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 18.74% - 28.74%, 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.

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.

The Blue Cash Preferred® Card from American Express offers fantastic bonuses on U.S. supermarkets and U.S. gas stations.

This may be the best cash back card for groceries and gas combined, with 6% back on US supermarkets (up to $6,000 a year; 1% thereafter) and U.S. streaming services plus 3% back on U.S. gas and transit (bus, train, ferry, etc). 1% Cash Back on other purchases. Terms apply.

o% Introductory APR (Includes Balance Transfers)

Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate of 18.74% to 29.74% (Rates and Fees)

Additional Disney Benefit

Get $7 per month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription for the Disney Bundle (includes Disney+, Hulu, and ESPN+)

* American Express defines a supermarket as a store 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 on the 3% cash back on transit: It does not include cruises, airfare, or other standard "travel" categories. The YourBestCreditCards tool classifies this in the Other Travel category. See site for details. Terms apply.

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.

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.

o% APR Offer - Balance Transfers

0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

This Student credit card earns 2x on supermarkets and gas, up to a combined $6,000 per year.

It earns 1x ThankYou Points on everything else and gives you the ability the ability to get 10% Points Back for the first 100,000 ThankYou points as you redeem them each year.

The Blue Cash Everyday® Card from American Express has no annual fee and earns cash back with several popular bonus categories.

The Blue Cash Everyday has bonus cashback on groceries, online retail, and gas.

• Earn 3% cash back at US supermarkets* for up to $6,000 in annual purchases; then 1%.
• Earn 3 % on online retail purchases up to $6,000 annually, then 1%.
• Earn 3% cash back at US gas stations, up to $6,000 annually, then 1%.
• Earn 1% cash back on all other eligible purchases.
• 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.)

Additional Blue Cash Preferred Benefits

• The Disney Bundle: Get $7 back each month after using your Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
• $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. (Shipping available in the contiguous US only.)

0% Intro APR

Enjoy a 0% intro APR for 15 months on purchases from the date of account opening, then a variable rate, 18.74% to 29.74%. (Rates and Fees)

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.

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.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

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.

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

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.

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.

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.

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.

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.

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.