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Best Credit Cards by Merchant Categories

Flat-rate

No Annual Fee

  • 5pt – Key lueank Key2More Rewards
  • 4pt – PNC points
  • 3mi / 1.5mi – Discover it miles
  • 3% / 1% – BB&T Spectrum Rewards
  • 2.3pt / 1.3pt – AMEX Blue for Business
  • 2% – Citi Double Cash
  • 2% – Synchrony Bank / PayPal Cashback
  • 2pt – AMEX Blue Business Plus
  • 2pt – U.S. Bank’s Elan / Fidelity Rewards
  • 2% / 1% – Discover it
  • 2% / 1% – Discover it Chrome
  • 2% / 1% – Discover it Secured
  • 2% / 1% – Zions Bank AmaZing Cash
  • 1.8pt / 1.5pt – Wells Fargo Cash Wise
  • 1.5% – Barclaycard CashForward
  • 1.5% – Capital One Quicksilver Rewards
  • 1.5pt – Chase Freedom Unlimited

Annual Fee

  • 3% / 1% – Alliant Cashback
  • 2mi – Barclaycard Arrival Plus World Elite
  • 2mi – Capital One Spark Miles for Business
  • 2mi – Capital One Venture Rewards
  • 2mi – PNC Premier Traveler
  • 2% – Capital One Spark Cash for Business
  • 1.5% – Capital One QuicksilverOne Rewards

Your Choice(s)

No Annual Fee

  • 5% – U.S. Bank Cash+
    • [5192] Books, Periodicals, and Newspapers
    • Car Rentals
    • [4812] Telecommunication Equipment and Telephone Sales
    • [8398] Charitable and Social Service Organizations > Fundraising
    • Ground Transportation
    • [5311] Department Stores
    • [5732] Electronics Stores
    • [5814] Fast Food Restaurants
    • Furniture Stores
    • [7997] Country Clubs
    • [7832] Motion Picture Theaters
    • [5941] Sporting Goods Stores
  • 5pt – First National Bank Business Edition with Absolute Rewards
    • [4812] Telecommunication Equipment and Telephone Sales
    • [4814] Telecommunication Services
    • [4816] Computer Network Services
    • [4899] Cable, Satellite, and Other Pay Television and Radio
    • [4900] Utilities
    • [5021] Office and Commercial Furniture
    • [5044] Photographic, Photocopy, Microfilm Equipment, and Supplies
    • [5045] Computers, Peripherals, and Software
    • [5046] Commercial Equipment (Not Elsewhere Classified)
    • [5111] Stationary, Office Supplies, Printing and Writing Paper
    • [5943] Stationery Stores, Office, and School Supply Stores
    • [7311] Advertising Services
    • [7379] Computer Repair
    • [7392] Consulting, Public Relations
  • 5pt – VantageWest Credit Union Connect Rewards
    • Travel
    • Restaurants
    • Utilities (water, cell, electric, etc.)
    • Wholesale (Costco, Sam’s Club, etc.)
    • Department Stores
    • Hardware & Home Improvement Stores
    • Charitable Organizations
    • Pharmacies & Drug Stores
    • Amazon.com
  • 3% – AMEX SimplyCash Plus Business
    • Airfare purchased directly from airlines
    • Hotel rooms purchased directly from hotels
    • Car rentals purchased from select car rental companies
    • U.S. gas stations
    • U.S. restaurants
    • U.S. purchases for advertising in select media
    • U.S. purchases for shipping
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
  • 3pt – Huntington Voice Triple Rewards
    • Apparel / Soft Goods
    • Department Stores / Electronics
    • Discount Stores
    • Gas
    • Grocery
    • Home Improvement
    • Pharmacy
    • Restaurants
    • Sporting Goods
    • Travel & Entertainment
    • Utilities
  • 3pt – U.S. Bank Business Edge Select Rewards
    • Day-to-day expenses, such as shipping, advertising, utilities, office supplies, telecom and professional services
    • Automotive, such as gas, service, tires, tolls, dealerships, car washes and repairs
    • Travel and entertainment, such as airlines, auto rental, hotels, restaurants and travel agencies

Annual Fee

  • 3pt – BBVA Compass Select

Airfare

No Annual Fee

  • 5pt – PenFed Premium Travel Rewards
  • 4% – Citi / Costco Anywhere
  • 4% – Citi / Costco Anywhere Business
  • 4% – InFirst Federal Credit Union Rewards
  • 4% – InFirst Federal Credit Union Young Adult Rewards
  • 3% – U.S. Bank’s ACG / AAA Dollars Plus
  • 3% – FirstBank ICON FirstClass Rewards
  • 3% – Nusenda Credit Union Platinum Cash Rewards
    • Q4 2017
    • Q4 2016
  • 3pt – Bank of America’s AAA / AAA Member Rewards
  • 3pt – Barclays / Uber
  • 3pt – Nusenda Credit Union Platinum Rewards
    • Q4 2017
    • Q4 2016
  • 3pt – Wells Fargo Propel World

Annual Fee

  • 5% / 3% – SunTrust Travel Rewards
  • 5pt – First Hawaiian BankPriority Destinations
  • 3mi – TD First Class
  • 3pt – Chase Ink Business Preferred
  • 3pt – Citi Prestige
  • 3pt – Citi ThankYou Premier
  • 3pt – City National Bank Crystal

Cellular Service

No Annual Fee

  • 10% / 1% – AMEX Blue Cash Everyday
  • 5% – AMEX SimplyCash Plus Business
  • 5% – Chase Ink Business Cash
  • 3% – U.S. Bank Business Edge Cash Rewards World Elite
  • 3pt – AMEX / Lowe’s Business Rewards

Annual Fee

  • 10% / 1% – AMEX Blue Cash Preferred
  • 5pt – Chase Ink Business Plus
  • 3pt – Chase Ink Business Preferred

Charity

No Annual Fee

  • 5pt – DuPage Credit Union Platinum Rewards

Department Store

No Annual Fee

  • 10% / 5% – Discover it
    • Q4 2016
  • 5pt – Advia Credit Union with Advantage Points
    • Q4 2017
  • 5pt – Chase Freedom
    • Q4 2017
    • Q4 2016

Dining / Restaurant

No Annual Fee

  • 10.3pt / 1.3pt – AMEX Blue for Business
  • 10% / 5% – Discover it
    • Q3 2017
    • Q2 2016
  • 10% / 1% – AMEX Blue Cash Everyday
  • 5% – Nusenda Credit Union Platinum Cash Rewards
    • Q4 2017
    • Q2 2017
    • Q4 2016
    • Q2 2016
  • 5pt – Chase Freedom
    • Q3 2017
    • Q3 2016
  • 4pt – Barclays / Uber
  • 3% – Bank of the West Cash Back
  • 3% – Capital One Premier Dining Rewards Savor Dining Rewards
  • 3% – Citi / Costco Anywhere
  • 3% – Citi / Costco Anywhere Business
  • 3% – Golden 1 Credit Union Platinum Rewards
  • 3% – InFirst Federal Credit Union Rewards
  • 3% – InFirst Federal Credit Union Young Adult Rewards
  • 3% – Navy Federal Credit Union GO REWARDS
  • 3% – Synchrony Bank / Marvel
  • 3% – Synchrony Bank / Sam’s Club
  • 3pt – AMEX / Lowe’s Business Rewards
  • 3pt – Chase / AARP Everyday Rewards
  • 3pt – Nusenda Credit Union Platinum Rewards
    • Q4 2017
    • Q2 2017
    • Q4 2016
    • Q2 2016
  • 3pt – Synchrony Bank / eBay
  • 3pt – Synchrony Bank / PayPal Extras
  • 3pt – UMB Simply Rewards

Annual Fee

  • 10% / 1% – AMEX Blue Cash Preferred
  • 3pt – City National Bank Crystal
  • 3pt – Santander Bravo

Gas

No Annual Fee

  • 10% / 5% – Discover it
    • Q1 2017
    • Q1 2016
  • 5% – First National Bank of Omaha / NRA Complete Rewards
  • 5% – Fort Knox Federal Credit Union Platinum
  • 5% – Nusenda Credit Union Platinum Cash Rewards
    • Q3 2017
    • Q1 2017
    • Q3 2016
  • 5% – Synchrony Bank / Sam’s Club
  • 5% – USAA Cashback Rewards Plus
  • 5pt – Chase Freedom
    • Q1 2017
    • Q1 2016
  • 5pt – PenFed Platinum Cash Rewards Plus
  • 5pt – PenFed Platinum Rewards
  • 5% / 2% – SunTrust Cash Rewards
  • 5% ~ 2% – U.S. Bank’s ACG / AAA Dollars Gas Rebate
  • 5pt / 1pt – Wells Fargo Home Rebate
  • 5pt / 1pt – Wells Fargo Rewards
  • 4% – Citi / Costco Anywhere
  • 4% – Citi / Costco Anywhere Business
  • 4% – InFirst Federal Credit Union Rewards
  • 4% – InFirst Federal Credit Union Young Adult Rewards
  • 3% – U.S. Bank’s ACG / AAA Dollars Plus
  • 3% – Bank of America BankAmericard Cash Rewards
  • 3% – Bank of the West Cash Back
  • 3% – Golden 1 Credit Union Platinum Rewards
  • 3% – U.S. Bank Business Edge Cash Rewards World Elite
  • 3pt – Bank of America’s AAA / AAA Member Rewards
  • 3pt – Bellco Credit Union Platinum Rewards
  • 3pt – City National Bank Signature
  • 3pt – Comenity / Farmers Rewards
  • 3pt – Nusenda Credit Union Platinum Rewards
    • Q3 2017
    • Q1 2017
    • Q3 2016
  • 3pt – PenFed Platinum Cash Rewards
  • 3pt – Synchrony Bank / eBay
  • 3pt – Synchrony Bank / PayPal Extras
  • 3pt – UMB Simply Rewards
  • 3pt – Wells Fargo Propel
  • 3pt / 1pt – Wells Fargo Cash Back College

Annual Fee

  • 3% – AMEX Blue Cash Preferred
  • 3% – Wells Fargo Propel 365
  • 3pt – Citi ThankYou Premier
  • 3pt – City National Bank Crystal
  • 3pt – Santander Bravo
  • 3pt / 2pt – AMEX Everyday Preferred

Grocery / Supermarket

No Annual Fee

  • 5pt – Chase Freedom
    • Q2 2017
    • Q2 2016
  • 5% – Nusenda Credit Union Platinum Cash Rewards
    • Q1 2017
  • 5% / 2% – SunTrust Cash Rewards
  • 5pt / 1pt – Wells Fargo Home Rebate
  • 5pt / 1pt – Wells Fargo Rewards
  • 3% – AMEX Blue Cash Everyday
  • 3% – Bank of the West Cash Back
  • 3% – Consumers Credit Union Cash Rebate
  • 3% – Golden 1 Credit Union Platinum Rewards
  • 3pt – Bellco Credit Union Platinum Rewards
  • 3pt – Consumers Credit Union Rewards
  • 3pt – Nusenda Credit Union Platinum Rewards
    • Q1 2017
  • 3pt – UMB Simply Rewards
  • 3pt / 1pt – Wells Fargo Cash Back College
  • 2.4pt / 2 pt – AMEX Everyday

Annual Fee

  • 6% – AMEX Blue Cash Preferred
  • 4.5pt / 3pt – AMEX Everyday Preferred

Local Transportation

No Annual Fee

  • 10% / 5% – Discover it
    • Q1 2017
    • Q1 2016
  • 5pt – Chase Freedom
    • Q1 2017
    • Q1 2016
  • 3% – U.S. Bank’s ACG / AAA Dollars Plus
  • 3pt – Bank of America’s AAA / AAA Member Rewards

Annual Fee

  • 3pt – Chase Ink Business Preferred
  • 3pt – Citi ThankYou Premier
  • 3pt – City National Bank Crystal

Wholesale Club

No Annual Fee

  • 10% / 5% – Discover it
    • Q2 2017
    • Q1 2017
  • 5pt – Chase Freedom
    • Q4 2016
    • Q3 2016
    • Q2 2016
  • 3pt – Bellco Credit Union Platinum Rewards

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