categories you earn bonus rewards on can vary by card. If you have a co-branded card, you'll also earn additional points when you make an eligible purchase directly with that company, for example, Delta, Hilton or Marriott.
Airfare
- Airfare purchased directly from a passenger airline or with American Express Travel
Hotels
- The purchase must be made directly with the hotel or a prepaid stay booked with American Express Travel
- The purchase must be for a hotel stay
- Third-party reservations will qualify for additional rewards if you pay the hotel directly
Transit
- The purchase must be made with a company whose primary business is transit, including trains, taxis, rideshare services, parking, tolls, subways, etc.
Select car rentals
You will only earn additional rewards when you make a rental car purchase directly with a company that is part of Amex's select major rental car companies list, which includes:
- Alamo
- Avis
- Budget
- Dollar
- Enterprise
- E-Z
- Fox
- Hertz
- National
- Payless
- Sixt
- Thrifty
American Express® Green Card travel category
The American Express® Green Card features a general travel bonus category with additions to the above classifications.
- Airfare for a scheduled flight on a passenger carrier, chartered flights and private jet flights
- Hotel stays, timeshare rentals and vacation rentals
- Car rentals (no additional rewards for trucks or moving vans)
- Other travel purchases include cruises, tours, vacation packages and travel purchases made through tour operators and travel agencies, including online purchases.
Travel exclusions
- Airfare that is part of a vacation package won't earn additional rewards
- Airfare purchased from a third party may not earn additional rewards
- Hotel bookings that are part of a timeshare, event or vacation package
- Prepaid third-party hotel bookings
- Meeting rooms booked at a hotel
- Rental cars that are part of a vacation package or purchased through a third-party
- Certain types of travel, such as airfare, rental cars and cruises are not considered transit
Amex cards that earn bonus rewards on travel
The Platinum Card® from American Express is a premium card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more. (Enrollment required for select benefits mentioned)
- Access to 1,400+ airport lounges, including Priority Pass™ Select lounges (enrollment required) and Amex Centurion lounges
- Statement credit offers worth up to twice what the annual fee costs
- Elite status perks for hotels and rental cars (Enrollment required for select benefits mentioned)
- High annual fee
- Many statement credit offers are complicated and are earned in increments or limited to specific purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
N/A
Foreign transaction fee
None
The American Express Gold Card is great for earning valuable Membership Rewards® points at restaurants worldwide and U.S. supermarkets.
- You can earn $400+ in dining and rideshare credits every year (Enrollment required for select benefits mentioned)
- Exceptionally rewarding for eligible restaurant and U.S. supermarket purchases
- No foreign transaction fees
- Larger annual fee
- Credits are more complicated, you earn them monthly or semi-annually
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Foreign transaction fee
None
Dining
- Restaurants located in the U.S.
- Restaurants located worldwide (depending on the card you have)
Dining exclusions
- Restaurants located worldwide (depending on the card you have)
- Bars, nightclubs, convenience stores, supermarkets, grocery stores, cafeterias, caterers, theatre clubs, breweries, bakeries and meeting venues
- You may not earn additional rewards at a restaurant located within another establishment. For example, a cafe located inside a grocery store may not qualify as dining.
Amex cards that earn bonus rewards on dining
The American Express Gold Card is great for earning valuable Membership Rewards® points at restaurants worldwide and U.S. supermarkets.
- You can earn $400+ in dining and rideshare credits every year (Enrollment required for select benefits mentioned)
- Exceptionally rewarding for eligible restaurant and U.S. supermarket purchases
- No foreign transaction fees
- Larger annual fee
- Credits are more complicated, you earn them monthly or semi-annually
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Foreign transaction fee
None
The American Express® Green Card is geared toward those who frequently travel and eat out often, but don't want to shell out on a premium card.
- Up to $199 credit for a CLEAR® Plus membership each year (subject to auto-renewal)
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs
- No foreign transaction fees
- $150 annual fee
- No ongoing non-travel statement credit offers
Grocery stores
- A U.S. supermarket offers a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies
- Must be located in the U.S.
Grocery store exclusions
- Convenience stores and specialty stores (like fish markets, cheese shops, wine shops, and other specialty food stores)
- Superstores (like Target® and Walmart®)
- Warehouse clubs (like Costco, BJ's, etc.)
Amex cards that earn bonus rewards on groceries
The American Express Gold Card is great for earning valuable Membership Rewards® points at restaurants worldwide and U.S. supermarkets.
- You can earn $400+ in dining and rideshare credits every year (Enrollment required for select benefits mentioned)
- Exceptionally rewarding for eligible restaurant and U.S. supermarket purchases
- No foreign transaction fees
- Larger annual fee
- Credits are more complicated, you earn them monthly or semi-annually
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
Foreign transaction fee
None
The Blue Cash Preferred® Card from American Express is a low-fee card with generous cash-back rewards and useful ongoing benefits, such as a monthly Disney Bundle credit. (Enrollment required for select benefits mentioned)
- High cash-back earnings for U.S. supermarkets and streaming services
- Intro-APR offer for purchases and balance transfers
- No annual fee for the first year
- It's less rewarding after the first year because of the annual fee
- Bonus rewards for U.S. supermarkets are capped
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Gas
- A gas station is defined as a merchant that's primary business is selling gasoline to consumers. Gas stations may sell other convenience items, but the primary business must be selling gasoline to consumers
- Must be located in the U.S.
Gas exclusions
- Gas stations that are part of supermarkets and warehouse clubs that sell gasoline, unless specifically stated.
- Marina or any type of commercial fuel
Amex cards that earn bonus rewards on gas
The Blue Cash Everyday® Card from American Express has no annual fee and earns bonus rewards on a wide range of common expenditures.
- Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
- High cash-back rates in popular spending categories
- No annual fee
- The best bonus cash-back categories are capped
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
The Blue Cash Preferred® Card from American Express is a low-fee card with generous cash-back rewards and useful ongoing benefits, such as a monthly Disney Bundle credit. (Enrollment required for select benefits mentioned)
- High cash-back earnings for U.S. supermarkets and streaming services
- Intro-APR offer for purchases and balance transfers
- No annual fee for the first year
- It's less rewarding after the first year because of the annual fee
- Bonus rewards for U.S. supermarkets are capped
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Streaming services
To qualify for bonus rewards, the streaming service must be included on Amex's list of providers, which includes:
- Amazon Music Unlimited
- Apple Music
- Apple TV+
- Audible
- DirecTV Stream (formerly known as AT&T TV or AT&T TV NOW)
- Disney+
- ESPN+
- Fubo TV
- Hulu
- iHeartRadio
- Kindle Unlimited
- Luminary
- MAX (standalone streaming subscription only, formerly known as HBONow or HBO MAX)
- MGM+
- MLB.TV
- NBA League Pass
- Netflix
- NHL.TV
- Pandora
- Paramount+
- Peacock
- Prime Video
- Showtime
- Sling TV
- SiriusXM Streaming and Satellite
- Spotify
- Stitcher
- TIDAL Music
- YouTube Music Premium
- YouTube Premium
- YouTube TV
Streaming services exclusions
Subscriptions bundled with another product or service or billed by a third party, may not be eligible. So if you pay for a service through your car company or cable company, you may not qualify for bonus rewards.
Amex cards that earn bonus rewards on streaming
The Blue Cash Preferred® Card from American Express is a low-fee card with generous cash-back rewards and useful ongoing benefits, such as a monthly Disney Bundle credit. (Enrollment required for select benefits mentioned)
- High cash-back earnings for U.S. supermarkets and streaming services
- Intro-APR offer for purchases and balance transfers
- No annual fee for the first year
- It's less rewarding after the first year because of the annual fee
- Bonus rewards for U.S. supermarkets are capped
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Online shopping
- To qualify for additional rewards, an online retail transaction must be made through a website or digital app.
- The purchase must be from a U.S. retailer that sells physical goods directly to consumers.
Online shopping exclusions
- You will not earn bonus rewards for online orders that are paid for in-store
- You will not earn bonus rewards for online grocery orders, rideshare services, airfare, concert tickets, food delivery/restaurant orders, streaming services, wireless cellular providers, travel, entertainment, car dealers and gas stations
- In-store mobile digital wallet purchases do not qualify for additional rewards
Amex cards that earn bonus rewards on online shopping
The Blue Cash Everyday® Card from American Express has no annual fee and earns bonus rewards on a wide range of common expenditures.
- Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
- High cash-back rates in popular spending categories
- No annual fee
- The best bonus cash-back categories are capped
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
How Bank of America classifies bonus category purchases
Travel
- Airlines
- Boat leases and rentals
- Buses
- Campgrounds and trailer parks
- Car rental agencies
- Cruise lines
- Ferries
- Hotels, motels, resorts
- Limousines
- Motorhome and recreational vehicle rentals
- Parking lots and garages
- Passenger railways
- Real estate agents and managers (rentals)
- Recreation services
- Taxicabs
- Timeshares
- Toll and bridge fees
- Travel arrangement services
- Travel agencies and tour operators
- Tourist attractions and exhibits (amusement parks, carnivals, circuses, aquariums and zoos)
- Truck and trailer rentals
Travel exclusions
- Bank of America doesn't specify exclusions, except that it varies by how merchants classify purchases
Bank of America cards that earn bonus rewards on travel
- Introductory APR offer
- $200 online cash rewards bonus
- Have a choice of 6 different categories you can change monthly
- 3% foreign transaction fee
- Can't receive a greater cash-back rate unless you're a Preferred Rewards member
Information about Bank of America cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Dining
- Restaurants
- Fast-food chains
- Drinking establishments, such as bars, nightclubs or taverns
Dining exclusions
- Bank of America doesn't specify exclusions, except that it varies by how merchants classify purchases
Bank of America cards that earn bonus rewards on dining
- Up to $100 annual airline incidental credit
- 25% to 75% more points for Preferred Rewards members
- No fee charged on purchases made outside the U.S.
- No special financing offers on new purchases
Information about Bank of America cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Grocery stores
- Supermarkets/grocery stores
- Wholesale clubs
Grocery store exclusions
- Bank of America doesn't specify exclusions, except that it varies by how merchants classify purchases
Gas and EV charging
- Gas purchases at automated fuel dispensers; fuel dealers for coal, fuel oil, liquefied petroleum and wood; marinas and marine service and supplies; and service stations, with or without ancillary services
Gas and EV charging exclusions
- Wholesale clubs that offer pay at pump locations may or may not qualify
Online shopping
- This includes online and mobile app purchases in a variety of categories, including bookstores, discount stores, phone providers, sporting goods, clothing, department stores, cable/internet/streaming services and more.
Online shopping exclusions
- Insurance
- Doctors and hospitals
- Government services
- Schools
- Utilities
- Membership organizations
- Other non-retail services
Drugstores and pharmacies
- Drug stores
- Pharmacies
- Drug proprietors
- Druggists Sundries
Drugstore and pharmacy exclusions
- Bank of America doesn't specify exclusions, except that it varies by how merchants classify purchases
Home improvement and furnishings
- Plumbers, electricians, landscapers and carpenters
- Air conditioning and refrigeration repair shops
- Antique shops for sales, repairs and restoration services
- Architectural, engineering and surveying services
- Building materials, lumber stores, carpentry
- Carpet and upholstery cleaning
- Construction materials
- Crystal and glassware stores
- Drapery, upholstery and window coverings stores
- Electrical parts and equipment
- Equipment, furniture and home furnishings stores (except appliances)
- Equipment, tool, furniture and appliance rental and leasing
- Fireplace, fireplace screens and accessories stores
- Floor covering stores
- Florist suppliers, nursery stock and flowers
- Furniture reupholstering, repair and refinishing
- General contractor/residential building
- Glass, paint, wallpaper stores
- Hardware equipment and supplies
- Hardware stores
- Heating, plumbing, air conditioning contractors
- Home supply warehouse stores
- Household appliance stores
- Landscaping and horticultural services
- Lawn and garden supply stores
- Masonry, stonework, tile setting, plastering, insulation contractors
- Miscellaneous house furnishing specialty shops
- Office and commercial furniture
- Paints, varnishes and supplies
- Plumbing and heating equipment and supplies
- Roof, siding and sheet metal work contractors
- Special trade contractor
Home improvement and furnishings exclusions
- Bank of America doesn't specify exclusions, except that it varies by how merchants classify purchases
How Capital One classifies bonus category purchases
Travel
- Hotel and car rentals booked through Capital One Travel
- Flights and vacation rentals booked through Capital One Travel may be eligible for additional rewards depending on which card you have
Travel exclusions
- Purchases made outside of Capital One Travel, such as hotel incidentals, upgrades or other expenses
Capital One cards that earn bonus rewards on travel
The Capital One Venture Rewards Credit Card has a reasonable annual fee and earns flexible travel rewards, which makes it a great travel card for beginners or heavy travelers.
- Valuable welcome offer worth at least $750 in travel
- You can transfer miles to over 15 Capital One partners, including Emirates Skywards, Choice Privileges and Singapore Airlines KrisFlyer
- No foreign transaction fees
- Lacks ongoing travel benefits such as statement credits or lounge access
- Limited bonus spending category that only applies to certain Capital One Travel bookings
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that's equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fee
None
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
- Annual $300 credit for bookings through Capital One Travel
- 10,000 bonus miles after every card anniversary
- Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge locations
- Long list of valuable travel and shopping protections, including return protection, rental car coverage and trip delay reimbursement (Benefit(s) only available to accounts approved for the Visa Infinite card. Terms apply.)
- Limited bonus spending categories compared to other premium credit cards
- High annual fee
- High credit score requirement (excellent credit)
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more. You can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
$0
The Capital One VentureOne Rewards Credit Card earns transferrable miles, which is a stand-out benefit for a no-annual-fee card.
- You can transfer miles to over 15 Capital One partners, including Emirates Skywards, Choice Privileges and Singapore Airlines KrisFlyer
- No annual fee
- Limited bonus spending category that only applies to certain Capital One Travel bookings
- No travel credits and limited travel protections
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
Balance transfer fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
Foreign transaction fee
None
Dining
- Restaurants
- Cafes
- Bars
- Lounges
- Fast-food chains
- Bakeries
Dining exclusions
- Food trucks, food carts and restaurants in department stores or hotels may not qualify
Entertainment
- Ticket purchases made at movie theaters, record stores, video rental locations, amusement parks, sports promoters (professional and semi-professional live events), theatrical promoters, concert promoters, tourist attractions, aquariums, zoos, dance halls, pool halls or bowling alleys
Entertainment exclusions
- Golf courses, country clubs (including membership fees)
- Collegiate sporting events categorized as "universities"
- Cable, digital streaming and membership services
- Charitable organizations that provide live entertainment
- Amusement park tickets purchased on third-party sites
- Entertainment and resort packages categorized as "travel" or "hotel"
Grocery stores
- Supermarkets/grocery stores
- Meat locker, freezer, dairy product store
- Specialty markets
Grocery store exclusions
- Superstores (like Walmart® and Target®)
Streaming services
- Eligible music and video streaming services, including (but not limited to) Netflix, Hulu and Disney+
Streaming service exclusions
- Prime Video
- AT&T TV
- Verizon FIOS On Demand
- Audiobook subscription services and fitness programming
Capital One cards that earn bonus rewards on dining, groceries, streaming services and entertainment
The Capital One Savor Cash Rewards Credit Card is one of the most rewarding options for earning cash back in categories such as entertainment and dining without paying an annual fee.
- One of the most rewarding cash-back cards for entertainment and streaming services
- No annual fee
- Easy-to-earn welcome bonus
- High APR
- Requires a good to excellent credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Balance transfer fee
3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
The Capital One Savor Student Cash Rewards Credit Card is a card designed for students with rewards rates that match many of the top cash-back credit cards.
- High cash-back rates for common student expenses, such as groceries, dining and entertainment
- No annual fee
- No foreign transaction fees
- High APR
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Balance transfer fee
4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
How Chase classifies bonus category purchases
Travel
- Airlines
- Hotels
- Motels
- Timeshares
- Car rental agencies
- Cruise lines
- Travel agencies
- Discount travel sites
- Campgrounds and operators of passenger trains
- Buses
- Taxis
- Limousines
- Ferries
- Toll bridges and highways
- Parking lots and garages
Travel exclusions
- Merchants that provide transportation and travel-related services are not included in this category; for example, real estate agents, educational merchants arranging travel, in-flight purchases, on-board cruise purchases, sightseeing activities, excursions, tourist attractions, boat rentals, RV rentals, merchants within hotels and airports, and merchants that rent vehicles for hauling
- Purchasing of gift cards, points or miles does not qualify in this category unless the merchant has set up such purchases to be classified in the travel category
Dining
- Restaurant category merchants' primary business is sit-down or eat-in dining, including fast-food restaurants and fine-dining establishments
Dining exclusions
- Merchants that sell food and drinks located within facilities such as sports stadiums, hotels and casinos, theme parks, grocery and department stores will not be included in this category unless the merchant has set up such purchases to be classified in a restaurant category
- Bakeries, caterers, gift card and delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the restaurant category
Chase cards that earn bonus rewards on dining and travel
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access to 1,300+ airport lounges worldwide, including Sapphire Lounge by The Club locations
- Up to $300 in annual travel credit
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- $50 annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Grocery stores
- Supermarkets/grocery stores
- Merchants that offer a full-service grocery line of merchandise including a deli and bakery as well as smaller grocery stores
Grocery store exclusions
- Warehouse clubs
- Discount stores
- Smaller merchants such as drugstores
- Merchants that specialize in only a few grocery items
- Purchases made at gas stations from merchants who also operate grocery stores are not included in this category
- Delivery service merchants will not be included in this category unless the merchant has set up such purchases to be classified in the grocery stores category
Drugstores
- Merchants that specialize in selling prescription drugs, supplements, over-the-counter medications and other health-related items
- These retailers may also sell toiletries, greeting cards, household supplies, cosmetics and packaged food or drinks
Drugstore exclusions
- Onsite pharmacies at discount stores, warehouse clubs or grocery stores are not included in this category
Chase cards that earn bonus rewards at drugstores
The Chase Freedom Unlimited® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus.
- Valuable welcome bonus and high rewards rates
- Long intro APR for purchases and balance transfers
- No annual fee
- Has a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
How Citi classifies bonus category purchases
How Citi classifies purchases varies by card, so the lists below may not cover every specific inclusion or exclusion, please refer to your Citi credit card's terms for an exhaustive list.
Travel
- Airlines
- Hotels
- Car rentals
- Travel agencies
- Cruise lines
- Some Citi cards earn additional rewards for select purchases made through CitiTravel.com or Costco Travel
Travel exclusions
- Commuter travel
- Timeshares
- Boat leases and rentals
- Real estate agencies
- Campgrounds and trailer parks
Dining
- Restaurants, cafes, bars, lounges, fast-food, delivery and take out
Dining exclusions
- Caterers
- Restaurants located inside other establishments, such as hotels, stores, stadiums, discount and or warehouse clubs
Citi cards that earn bonus rewards on travel and dining
The Citi Strata Premier℠ Card has competitive rewards rates and unlocks access to all of the Citi ThankYou® transfer partners, which boosts the value of your points.
- Unlocks point transfers to all of the Citi ThankYou® partners, including Emirates Skywards, Choice Privileges, Flying Blue and more
- Generous bonus spending categories include dining, supermarkets, hotels and flights
- Valuable welcome bonus
- Has an annual fee
- Car rental coverage is secondary, not primary
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Balance transfer fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
The Costco Anywhere Visa® Card by Citi is a valuable card to pair with a Costco membership, but the rewards program is more restrictive than what you get with a typical cash-back card.
- High rewards rates for gas/EV charging and travel
- No foreign transaction fees
- Restrictive rewards that you can only cash out once per year
- Requires a paid Costco membership
- No welcome bonus
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Balance transfer fee
5% of each balance transfer; $5 minimum
Foreign transaction fee
None
The Citi Rewards+® Card has a handful of interesting perks, like a 10% rebate on points redemptions, that make it a good card to pair with other Citi credit cards.
- Unique perks such as the 10% rebate on points redemptions and round up to the nearest 10 points on all purchases
- Long intro APR for purchases and balance transfers
- No annual fee
- Low rewards rate on most purchases
- Has a foreign transaction fee
Rewards
- As a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
- 1X ThankYou® Points on All Other Purchases.
Balance transfer fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Foreign transaction fee
3%
Grocery stores
- Supermarkets/grocery stores
Grocery store exclusions
- General merchandise/discount superstores
- Drugstores, warehouse clubs, wholesale clubs, specialty vendors, candy stores, nut stores, confectionery stores, and meal kit delivery services
- Some online supermarkets may not qualify
Gas and EV charging
- Gas
- EV charging
Gas exclusions
- Fuel purchased for commercial purposes or used for non-automobile purposes
- Gas and EV charging purchases at warehouse clubs, discount stores, department stores and convenience stores may not qualify
Citi cards that earn bonus rewards on groceries and gas
The Citi Rewards+® Card has a handful of interesting perks, like a 10% rebate on points redemptions, that make it a good card to pair with other Citi credit cards.
- Unique perks such as the 10% rebate on points redemptions and round up to the nearest 10 points on all purchases
- Long intro APR for purchases and balance transfers
- No annual fee
- Low rewards rate on most purchases
- Has a foreign transaction fee
Rewards
- As a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
- 1X ThankYou® Points on All Other Purchases.
Balance transfer fee
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.
Foreign transaction fee
3%
How Discover classifies bonus category purchases
Dining
- Full-service restaurants
- Cafes
- Cafeterias
- Fast-food chains
- Restaurant delivery services
Dining exclusions
- Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
Gas
- Merchants that sell automotive gasoline that can be paid for either at the pump or inside the station, and some electric vehicle charging stations
Gas exclusions
- Gas stations affiliated with superstores, supermarkets, discount stores, warehouse clubs or wholesale distributors may not be eligible
- Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
Discover cards that earn bonus rewards on gas and dining
Information about Discover cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Information about Discover cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Grocery store
- Supermarkets/grocery stores
- Meat lockers
- Bakeries
- Smaller grocery stores
- Grocery delivery services
Grocery store exclusions
- Purchases made at convenience stores, wholesale clubs and discount stores are not eligible.
- Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible
Discover cards that earn bonus rewards at grocery stores
Information about Discover cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
FAQs
Do mobile wallet purchases earn rewards?
Mobile wallet and digital wallet purchases will usually earn rewards. Some cards even offer additional rewards for these transactions.
What's the best way to maximize my credit card rewards?
The best way to earn the most credit card rewards is to use a card for purchases where it gets you the highest return. However, if you don't want to manage multiple cards for different categories, a card that earns at least 2% cash back on all purchases can give you an above-average return everywhere.
What purchases qualify for credit card rewards?
You'll typically earn rewards on eligible goods and services you pay for with your credit card, minus returns or refunds. Transactions such as cash advances, balance transfers, money orders, lottery tickets and other cash-like purchases normally won't earn rewards.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
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Information about the Chase Freedom®, Bank of America® Customized Cash Rewards credit card, Bank of America® Premium Rewards® credit card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the cards prior to publication.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Information about the American Express® Green Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of theBlue Cash Everyday® Card from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the American Express® Green Card, click here.
For rates and fees of the Discover it® Cash Back, click here.
For rates and fees of the Discover it® Secured Credit Card, click here.
For rates and fees of the Discover it® Chrome, click here.
