Dining
Who doesn’t love to eat? Whether it’s fine dining or fast food, these credit cards offer the best returns on your spend for purchases made when you are dining out at restaurants. This applies to dining out, take-out meals and ordering in delivery via services like DoorDash, Seamless, GrubHub, Caviar, and Postmates.
So, these are also the best credit cards for food delivery.
It’s worth keeping in mind that the Chase Sapphire Reserve comes with a free year of DashPass which gives you free delivery and reduced service fees on orders of $12 or more with many restaurants.
The American Express Gold Card comes with $10 in monthly credits which can be used at Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, and most Shake Shack locations.
Finally, the Amex Platinum offers Uber credits which can be used at UberEats. You’d never get this card just for the dining credits, but the $15 monthly Uber credit (which gets increased to $35 in December) can be used for Uber Eats.
You can view business credit cards, personal credit cards, or both. Or find the best credit card for any other bonus category.
The “Estimated Rewards Value” shown represents the average return you can expect on that spend, factoring in the bonus multiplier and the Your Best Credit Cards valuation of the specific mile or point earned by that card. This represents the return you can expect to get if you spend some time to learn about that particular rewards program and is not a minimum or guaranteed return.
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.8.00%
Annual Dining Limit:
$6,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.8.00%
The Citi Custom Cash℠ Card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.
Assuming you do, then these should combine to your overall ThankYou pool once linked.
You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.
The eligible spend categories are:
- Restaurants
- Gas Stations
- Grocery Stores
- Select Travel
- Select Transit
- Select Streaming Services
- Drugstores
- Home Improvement Stores
- Fitness Clubs
- Live Entertainment.
You'll earn an unlimited 1% cash back on all other purchases.
The 5X applies to your top category each month.
O% Intro APR Offer - New Purchases and Balance Transfers
0% Intro APR on balance transfers and purchases for 15 months.
After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
Please note: If you are finding this card in your results for our Rewards Optimization tool, due to system limitations the tool will calculate a maximum of $6,000 per year for your top categories at 5%, but it will not factor in exact monthly spend.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.6.80%
American Express® Business Gold Card
Annual Dining Limit:
$150,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.6.80%
The American Express® Business Gold card is a powerful earner for business owners with high spend on the included bonus categories.
You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year. Terms apply.
Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.
Our page on the Amex Business Gold Card has the American Express definition of hardware, software, and cloud computing merchants.
Also, get a 25% rebate on airfare booked American Express Travel using Membership Rewards. Applies to all First/Business Class tickets and economy tickets with your one selected airline, up to 250,000 points back per calendar year. Terms apply.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.6.80%
American Express® Gold Card / Rose Gold Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.6.80%
Is the American Express® Gold Card the best card for dining and groceries?
The Gold Card offers 4x Membership Rewards points at restaurants (including U.S. takeout and delivery) and at US supermarkets (up to $25,000 a year; 1X thereafter), as well as 3x on flights booked directly with airlines or on amextravel.com.
And at long last, American Express is once again offering both new and existing cardholders the opportunity to get the Rose Gold version of the Gold Card. (Simply select it when applying.)
It also offers $20 in monthly dining statement credits - $10 monthly at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment and $10 in Uber Cash each month. Enrollment required / terms apply.
(Note that the airline incidental credits will no longer be offered after 2021 and are no longer available to new applicants.)
While many Amex bonus categories are US-only, this card earns 4x on restaurants, including internationally.
American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
It's also important to note that as a card product that American Express used to classify as "charge" - meaning that it has No Preset Spending Limit - so it is not counted against your 5 Amex credit card limit. The Gold Card will still be in the category of cards (former charge products) in which you can have up to 10. Those include the Green, Gold, Platinum, and Centurion.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.40%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.40%
The Bilt Mastercard® is the only credit card that lets you pay your rent with no surcharges and earn one point per dollar in the process.
This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases per statement cycle.
- Earn up to 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
- 2X points on travel
- 3X points on dining
- 1X points on other purchases
- Earn points on rent when you make 5 transactions that post each statement period.
- When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian(TM), TransUnion(TM), and Equifax(TM).
Signup Bonus
The card does not have a traditional signup bonus, however, once you are approved you will be sent an email offering you 5X on everything (except rent) for 5 days, up to $10,000.
So, timed well, you could conceivably get a bonus of up to 50,000 points.
Bilt Transfer Partners
- American Airlines AAdvantage
- Aer Lingus Avios
- Air Canada Aeroplan
- Air France Flying Blue
- British Airways Avios
- Cathay Pacific Asia Miles
- Emirates Skywards
- Hawaiian Airlines
- Iberia Avios
- IHG Rewards
- United Airlines MileagePlus
- Turkish Airlines Miles&Smiles
- Virgin Atlantic
- World of Hyatt
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
Chase Sapphire Reserve® Review
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve® is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.
It offers 3X Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal or via Pay Yourself Back, and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.
If you don't mind booking your hotel stays via the Chase Travel portal, you will earn an incredible 10X points, although as a prepaid rate you won't receive hotel chain status benefits.
Earn Rate:
- 10X total points on hotel stays and car rentals purchased through Ultimate Rewards
- 10X Ultimate Rewards points on Lyft rides through March 2025
- 5X total points on air travel purchased through Ultimate Rewards
- 3X Ultimate Rewards points on travel and dining
- 10x total points on Chase Dining purchases through Ultimate Rewards (This is powered by Tock Dining and is only in select markets)
- 1X points on all other purchases
Important Note on the 5X multiplier for airfare and 10X multiplier for hotels and car rentals: You will only receive these bonus multipliers if you book your travel via the Chase Ultimate Rewards Travel portal (using cash). Hotels booked via the portal are prepaid will not earn hotel points or provide hotel loyalty program benefits. If you book travel directly with a provider, you will earn 3X instead of 5X or 10X.
Lyft Benefits:
- Earn 10X Ultimate Rewards points on Lyft rides through March 2025.
- 2 years of complimentary Lyft Pink All Access
Instacart Benefits
- 12 free months of Instacart Express
- $15/month in statement credits
Chase Sapphire Reserve® Card DoorDash Benefits
You'll get free access to DashPass which gives you $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Also receive $5 monthly DoorDash Credits through December 31, 2024.
Global Entry or TSA Pre ® or NEXUS fee credit
You can also receive up to a $100 credit for enrollment in Global Entry or PreCheck once every 5 years.
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Reserve cardmembers can always use their points to book travel via the travel portal where they get 1.5 cents per point.
Now, you can redeem in the same manner for select purchase categories. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.5 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
Chase Freedom Unlimited® Review
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
A no-fee Chase card offering 1.5x Ultimate Rewards points on everything, except as noted below. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.
Chase Freedom Unlimited® Earn Rate:
- 5X on travel when purchased through the Chase Ultimate Rewards portal*
- 5X on Lyft until March 2025
- 3X on dining (including takeout and delivery)
- 3X at drugstores
- 1.5X on everything else
NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.
Instacart Benefits
- 3 free months of Instacart Express
- $10/quarter in statement credits
0% Interest APR Intro Offer:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
Chase Sapphire Preferred® Card Review
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
Perhaps the best "starting out card" in miles and points.
The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.
Chase Sapphire Preferred Card Earn Rate:
- 5X Chase Ultimate Rewards points on Lyft rides (through March 2025)
- 5X total points on all travel purchased through Chase Ultimate Rewards
- 3X points on dining, including eligible delivery services, takeout and dining out.
- 3X points on select streaming services
- 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs)
- 2X Ultimate Rewards points on all travel purchases
- 1X points on all other purchases
Important Note on the 5X multiplier for travel: This card is listed as earning 5X on travel. You will only receive 5X if you book your travel via the Chase Ultimate Rewards Travel portal (using cash). Hotels booked via the portal are prepaid will not earn hotel points or provide hotel loyalty program benefits. If you book travel directly with a provider, you will earn 2X instead of 5X.
Instacart Benefits
- 6 free months of Instacart Express
- $15/quarter in statement credits
Chase Sapphire Preferred® Card DoorDash Benefits
You'll get free access to DashPass which gives you $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Chase Will Let you “Pay Yourself Back”
Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.
Now, you can redeem in the same manner for selected rotating categories. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“.
The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase.
Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.
If you apply for a Chase credit card and don't get an instant approval, you may want to call the Chase reconsideration line.
Note: You will only be approved for a Chase credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.
You also cannot be approved for a Sapphire Preferred if you currently have this card or a Sapphire Reserve card and/or if you have received a bonus on this card in the past 48 months.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.25%
The Chase Freedom Flex is the evolution of the Chase Freedom card, long a staple of the Chase card portfolio.
0% APR Intro Offer:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
The Freedom Flex takes the best part of the Chase Freedom (rotating quarterly 5X bonus categories) and adds a ton of new features:
Chase Freedom Flex Earn Rate:
- 5X on travel when purchased through the Chase Ultimate Rewards portal*
- 5X on rotating quarterly bonus categories (max of $1,500 per quarter in spend; activation required – same as existing Freedom card)
- 5X on Lyft rides through March 2025
- 3X on dining (including takeout and delivery)
- 3X at drugstores
- 1X on everything else
(* Keep in mind, booking via the portal for hotels means that you won’t, in most cases, earn any hotel points / stay credits nor have any hotel elite status honored. For airlines, the fares are generally the same or similar, however, it does mean that you have to deal with Chase for changes instead of the airline directly – and that can be a big hassle.)
Instacart Benefits
- 3 free months of Instacart Express
- $10/quarter in statement credits
Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.10%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.5.10%
The biggest feature of this card is 3X American Express Membership Rewards points on Travel, Transit and Dining. Transit is an especially rare category and includes trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
The new Amex Green card also comes with a few annual credits:
- Receive up to $189 per calendar year in statement credits, when you pay for a CLEAR Plus membership (subject to auto-renewal) with the American Express® Green Card. Terms apply.
- $100 credit to Lounge Buddy (airport lounges - a competitor to Priority Pass lounge access
Rates and Fees for the American Express® Green Card
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.80%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.80%
The Citi Premier® Credit Card is an excellent general travel, dining, and grocery card with a low annual fee.
Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.
There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.
How Does the Citi Premier Earn Citi ThankYou Points?
- 3X Points at Dining
- 3X Points at Grocery Stores / Supermarkets
- 3X Points on Gas
- 3X Points on Flights and Hotels
- 1X Points on All Other Purchases
Other ThankYou Premier Card benefits
- The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
- No foreign transaction fees
Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.50%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.50%
Earn Rate
- 3X points for every dollar spent on dining, takeout, and eligible delivery services
- 3X points for every dollar spent at grocery stores
- 3X points for each dollar spent directly with Air Canada
- 1 point for each dollar spent on all other purchases
- Plus, 500 bonus points for every $2,000 spent in a calendar month (up to a maximum of 1,500 points per calendar month)
Card Benefits
- Status Boost: Automatically receive Aeroplan 25K Elite Status for the remainder of the first calendar year, plus the following calendar year, allowing primary cardmembers to enjoy benefits such as priority check-in, early boarding, upgrades and more on Air Canada flights. Cardmembers can requalify as follows:
- Earn 25K Status through the next year after spending $15,000 in a calendar year
- Existing status holders earn a one-level status boost to 35K Status or higher for the next year after spending $50,000 in a calendar year
- Additional spend thresholds starting at $100,000 of spend in a calendar year will unlock unprecedented Aeroplan redemption benefits, including 50% off Priority Rewards and companion benefits
- Pay Yourself Back: The Aeroplan Credit Card is the first co-branded card to do this (starting soon, not right at launch) and you will be able to Pay Yourself Back with up to 50,000 Aeroplan points annually. This will be good for any all travel from Ubers to flights and will be at 1.25 cents per point in value, so $625 a year max.
- No foreign transaction fees
- Global Entry / PreCheck / Nexus reimbursement once every four years (This is the only credit card in the US that reimburses Nexus, which is like a Canadian Global Entry and is available to US citizens as well)
- Free checked bag for you and up to 8 companions on the same itinerary
- Trip Cancellation/Interruption Insurance
- Baggage Delay Insurance
- Trip Delay Reimbursement
- Auto Rental Collision Damage Waiver
- Roadside Assistance
- The card is a World Elite Mastercard, so you’ll get all of those benefits.
Spend Threshold Bonuses
- At $100,000, $250,000, $500,000 and at $750,000 spend in a calendar year you get a 50% off reward certificate. These vary in utility based on your tier but if you have top tier Air Canada status, they are good for 50% off any award you can find. In fact, you can even use them to book an Aeroplan-metal economy award (if that is what your status allows) and then use eUpgrade credits to get into Business Class.
- At $1,000,000 in spend, you het a GLOBAL +1 Award, which grants you 100% of your points back for all redemptions in all cabins on any metal for a designated companion.
NOTE: If you used our Credit Cards Optimization Tool to find this card, please remember that the 3X bonus rate for Air Canada flights only applies to paid flights booked via Air Canada. Other flights would earn 1X.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.00%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.4.00%
With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.
Card Features:
- 4% cash back on dining, including takeout and delivery
- 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
- 1% cash back on everything else
- No annual fee
- No foreign transaction fees
- A one-time $15 streaming service credit after 11 months of streaming service purchases.
0% Intro APR for 12 Months on the Altitude GO card
0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.49% - 28.49%.
US Bank Altitude GO Credit Card Review
The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.
Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.
This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.50%
Chase Ink Business Cash® Credit Card
Annual Dining Limit:
$25,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.50%
The Chase Ink Business Cash® Credit Card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.
Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.
Get a 0% introductory APR for 12 months on purchases,17.99% - 23.99% thereafter.
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $750.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.50%
Hilton Honors Aspire® Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.50%
Get complimentary top-tier Hilton Diamond status, an annual $250 Hilton Resort credit, an annual $250 airline incidental fee credit, and a Free Night Award, valid any day of the week on a Standard room award at nearly any property in the world. You can earn a second Free Night Award with $60,000 in spend within a calendar year
Also includes Priority Pass Select Airport Lounge Access for you and up to 2 guests per visit at no additional charge. (Enrollment required).
Earn Rate:
14x Hilton Honors points at Hiltons; 7x points on flights booked directly with airlines, car rentals booked direct, and US restaurants; and 3x points everywhere else.
NOTE: For the purposes of calculating your expected rewards for this card, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.
All information about the Hilton Honors Aspire® Credit Card has been collected independently by Your Best Credit Cards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Earn 4x World of Hyatt points at Hyatt, 2x at restaurants, airline tickets purchased directly, local transit and commuting, and fitness club and gym memberships.
The Hyatt card gives you a Category 1 - 4 night every card year at renewal and you can earn a second one with $15,000 spend. Additional benefits include automatic Discoverist status and 5 elite nights credited each calendar year as well as the ability to earn 2 elite nights for every $5,000 in purchases.
Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.
NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
World of Hyatt Business Credit Card
Annual Dining Limit:
$
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
The World of Hyatt Business card gives you Discoverist status, 5 elite nights for every $10,000 you spend, and 2X points on a range of common business spending categories.
World of Hyatt Business Credit Card Earn Rate
- Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on each calendar quarter —with no cap..
- The qualifying spend categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping.
- Stays at World of Hyatt hotels earn 4X points per dollar.
- Fitness club and gym memberships earn 2X points per dollar.
- Everything else earns 1 point per dollar spent.
Click on Card Details for all the benefits of the World of Hyatt Business Credit Card.
Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.
NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.
The Hilton Honors American Express Business Card
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
The Hilton Honors American Express Business Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases. Terms apply.
Also, you'll receive 10 free airport lounge visits each year with included free Priority Pass Select membership. (Enrollment required.)
Earn bonus points on eligible purchases in select business and travel categories: U.S. gas stations, U.S. wireless telephone service, U.S. shipping, U.S. restaurants, U.S. flights booked direct, and U.S. car rentals booked direct.
Earn 3x Hilton points on all other eligible purchases.
Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Hilton Honors Surpass® Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
This mid-tier Hilton card comes with complimentary Hilton Gold status.
It will allow you to earn 12x Hilton Honors points at Hilton; 6x at US restaurants, US supermarkets, and US gas stations; and 3x everywhere else.
There is also an opportunity to earn Diamond status and a Free Night Award (valid on any Standard Room award at nearly every Hilton affiliated property in the world) via $15,000 in annual card spend.
American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.
All information about the Hilton Honors Surpass® Credit Card has been collected independently by Your Best Credit Cards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Capital One SavorOne Cash Rewards Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
This no-fee card offers food and entertainment-centric cash back bonus categories.
Get 3% on dining, 3% on streaming, 3% on entertainment, 3% at grocery stores (excluding superstores like Walmart(R) and Target®) and 1% everywhere else. Plus, earn 8% cash back on Capital One Entertainment purchases.
Also, earn 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.
Uber Benefit
Automatically earn 10% back on qualifying purchases on Uber and Uber Eats plus complimentary Uber One membership, through November 14, 2024
0% intro APR on purchases for 15 months; 19.74%-29.74% variable APR after that.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Costco Anywhere Visa Card by Citi
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, including EV charging stations, both at Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.
You must have a Costco membership to be eligible for this card.
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Review: Get a free checked bag and preferred boarding on American Airlines.
Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also, earn a $100 flight discount after spending $20,000 and renewing your card.
Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases
NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
TD Bank TD Cash Visa Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
With no foreign transaction fees, no annual fee, and 3% back on dining as well as 2% back on grocery stores, this card is an easy way to up your cash back game.
Please note that applications are only being accepted in the following states: Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia, Washington, D.C.
If you are not in an approved state, please see our other cash back credit cards.
0% APR Intro Offer
Get 6 months of 0% Interest on new purchases your new card account (Terms apply).
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard ®
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard ®
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations including EV charging stations, office supplies or cell phone service or at restaurants.
You will earn 3% cash back on all four of these categories with no cap.
Also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
No annual fee.
Capital One SavorOne Student Cash Rewards Credit Card
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
Capital One SavorOne Student Cash Rewards Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.00%
The Capital One SavorOne Student Cash Rewards Credit Card offers high bonus cash back categories at 3% back for spend on dining, entertainment, popular streaming services and at grocery stores (excluding superstores).
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply
Earn 1% everywhere else.
Also, earn 8% cash back on Capital One Entertainment purchases.
Uber Benefit
Automatically earn 10% back on qualifying purchases on Uber and Uber Eats plus complimentary Uber One membership, through November 14, 2024
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.50%
Hilton Honors American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.50%
The no-annual fee Hilton Honors American Express Card comes with complimentary Hilton Silver status, earns bonus Hilton points on Hilton stays, US restaurants, US gas stations, and US supermarkets*. Terms apply.
*American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
NOTE: For the purposes of calculating your expected rewards, we are assuming that the spend you put in "Hotels" is all spent at Hilton portfolio hotels and resorts. If some is spent at other hotels, your actual rewards will be slightly lower.
Marriott Bonvoy Business® American Express® Card
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Marriott Bonvoy Business® American Express® Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Earn Marriott Bonvoy points with the Marriott Bonvoy Business® American Express® Card for all eligible purchases.
Earn 6x for stays at Marriott; 4x at restaurants worldwide, U.S. gas stations, with U.S. shipping companies, and wireless telephone service from U.S. providers; and 2x on all other eligible purchases.
Get a free night award, Gold Elite status, and 15 elite credits annually. Terms apply.
Also, receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level. In fact, if you also have a personal Bonvoy credit card, you can earn 15 elite nights annually on each card - for a total of 30 per year.
Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.
Delta SkyMiles® Gold Business American Express Card
Annual Dining Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Delta SkyMiles® Gold Business American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
With the Delta SkyMiles® Gold Business American Express Card, you'll get your first checked bag free and priority boarding on Delta.
Gold Delta SkyMiles Business Credit Card Earn Rate
- 2X Delta SkyMiles on Delta purchases
- 2X miles on eligible U.S. shipping purchases
- 2X miles on restaurants worldwide
- 2X miles on U.S. advertising in select media (online, TV)
- 1X miles on other eligible purchases
New Delta Flight Benefit
Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Delta SkyMiles® Blue American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
The Delta SkyMiles® Blue American Express Card has no annual fee and gives you the option to earn 2 bonus Delta SkyMiles on restaurants, as well as on Delta. You'll earn 1 point per dollar spent on all other eligible purchases. There are no foreign transaction fees, which is somewhat rare for a no-annual fee credit card. Terms apply.
NOTE: This rewards calculator is assuming all of your airline spend is with Delta for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on Delta purchases only.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Delta SkyMiles® Gold American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
With the Delta SkyMiles® Gold American Express Card, get your first checked bag free and priority boarding on Delta. It also earns 2x miles on Delta spend. More serious Delta flyers should consider the Platinum Delta SkyMiles Credit Card from American Express.
Gold Delta SkyMiles Credit Card Earn Rate
- 2X Delta SkyMiles on Delta purchases
- 2X miles on U.S. supermarkets
- 2X miles on restaurants worldwide
- 1X miles on all other eligible purchases
New Delta Flight Benefit
Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year. Terms apply.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Delta SkyMiles® Platinum American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
With the Delta SkyMiles® Platinum American Express Card, you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.
Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.
Delta Platinum Bonus Categories
- Earn 3X miles on Delta purchases
- Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
- Earn 2X miles at U.S. supermarkets
- Earn 2X miles at restaurants, worldwide
- Terms apply
Additional Delta Platinum Benefits
- $100 statement credit every 4 years for Global Entry or an $85 credit for TSA Pre✓® every 4.5 years.
- Buy One, Get One Companion Certificate on select fares.
- $50 Delta SkyClub per-visit lounge access for yourself and up to two guests when flying Delta.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Holders of the United℠ Explorer Card get free checked bag for you and a companion (must pay with card) and priority boarding on United flights.
- You'll also get two one-time United Club passes per cardmember year, access to the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus Events.
- You can earn a PQD status waiver with $25,000 spend and, best of all, this card entitles you to expanded saver economy award availability on United flights.
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit: You can receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
- Get one-year of complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by 12/31/24. After the trial period, you will be automatically enrolled in DashPass at the current monthly rate.
Includes Primary Rental Car Collision Damage Waiver (CDW) Coverage
The coverage is Primary, so you won't have to involve your own insurance as long as you reserve and pay for the rental with this card (see issuer website for all terms).
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on United and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
United Quest(SM) Card Earn Rate
- 3X United miles on United purchases.
- 2X on other travel (like air, hotel, and car rentals). (Recall, though, that you can earn 3X points on any airline in the world with a Chase Sapphire Reserve or 2X on any airline in the world with a $95 annual fee Chase Sapphire Preferred.
- 2X miles on dining and streaming services.
- Everything else earns just 1 mile per dollar.
United Quest Benefits
- Two 5,000 mile award flight credits each year after account anniversary. Essentially, you will get 5,000 miles “back” after you book an award flight.
- $125 annual United purchase credit. This is a statement credit against UA purchases like airfare as well as things you can buy that are related to a flight, like checked bag fees, upgrades, seats, and Wifi.
- Earn 500 PQP for every $12,000 in card spend, up to 3,000 PQP in a Calendar Year - valid up to 1K status as long as the required PQF requirements are also met.
- 2 free checked bags
- Priority boarding
- $100 in Global Entry or TSA Precheck once every 4 years.
- No foreign transaction fees
- Premier upgrades on award tickets. Prioritized after the lowest paid fare class, a Premier member with this card will get upgraded on award tickets.
- 25% statement credit on onboard purchases (food, drinks, and wifi)
- Trip Cancellation / Interruption insurance
- Trip Delay reimbursement
- Primary car rental collision / damage waiver
- Purchase protection
- Roadside assistance
NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 3X. Other airfare earns 2X. If part of that spend is on other airlines, that spend will earn only 2x on this card, reducing the value of your rewards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
Marriott Bonvoy Bevy™ American Express® Card
Annual Dining Limit:
$
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.40%
The Marriott Bonvoy Bevy credit card is a mid-tier Bonvoy card that lies in between the $95 annual fee Bonvoy Amex (available only by product change from a Bonvoy Brilliant or Bevy) and the Bonvoy Brilliant.
Bonvoy Bevy Earn Rate
- 6X Bonvoy Points at hotels participating in Marriott Bonvoy
- 4X Bonvoy Points for up to $15,000 in combined purchases per year at restaurants worldwide and at U.S. supermarkets
- 2X Points on all other eligible purchases
Other Bonvoy Bevy Benefits
- 1,000 Bonus Marriott Bonvoy Points with each qualifying stay.
- Complimentary Gold Elite status and 15 Elite Night Credits each calendar year toward higher Elite status
- A Free Night Award (redemption level at or under 50,000 Bonvoy Points after you make $15,000 in purchases per year. (Resort fees not included). Note that there are no free nights automatically included with your card renewal.
Terms and conditions apply.
NOTE: Our rewards calculator is assuming that your total entered in "Hotels" is spend at Marriott properties for the purposes of calculating this card's value to you. If part of your hotel spend is at non-Marriott properties, that spend will earn less than our estimate.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
IHG® Rewards Premier Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
IHG® Rewards Premier Credit Card Earn Rates
- 10X IHG bonus points when staying at IHG properties (That’s up to 26 total points per $ spent when factoring in IHG Rewards earnings when you stay).
- 5X points for all travel
- 5X points at gas stations
- 5X points for dining / take out / delivery
- 3X points for all other eligible purchases
IHG properties include: InterContinental® Hotels & Resorts, InterContinental Alliance®Resorts, Crowne Plaza®, Hotel Indigo®, Holiday Inn®, Holiday Inn Express®, Holiday Inn Resort®, Holiday Inn Club Vacations®, Staybridge Suites®, Candlewood Suites®, EVEN™ Hotels and HUALUXE™
Additional IHG Premier credit card benefits:
- IHG Platinum Status
- An annual anniversary free night (up to 40,000 points, but you can "top up" with additional IHG Rewards points from your account for a more expensive reward)
- The fourth reward night free: Enjoy a reward night when you redeem points for any consecutive four-night stay at an IHG hotel; your fourth night will be free!
- Earn 10,000 bonus points and a $100 statement credit when you spend $20,000 plus one additional purchase each card year.
- Receive up to $50 in United Airlines TravelBank cash each year.
- Spend your way to Diamond Status with $40,000 in purchases plus one additional purchase in a calendar year.
- Get up to $800 per claim in cell phone protection against covered theft or damage (see issuer site for details and deductibles).
- No foreign transaction fees.
NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Disney offers discounts on merchandise, select dining locations, and guided tours; and special perks to cardholders, including cardholder-only photo opportunities, character experiences, and special cardholder-only locations in Disney parks, exclusive cardholder-only events, exclusive early access to events and Broadway tickets, and 0% APR for 6 months from date of purchase on Disney vacation packages. Choose from 10 Disney card designs. Earn 2% DRD (Disney Reward Dollars) at restaurants, grocery stores, gas stations, and most Disney locations; earn 1% DRD everywhere else.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
US Bank Altitude® Connect Review
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.
Card Features:
- 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
- 2X points at grocery stores and on grocery delivery
- 2X points for dining (at a restaurant or via delivery)
- 2X points on streaming services
- 1X point per dollar on all other eligible purchases
- Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
- Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
- TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
- No Foreign Transaction Fees.
US Bank Altitude Connect Credit Card Review
The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.
This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Amazon Business Prime American Express Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Earn 5% Back on your first $120,000 in purchases each calendar year on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Or, get 90 day terms for those purchases instead of the 5% cash back.
You'll also earn 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
Earn 1% back on everything else.
Earned rewards can be redeemed for Amazon purchases ur used as statement credits.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
IHG® Rewards Premier Business Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
The IHG® Rewards Premier Business Credit Card is a great choice for business travelers that stay at IHG Rewards hotels often as it comes with a range of perks.
IHG Rewards Club Premier Business Credit Card Earn Rates
- 10X IHG bonus points when staying at IHG properties.
- 5X points for all travel
- 5X points at gas stations
- 5X points for dining / take out / delivery
- 5X points for social media and search engine advertising
- 3X points for all other purchases
IHG properties include: InterContinental® Hotels & Resorts, InterContinental Alliance®Resorts, Crowne Plaza®, Hotel Indigo®, Holiday Inn®, Holiday Inn Express®, Holiday Inn Resort®, Holiday Inn Club Vacations®, Staybridge Suites®, Candlewood Suites®, EVEN™ Hotels and HUALUXE™
Additional IHG credit card benefits:
- IHG Platinum Status
- An annual anniversary free night (up to 40,000 points, but you can "top off" with additional points).
- The fourth reward night free: Enjoy a reward night when you redeem points for any consecutive four-night stay at an IHG hotel; your fourth night will be free!
- Earn 10,000 bonus points and a $100 statement credit when you spend $20,000 plus one additional purchase each year.
- Earn an additional free night (up to 40,000 points) each calendar year when you spend $60,000 plus one additional purchase.
- Receive Diamond (top tier) elite status when you spend $40,000 plus one additional purchase in a calendar year.
- Receive up to $50 each year in United Airlines TravelBank Cash.
- Get a Global Entry / TSA PreCheck Fee Credit (up to $100 every 4 years).
- No foreign transaction fee.
NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Instacart Mastercard® Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Instacart Mastercard Earn Rate
- 5% cash back for Instacart purchases made through the Instacart app or at Instacart.com
- 5% cash back for all travel purchased through the Chase Travel Center (only - direct bookings with airlines, hotels, etc do not qualify).
- 2% cash back at restaurants
- 2% cash back at gas stations
- 2% cash back on streaming services
- 1% cash back for all other purchases
If you are looking for a powerful card for all supermarket purchases, you'd be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets.
But if you are loyal to Instacart, this card is worth considering.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.80%
Marriott Bonvoy Boundless® Credit Card
Annual Dining Limit:
$6,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.80%
Earn Marriott points for purchases. Earn 6x at Marriott, 3x Bonvoy points on up to $6,000 in combined purchases at restaurants, including takeout and delivery, on groceries and at gas stations and 2x everywhere else. Get a Free Night Award, 15 elite credits, and Silver status every year.
No Foreign Transaction Fees
NOTE: In valuing your potential rewards from this card, we assumed that all spend from Hotels is at Marriott brands, which earn 6x points. If some of your hotel spend is at other hotel brands, your actual rewards will be somewhat lower.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.40%
Hawaiian Airlines World Elite Mastercard
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.40%
NOTE: When calculating your total rewards, our tool assumes all spending in the "Airfare" category is spent on Hawaiian Airlines and uses a 3X multiplier accordingly. If you do not fly Hawaiian Airlines exclusively, your rewards will be lower.
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.20%
IHG Rewards Club Traveler Credit Card
Annual Dining Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.20%
This is the no-fee version of the IHG Rewards Club Premier Credit Card, with somewhat reduced benefits in exchange for not having an annual fee.
The IHG credit card is best suited for spend at IHG properties where it earns IHG points at the rate of 5x IHG points per dollar (vs. 10x IHG points with the IHG Rewards Club Premier Credit Card).
This card still gives you the 4th Night Free (defined below) on an Award Stay benefit which is one of the best reasons to have either IHG credit card, although you do give up many other features of the IHG Rewards Club Premier Credit Card which does have an annual fee.
IHG Rewards Club Traveler Credit Card Earn Rates
- 5X per dollar spent at IHG properties
- 3X points per dollar on utilities
- 3X points per dollar on cable, Internet, and phone
- 3X points per dollar on select streaming services
- 3X points per dollar for dining
- 3X points per dollar for gas stations
- 2X points on all other eligible spend
Additional IHG Rewards Club Traveler benefits:
- The fourth reward night free: Enjoy a reward night when you redeem points for any consecutive four-night stay at an IHG hotel; your fourth night will be free!
- Earn 10,000 bonus points when you spend $10,000 in a calendar year.
- No foreign transaction fees
Bonus Offer
Earn 60,000 bonus points with a Chase Sapphire Preferred
One of the best cards if you’re new to miles and points.
Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
X =
Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
X =
Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
