Best card for every kind of spending
Not just travel. Pick how you actually spend and see which card returns the most value — ranked by effective cash-back rate, vendor-neutral.
Last updated
- GroceriesTop: Amex Blue Cash Preferred · 6.0%Supermarkets and grocery stores.
- DiningTop: Citi Custom Cash · 5.0%Restaurants, takeout and food delivery.
- GasTop: Wyndham Earner+ · 6.0%Gas stations and fuel.
- TravelTop: World of Hyatt Business · 15.3%Flights, hotels and general travel.
- Transit & rideshareTop: Citi Custom Cash · 5.0%Public transit, rideshare, tolls and commuting.
- StreamingTop: Amex Blue Cash Preferred · 6.0%Streaming services.
- EntertainmentTop: Capital One Savor · 8.0%Concerts, events and entertainment.
- Online shoppingTop: U.S. Bank Shopper · 6.0%Online retail and wholesale clubs.
- DrugstoresTop: Citi Custom Cash · 5.0%Pharmacies and drugstores.
- FlightsTop: Sapphire Reserve · 8.0%Airfare and airline purchases.
- HotelsTop: World of Hyatt Business · 15.3%Hotel stays and bookings.
- EV chargingTop: U.S. Bank Altitude Connect · 4.0%Electric-vehicle charging stations.
- Wholesale clubsTop: Costco Anywhere Visa · 4.0%Costco, Sam's Club and warehouse stores.
- Office suppliesTop: Ink Business Cash · 5.0%Office-supply stores — business cards shine here.
- Pet careTop: WF Attune · 4.0%Pet supplies, grooming, boarding and vet visits.
- Everyday / everything elseTop: Robinhood Gold · 3.0%Flat-rate spending with no category bonus — the rate you earn on most purchases.
- Medical & dentalTop: Robinhood Gold · 3.0%Doctor, dentist and pharmacy bills. No U.S. card has a medical bonus, so the best play is your top flat-rate or choose-your-category card.
Roundups
By card type, not spending category — vendor-neutral picks.