AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. Enrollment is required for select Amex benefits. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers. Offers for Bank of America cards mentioned in this post have been updated as of 05/29/2025
Offers for the Aer Lingus Visa Signature® Card, Air France KLM World Elite Mastercard®, Allegiant World Mastercard® Credit Card, Amazon Visa, Amex EveryDay® Preferred Credit Card, Amex EveryDay® Credit Card, American Express® Green Card, Barclaycard Arrival Plus® World Elite Mastercard®, Asiana Visa Signature® Credit Card, BankAmericard® credit card, Bank of America® Premium Rewards® Elite Credit Card, Marriott Bonvoy Bold® Credit Card, Savor Rewards from Capital One, Marriott Bonvoy Boundless® Credit Card, Chase Freedom®, The Ritz-Carlton™ Credit Card, Citi Rewards+® Card, Disney® Visa® Card, Disney® Premier Visa® Card, DoorDash Rewards Mastercard®, Chase Freedom Flex℠, Chase Freedom Rise®, Hawaiian Airlines® World Elite Business Mastercard®, Hawaiian Airlines® World Elite Mastercard®, Hilton Honors American Express Aspire Card, Iberia Visa Signature® Card, IHG® Rewards Select Credit Card, Instacart Mastercard®, JetBlue Business Card, JetBlue Card, JetBlue Plus Card, Marriott Bonvoy Bountiful™ Card, Capital One Spark Miles Select for Business, Marriott Bonvoy™ American Express® Card, Southwest Rapid Rewards® Premier Credit Card, United Club℠ Business Card and Virgin Atlantic® World Elite MasterCard® are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Knowing which credit card to swipe for a purchase is key to maximizing the points and miles earned for award travel. If you hold an array of rewards cards in your wallet, the decision is complicated. Each card has different earning rates and bonus categories. Moreover, the rewards these cards earn aren't the same and can have varying values between cash back, fixed-value rewards, transferable points, hotel points, and airline miles — it's a lot to remember.
We've covered the most valuable flexible points and whether fixed-value or transferrable points offer the best value in other posts. In this post, we'll provide a comprehensive guide to the earning rates for popular travel rewards cards. The list is separated by card issuer and displays the earning categories for each card, alongside the base rate for everyday spending.
Page Contents
- Earning Rates for Popular Rewards Credit Cards
- American Express credit card earning rates
- Bank of America credit card earning rates
- Barclays credit card earning rates
- Capital One credit card earning rates
- Chase credit card earning rates
- Citi credit card earning rates
- Discover credit card earning rates
- U.S. Bank credit card earning rates
- Wells Fargo credit card earning rates
- Final Thoughts
Earning Rates for Popular Rewards Credit Cards
American Express credit card earning rates
Amex offers a full suite of Membership Rewards-earning cards, alongside co-branded cards from award travel heavyweights Hilton Honors, Marriott Bonvoy, and Delta Air Lines. If you qualify for a business card, we rate The Blue Business® Plus Credit Card from American Express the best card for everyday expenses. Why? Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
| Credit Card | Bonus Earning Categories | Base Points/Miles on Other Eligible Purchases |
|---|---|---|
| The Platinum Card® from American Express | • 5X points for flights booked directly with airlines or with American Express Travel (capped at $500,000 per calendar year) • 5X points on prepaid hotels booked on amextravel.com | 1 point per $1 |
| The Business Platinum Card® from American Express | Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com. 1X points on other eligible purchases. Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. | 1 point per $1 |
| American Express® Gold Card | Earn 4X points at at restaurants worldwide (on up to $50,000 per year, then 1X), 4X at U.S. supermarkets (on up to $25,000 per year, then 1X), 3X points on flights booked directly with airlines or on AmexTravel.com, and 2X points on prepaid hotels and other eligible purchases booked on AmexTravel.com. | 1 point per $1 |
| American Express® Business Gold Card | 4X Membership Rewards® points on the 2 categories where your business spent the most each billing cycle including: • U.S. purchases for advertising in select media (online, TV, radio) • U.S. purchases made from electronic goods retailers and software & cloud system providers • U.S. purchases at gas stations • U.S. purchases at restaurants, including takeout and delivery • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. Note: 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar. Plus, earn 3X points on prepaid flights and hotels at AmexTravel.com | 1 point per $1 |
| American Express® Green Card | • 3X Membership Rewards points on travel and transit, including trains, buses, ferries, subways, and more • 3X points at restaurants worldwide, including takeout and delivery in the U.S. | 1 point per $1 |
| Business Green Rewards Card from American Express | 2X Membership Rewards points on flights and prepaid hotels booked via AmexTravel.com | 1 point per $1 |
| Amex EveryDay® Credit Card | • 20% more points when you make 20+ purchases in a billing period, less returns and credits • 2x points at US supermarkets on up to $6,000 per year in purchases | 1 point per $1 |
| Amex EveryDay® Preferred Credit Card | • 50% extra points when you make 30+ purchases in a billing period, less returns and credits • 3X points at US supermarkets on up to $6,000 per year in purchases • 2X points at US gas stations | 1 point per $1 |
| The Blue Business® Plus Credit Card from American Express | Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. | 1 point per $1 after the $50,000 annual cap |
| Delta SkyMiles® Blue American Express Card | • 2X miles spent on purchases made directly with Delta • 2X miles at restaurants worldwide, plus takeout and delivery in the U.S. | 1 mile per $1 |
| Delta SkyMiles® Gold American Express Card | • 2X miles per dollar spent on purchases made directly with Delta • 2X miles per dollar spent at U.S. supermarkets • 2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S. | 1 mile per $1 |
| Delta SkyMiles® Gold Business American Express Card | • 2X miles per dollar spent on eligible purchases made directly with Delta • 2X miles per dollar on eligible U.S. purchases for advertising in select media (annual cap of $50,000 in eligible purchases) • 2X miles per dollar on eligible U.S. shipping purchases (annual cap of $50,000 in eligible purchases) • 2X miles per dollar on eligible dining purchases | 1 mile per $1 |
| Delta SkyMiles® Platinum American Express Card | • 3X miles for purchases made directly with Delta and at hotels • 2X miles at restaurants worldwide and U.S. supermarkets | 1 mile per $1 |
| Delta SkyMiles® Platinum Business American Express Card | • 3X miles per dollar spent on eligible purchases made directly with Delta • 3X miles per dollar spent on eligible purchases with hotels • 1.5x miles on eligible purchases over $5,000 (up to 50,000 bonus miles annually) • 1.5X miles on eligible transit and U.S. shipping purchases* *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply. | 1 mile per $1 |
| Delta SkyMiles® Reserve American Express Card | 3X miles on purchases made directly with Delta | 1 mile per $1 |
| Delta SkyMiles® Reserve Business American Express Card | • 3X miles spent on purchases made directly with Delta • 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after spending $150K per calendar year | 1 mile per $1 |
| Hilton Honors American Express Card | • 7X on eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands • 5X on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. • gas stations | 3 points per $1 |
| Hilton Honors American Express Surpass® Card | • 12X on eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio • 6X on eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations • 4X on U.S online retail purchases | 3 points per $1 |
| Hilton Honors American Express Aspire Card | • 14X on eligible purchases at a hotel or resort within the Hilton portfolio • 7X on flights booked directly with airlines or amextravel.com, car rentals booked directly through select rental companies, and at U.S. restaurants | 3 points per $1 |
| The Hilton Honors American Express Business Card | • 12X on purchases made directly with hotels and resorts in the Hilton portfolio • 5X on the first $100,000 spent per calendar year on other eligible purchases; 3X thereafter | 3 points per $1 after the $100,000 spending cap |
| Marriott Bonvoy™ American Express® Card | 6X points at Marriott, and Ritz-Carlton properties | 2 points per $1 |
| Marriott Bonvoy Bevy® American Express® Card | • 6X points on purchases at hotels participating in Marriott Bonvoy • 4X points on up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets | 2 points per $1 |
| Marriott Bonvoy Brilliant® American Express® Card | • 6X points on purchases at Marriott Properties • 3X points at restaurants worldwide, including takeout and delivery • 3X points on flights booked directly with airlines | 2 points per $1 |
| Marriott Bonvoy Business® American Express® Card | • 6X Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program • 4X Marriott Bonvoy points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping | 2 points per $1 |
Related American Express content:
- All of the Cards That Earn American Express Membership Rewards Points
- American Express Card Offer History: Best-Ever Offers and When You Should Apply
- Everything To Know About the Amex Welcome Offer Eligibility Tool
- Which Hilton Honors Credit Card Is Right for You?
- Which Delta Credit Card Is Right for You?
- Making Sense of the Marriott Bonvoy Co-Branded Cards
Bank of America credit card earning rates
Chase, Amex, and Citi may receive most of the hype, but for those in the know, Bank of America's co-branded credit cards from Alaska Airlines provide access to some of the best value award travel on the planet. Moreover, Bank of America has cards that let you choose your bonus categories and even offers up to 75% bonus earnings on every purchase if you qualify for Preferred Rewards.
If you're over 5/24 and looking for your next card(s), you can't go wrong with some of these.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Bank of America® Travel Rewards credit card | • N/A | • 1.5 points per $1 |
| Bank of America® Unlimited Cash Rewards credit card | • N/A | • 1.5% cash back |
| Bank of America® Premium Rewards® credit card | • 2X points on travel and dining purchases | • 1.5 points per $1 |
| Bank of America® Premium Rewards® Elite Credit Card | • 2X points on travel and dining purchases | • 1.5 points per $1 |
| Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card | • 3% cash back in the category of your choice • 2% cash back on dining purchases Bonus cash back is limited to the first $50,000 in combined spending across these categories annually, then 1%. | • 1% cash back |
| Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | • N/A | • 1.5% cash back |
| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | • N/A | • 1.5 points per $1 |
| Alaska Airlines Visa Signature® credit card | • 3X miles on eligible purchases with Alaska Airlines • 2X miles on eligible gas, cable, streaming services and local transit including ride share purchases | • 1 mile per $1 |
| Alaska Airlines Visa® Business card | • 3X miles on eligible Alaska Airlines purchases • 2X miles on eligible gas, EV charging station, shipping, and local transit (including rideshare) | • 1 mile per $1 |
| Air France KLM World Elite Mastercard® | • 3X miles with Air France, KLM, and SkyTeam member airlines | • 1.5 miles per $1 |
| Virgin Atlantic® World Elite MasterCard® | • 3X miles spent directly on Virgin Atlantic purchases | • 1.5 miles per $1 |
| Allegiant World Mastercard® Credit Card | • 3X points on Allegiant purchases (including air, hotel, car rental, and attractions) • 2X points on qualifying dining purchases | • 1 point per $1 |
| BankAmericard® credit card | • N/A | • N/A |
| Bank of America® Platinum Plus® Mastercard® Business card | • N/A | • N/A |
Related Bank of America content:
- What Is the Bank of America 2/3/4 Rule?
- Bank of America Credit Card Application Rules
- How To Redeem Cash Back From Bank of America Credit Cards
- How To Select Your Bank of America Customized Cash Bonus Category
- Earn Up to 3.5% Cash Back on All Purchases With No Annual Fee
Barclays credit card earning rates
Barclays is the dark horse of the award travel scene, home to undervalued rewards cards like the JetBlue Plus Card and Wyndham Rewards Earner® Plus Card.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Barclaycard Arrival™ World MasterCard® | • 2X miles on dining and travel | • 1 mile per $1 |
| Barclaycard Arrival Plus® World Elite Mastercard® | • N/A | • 2X miles |
| AAdvantage® Aviator® Red World Elite Mastercard® | • 2X miles on American Airlines purchases | • 1 mile per $1 |
| AAdvantage® Aviator® Silver Mastercard® | • 3X miles on eligible American Airlines purchases • 2X miles on hotels and car rentals | • 1 mile per $1 |
| Aviator Business | • 2X miles on eligible American Airlines purchases • 2X miles on eligible office supply, telecom, and car rental merchants | • 1 mile per $1 |
| Breeze Easy™ Visa® Credit Card | • Up to 10X points on Nicer Bundles, Nicest Bundles, and trip add-ons (5X when you buy, 5X when you fly) • Up to 4X points on Nice Bundles (2X when you buy, 2X when you fly) • Up to 2X points on No Flex Fares (1X when you buy, 1X when you fly) • 2X points on eligible grocery stores and restaurants, including inflight food and beverage purchases | • 1 point per $1 |
| Emirates Skywards Rewards World Elite Mastercard® | • 3X miles on emirates.com or the Emirates Sales office • 2X miles on eligible travel purchases | • 1 mile per $1 |
| Emirates Skywards Premium World Elite Mastercard® | • 3X miles on eligible Emirates purchases • 2X miles on eligible travel purchases | • 1 mile per $1 |
| Hawaiian Airlines® World Elite Business Mastercard® | • 3X miles on Hawaiian Airlines purchases • 2X miles on gas, dining, and office supply store purchases | • 1 mile per $1 |
| Hawaiian Airlines® World Elite Mastercard® | • 3X miles on Hawaiian Airlines purchases • 2X miles on gas, dining, and eligible grocery store purchases | • 1 mile per $1 |
| JetBlue Card | • 3X points on JetBlue purchases • 2X points at restaurants and grocery stores | • 1 point per $1 |
| JetBlue Plus Card | • 6X points on JetBlue purchases • 2X points at restaurants and grocery stores | • 1 point per $1 |
| JetBlue Business Card | • 6X points on JetBlue purchases • 2X points at restaurants and office supply stores | • 1 point per $1 |
| • 2X miles on tickets purchases directly from Miles & More integrated airline partners | • 1 mile per $1 | |
| Wyndham Rewards Earner® Card | • 5X points on Hotels by Wyndham and gas purchases • 2X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | • 1 point per $1 (excluding Wyndham timeshare down payments) |
| Wyndham Rewards Earner® Plus Card | • 6X points on Hotels by Wyndham and gas purchases • 4X points on eligible dining and grocery purchases (excluding Target® and Walmart®) | • 1 point per $1 (excluding Wyndham timeshare down payments) |
| Wyndham Rewards® Earner℠ Business Card | • 8X points on Hotels by Wyndham and gas purchases • 5X points on eligible marketing, advertising, and utility purchases | • 1 point per $1 (excluding Wyndham timeshare down payments) |
| FRONTIER Airlines World Mastercard® | • 5X miles on eligible purchases at flyfrontier.com • 3X miles on eligible restaurant purchases | • 1 mile per $1 |
Related Barclays content:
- Check Your Barclays Aviator Card for a Bonus Miles Offer
- Transfer Partners on the Barclaycard Arrival Plus® World Elite Mastercard®
Capital One credit card earning rates
Our favorite Capital One card is the Capital One Venture Rewards Credit Card. With just a $95 annual fee, it earns 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Capital One VentureOne Rewards Credit Card | • 5X miles on hotels and rental cars booked through Capital One Travel | • 1.25X miles per $1 |
| Capital One Venture Rewards Credit Card | • 5X miles on hotels and rental cars booked through Capital One Travel | • 2X miles per $1 |
| Capital One Venture X Rewards Credit Card | • 10X miles on hotels and rental cars booked through Capital One Travel • 5X miles on flights booked through Capital One Travel | • 2X miles per $1 |
| Capital One Quicksilver Cash Rewards Credit Card | • 5% cash back on hotels and rental cars booked through Capital One Travel | • 1.5% cash back |
| Capital One QuicksilverOne Cash Rewards Credit Card | • 5% cash back on hotels and rental cars booked through Capital One Travel | • 1.5% cash back |
| Capital One Spark Cash Plus | • 5% cash back on hotels and rental cars booked through Capital One Travel | • 2% cash back |
| Capital One Spark Cash Select | • 5% cash back on hotels and rental cars booked through Capital One Travel | • 1.5% cash back |
| Capital One Spark Miles for Business | • 5X miles on hotels and rental cars booked through Capital One Travel | • 2X miles per $1 |
| Capital One Spark Miles Select for Business | • 5X miles on hotels and rental cars booked through Capital One Travel | • 1.5X miles per $1 |
| Capital One Venture X Business | • 10X miles on hotels and rental cars booked through Capital One Travel • 5X miles on flights booked through Capital One Travel | • 2X miles per $1 |
| Capital One Platinum Credit Card | • N/A | • N/A |
| Savor Rewards from Capital One | • 8% cash back on Capital One Entertainment bookings • 5% cash back on hotels and rental cars booked through Capital One Travel • 4% cash back on dining, entertainment, and popular streaming services • 3% cash back at grocery stores | • 1% cash back |
| Capital One Savor Cash Rewards Credit Card | • 8% cash back on Capital One Entertainment bookings • 5% cash back on hotels and rental cars booked through Capital One Travel • 3% cash back on dining, entertainment, grocery stores, and popular streaming services | • 1% cash back |
Related Capital One content:
- All of the Cards That Earn Capital One Miles
- Capital One Credit Card Offer History: Best-Ever Offers and When You Should Apply
- Complete Guide to Capital One Rewards Miles: Earning and Redeeming Like a Pro
- Capital One's Best Transfer Partners: Our Top 4 Favorites
- How To See Your Capital One Credit Card Number Online
- Capital One To Merge With Discover: Here’s What We Know
- Capital One Adds 48-Month Credit Card Bonus Rule
Chase credit card earning rates
In addition to the array of credit cards earning Ultimate Rewards, Chase offers multiple cash-back cards plus co-branded hotel and airline credit cards. If you combine the revolving category bonuses on the Chase Freedom Flex℠, the minimum 1.5x points on everyday spending on the Chase Freedom Unlimited® (Rates & Fees), and the minimum 1.5¢ per point redemption rate of the Chase Sapphire Reserve® (Rates & Fees), you have a powerful award travel card combo.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Chase Sapphire Reserve® | • 10X points on hotels and car rentals purchased through Chase Travel℠ • 10X points on Chase Dining (including prepaid reservations and prepaid takeout purchased through Chase) • 5X points on airfare purchased through Chase Travel℠ • 3X points on all other travel • 3X points on dining at restaurants | • 1 point per $1 |
| Chase Sapphire Preferred® Card | • 5X points on Lyft rides through September 2027 • 5X points on travel purchased through Chase Travel℠ • 3X points on dining at restaurants worldwide • 3X points on eligible streaming services • 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs) • 2X points on all other travel | • 1x on all other purchases |
| Chase Freedom Unlimited® | • 5% on travel purchased through Chase • 3% on dining at restaurants • 3% on drugstore purchases | • 1.5% cash back |
| Chase Freedom Flex℠ | • 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate • 5% on travel purchased through Chase Ultimate Rewards • 3% on dining at restaurants, including takeout and eligible delivery services • 3% on drugstore purchases | • 1% cash back |
| Chase Freedom® | • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter | • 1% cash back |
| The Ritz-Carlton™ Credit Card | • 6X points at participating Marriott Bonvoy properties • 3X points on dining, car rentals and airline purchases | • 2x points per $1 |
| Ink Business Preferred® Credit Card | • 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year | • 1 point on all other purchases |
| Ink Business Unlimited® Credit Card | • N/A | • 1.5% |
| Ink Business Cash® Credit Card | • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year | • 1% cash back |
| Marriott Bonvoy Bold® Credit Card | • 3X points at Marriott Bonvoy hotels • 2X points on other travel purchases | • 1X point on all other purchases |
| Marriott Bonvoy Boundless® Credit Card | • 6X points at Marriott Bonvoy hotels • 3X points on the first $6,000 of annual spending (combined) at gas stations, grocery stores, and dining | • 2X Bonvoy points for every $1 spent on all other purchases |
| The Hyatt Credit Card | • 3X at Hyatt hotels and resorts • 2X at restaurants, on airline tickets purchased directly from the airline and at car rental agencies | • 1 point per $1 |
| The World of Hyatt Credit Card | • 4X at Hyatt hotels and resorts • 2X at restaurants, cafes and coffee shops; on airline tickets purchased directly from the airline; fitness club and gym memberships; and on local transit and commuting, including taxis, mass transit, tolls and ride-share services | • 1 point per $1 |
| IHG® Rewards Select Credit Card | • 5X points at IHG® hotels • 2X points at gas stations, grocery stores, and restaurants | • 1 point per $1 |
| IHG One Rewards Premier Credit Card | 26X points total per $1 spent when you stay at an IHG hotel, 5x points on travel, gas stations, and restaurants, and 3x points per $1 on all other purchases* *Note: The earning for spending at IHG hotels breaks down as follows: • Earn 10X points for being a IHG One Rewards Premier Credit Cardmember • Earn 6X points from IHG® with Platinum Elite Status, a benefit of having this card • Earn 10X points from IHG® for being an IHG® Rewards Club Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program) | • 3 points per $1 |
| The New United℠ Explorer Card | • 2X miles on tickets purchased from United • 2X miles at restaurants and on hotel accommodations when purchased directly with the hotel | • 1 mile per $1 |
| The New United Club℠ Card | • 4X miles on purchases from United • 2X miles on all other travel purchases • 2X miles on dining | • 1 mile per $1 |
| IHG One Rewards Traveler Credit Card | • 5X points at IHG hotels • 3X points on dining, utilities, select streaming services, and gas stations | • 2 points per $1 |
| British Airways Visa Signature® Card | • 3X Avios on purchases with British Airways, Aer Lingus, Iberia, and LEVEL • 2X Avios on hotel accommodations | • 1 Avios per $1 |
| IHG One Rewards Premier Business Credit Card | • 10X points at IHG hotels • 5X points on travel, dining, social media search engine advertising, and at office supply stores and gas stations | • 3 points per $1 |
| Aer Lingus Visa Signature® Card | • 3X Avios on purchases with Aer Lingus, British Airways, Iberia, and LEVEL • 2X Avios on hotel accommodations | • 1 Avios per $1 |
| Iberia Visa Signature® Card | • 3X Avios on purchases with Iberia, Aer Lingus, British Airways, and LEVEL • 2X Avios on hotel accommodations | • 1 Avios per $1 |
| The New United℠ Business Card | • 2X miles on United purchases • 2X miles on local transit and commuting • 2X miles at gas stations, restaurants, and office supply stores | • 1 mile per $1 |
| The New United Quest℠ Card | • 3X miles on United purchases • 2X miles on travel, restaurants, and select streaming services | • 1 mile per $1 |
| United Club℠ Business Card | • 2X miles on United purchases | • 1.5 miles per $1 |
| Southwest Rapid Rewards® Plus Credit Card | • 2X points on Southwest purchases • 2X points on Rapid Rewards hotel and car rental partner purchases • 2X points on local transit and commuting • 2X points on internet, cable, phone services, and select streaming services | • 1 point per $1 |
| Southwest Rapid Rewards® Premier Credit Card | • 3X points on Southwest purchases • 2X points on Rapid Rewards hotel and car rental partner purchases • 2X points on local transit and commuting • 2X points on internet, cable, phone services, and select streaming services | • 1 point per $1 |
| Southwest Rapid Rewards® Priority Credit Card | • 3X points on Southwest purchases • 2X points on Rapid Rewards hotel and car rental partner purchases • 2X points on local transit and commuting • 2X points on internet, cable, phone services, and select streaming services | • 1 point per $1 |
| Southwest® Rapid Rewards® Performance Business Credit Card | • 4X points on Southwest purchases • 3X points on Rapid Rewards hotel and car rental partner purchases • 2X points on social media and search engine advertising, internet, cable, and phone services • 2X points on rideshare | • 1 point per $1 |
| Southwest® Rapid Rewards® Premier Business Credit Card | • 3X points on Southwest purchases • 2X points on Rapid Rewards hotel and car rental partner purchases • 2X points on local transit and commuting | • 1 point per $1 |
| Chase Freedom Rise® | • N/A | • 1.5% cash back on all purchases |
| Prime Visa | • 5% cash back at Amazon.com, Amazon Fresh, and Whole Food Market with an eligible Prime membership • 5% cash back on Chase Travel with an eligible Prime membership • 2% cash back on local transit and commuting • 2% cash back at restaurants and gas stations | • 1% cash back |
| Amazon Visa | • 5% cash back on Chase Travel • 3% cash back at Amazon and Whole Food Market • 2% cash back on local transit and commuting • 2% cash back at restaurants and gas stations | • 1% cash back |
| The New United Gateway℠ Card | • 2X miles on United purchases • 2X miles at gas stations, local transit, and commuting | • 1 mile per $1 |
| Aeroplan® Credit Card | • 3X points with Air Canada • 3X points on dining, including takeout and eligible delivery services • 3X points at grocery stores | • 1 point per $1 |
| Marriott Bonvoy Bountiful™ Card | • 6X points at hotels participating in Marriott Bonvoy • 4X points on up to $15,000 in combined purchases annually at restaurants worldwide and U.S. supermarkets | • 2 points per $1 |
| Disney® Visa® Card | • 10% off select purchases at DisneyStore.com when using your card • 10% off select merchandise at select locations at Disneyland Resort and World Disney World Resort when using your card | • 1% back as Disney Rewards Dollars |
| Disney® Premier Visa® Card | • 10% off select purchases at DisneyStore.com when using your card • 10% off select merchandise at select locations at Disneyland Resort and World Disney World Resort when using your card • 5% back as Disney Rewards Dollars at DisneyPlus.com, Hulu.com, or ESPNPlus.com • 2% back as Disney Rewards Dollars at gas stations, grocery stores, restaurants, and most U.S. Disney locations | • 1% back as Disney Rewards Dollars |
| DoorDash Rewards Mastercard® | • 4% cash back on DoorDash and Caviar orders • 3% cash back on dining when purchased directly from a restaurant • 2% cash back at grocery stores, online or in person | • 1% cash back |
| Instacart Mastercard® | • 5% cash back on the Instacart app and Instart.com purchases • 5% cash back on Chase Travel • 2% cash back at restaurants, gas stations, and select streaming services | • 1% cash back |
| World of Hyatt Business Credit Card | • 4X points at Hyatt hotels • 2X points on fitness club and gym memberships • 2X points on your top 3 spending categories each quarter | • 1 point per $1 |
| Ink Business Premier® Credit Card | • 5% cash back on Chase Travel • 2.5% cash back on purchases of $5,000 or more | • 2% cash back |
Related Chase content:
- How Does the Chase 5/24 Policy Work?
- Why Starting With Chase Cards Matters if You’re Under 5/24
- All of the Credit Cards that Earn Chase Ultimate Rewards Points
- Which IHG One Rewards Credit Card Is Right for You?
- Which United Credit Card Is Right for You?
- How To Choose the Right Southwest Airlines Credit Card
- Making Sense of the Marriott Bonvoy Co-Branded Cards
Citi credit card earning rates
While Citi doesn't offer the variety of rewards cards available from rivals Chase and Amex, cards like the Citi Strata Premier℠ Card and Citi Double Cash® Card compete comfortably at the top of their respective categories and help you earn ThankYou® Points quickly.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Citi Strata Premier℠ Card | • 10X points on hotels, car rentals, and attractions booked through CitiTravel.com • 3X points on air travel and other hotels • 3X points on restaurants, supermarkets, and gas and EV charging stations | • 1 point per $1 |
| Citi Double Cash® Card | • N/A | • 2% cash back (1% when you buy plus 1% as you pay) |
| Citi Prestige® Card (no longer open to new applicants) | • 5X points on airfare & restaurants • 3X points on hotels & cruise lines | • 1 point per $1 |
| Citi ThankYou® Preferred Card (no longer open to new applicants) | • 2X points on dining and entertainment | • 1 point per $1 |
| Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | • 2X miles on American Airlines purchases • 2X miles at restaurants and gas stations | • 1 mile per $1 |
| Citi Custom Cash® Card | • 5% cash back in your top eligible spend category each billing cycle, up to the first $500 spent (1% cash back thereafter), and 1% cash back on all other purchases, plus an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 | • 1% cash back |
| Citi Rewards+® Card | • 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X point per $1 thereafter • Points earnings automatically rounded up to the nearest 10 on every transaction | • 1 point per $1 |
| Citi Simplicity® Card | • N/A | • N/A |
| Citi® Diamond Preferred® Card | • N/A | • N/A |
| Citi® / AAdvantage® Executive World Elite Mastercard® | • 10X miles on eligible hotels booked at aa.com/hotels and eligible car rentals booked at aa.com/cars • 4X miles on eligible American Airlines bookings (increased to 5X miles through the end of the calendar year after $150,000 in annual purchases on the card) | • 1 mile per $1 |
| Costco Anywhere Visa® Card by Citi | • 4% cash back on the first $7,000 of annual gas and EV charging purchases (then 1% back) • 3% cash back on restaurants and eligible travel purchases • 2% cash back at Costco and Costco.com | • 1% cash back |
| Costco Anywhere Visa® Business Card by Citi | • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. • 3% cash back on restaurants and eligible travel purchases. • 2% cash back on all other purchases from Costco and Costco.com. | • 1% cash back |
| American Airlines AAdvantage® MileUp® Card | • 2X miles on eligible American Airlines purchases • 2X miles at grocery stores, including grocery delivery services | • 1 mile per $1 |
| Citi® / AAdvantage Business™ World Elite Mastercard® | • 2X miles on eligible American Airlines purchases • 2X miles on cable and satellite providers • 2X miles at gas stations • 2X miles on select telecommunications merchants • 2X miles on car rentals | • 1 mile per $1 |
| AT&T Points Plus Card | • 3X points at gas stations • 2X points at grocery stores, including grocery delivery services | • 1 point per $1 |
Related Citi content:
- Citi ThankYou Points: Best Ways To Earn and Use Them
- Build a Citi Quadfecta To Earn Between 2.22 and 5.55 Points per Dollar on Purchases
- Citi Credit Card Offer History: Best-Ever Offers and When You Should Apply
- Cards That Earn Citi ThankYou Points
- Citi Product Change Rules: How and Why To Switch Credit Cards
- Citi Increasing Signup Bonus Restriction to 48 Months
Discover credit card earning rates
Offering simple cash-back style cards, the value of Discover's cards comes from earning double rewards in your first year. Discover will match all the cash back or miles you earn in the first year, automatically. You can net between a 2% and 3% return on spending all day every day for the first year of card membership.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Discover it® Cash Back | • Matches all the cash back you've earned at the end of your first year • 5% cash back at different places each quarter like gas stations, wholesale clubs, grocery stores, restaurants or Amazon.com, up to the quarterly maximum each time you activate | • 1% cash back |
| Discover it® Miles | • Match all the miles you've earned at the end of your first year | • 1.5 miles per $1 |
| Discover it® Chrome Gas & Restaurants Credit Card | • 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter (then 1%) • Match all the cash back you've earned at the end of your first year | • 1% cash back |
Related Discover content:
- Discover's 5% Cash Back Bonus Categories
- Does Your Discover Cash Back Bonus Expire?
- Discover To Classify Online Gambling as a Cash Advance
U.S. Bank credit card earning rates
Much like Bank of America's card offerings, U.S. Bank provides rewards cards that don't often appear in the “best of travel” lists, but that doesn't mean the cards don't provide top value — as well as another option for those over 5/24 and looking for a new card to add to the portfolio.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| U.S. Bank Altitude™ Reserve Visa Infinite® Card | • 5X points on hotels and car rentals booked in the Altitude Rewards Center • 3X points on eligible net travel purchases and mobile wallet spending | • 1 point per $1 |
| U.S. Bank Altitude® Connect Visa Signature® Card | • 5X points on prepaid hotels and rental cars booked in the Altitude Rewards Center • 4X points on travel • 4X points at gas stations and EV charging stations up to $1,000 spent per quarter (then 1X) • 2X points on dining, streaming services, and grocery stores | • 1 point per $1 |
| U.S. Bank Altitude® Go Visa Signature® Card | • 4X points on takeout, food delivery and dining (on up to $2,000 spent each quarter) • 2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and on streaming services | • 1 point per $1 |
| U.S. Bank Cash+® Visa Signature® Card | • 5% cash back on your first $2,000 in eligible net purchases each quarter on the two categories you choose • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center • 2% cash back on one everyday category (like gas or groceries) | • 1% cash back |
| U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | • 6% cash back on your first $1,500 in combined spending each quarter with the 2 retailers you choose • 3% cash back on $1,500 in eligible purchases with a chosen everyday category each quarter | • 1.5% cash back |
| U.S. Bank Visa® Platinum Card | • N/A | • N/A |
| U.S. Bank Business Altitude™ Power World Elite Mastercard® | • 6X points on prepaid hotels and car rentals booked through the Rewards Center • 2.5X points on the first $5,000 of mobile wallet purchases each quarter | • 2X points per $1 |
| U.S. Bank Business Altitude Connect Card | • 5X points on prepaid hotels and car rentals booked through the Rewards Center • 4X points on travel, gas and EV charging stations — up to $150,000 in annual purchases in these categories • 2X points on dining, takeout, restaurant delivery, and cell phone services | • 1 point per $1 |
| U.S. Bank Business Leverage® Visa Signature® Card | • 2% cash back in your top 2 spending categories | • 1% cash back |
| SKYPASS SkyBlue Visa® Card | • 2X miles on streaming services • 2X miles on rideshare services | • 1 mile per $1 |
| SKYPASS Visa Signature® Card | • 2X miles on Korean Air • 2X miles on hotels and dining, including takeout and delivery | • 1 mile per $1 |
| SKYPASS Select Visa Signature® Card | • 3X miles on Korean Air • 2X miles on other airlines • 2X miles on hotels and car rentals • 2X miles on dining, including takeout and delivery | • 1 mile per $1 |
| SKYPASS Visa Signature® Business Card | • 2X miles on Korean Air • 2X miles at gas and EV charging stations • 2X miles on cell phone and office supplies • 2X miles on dining, including takeout and delivery • Save 5% on Korean Air each year | • 1 mile per $1 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | • 3% cash back at gas and EV charging stations • 3% cash back at office supply stores, cell phone service providers, and restaurants | • 1% cash back |
Related U.S. Bank content:
- U.S. Bank Cash+® Visa Signature® Card 5% Category Choices
- Changes Are Coming to the U.S. Bank Altitude® Connect Visa Signature® Card
- An Improved Priority Pass Policy on the U.S. Bank Altitude™ Reserve Visa Infinite® Card
Wells Fargo credit card earning rates
As with other issuers, Wells Fargo doesn't limit how many of its cards you can hold at once, but it will limit how much credit you can have across the cards it issues to you. However, you will find explicit rules in two other situations. First, you can't open a Wells Fargo card if you opened another one in the past six months. Additionally, you'll run into one of two welcome bonus rules, depending on the card you're considering: You can't earn a welcome bonus on this particular card if you got a bonus on it in the past 48 months or you can't earn a welcome bonus on this card if you received a bonus on any Wells Fargo card in the past 15 months. That latter restriction is pretty rough.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Wells Fargo Active Cash® Card | • N/A | • Earn unlimited 2% cash rewards on purchases |
| Wells Fargo Autograph Journey℠ Card | • 5X points on hotels • 4X points on airlines • 3X points on other travel and restaurants | • 1 point per $1 |
| Wells Fargo Autograph® Card | • 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans | • 1 point per $1 |
| Wells Fargo Reflect® Card | • N/A | • N/A |
| Wells Fargo AttuneSM Card | • Unlimited 4% cash rewards self-care, select sports, recreation, and entertainment, and impactful purchases | • 1% cash rewards |
| The Bilt Mastercard® | • 3X points on dining • 2X points on travel • 1X points on rent payments without the transaction fee Must use the card for at least 5 transactions each statement period to earn points | • 1 point per $1 |
| Choice Privileges® Mastercard® | • 5X points on stays at participating Choice Hotels properties • 5X points on Choice Privileges points purchases • 3X points at gas stations, grocery stores, home improvement stores, and phone plan services | • 1 point per $1 |
| Choice Privileges® Select Mastercard® | • 10X points on stays at participating Choice Hotels properties • 10X points on Choice Privileges points purchases • 5X points at gas stations, grocery stores, home improvement stores, and phone plan services | • 1 point per $1 |
| Signify Business CashSM Card by Wells Fargo | • N/A | • Unlimited 2% cash back |
Related Wells Fargo content:
Final Thoughts
A critical point to cover before wrapping up: Just because a card earns more base points on everyday spending doesn't mean it's the best card to use. Earning rates don't take into account the redeemable value of the points or miles the card earns, which can change the math on which card to swipe at the checkout. Cards that earn 1 transferable point per dollar are often a better choice for avid travelers than those earning 2% cash back on all purchases, due to the flexibility of the points and the higher redeemable value you can achieve through transferring to travel partners.
To learn more, check out the average value AwardWallet users get from their points.
We recommend building a balance of flexible rewards points that transfer to multiple travel partners and focusing on cards subject to Chase's tighter application restrictions before branching out to other providers.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Unlimited® (Rates & Fees), and Chase Sapphire Reserve® (Rates & Fees)
AwardWallet Tip of The Day
Did you know that you are able to expand the AwardWallet window or zoom out to see the Last Updated column? Easily see the last time AwardWallet checked your balance. Show me how
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
