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The Best Rewards Credit Cards for Each Spending Category The Best Rewards Credit Cards for Each Spending Category

The Best Rewards Credit Cards for Each Spending Category

Jess Farley
by Jess Farley
August 11, 2025
27

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One of the easiest ways of increasing your monthly haul of points and miles is picking the right credit card for each purchase. Not only will you earn more points in the short-term, knowing which rewards card nets the best returns in each spending category can direct your long-term card application strategy, allowing you to fill your wallet with top-earning cards and maximize the rewards earned on every purchase.

That said, the key takeaway with any best-of list of rewards cards is the best card to swipe for any given purchase is subjective and determined by your travel goals and the cards you keep in your wallet.

The Top-Earning Credit Cards for Each Bonus Category

We’ve included a summary of our top picks for each bonus category, with links to deep-dive posts that cover the topic in full.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Gold Card
Annual Fee$325
Welcome Offer As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Show more
Why We Like ItHighlightsEarning Rates
The American Express® Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel®. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express® Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
  • 1X on other eligible purchases
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Apply Now
Rates & Fees
Chase Sapphire Reserve®
Annual Fee$795
Welcome Bonus Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
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Why We Like ItHighlightsEarning Rates
Chase's flagship Ultimate Rewards card. You get a $300 travel credit, airport lounge access courtesy of a Priority Pass membership and industry-leading travel insurance benefits. New cardholders earn 100,000 bonus points + $500 Chase Travel℠ promo credit bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
  • Member FDIC
  • Rates & Fees
  • 8x points on all purchases through Chase Travel℠
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • 1x points on all other purchases
  • Best Rewards Cards for Dining & Restaurants – Once again, the Amex Gold shines with 4X points at restaurants worldwide (on up to $50,000 per year, then 1X). Plus, cardmembers get up to $100 in Resy credits and up to $120 in dining credits — plus up to $120 in Uber Cash that can be used through Uber Eats. Enrollment is required for select Amex benefits.

    Amex Disclosure: To receive $10 monthly credits (up to $120 per year) in Uber Cash, you must add the American Express® Gold Card to your Uber account and select it as the payment method for your Uber or Uber Eats transaction.

American Express® Gold Card
American Express® Gold Card
Apply Now
Rates & Fees
(Terms apply)
American Express® Gold Card
Annual Fee$325
Welcome Offer As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Show more
Why We Like ItHighlightsEarning Rates
The American Express® Gold Card stands out for its robust rewards, especially for food enthusiasts. It offers 4X points on dining worldwide (up to $50,000 per year, then 1X) and U.S. supermarkets (up to $25,000 per year, then 1X), and 3X points on flights booked directly with airlines or through American Express Travel®. Cardholders can take advantage of multiple annual dining credits at select locations and up to $120 in Uber Cash credits for U.S. rides and Uber Eats (received as $10 monthly credits), just add your American Express® Gold Card to your account in the Uber app and select it as the payment method. Enrollment required for select American Express benefits.
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
  • Rates & Fees
  • 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
  • 1X on other eligible purchases
Citi Strata Premier® Card
Citi Strata Premier® Card
Apply Now
Rates & Fees
Citi Strata Premier® Card
Annual Fee$95
Welcome Offer Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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Why We Like ItHighlightsEarning Rates
The Citi Strata Premier® Card offers some of the best earning rates of any rewards card with an annual fee under $100. This card offers excellent rewards on an unusually generous list of earning categories, including air travel, hotels, car rentals, groceries, and dining—and it tops our list of the best cards for gas & fuel purchases.
  • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card.
  • No Foreign Transaction Fees on purchases.
  • 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
  • 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
  • 3X – Earn 3 Points per $1 spent on Restaurants
  • 3X – Earn 3 Points per $1 spent on Supermarkets
  • 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
  • 1X – Earn 1 Point per $1 spent on All Other Purchases
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Apply Now
Rates & Fees
Ink Business Cash® Credit Card
Annual Fee$0
Welcome Bonus Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Show more
Why We Like ItHighlightsEarning Rates
Features a up to $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
  • Earn 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
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
  • Rates & Fees
  • 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 on all other card purchases with no limit to the amount you can earn
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Apply Now
Rates & Fees
Ink Business Preferred® Credit Card
Annual Fee$95
Welcome Offer Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Show more
Why We Like ItHighlightsEarning Rates
The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
  • Rates & Fees
  • 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • 1X point per $1 on all other purchases
Citi Double Cash® Card
Citi Double Cash® Card
Apply Now
Rates & Fees
Citi Double Cash® Card
Annual Fee$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Show more
Why We Like ItHighlightsEarning Rates
The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.

If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

    Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

    Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Unsure how many points or miles your card earns for each purchase? Be sure to check our handy guide covering credit card earning rates.

Final Thoughts

Extract the maximum return (points, cash or miles) from every purchase, and you’ll quickly build a substantial balance of travel rewards to splurge on your next award booking. When you’re not working on a welcome bonus or spending threshold bonus, you should have a shortlist of cards you use for each bonus category, to ensure you get the maximum return from every dollar you spend.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), Ink Business Cash® Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), and Citi Double Cash® Card (Rates & Fees)

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