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Best credit card by spending category
The right card changes with what you buy. Each guide ranks personal credit cards by what they actually earn in that category, using issuer-published rates and stating the point values we assume.
Data published October 22, 2026.
- GroceriesTop: American Express Gold · 6.8%
- GasTop: Chase Sapphire Preferred · 5.4%
- DiningTop: Citi Strata Elite · 9.6%
- FlightsTop: American Express Platinum · 8.5%
- HotelsTop: Chase Sapphire Reserve · 7.2%
- Car rentalsTop: Chase Sapphire Reserve · 7.2%
- StreamingTop: American Express Blue Cash Preferred · 6%
- DrugstoresTop: Barclays AARP Essential Rewards · 3%
- Transit and rideshareTop: American Express Green · 5.1%
- Phone and internet billsTop: Discover It · 5%
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