Best Credit Cards for Each Bonus Category of December 2025

• Written by Jasmin Baron, CCC™
  

  Jasmin Baron, CCC™

  Credit Cards, Travel Rewards, Loyalty Programs, Family Travel, Credit Building, Credit Scores

  Jasmin Baron is a NACCC Certified Credit Counselor™ and CardCritics’ senior editor, responsible for editing and writing credit cards, travel rewards, loyalty program, and other credit-related content. She is passionate about personal finance education and enjoys sharing tips and tricks for making the most of credit card points and miles with her readers. Her expertise in maximizing credit card travel rewards originated from over two decades of aviation industry experience, including 18 years working as a pilot and college professor/flight instructor in her native Canada. Her work has appeared on sites such as CNN Underscored Money, Business Insider, The Points Guy, and point.me. When she’s not planning her next trip with credit card rewards, you’ll probably find her tinkering around in the kitchen, hanging out with her three kids, or playing with her dog, Benji.

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• Edited by Antonio Ruiz-Camacho
  

  Antonio Ruiz-Camacho

  Credit cards, travel rewards, points and miles, credit building, budgeting, premium travel, consumer credit

  Antonio has two decades of experience leading editorial teams and a decade covering personal finance. Before joining CardCritics, he served as senior director of credit cards content at Bankrate and associate director of life insurance content at Policygenius. His work has been featured in U.S. News, Newsweek, USA Today and CNET. He was nominated for a National Magazine Award. Antonio's favorite credit card is The Platinum Card® from American Express. His favorite loyalty programs include World of Hyatt and Southwest Rapid Rewards. His favorite credit card perk is the annual CLEAR credit offered by his Amex Platinum card.

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• Last Updated Dec 15, 2025

Whether you’re a credit card beginner or veteran, using a credit card that awards bonus points, miles or cash back in certain categories can amplify your earnings and help you maximize rewards.

With so many options available, it can be challenging to choose the right credit card for your lifestyle and spending habits. We’ve rounded up the top rewards credit cards in popular spending categories to help you navigate this crowded landscape — and give your rewards earning a big boost.

Let’s unpack the best credit cards for each bonus category.

Groceries

Groceries are a significant expense for many households, particularly families, so why not earn extra rewards for spending you have to make anyway? The best grocery credit cards include options that earn cash back, flexible points and travel miles. The right choice for you depends on your reward preferences and willingness to pay an annual fee.

My favorite grocery credit card is the American Express® Gold Card, an advertising partner. It earns 4x American Express Membership Rewards® points at U.S. supermarkets on up to $25,000 per year (then 1x), making it a strong choice for those with high grocery bills who want to earn transferable travel points. It has a $325 annual fee, though, so you’ll want to carefully review the card’s benefits to ensure the Amex Gold is worth it for you.

If you prefer redeeming rewards for cash back, we love these other options:

• Blue Cash Preferred® Card from American Express: The Blue Cash Preferred Card earns 6% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1%). It has a $0 intro annual fee for the first year, then $95. Here’s how to figure out if the Blue Cash Preferred Card is worth it for your family.
• Blue Cash Everyday® Card from American Express: The no-annual-fee Blue Cash Everyday Card earns 3% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1%). 
• Capital One Savor Cash Rewards Credit Card: With no annual fee, the Savor Card earns an unlimited 3% cash back at the grocery store, making it a good choice if you think you might exceed a spending cap on other cards.
• Chase Sapphire Preferred® Card: The $95-annual-fee Sapphire Preferred Card earns 3x Chase Ultimate Rewards® points on online grocery purchases (excluding Target, Walmart and wholesale clubs), so it’s a good pick if you prefer to have your groceries delivered. You can redeem Ultimate Rewards points for cash back at a rate of 1 cent each, but you’ll typically get more value by transferring them to Chase’s airline and hotel partners.

Dining

A meal out can be pricey, but using one of the best credit cards for dining can reward you handsomely — particularly if it comes with other restaurant-centered perks, like statement credits or complimentary food delivery subscriptions. Again, my go-to card for dining is the Amex Gold, since it earns 4x points at restaurants worldwide, on up to $50,000 in purchases per year (then 1x). 

Amex Gold benefits are particularly valuable for foodies, since, once you enroll, they include up to $100 in credit toward U.S. Resy restaurant purchases each year (up to $50 from January to June, and up to $50 from July to December), up to $84 per year (up to $7 per month) in credits toward U.S. Dunkin’ purchases, and up to $120 per year (up to $10 per month) in dining credits toward purchases with participating restaurants and platforms, such as Five Guys and Grubhub. Cardholders also receive up to $120 in Uber Cash annually ($10 per month), which can be used on U.S. Uber Eats orders (just be sure that you have the newest version of the Uber, Uber Eats or Postmates app and add your Amex Gold as a payment method).

Depending on your rewards preferences, any of the restaurant credit cards below are also worth serious consideration:

• Capital One Savor Card: Given its name, it’s not surprising that the Savor Card is a rewarding card for dining, earning unlimited 3% cash back on restaurant spending.
• Chase Sapphire Reserve®: This premium card, with a $795 annual fee, earns 3x points on dining worldwide. Cardholders receive up to $300 per year (up to $150 from January to June and up to $150 from July to December) in statement credits toward restaurants that are part of the Sapphire Exclusive Tables program on OpenTable. You can also enroll for a complimentary DoorDash DashPass membership (activation required by Dec. 31, 2027), and receive up to $300 annually in DoorDash promo credits.
• Citi Strata Elite℠ Card: The $595-annual-fee Strata Elite, an advertising partner, is an especially good pick for those who dine out on the weekend. Its Citi Nights℠ feature awards 6x ThankYou® points on dining purchases on Fridays and Saturdays between 6 p.m. and 6 a.m. Eastern Time (outside of these times, it still earns a respectable 3x points at restaurants).  
• Wells Fargo Autograph® Card: This no-annual-fee card earns unlimited 3x points in several popular categories, including dining. Wells Fargo Rewards are flexible, so you can redeem points for cash back, travel, and even transfer them to airline and hotel partners.

Travel

Using one of the best travel credit cards when you’re on the road can earn you extra rewards, make your journey more comfortable, and even protect you if things go wrong on a trip. Many travel credit cards charge annual fees (sometimes steep), but no-annual-fee travel credit cards can scratch the itch for those who prefer a budget-friendly option.

The Chase Sapphire Preferred Card stands out as a top option for travel newbies and experts alike, packing a big punch for a manageable $95 annual fee. Chase Sapphire Preferred benefits include earning 5x points on Chase Travel℠ purchases (2x on other travel), an annual credit of up to $50 toward hotels booked through Chase, the ability to transfer points to partners, and excellent travel insurance coverage. This was the first proper travel credit card I opened over a decade ago, and I still recommend it to friends and family who are just getting started with travel rewards.

Here are other travel credit cards worthy of a close look:

• Citi Strata Premier® Card: The Strata Premier Card is a solid mid-tier travel card with a $95 annual fee. It earns 10x Citi ThankYou points on hotels, car rentals and attractions booked through CitiTravel.com, and 3x points on air travel and other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations. Each year, cardholders also receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through Citi Travel.
• Wells Fargo Autograph Journey℠ Card: The Autograph Journey Card shines for its high earning rates: 5x points on hotels, 4x points on airlines and 3x points on restaurants and other travel. Cardholders can earn a $50 statement credit each year when they make a $50 minimum airline purchase, which helps justify the $95 annual fee.
• Bank of America® Travel Rewards credit card: This card is a good choice if you prefer simplicity, since it earns 1.5x points on all purchases with no bonus categories to track. You can redeem rewards at 1 cent apiece toward travel or dining purchases, and the card doesn’t charge an annual fee or foreign transaction fees. Plus, if you’re a Bank of America Preferred Rewards® customer, you can earn up to 75% more points on your spending.
• Capital One Venture Rewards Credit Card: With a $95 annual fee, the Venture Card earns unlimited 5x Capital One miles on hotels, vacation rentals and car rentals booked through Capital One Travel, and 2x miles on all other purchases. Travel perks include a statement credit of up to $120 every four years toward the Global Entry or TSA PreCheck® application fee.

Gas Stations

With fuel prices as high as they are, using one of the best credit cards for gas on this unavoidable expense can translate into significant savings — or give your points balance a boost for your next road trip.

I always swipe my Citi Strata Premier Card at the pump to earn 3x ThankYou points, but when gas stations earn a bonus on the rotating category credit cards I have (the Chase Freedom Flex® and Discover it® Cash Back), I’ll move my spending to those cards temporarily. 

Other great cards to consider for fuel purchases include:

• Wells Fargo Autograph Card: Gas stations and EV charging earn 3x points with the Autograph Card, making it a strong choice if you prefer a no-annual-fee card.
• Amex Blue Cash Everyday Card: Also with no annual fee, the Blue Cash Everyday Card earns 3% cash back at U.S. gas stations on up to $6,000 in spending per year (then 1%).
• Amex Blue Cash Preferred Card: The Blue Cash Preferred Card earns 3% cash back at U.S. gas stations with no caps. But note the $0 intro annual fee for the first year, then $95. 
• U.S. Bank Altitude® Connect Visa Signature® Card: This no-annual-fee card earns 4x points at gas and EV charging stations, on up to $1,000 per quarter (then 1x). 

Streaming Services

Paying for streaming subscriptions such as Netflix, Hulu, Spotify and Disney+ can put a major dent in a household budget. Earning bonus rewards for these purchases can take away some of the sting, and a handful of cards come with statement credits to help offset streaming expenses, too.

It’s hard to beat the Amex Blue Cash Preferred Card in this category, because it earns an uncapped 6% cash back on select U.S. streaming subscriptions, and also comes with up to $120 a year (up to $10 per month) in statement credits toward U.S. Disney+, ESPN and Hulu auto-renewing subscriptions (enrollment required).

If the Blue Cash Preferred Card doesn’t appeal, consider one of these cards instead:

• Capital One Savor Card: The Savor Card earns unlimited 3% cash back on popular streaming services.
• Chase Sapphire Preferred Card: This is the card I use to pay for most of my family’s subscriptions, because it earns 3x points on select streaming services.
• U.S. Bank Altitude® Go Visa Signature® Card: The Altitude Go earns 2x points on streaming services, and also awards a $15 credit each when you make eligible streaming service purchases for 11 consecutive calendar months.
• American Express Platinum Card®: One of the lesser-known benefits of the Amex Platinum is up to $300 in annual digital subscription credits (doled out as up to $25 per month) once you enroll. These credits can be used toward Disney+ (including a Disney bundle), ESPN+, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium and YouTube TV subscriptions. I use this card to cover the cost of my family’s Disney bundle. The card does charge a hefty $895 annual fee. 

Entertainment

Do you love to go to the movies, attend concerts or take in sporting events? A credit card with entertainment as a bonus category can boost your rewards on those purchases, and in some cases, unlock exclusive access to hard-to-get tickets.

We like the Capital One Savor Card for its uncapped 3% cash back on entertainment spending, which includes bowling alleys, movie theaters, amusement parks, tourist attractions, aquariums, zoos, record stores, dance halls and pool halls. Plus, it earns 8% back on tickets purchased through the Capital One Entertainment platform, which also offers access to VIP packages and events. 

Other strong options for entertainment spending include:

• Citi Custom Cash® Card : The Custom Cash Card automatically earns 5% cash back on up to $500 in purchases (then 1%) per billing cycle in the eligible category where you spend the most — and live entertainment is one of those categories. It also comes with access to the exclusive Citi Entertainment platform. 
• U.S. Bank Cash+® Visa Signature® Card: Cinema fans could do very well with the U.S. Bank Cash+ Visa Signature Card, which offers 5% cash back on two eligible categories you choose (up to $2,000 in combined spending per quarter, then 1%) — including movie theaters.
• Chase Sapphire Reserve: The Chase Sapphire Reserve got a huge makeover recently, and one new benefit is up to $300 in annual StubHub and Viagogo statement credits (up to $150 from January to June and up to $150 from July to December) once you activate, through Dec. 31, 2027.
• Wells Fargo Attune World Elite Mastercard®: The Attune Card offers a broad range of unique 4% cash back categories, including sports, recreation and entertainment. 

Airfare

The best airline credit cards earn bonus rewards on flight purchases, and many come with day-of-travel perks that can save you money and improve your experience, such as free checked bags, priority boarding and even airport lounge access.

When choosing an airline credit card, you’ll want to consider the airlines you fly with the most and which benefits you’re likely to use. For example, if you fly out of Delta Air Lines hubs like Minneapolis (MSP) or Atlanta (ATL) often, opening a Delta credit card makes a lot of sense. Or, if your home airport is Chicago O’Hare (ORD) or Dallas Fort Worth (DFW), an American Airlines credit card would be useful. 

If you’re not loyal to a particular airline, a more general travel rewards card that earns a bonus on airfare purchases might be the better play. My favorite is the Chase Sapphire Preferred Card, because it earns 2x points on travel purchases, including flights (and earns 5x points if you book those flights through Chase Travel). It’s also one of the best credit cards for travel insurance, offering protections like trip delay reimbursement, trip cancellation/interruption insurance, lost luggage reimbursement, and baggage delay insurance.

Depending on your travel priorities, one of these cards could also be an excellent choice:

• Amex Platinum: This card earns 5x points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 in purchases per calendar year. It’s packed with flight-adjacent benefits, too, including up to $200 per year in airline incidental fee credits (enrollment required), up to $209 per year in statement credits toward CLEAR® Plus membership, a Global Entry or TSA PreCheck application fee credit, and access to the Amex Global Lounge Collection. 
• Wells Fargo Autograph Journey Card: The Autograph Journey Card earns 4x points on airlines and provides an annual $50 statement credit when you make a $50 minimum airline purchase.
• Capital One Venture X Rewards Credit Card: The Venture X has a $395 annual fee, but offers a $300 annual Capital One Travel credit that can be used for airfare. It earns 2x miles on most purchases, except flights and vacation rentals booked through Capital One Travel (5x miles) and hotels and rental cars booked through the same platform (10x miles). It also includes excellent travel protections, comes with a Global Entry/TSA PreCheck credit, and offers access to Priority Pass™ and Capital One Lounges.
• Chase Sapphire Reserve: Similarly, the Sapphire Reserve offers an annual travel credit worth up to $300 that can be applied to a wide variety of travel purchases, including airfare. It earns 4x points on flights booked directly with airlines (and 8x points on Chase Travel spending), plus offers up to $120 in credit every four years toward the Global Entry, TSA PreCheck or NEXUS application fee. Cardholders can also access Priority Pass lounges, select Air Canada Maple Leaf Lounges and Air Canada Cafés, and Chase Sapphire Lounges.

Hotels

As with airline credit cards, choosing a hotel credit card depends on your brand preferences and travel habits. The best hotel credit cards include co-branded options from Marriott Bonvoy, Hilton Honors, World of Hyatt, IHG One Rewards and more. But again, if you’re not loyal to a certain chain, a general travel card may be a better option.

I like the Chase Sapphire Preferred Card because of its boosted earning rates on travel purchases and up to $50 in credits each year toward hotels booked through Chase Travel. 

Depending on your travel style, one of these other cards could fit the bill for hotel bookings:

• American Express Platinum Card®: The Amex Platinum is worth it for me, even with its $895 annual fee, in part because of its hotel perks. I love getting up to $600 a year in statement credits (up to $300 semi-annually) toward Amex Fine Hotels and Resorts and Hotel Collection bookings. Cardholders can also activate complimentary Hilton Honors Gold, Marriott Bonvoy Gold and Leading Hotels of the World Leaders Club Sterling status.
• Citi Strata Premier Card: With the Strata Premier Card, you’ll earn 10x Citi ThankYou points on hotels booked through CitiTravel.com, and 3x points on other hotel purchases. Cardholders receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through Citi Travel once each year.
• Chase Sapphire Reserve: Besides up to $300 in annual travel credit (which can be used for hotels), the Sapphire Reserve earns 4x points on hotels booked direct and 8x points on Chase Travel bookings, including hotels. It also comes with up to $500 in annual credit (up to $250 semi-annually) toward hotel stays with The Edit, Chase’s luxury hotel program, and complimentary IHG One Rewards Platinum elite status after enrollment.
• Citi Strata Elite: If you don’t mind booking through Citi Travel, the Strata Elite earns an incredible 12x points on hotels, car rentals and attractions booked through the platform. Once a year, cardholders can take advantage of up to $300 off a hotel stay of two nights or more booked through Citi Travel.

Online Shopping

You can buy just about anything online nowadays, and in many cases, earn bonus rewards for your purchase. The best credit cards for online shopping include cash-back cards that have online retailers as a bonus category, as well as flat-rate cards that earn a high rate on all purchases.

My top pick is the Bank of America® Customized Cash Rewards credit card, because it allows you to choose an eligible category in which to earn the highest rewards, and online shopping is included. You can change your category once per quarter, so when the holiday season comes around, I make sure to switch to online shopping to maximize rewards.

Other solid choices include:

• Amex Blue Cash Everyday Card: This card earns 3% cash back on U.S. online retail purchases on up to $6,000 in spending per year (then 1%). Blue Cash Everyday Card benefits also include purchase protection, which can cover you if an eligible item you paid for with the card is stolen or accidentally damaged within 90 days of purchase.
• U.S. Bank Shopper Cash Rewards® Visa Signature® Card: The Shopper Cash Rewards Card earns 6% cash back with two retailers you choose from a list of eligible partners, on up to $1,500 in combined eligible purchases each quarter. Qualifying retailers include popular online favorites such as Amazon, Best Buy, Target and Walmart.
• Prime Visa: Amazon Prime members can earn 5% back on Amazon.com, Amazon Fresh, Whole Foods and Chase Travel purchases with this no-annual-fee card, which also includes perks like purchase protection and extended warranty.
• Wells Fargo Active Cash® Card: The no-annual-fee Active Cash Card keeps things simple by earning unlimited 2% cash rewards on purchases, including online shopping. It’s perfect for those who don’t want to keep track of bonus categories or spending caps.

Drugstores

There aren’t a ton of cards with drugstores as a rewards category, but the ones that offer a bonus on this spending are good for an even wider range of purchases. 

I always reach for my Chase Freedom Unlimited® for purchases at CVS, Walgreens and my local pharmacy. It earns 3% cash back at drugstores (and on dining), plus 5% back on Chase Travel purchases and 1.5% back on everything else.

You could also do well by swiping these cards at the drugstore:

• Citi Custom Cash Card: If drugstore purchases are a major expense for you, the Custom Cash Card could be especially rewarding. It earns 5% cash back on up to $500 in purchases (then 1%) per billing cycle in the eligible category where you spend the most, including drugstores. 
• Chase Freedom Flex: Like the Freedom Unlimited, the Freedom Flex earns 3% cash back at drugstores and on dining, and 5% back on Chase Travel purchases. Its superpower is its quarterly rotating categories, in which you can earn 5% back on up to $1,500 in combined spending per quarter (then 1%) after activation.
• Bank of America Customized Cash Rewards card: This card lets you choose one eligible category each quarter in which to earn the most cash back, and drugstores and pharmacies are one of the options.
• AARP® Essential Rewards Mastercard® from Barclays: You don’t need to be an AARP member to apply for this no-annual-fee card, which earns unlimited 3% back on drugstore purchases (excluding Target and Walmart) as well as at gas stations. It also earns unlimited 2% cash back on eligible medical expenses, such as doctors, dentists, chiropractors, glasses and hearing aids.

Department Stores

You’ve probably been offered a discount when you open a co-branded credit card at department store checkout counters. While these offers can be tempting, retailer-specific credit cards tend to be one-trick ponies with limited use outside of a certain brand.

A general rewards credit card that offers a high rate of return on department store or certain retailer spending is often the smarter move. My favorite is the U.S. Bank Cash+ Visa Signature Card, which lets you choose two eligible categories to earn 5% cash back (up to $2,000 in combined spending per quarter, then 1%). Department stores are one of the options.

These other picks are also worth considering:

• U.S. Bank Shopper Cash Rewards: With this card, you can earn 6% cash back at two retailers you choose from a list of eligible partners, on up to $1,500 in combined eligible purchases each quarter. Merchants include popular department stores like Kohl’s, Macy’s and Nordstrom, and retailers like Target and Walmart.
• Amex Blue Cash Everyday Card: If you shop online, this card earns 3% cash back on U.S. online retail purchases (including department stores) on up to $6,000 in spending per year (then 1%). 
• Wells Fargo Active Cash Card: Don’t want to fuss with bonus categories? The Active Cash Card is an easy fix, earning unlimited 2% cash rewards on purchases across the board.
• Citi Double Cash® Card: The Double Cash Card also earns 2% cash back on purchases — 1% when you buy, and 1% when you pay. No categories to track!

Ride Sharing

The best credit cards for Uber and Lyft include options that earn bonus rewards for rideshare purchases, plus cards that come with perks like statement credits toward these expenses.

I love the Amex Platinum because it comes with up to $200 per year in Uber Cash ($15 per month, plus a bonus $20 in December), which can be used for U.S. rides and Uber Eats orders when you select an Amex card for the transaction. Cardholders also receive up to $120 in statement credits each year toward an auto-renewing Uber One membership in the U.S. These perks, among others, help me justify the card’s $895 annual fee.

You’ve also got more affordable options for maximizing your rideshare expenses, including:

• Amex Blue Cash Preferred Card: This card earns unlimited 3% cash back on transit, which includes rideshare, taxis, parking, tolls, trains and buses. There’s a $0 intro annual fee for the first year, then $95.
• American Express® Green Card**: With a $150 annual fee, this card earns 3x Membership Rewards points on transit, which includes rideshare services, trains, taxicabs, ferries, tolls, parking, buses and subways.
• Amex Gold: Although this card doesn’t earn anything extra for rideshare purchases, it does come with up to $120 per year ($10 per month) in Uber Cash, which you can use toward U.S. Uber rides, Uber Eats and Postmates food delivery. You’ll need to add your card as the payment method to the newest version of the Uber, Uber Eats or Postmates app to trigger the benefit.
• Chase Sapphire Reserve: Cardholders can earn 5x points on Lyft rides through Sept. 30, 2027, and receive up to $10 per month in Lyft in-app credits through the same date.

Luxury Travel

Premium credit cards can unlock upscale perks such as airport lounge access, elite status, luxury hotel experiences and a fast-track through airport security. But these cards don’t come cheap; the best luxury travel credit cards have annual fees in the $395 to $895 range.

I have several of these cards, but my daily driver is the Capital One Venture X. Its annual fee is a relatively affordable $395, and the Venture X’s benefits, especially its annual $300 Capital One Travel credit and 10,000-mile anniversary bonus (worth at least $100 in travel), effectively wipe out the yearly cost.

We’ve mentioned other top luxury travel cards already, but here are some of our favorites again:

• American Express Platinum Card®: The Amex Platinum is an iconic card, offering over $3,500 in annual value from benefits like lounge access, statement credits, elite status and partner offers. 
• Chase Sapphire Reserve: The Sapphire Reserve boasts over $1,200 in annual travel value and over $1,500 in annual lifestyle value from perks that include lounge access, elite status, statement credits and more.
• Citi Strata Elite: Cardholders can take advantage of benefits with nearly $1,500 in annual value, including a variety of travel-centric credits, four American Airlines Admirals Club lounge passes per year, and a Priority Pass Select lounge membership.
• Bank of America® Premium Rewards® Elite Credit Card: This $550-annual-fee card doesn’t get as much attention as its rivals, in part because you can’t transfer the rewards it earns to airline and hotel partners. It’s still a good value for certain travelers, offering up to four complimentary Priority Pass Select memberships and up to $450 per year in travel and lifestyle statement credits.

Wholesale Clubs

You might be disappointed to learn that most grocery credit cards exclude wholesale clubs from earning bonus rewards. But that doesn’t mean you don’t have options. 

Several major wholesale chains, including Costco, Sam’s Club and BJ’s, offer co-branded cards, but these can be restrictive. For example, the Costco Anywhere Visa® Card by Citi pays out rewards just once a year in the form of a certificate you need to redeem at a U.S. Costco store.

I typically use my Capital One Venture X at Costco to earn 2 miles per dollar (and take advantage of purchase protection, return protection and extended warranty on big-ticket items). You might consider the following cards, too:

• U.S. Bank Shopper Cash Rewards® Visa Signature® Card: While this card’s top feature is earning 6% cash back with two retailers you choose from a list of eligible partners, on up to $1,500 in combined eligible purchases each quarter, it also has a 3% “everyday” category you pick, from wholesale clubs, gas and EV charging, or bills and utilities. That category is also capped at $1,500 in purchases per quarter, which could be annoying if you spend a lot at wholesale clubs.
• Bank of America Customized Cash Rewards card: Similarly, this card earns automatic 2% cash back at wholesale clubs and grocery stores, but only on the first $2,500 in purchases per quarter (combined with your choice category); after that, you’ll earn just 1%. This isn’t a card to get exclusively for wholesale clubs; a 2% cash back credit card would do better.
• Wells Fargo Active Cash Card: Earning unlimited 2% cash rewards on purchases, including at wholesale clubs, the Active Cash Card is a straightforward option.
• Chase Freedom Flex and Discover it Cash Back: These rotating category credit cards have occasionally included wholesale clubs on their rewards calendars, but they aren’t a consistent option (and you can’t use them at U.S. Costcos, which only take Visa cards).

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Chase Sapphire Reserve®, Prime Visa, U.S. Bank Shopper Cash Rewards® Visa Signature® Card, U.S. Bank Cash+® Visa Signature® Card, Bank of America® Premium Rewards® Elite Credit Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Altitude® Go Visa Signature® Card, Citi Custom Cash® Card , Citi Strata Elite℠ Card, Wells Fargo Attune World Elite Mastercard®, AARP® Essential Rewards Mastercard® from Barclays, American Express® Green Card** and Costco Anywhere Visa® Card by Citi was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.