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Knowing which credit card to swipe when making 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 by each card’s earn rate and bonus categories, and whether the rewards earned are fixed-value points, some form of cash back, airline-specific miles, or flexible points that transfer to travel partners.
We recently covered the best value flexible points to collect for award travel, and whether fixed-value or transferrable points offer the best value, and wanted to follow up this week with a comprehensive guide showing the rewards earn rates for popular rewards cards in an easy to digest format. The list is broken up by credit provider and displays the category bonuses for each card, alongside the base earn rate for everyday spend.
Jump to a particular card issuer:
Earn Rates for Popular Rewards Credit Cards
Chase Credit Card Earning Rates
In addition to the array of credit cards earning Ultimate Rewards, Chase offers a variety of cashback and co-brand hotel and airline credit cards. If you combine the revolving category bonuses on the Chase Freedom Flex℠, the minimum 1.5x points on non-bonus spend on the Chase Freedom Unlimited®, and the minimum 1.5¢ per point redemption rate of the Chase Sapphire Reserve®, you have a powerful award travel card-combo. We've also got a list of just Ultimate Rewards earning cards as well.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Chase Sapphire Reserve® | • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 | • 1 point per $1 |
| Chase Sapphire Preferred® Card | • Earn 5X points on travel purchased through Chase Ultimate Rewards (2X on other travel); 3X points on dining at restaurants including eligible delivery services, takeout and dining out; 3X points on streaming services; 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs); and 1X on all other purchases. | • 1 point per dollar spent |
| Ink Business Unlimited® Credit Card | • N/A | • 1.5% |
| 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 Cash® Credit Card | • 5% cash back at office supply stores and on cellular phone, landline, internet and cable TV services and 2% cash back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year | • 1% cash back per $1 |
| Chase Freedom Unlimited® | • Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 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 | • 1.5% cash back per $1 |
| Chase Freedom Flex℠ | • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | • 1% cash back per $1 |
| Chase Freedom® | • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter | • 1% cash back per $1 |
| 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 |
| Marriott Bonvoy Bold® Credit Card | • 3X Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels, plus 2X points for every $1 spent on other travel purchases | • 1X point on all other purchases |
| Marriott Bonvoy Boundless® Credit Card | • 6X Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels | • 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 |
| 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 |
| United Club℠ Infinite Card | • 4X miles on purchases from United • 2X miles on all other travel purchases • 2X miles on dining | • 1 mile per $1 |
| British Airways Visa Signature® Card | • 3X Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL, 2X Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases | • 1 Avios per $1 |
American Express Credit Card Earning Rates
Much like Chase, Amex offers a full suite of Membership Rewards earning cards, alongside co-brand cards from award travel heavyweight Starwood Preferred Guest and legacy carrier Delta. If you qualify for a business card, we rate The Blue Business® Plus Credit Card from American Express the best card for everyday expenses, earning Earn 2X Membership Rewards® 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..
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| 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 | • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year. | • 1 point per $1 |
| American Express® Gold Card | • Earn 4X points at restaurants, 4x at U.S. supermarkets (on up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or 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. Categories include: Airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases for shipping, U.S. purchases at restaurants, U.S. computer hardware, software, and cloud computing purchases made directly from select providers • 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year Then earn 1 point per dollar. | • 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 Membership Rewards® 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. | • 1 point per $1 thereafter |
| Marriott Bonvoy™ American Express® Card | • 6X points at Starwood, Marriott, and Ritz-Carlton properties | • 2 point per $1 |
| Delta SkyMiles® Platinum American Express Card | • 3X miles for purchases made directly with Delta and at hotels • 2X miles at restaurants and U.S. supermarkets | • 1 mile per $1 |
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 Prestige® Card and Citi® Double Cash Card compete comfortably at the top of their respective categories.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Citi Prestige® Card | • 5X points on airfare & restaurants • 3X points on hotels & cruise lines | • 1 point per $1 |
| Citi Premier® Card | • 3X points on travel including gas stations • 2X points on dining and entertainment | • 1 point per $1 |
| Citi ThankYou® Preferred Card | • 2X points on dining and entertainment | • 1 point per $1 |
| Citi® Double Cash Card | • N/A | • 2% cash back 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 |
Barclaycard Credit Card Earning Rates
Barclaycard 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 Plus® World Elite Mastercard® | • N/A | • 2X miles |
| AAdvantage® Aviator® Red World Elite Mastercard® | • 2X miles on American Airlines purchases | • 1 mile per $1 |
| JetBlue Plus Card | • 6X points on JetBlue purchases • 2X points at restaurants and grocery stores | • 1 point per $1 |
| Uber Visa Card | • 5% Uber Cash on Uber and Uber Eats • 3% Uber Cash on dining • 3% Uber Cash on travel | • 1% Uber Cash 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) |
| Choice Privileges® Visa Signature® Card | • 5X points at eligible Choice Privileges locations and on the eligible purchase of Choice Privileges points or Choice Hotel gift cards | • 2X points per $1 |
| Miles & More® World Elite Mastercard® | • 2X miles on ticket purchases directly from Miles & More integrated airline partners | • 1 mile per $1 |
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-brand credit cards from Alaska and Asiana provide access to some of the best value award travel on the planet. If you're over 5/25 and looking for your next target card(s), you can't go wrong with either of the cards listed above.
| 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® Premium Rewards® credit card | • 2X points on travel and dining purchases | • 1.5 points per $1 |
| Alaska Airlines Visa® credit card | • 3X miles spent directly on Alaska Airlines • 2X miles on eligible gas, cable, streaming services and local transit including ride share purchases | • 1 mile per $1 |
| Asiana Visa Signature® Credit Card | • 3X miles on Asiana Airlines purchases • 2X miles on gas and at grocery stores | • 1 mile per $1 |
| Virgin Atlantic® World Elite MasterCard® | • 3X miles spent directly on Virgin Atlantic purchases | • 1.5 miles per $1 |
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 they don't provide top value and 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 | • 3X points on eligible net travel purchases and mobile wallet spending | • 1 point per $1 |
| Club Carlson℠ Premier Rewards Visa Signature® Card | • 10X points at Carlson Rezidor hotels | • 5X points per $1 |
| SKYPASS Visa Signature® Card | • 2X miles on Korean Air ticket purchases | • 1 mile per $1 |
| AeroMexico Visa Signature® Card | • 2X miles on Aeromexico ticket purchases and Aeromexico Vacations, and on on gas & groceries | • 1 mile per $1 |
Discover Credit Card Earning Rates
Offering simple cashback style cards, the value of Discover's cards is the double cashback, where they match all the cashback or miles you earn in the first year. You can net between 2/3% 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 per $1 |
| Discover it® Miles | • Match all the Miles you've earned at the end of your first year | • 1.5 miles per $1 |
Capital One Credit Card Earning Rates
Our favorite Capital One card is the Capital One Spark Cash Plus, a solid cash back card returning 2% on all your business expenses.
| Credit Card | Category Bonus Points Per $ Spent | Base Points/Miles Per $ Spent |
|---|---|---|
| Capital One VentureOne Rewards Credit Card | • N/A | • 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. |
| Capital One Venture Rewards Credit Card | • N/A | • 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. |
| Capital One Quicksilver Cash Rewards Credit Card | • N/A | • 1.5 % Cash Back on every purchase, every day. 5 % Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). |
| Capital One Spark Cash Plus | • N/A | • 2% Cash Back on every purchase and 5% Cash Back on hotels and rental cars booked through Capital One Travel |
| Capital One Spark Cash Select for Excellent Credit | • N/A | • 1.5 % Cash Back on every purchase. 5 % Cash Back on hotels and rental cars booked through Capital One Travel. |
| Capital One Spark Miles for Business | • N/A | • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Unlimited 5X miles on hotels and rental cars booked through Capital One Travel |
| Capital One Spark Miles Select for Business | • N/A | • 1.5 Miles per $1 on every purchase. |
Final Thoughts
A critical point to cover before wrapping up is just because a card earns more base points on everyday spend, it may not be 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 2x points on all purchases, due to the flexibility of the points and the higher redeemable value you can achieve through transferring to travel partners.
We recommend building a balance of flexible rewards points that transfer to a variety of travel partners and focusing on cards subject to Chase's tighter application restrictions before branching out to other providers.
Have a card you'd like to see added to the list? Let us know in the comments.
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.
Thank you for compiling these summaries. I’m still hunting for my next card.
Found this when I was searching on the site. What a good quick reference re different perks.
This is a handy reference. Good to have all the numbers in one place.
Love the lists you guys do! It can help so much when we’re looking to overhaul our credit cards when something just doesn’t work for us anymore. I have been contemplating the Amex Everyday card, but I’m iffy since I have Chase Sapphire. I’ll have to mull it over more I guess.
thank you!
Good overview. Wish cards earned a lot more.
Mobile wallets ( samsung pay is by far the best to me ) make having most of your cards available at all times to maximize the right rewards at the right time without carrying around a giant wallet.
I only carry my amex edp and CSR physically with 90% of the time.
Great list, thanks! Although this post is mainly about airline miles, there are some extra perks like waiving annual fees from some credit cards too for active duty (I’m thinking of the Delta cards here but I’m sure there are others), which is helpful for those who qualify.
One of the best compilation charts on this subject that I’ve seen. Thank you.
amex business blue card blows all competition away. 2x MR points is amazing
Sometimes it is hard to figure out which card to use for which purchase! Wish I had this all done pat in my head!
Wow!! What a resource! Thank you so much!
Thanks once again for all your hard work. It’s so helpful!
The Amex Platinum card’s 5 MR points per dollar return for flights is pretty surreal.
It’s truly stunning how many options there are. Thanks for the cheat sheet.
Good compilation to have
Great summary! Bookmarking for future reference.
Great summary! Bookmarking for future reference.
There’s app called Wallaby that shows you the best credit card to use of those that you have in order to maximize points.
I almost forgot. Citi has a cobranded Sears card (It may have been superseded by the Shop Your Way card that earns ThankYou points (which has it’s best redemption rate with Citi’s travel portal, can be exchanged for JetBlue miles, and Citi has had JetBlue enhanced transfer rate offers) redeemed for gift cards, or at a lower rate (unrecommended) for a prepaid card (Visa or MC, I don’t remember). They seem to email me offers every few monthes that are valid for a couple of monthes, that, other than signing bonuses, seem to be the best point offers I’ve ever seen. For example, now I have an offer for 10 extra Thank You points (plus the regular 1 point) per dollar for online purchases through the end of January if the total purchases total at least $600. I’ve had similar offers for grocery stores (with a lower $ amount to trigger the bonus), extra 5% on all purchases for a few days (prepaid cable/internet/phone), ect..
Very helpful. Virtually impossible to keep track of such things, especially when bonus categories change, etc.
I nice useful resource, thanks
Wrong on US Bank nt looking at 5/24. I was turned down for a Club Carlson card because of too many applications in the last 12 months.
So they count.
US Bank doesn’t have a 5/24 rule like Chase. Being denied for the Club Carlson card likely has to do with US Bank looking at other consumer reports — take a look at an article I wrote a few years ago on another blog: https://www.frugaltravelguy.com/2013/08/getting-approved-for-club-carlson-cards.html that covers likely what happened to you.
Their written reply, on my appeal, cites “too many applications” explicitly.
Sure, absolutely. But this is wholly different from the 5/24 rule.
Not at all. It is exactly the same structure and objective. The only difference is in the details. And if its “6/24”, or whatever, that does not affect the conclusion for anybody thinking of applying.
Andy –
As someone that has been both impacted by 5/24 with Chase and previously denied (I currently hold one after following the instructions in the linked blog article) for a Club Carlson credit card (due to too many recent applications) I can speak from first-hand experience that these two are wholly different.
5/24 is a hard rule set where if you have 5 or more new cards on your credit report you’re denied. It has nothing to do with how many cards you’ve opened in the past 12 or 18 months, but it is specific to 24 months and is different from “too many new / recent applications”
While I can understand that the two are seemingly the same, they are very much different. Your denial was highly likely associated to data not on your credit reports with Experian/Equifax/Experian but rather through other 3rd party consumer reports.
DoC does a fantastic job of covering this specific scenario with more data than my original post: https://www.doctorofcredit.com/two-credit-bureaus-you-should-freeze-before-you-apply-for-a-u-s-bank-credit-card/
Again it may seem the same and even the wording “too many new applications” is the same, but there is no 5/24 or 6/24 or whatever/24 or whatever/12 rule with US Bank.
With a Chase Sapphire card era the you can convert the cash reward from the freedom and ink cards to ultimate reward points. This effectively gives you a 25% (Sapphire Preferred) or 50% (Sapphire Reserve) points bonus, effectively giving you up to 7.5 earning on the regular Freedom and (now discontinued?) ink cash cards and 2.25% on the new Freedom ultimate when paired with the Sapphire Reserve.
Amazing even the authors forget to mention the Chase Freedom/Unlimited and Ink Cash are also UR earning cards when you hold a capable transferable Card.
Freedom 5x quarterly
Ink Cash 5x office supply, cell phone, internet and cable/satellite TV. 2x restaurants.
We didn’t forget; we linked to the Ultimate Rewards earning cards in their own dedicated post!
Thanks for this list. I sometimes hesitate at checkout because I forget which card to use.
Great list, thanks! As someone who doesn’t spend huge amounts of money with credit cards, it’s important to get maximum miles/points per dollar.
This is a handy chart, but one thing to keep in mind is that different points have different values. Just looking at the most number of points under specific spend situations doesn’t necessarily give you the most return. I put a high value on transferable points like Membership Rewards and Ultimate Rewards, but I put a low value on IHG and Hilton points.
Great summary. I have my own in excel, with all the cards we have and also showing redemption values, and by category which to use when. Then I label my husband’s quarterly telling him what to spend where. My spreadsheet also includes benefits like trip insurance, warranty coverage, etc., and thresholds I have to meet But this is a great resource when thinking about new cards I don’t have.
The Citibank Costco card is underappreciated. 3% on all dining, 3% on all travel, and 4% on gas. There’s no annual fee, but you have to be a Costco member, which is cheaper than most annual credit card fees. That’s better for travel and dining than almost anything on this list.
Nice round-up. Thanks!
I don’t see groceries at mot then 2x per$1 unless you refer to the rotating quarterly Chase freedom and Capital one cards. Do any cards give more then 2x per $1 year round with no cap?
Amex Issued Hilton Co-Branded credit cards earn more than 2x at US grocery stores with no cap. The Amex Blue Cash and Blue Cash Preferred earn more than 2x at US grocery stores, but they have caps on earning.
The Chase freedom unlimited gives a 1.5% reward which cand be redeemed through Chase ultimate rewards if you have a Chase Sapphire Reserve. The SR gives you a 1.5 multiplier for travel redemptions getting you to 2.25 rewards if used for travel.
Indeed! The 1.5x multiplier is one of the reasons the CSR is a must-have card in any traveler’s Chase Ultimate Rewards card portfolio.
thanks much for the refresher!!!
Thanks for a good and thorough summary
The answer… Not enough 🙂
Thanks for the summary. Just found that Citi prestige is worse than premiere on bonus. Doesn’t make sense since they are in the same family.
Good collection of info, thanks!
Bank of America rewards cards (not cobranded) all seem to have enhanced reward amounts, up to 75% higher than the listed percentage if you qualify for preferred status by maintaining a certain balance with either bank accounts or their Merrill Lynch accounts.
great compilation of options
Great article! Thanks.
thanks for all this info. It is hard to keep track of who pays what
nice.. lot of choices out there.
Thanks for this list! It’s a great list!!
This is a great synopsis. I think that the SPG cards are great as flexible points for categories that otherwise earn only one point per dollar. They also have periodic opportunities to earn two SPG points per dollar on all spend.
Very, very helpful. Much easier and better than my spreadsheet. 🙂
thx for the hard work!
Thank you for this comprehensive list!
Fantastic compilation! This is an awesome resource.