Home › Best Cards › Gas & EV
DiningGroceriesGas & EVTravelFlightsHotelsTransitStreamingNo Annual FeePremium
BEST CARDS · UPDATED MONTHLY

Best Credit Cards for Gas & EV Charging (August 2026)

Fuel is a universal spend category, and EV charging is finally getting first-class treatment from issuers. This list merges both: for each card we take its better rate of the two, so hybrid households can compare on one page.

By Frank · Updated Aug 18, 2026 · 72 cards ranked
1 4x → ≈ 6% back
US Bank Altitude Connect

US Bank Altitude Connect

U.S. Bank
Gas
4x
Annual fee
$0
Welcome bonus
20,000 bonus points
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Travel 4x 6%
Gas 4x 6%
EV Charging 4x 6%
Dining 2x 3%
Streaming 2x 3%
Groceries 2x 3%
Everything else 1x 1.5%
Benefits · $130/yr face value
Credits (2)
  • $100 Global Entry or TSA PreCheck Fee Credit $100 /yr
  • $30 Streaming Credit $30 /yr
Status & Elite Perks (1)
  • Priority Pass Select Membership
Protections (1)
  • Travel Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

2 4x → ≈ 6% back
US Bank Business Altitude Connect

US Bank Business Altitude Connect

U.S. Bank
Gas
4x
Annual fee
$95
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Travel 4x 6%
Gas 4x 6%
EV Charging 4x 6%
Dining 2x 3%
Internet / Cable / Phone 2x 3%
Everything else 1x 1.5%
Benefits · $100/yr face value
Credits (1)
  • $25 Taxi/Rideshare Credit $25 /yr
Status & Elite Perks (1)
  • Priority Pass Digital Membership
Protections (2)
  • Auto Rental Collision Damage Waiver $50 /yr
  • Lost Luggage Insurance $25 /yr
Other (1)
  • Free Employee Cards

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

3 5% back
Chase Freedom Flex Full review →

Chase Freedom Flex

Chase
Gas
5%
Annual fee
$0
Welcome bonus
$200 Cash Bonus
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5% 5%
Transit 5% 5%
EV Charging 5% 5%
Entertainment 5% 5%
Drugstores 3% 3%
Dining 3% 3%
Everything else 1% 1%
4 5% back
Citi Dividend

Citi Dividend

Citi
Gas
5%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5% 5%
Home Improvement 5% 5%
Everything else 1% 1%
5 5% back
Discover it

Discover it

Discover
Gas
5%
Annual fee
$0
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Flights 5% 5%
Gas 5% 5%
Drugstores 5% 5%
Transit 5% 5%
EV Charging 5% 5%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (4)
  • Free FICO Credit Score
  • Freeze it Feature
  • Online Privacy Protection
  • Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

6 5% back
Discover it Student Full review →

Discover it Student

Discover
Gas
5%
Annual fee
$0
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Flights 5% 5%
Gas 5% 5%
Drugstores 5% 5%
Transit 5% 5%
EV Charging 5% 5%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (4)
  • Free FICO Credit Score
  • Freeze it On/Off Switch
  • Online Privacy Protection
  • Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

7 5% back
Discover More

Discover More

Discover
Gas
5%
Annual fee
$0
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Flights 5% 5%
Gas 5% 5%
Drugstores 5% 5%
Transit 5% 5%
EV Charging 5% 5%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (4)
  • Free FICO Credit Score
  • Freeze it Feature
  • Online Privacy Protection
  • Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

8 3x → ≈ 4.5% back
Chase Sapphire Preferred

Chase Sapphire Preferred

Chase
Gas
3x
Annual fee
$95
Welcome bonus
75,000 Ultimate Rewards Points
Benefits
11
All earn rates & benefits
Earn rates
CategoryRateTrue value
Lyft 5x 7.5%
Online Grocery 3x 4.5%
Streaming 3x 4.5%
Gas 3x 4.5%
EV Charging 3x 4.5%
Vacation Homes 3x 4.5%
Dining 3x 4.2%
Travel 2x 2.8%
Everything else 1x 1.4%
Benefits · $2,166/yr face value
Credits (5)
  • $10 Monthly DoorDash Credit $120 /monthly
  • Global Entry / TSA PreCheck / NEXUS Credit $120
  • $100 Chase Travel Hotel Credit $100 /yr
  • 10% Anniversary Point Bonus $100 /yr
  • 5x Points on Peloton $50 /yr
Status & Elite Perks (2)
  • Complimentary Apple TV (1 Year) $156 /yr
  • Complimentary DashPass $120 /yr
Protections (4)
  • Travel Insurance $500 /yr
  • Purchase Protection $500 /yr
  • Auto Rental Coverage $200 /yr
  • Extended Warranty Protection $200 /yr

Redemption progress, reset dates and expiry alerts for all 11 benefits — track them automatically in the MaxWorth app →

9 5x → ≈ 4.25% back
PenFed Platinum Rewards

PenFed Platinum Rewards

PenFed Credit Union
Gas
5x
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5x 4.25%
Groceries 3x 2.55%
Dining 3x 2.55%
Streaming 3x 2.55%
Everything else 1x 0.85%
10 8x → ≈ 4% back
Barclays Wyndham Earner Business

Barclays Wyndham Earner Business

Barclays
Gas
8x
Annual fee
$95
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 8x 4%
Advertising 5x 2.5%
Internet / Cable / Phone 5x 2.5%
Everything else 1x 0.5%
Benefits · $600/yr face value
Credits (2)
  • Welcome Bonus $500
  • Anniversary Bonus $100 /yr
Status & Elite Perks (1)
  • Wyndham Rewards Diamond Status
Protections (1)
  • $0 Fraud Liability Protection
Other (4)
  • Earn Free Nights Faster
  • Cardmember Booking Discount
  • Complimentary Employee Cards
  • Visa SavingsEdge

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

Show all 72 cards ranked for gas & ev · ranked #11–#72
11 2x → ≈ 4% back
Chase Hyatt Business

Chase Hyatt Business

Chase
Gas
2x
Annual fee
$199
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hyatt 4x 8%
Dining 2x 4%
Flights 2x 4%
Transit 2x 4%
Gas 2x 4%
Advertising 2x 4%
Shipping 2x 4%
Gym 2x 4%
Everything else 1x 2%
Benefits · $150/yr face value
Credits (1)
  • $100 Hyatt Credit $100 /semi-annual
Status & Elite Perks (1)
  • World of Hyatt Discoverist Status $50
Other (2)
  • 5 Tier-Qualifying Night Credits per $10k
  • No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

12 4% back
Citi Costco Anywhere

Citi Costco Anywhere

Citi
Gas
4%
Annual fee
$0
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas Costco 5% 5%
Gas 4% 4%
EV Charging 4% 4%
Travel 3% 3%
Dining 3% 3%
Costco 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Annual Credit Card Reward Certificate
Status & Elite Perks (1)
  • Citi Entertainment Access
Protections (3)
  • Worldwide Car Rental Insurance
  • Travel Accident Insurance
  • Damage and Theft Purchase Protection
Other (3)
  • Travel and Emergency Assistance
  • Roadside Assistance Dispatch Service
  • Citi Concierge Service

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

13 4% back
PNC Cash Rewards

PNC Cash Rewards

PNC Bank
Gas
4%
Annual fee
$0
Welcome bonus
$200 statement credit
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 4% 4%
Dining 3% 3%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Protections (1)
  • Cell Phone Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

14 4% back
Verizon Visa Card

Verizon Visa Card

Synchrony Bank
Gas
4%
Annual fee
$0
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 4% 4%
Gas 4% 4%
Dining 4% 4%
Verizon 4% 4%
Everything else 1% 1%
Benefits · $0/yr face value
Other (2)
  • Verizon Dollars No Expiration
  • Visa Signature Benefits

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

15 3% back
AAA Daily Advantage Visa

AAA Daily Advantage Visa

Bread Financial
Gas
3%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 5% 5%
Gas 3% 3%
Wholesale Clubs 3% 3%
Streaming 3% 3%
Drugstores 3% 3%
Everything else 1% 1%
16 3% back
Amex Blue Cash Everyday

Amex Blue Cash Everyday

American Express
Gas
3%
Annual fee
$0
Welcome bonus
$200
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
Retail Online 3% 3%
Everything else 1% 1%
Benefits · $264/yr face value
Credits (2)
  • $15 Monthly Home Chef Credit $180 /monthly
  • $7 Monthly Disney Bundle Credit $84 /monthly

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

17 3% back
Amex Blue Cash Preferred

Amex Blue Cash Preferred

American Express
Gas
3%
Annual fee
$95
Welcome bonus
$300
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 6% 6%
Streaming 6% 6%
Gas 3% 3%
Transit 3% 3%
Everything else 1% 1%
Benefits · $245/yr face value
Credits (1)
  • $10 Monthly Disney Bundle Credit $120 /monthly
Protections (4)
  • Car Rental Insurance $50 /yr
  • Purchase Protection $25 /yr
  • Extended Warranty $25 /yr
  • Return Protection $25 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

18 2x → ≈ 3% back
Atmos Rewards Ascent

Atmos Rewards Ascent

Bank of America
Gas
2x
Annual fee
$95
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Alaska 3x 4.5%
Hawaiian 3x 4.5%
Gas 2x 3%
EV Charging 2x 3%
Transit 2x 3%
Streaming 2x 3%
Internet / Cable / Phone 2x 3%
Everything else 1x 1.5%
Benefits · $350/yr face value
Credits (2)
  • Companion Fare $250 /yr
  • Alaska Lounge+ Membership Discount $100 /yr
Status & Elite Perks (4)
  • Priority Boarding
  • Elite Status Points Earning
  • Free First Checked Bag
  • 20% In-flight Savings

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

19 2x → ≈ 3% back
Atmos Rewards Visa Business

Atmos Rewards Visa Business

Bank of America
Gas
2x
Annual fee
$95
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Alaska 3x 4.5%
Hawaiian 3x 4.5%
Gas 2x 3%
EV Charging 2x 3%
Transit 2x 3%
Shipping 2x 3%
Everything else 1x 1.5%
Benefits · $350/yr face value
Credits (2)
  • Companion Fare $250 /yr
  • Alaska Lounge+ Membership Discount $100 /yr
Status & Elite Perks (4)
  • 20% In-flight Savings
  • Priority Boarding
  • Free First Checked Bag
  • Elite Status Points Earning

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

20 6x → ≈ 3% back
Barclays Wyndham Earner Plus

Barclays Wyndham Earner Plus

Barclays
Gas
6x
Annual fee
$75
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 6x 3%
Dining 4x 2%
Groceries 4x 2%
Everything else 1x 0.5%
Benefits · $350/yr face value
Credits (2)
  • Welcome Bonus $300
  • Anniversary Bonus $50 /yr
Status & Elite Perks (1)
  • Wyndham Rewards Platinum Status
Protections (1)
  • $0 Fraud Liability Protection
Other (3)
  • Earn Free Nights Faster
  • Cardmember Booking Discount
  • 0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

21 3% back
Chase Disney Inspire

Chase Disney Inspire

Chase
Gas
3%
Annual fee
$149
Welcome bonus
$300 Disney Gift Card + $300 statement credit
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 10% 10%
Disney 3% 3%
Gas 3% 3%
Groceries 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $420/yr face value
Credits (3)
  • $200 Disney Resort & Cruise Credit $200 /yr
  • $120 Disney Streaming Credit $120 /yr
  • $100 Theme Park Ticket Credit $100 /yr
Other (2)
  • Disney Merchandise & Dining Discount
  • Cardmember Character Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

22 3% back
Chase Disney Inspire Visa

Chase Disney Inspire Visa

Chase
Gas
3%
Annual fee
$149
Welcome bonus
$300 Disney Gift Card upon approval + $300 statement credit
Benefits
14
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 10% 10%
Gas 3% 3%
Disney 3% 3%
Groceries 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $835/yr face value
Credits (3)
  • Disney Resort & Cruise Anniversary Bonus $200 /yr
  • $10 Monthly Disney Streaming Credit $120 /monthly
  • Disney Theme Park Ticket Credit $100 /yr
Protections (3)
  • Purchase Protection $100 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection $50 /yr
Other (8)
  • Complimentary DashPass $120 /yr
  • Disney Guided Tours Discount $15 /yr
  • Disney Parks Merchandise Discount $10 /yr
  • Disney Dining Discount $10 /yr
  • Disney Store Discount $10 /yr
  • Disney Cardmember Photo Opportunities
  • Disney Vacation Financing
  • No Foreign Transaction Fees

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

23 5x → ≈ 3% back
Choice Privileges Select Mastercard

Choice Privileges Select Mastercard

Wells Fargo
Gas
5x
Annual fee
$95
Welcome bonus
60,000 bonus points
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Choice Hotels 10x 6%
Gas 5x 3%
Groceries 5x 3%
Home Improvement 5x 3%
Internet / Cable / Phone 5x 3%
EV Charging 5x 3%
Everything else 1x 0.6%
Benefits · $300/yr face value
Credits (2)
  • 30,000 Anniversary Bonus Points $180 /yr
  • $120 Global Entry or TSA PreCheck Fee Credit $120 /yr
Status & Elite Perks (1)
  • Choice Privileges Platinum Elite Status
Protections (1)
  • Cell Phone Protection

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

24 3% back
Citi Strata

Citi Strata

Citi
Gas
3%
Annual fee
$0
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
EV Charging 3% 3%
Transit 3% 3%
Dining 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • Mastercard ID Theft Protection
Other (1)
  • ThankYou Points Transfer

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

25 3% back
Citi Strata Premier

Citi Strata Premier

Citi
Gas
3%
Annual fee
$95
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Flights 3% 3%
Hotels 3% 3%
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 1% 1%
EV Charging 3x 0%
Benefits · $2,600/yr face value
Credits (1)
  • Annual Hotel Benefit $100 /yr
Protections (4)
  • Trip Cancellation/Interruption Insurance $1,000 /yr
  • Lost or Damaged Luggage Insurance $1,000 /yr
  • Trip Delay Insurance $500 /yr
  • MasterRental Coverage

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

26 3% back
HSBC Premier

HSBC Premier

HSBC
Gas
3%
Annual fee
$95
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 3% 3%
Groceries 3% 3%
Travel 2% 2%
Everything else 1% 1%
Benefits · $1,049/yr face value
Credits (5)
  • 50,000 Welcome Bonus Points $625
  • $10 Monthly Instacart+ Credit $140 /monthly
  • Global Entry/TSA PreCheck Credit $85 /yr
  • $5 Monthly TV Streaming Credit $60 /monthly
  • $5 Monthly Lyft Credit $60 /monthly
Status & Elite Perks (1)
  • ShopRunner Membership $79 /yr
Protections (3)
  • Cell Phone Protection
  • Purchase Assurance
  • Mastercard ID Theft Protection
Other (1)
  • Booking.com Discount

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

27 3% back
My Best Buy Visa

My Best Buy Visa

Citi
Gas
3%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Bestbuy 5% 5%
Gas 3% 3%
Dining 2% 2%
Groceries 2% 2%
Everything else 1% 1%
28 3% back
Navy Federal More Rewards Amex

Navy Federal More Rewards Amex

Navy Federal Credit Union
Gas
3%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3% 3%
Gas 3% 3%
Transit 3% 3%
Dining 3% 3%
Everything else 1% 1%
29 2x → ≈ 3% back
US Bank Altitude Go

US Bank Altitude Go

U.S. Bank
Gas
2x
Annual fee
$0
Welcome bonus
20,000 bonus points
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 4x 6%
Groceries 2x 3%
Streaming 2x 3%
Gas 2x 3%
EV Charging 2x 3%
Everything else 1x 1.5%
Benefits · $615/yr face value
Credits (1)
  • $15 Annual Streaming Credit $15 /yr
Protections (1)
  • Cell Phone Protection $600 /yr

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

30 3% back
US Bank Business Triple Cash Rewards Visa

US Bank Business Triple Cash Rewards Visa

U.S. Bank
Gas
3%
Annual fee
$0
Welcome bonus
$750 cash back
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 3% 3%
Office Supply 3% 3%
Internet / Cable / Phone 3% 3%
Dining 3% 3%
Everything else 1% 1%
Benefits · $250/yr face value
Credits (1)
  • $100 Annual Software Subscription Credit $100 /yr
Protections (2)
  • Cell Phone Protection $100 /yr
  • Purchase Protection $50 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

31 3% back
Venmo Credit Card

Venmo Credit Card

Synchrony Bank
Gas
3%
Annual fee
$0
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 1% 1%
Benefits · $145/yr face value
Protections (3)
  • Auto Rental Collision Damage Waiver $75 /yr
  • Cell Phone Protection $50 /yr
  • Lost Luggage Reimbursement $20 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

32 3% back
Wells Fargo Autograph Card

Wells Fargo Autograph Card

Wells Fargo
EV Charging
3%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
EV Charging 3% 3%
Gas 3% 3%
Travel 3% 3%
Internet / Cable / Phone 3% 3%
Transit 3% 3%
Dining 3% 3%
Streaming 3% 3%
Everything else 1% 1%
33 3% back
Wells Fargo One Key+ Card

Wells Fargo One Key+ Card

Wells Fargo
Gas
3%
Annual fee
$99
Welcome bonus
$350 in OneKeyCash
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 2% 2%
Benefits · $220/yr face value
Credits (2)
  • Global Entry/TSA PreCheck Credit $120
  • $100 Anniversary OneKeyCash Bonus $100 /yr
Status & Elite Perks (1)
  • One Key Gold Status
Protections (4)
  • Cell Phone Protection
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Interruption Insurance
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

34 3% back
Wells Fargo One Key+ Card

Wells Fargo One Key+ Card

Wells Fargo
Gas
3%
Annual fee
$99
Welcome bonus
$350 in OneKeyCash
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 3% 3%
Groceries 3% 3%
Gas 3% 3%
Everything else 2% 2%
Benefits · $220/yr face value
Credits (2)
  • Global Entry/TSA PreCheck Credit $120
  • $100 Anniversary OneKeyCash Bonus $100 /yr
Status & Elite Perks (1)
  • One Key Gold Status
Protections (4)
  • Cell Phone Protection
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Interruption Insurance
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

35 2x → ≈ 2.8% back
Amex EveryDay Preferred

Amex EveryDay Preferred

American Express
Gas
2x
Annual fee
$95
Benefits
2
All earn rates & benefits
Earn rates
CategoryRateTrue value
Groceries 3x 4.2%
Gas 2x 2.8%
Everything else 1x 1.4%
Benefits · $0/yr face value
Other (2)
  • 50% Points Bonus
  • 0% Intro APR

Redemption progress, reset dates and expiry alerts for all 2 benefits — track them automatically in the MaxWorth app →

36 4x → ≈ 2.8% back
Amex Marriott Business

Amex Marriott Business

American Express
Gas
4x
Annual fee
$125
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Dining 4x 2.8%
Gas 4x 2.8%
Internet / Cable / Phone 4x 2.8%
Shipping 4x 2.8%
Everything else 2x 1.4%
Benefits · $280/yr face value
Credits (3)
  • Free Night Award $140 /yr
  • Second Free Night Award ($60K Spend) $140 /yr
  • 7% Room Rate Discount
Status & Elite Perks (2)
  • Elite Night Credits
  • Marriott Bonvoy Gold Elite Status
Other (1)
  • Employee Card Benefits

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

37 2x → ≈ 2.8% back
Barclays Hawaiian

Barclays Hawaiian

Barclays
Gas
2x
Annual fee
$99
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hawaiian 3x 4.2%
Gas 2x 2.8%
Dining 2x 2.8%
Groceries 2x 2.8%
Everything else 1x 1.4%
Benefits · $420/yr face value
Credits (3)
  • One-time 50%-off Companion Discount $200
  • Two Free Checked Bags $120 /yr
  • $100 Annual Companion Discount $100 /yr
Other (2)
  • Share Miles
  • Miles Never Expire

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

38 2x → ≈ 2.8% back
Barclays Hawaiian Business

Barclays Hawaiian Business

Barclays
Gas
2x
Annual fee
$99
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hawaiian 3x 4.2%
Gas 2x 2.8%
Dining 2x 2.8%
Office Supply 2x 2.8%
Everything else 1x 1.4%
Benefits · $1,040/yr face value
Credits (3)
  • Anniversary Bonus Miles (40,000) $560 /yr
  • Anniversary Bonus Miles (20,000) $280 /yr
  • One-time 50%-off Companion Discount $200
Other (2)
  • Complimentary Employee Cards
  • Share Miles

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

39 4x → ≈ 2.8% back
Chase Marriott Bonvoy Business

Chase Marriott Bonvoy Business

Chase
Gas
4x
Annual fee
$125
Benefits
12
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Gas 4x 2.8%
Dining 4x 2.8%
Internet / Cable / Phone 4x 2.8%
Everything else 2x 1.4%
Benefits · $450/yr face value
Credits (3)
  • Second Free Night Award ($60K Spend) $200 /yr
  • Annual Free Night Award $200 /yr
  • 7% Room Rate Discount
Status & Elite Perks (3)
  • Marriott Bonvoy Gold Elite Status $50 /yr
  • Elite Night Credits from Spending
  • 15 Elite Night Credits
Protections (6)
  • Trip Delay Reimbursement
  • Auto Rental Coverage
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Purchase Protection
  • Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

40 2x → ≈ 2.6% back
Chase Southwest Performance Business

Chase Southwest Performance Business

Chase
Gas
2x
Annual fee
$299
Benefits
16
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 4x 5.2%
Gas 2x 2.6%
Dining 2x 2.6%
Transit 2x 2.6%
Hotels 2x 2.6%
Everything else 1x 1.3%
Benefits · $677/yr face value
Credits (9)
  • 10,000 Companion Pass Qualifying Points Boost $130 /yr
  • $120 Global Entry/TSA PreCheck Credit $120
  • $10 Monthly Instacart Credit $120 /monthly
  • $120 Complimentary DashPass $120 /yr
  • 9,000 Anniversary Points $117 /yr
  • $10 DoorDash Quarterly Credit $40 /quarterly
  • $30 Complimentary Instacart+ Membership $30 /yr
  • Inflight Purchase Discount
  • Tier Qualifying Points
Status & Elite Perks (2)
  • Free First Checked Bag
  • Preferred Seating & Priority Boarding
Protections (5)
  • Auto Rental Coverage
  • Purchase Protection
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

41 2x → ≈ 2.6% back
Chase Southwest Plus

Chase Southwest Plus

Chase
Gas
2x
Annual fee
$99
Benefits
12
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 2x 2.6%
Gas 2x 2.6%
Groceries 2x 2.6%
Everything else 1x 1.3%
Benefits · $353/yr face value
Credits (6)
  • Complimentary DashPass $144 /yr
  • Companion Pass Qualifying Points Boost $130 /yr
  • DoorDash Quarterly Discount $40 /quarterly
  • Anniversary Points $39 /yr
  • 10% Anniversary Promo Code
  • Inflight Purchase Discount
Status & Elite Perks (2)
  • Free First Checked Bag
  • Standard Seat Selection & Priority Boarding
Protections (4)
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Purchase Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

42 2x → ≈ 2.6% back
Chase Southwest Premier Business

Chase Southwest Premier Business

Chase
Gas
2x
Annual fee
$149
Benefits
11
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 3x 3.9%
Gas 2x 2.6%
Dining 2x 2.6%
Everything else 1x 1.3%
Benefits · $208/yr face value
Credits (5)
  • 10,000 Companion Pass Qualifying Points Boost $130 /yr
  • 6,000 Anniversary Points $78 /yr
  • Tier Qualifying Points
  • Inflight Purchase Discount
  • 15% Anniversary Promo Code
Status & Elite Perks (2)
  • Free First Checked Bag
  • Preferred Seat Selection & Priority Boarding
Protections (4)
  • Purchase Protection
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance

Redemption progress, reset dates and expiry alerts for all 11 benefits — track them automatically in the MaxWorth app →

43 2x → ≈ 2.6% back
Chase Southwest Priority

Chase Southwest Priority

Chase
Gas
2x
Annual fee
$229
Benefits
12
All earn rates & benefits
Earn rates
CategoryRateTrue value
Southwest 4x 5.2%
Gas 2x 2.6%
Dining 2x 2.6%
Everything else 1x 1.3%
Transit 1x 1.3%
Internet / Cable / Phone 1x 1.3%
Streaming 1x 1.3%
Benefits · $412/yr face value
Credits (6)
  • Complimentary DashPass $144 /yr
  • Companion Pass Qualifying Points Boost $130 /yr
  • Anniversary Points $97.50 /yr
  • DoorDash Quarterly Discount $40 /quarterly
  • Inflight Purchase Discount
  • Tier Qualifying Points
Status & Elite Perks (2)
  • Preferred Seating & Priority Boarding
  • Free First Checked Bag
Protections (4)
  • Lost Luggage Reimbursement
  • Baggage Delay Insurance
  • Extended Warranty Protection
  • Purchase Protection

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

44 2.6% back
Chase United Business

Chase United Business

Chase
Gas
2.6%
Annual fee
$150
Benefits
12
All earn rates & benefits
Earn rates
CategoryRateTrue value
United 2% 2.6%
Dining 2% 2.6%
Gas 2% 2.6%
Office Supply 2% 2.6%
Transit 2% 2.6%
Everything else 1% 1.3%
Benefits · $715/yr face value
Credits (7)
  • $125 United TravelBank Cash $125 /yr
  • $10 Monthly Instacart Credit $120 /monthly
  • $100 United Hotels Credits $100 /yr
  • $8 Monthly Ride-Hailing Credit $100 /monthly
  • $50 Avis/Budget Credits $50 /yr
  • Instacart+ Membership (3 months) $30 /yr
  • $25 FareLock Credit $25 /yr
Status & Elite Perks (3)
  • 2 United Club One-Time Passes $50 /yr
  • Free First Checked Bag $50 /yr
  • Priority Boarding
Other (2)
  • 5,000-Mile Anniversary Bonus $65 /yr
  • 25% Back on United Purchases

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

45 2x → ≈ 2.6% back
Chase United Gateway

Chase United Gateway

Chase
Gas
2x
Annual fee
$0
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
United 2x 2.6%
Gas 2x 2.6%
Transit 2x 2.6%
Everything else 1x 1.3%
Benefits · $0/yr face value
Status & Elite Perks (2)
  • 25% Back on United Inflight and Club Premium Drink Purchases
  • First 2 Checked Bags free
Protections (5)
  • Auto Rental Coverage
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation and Interruption Insurance
  • Visa Concierge Service

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

46 2x → ≈ 2.6% back
Citi / AAdvantage Business World Elite Mastercard

Citi / AAdvantage Business World Elite Mastercard

Citi
Gas
2x
Annual fee
$99
Welcome bonus
Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
American 2x 2.6%
Gas 2x 2.6%
Car Rental 2x 2.6%
Internet / Cable / Phone 2x 2.6%
Everything else 1x 1.3%
Benefits · $405/yr face value
Credits (1)
  • Companion Certificate $300 /yr
Other (3)
  • First Checked Bag Free $80 /yr
  • 25% Inflight Savings $25 /yr
  • Preferred Boarding

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

47 5x → ≈ 2.5% back
Barclays Wyndham Earner

Barclays Wyndham Earner

Barclays
Gas
5x
Annual fee
$0
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 5x 2.5%
Dining 2x 1%
Groceries 2x 1%
Everything else 1x 0.5%
Benefits · $250/yr face value
Credits (2)
  • Welcome Bonus $200
  • Anniversary Bonus $50 /yr
Status & Elite Perks (1)
  • Wyndham Rewards Gold Status
Protections (1)
  • $0 Fraud Liability Protection
Other (3)
  • Earn Free Nights Faster
  • Cardmember Booking Discount
  • 0% Intro APR Balance Transfers

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

48 5x → ≈ 2.5% back
Chase IHG Business

Chase IHG Business

Chase
Gas
5x
Annual fee
$99
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
IHG 10x 5%
Travel 5x 2.5%
Dining 5x 2.5%
Advertising 5x 2.5%
Office Supply 5x 2.5%
Gas 5x 2.5%
Everything else 3x 1.5%
Benefits · $620/yr face value
Credits (5)
  • Additional Free Night $200 /yr
  • Anniversary Free Night $200 /yr
  • Global Entry/TSA PreCheck Credit $120 /yr
  • Annual Spending Bonus $100 /yr
  • Fourth Night Free
Status & Elite Perks (2)
  • Automatic Platinum Elite Status
  • Diamond Elite Status Qualification
Protections (2)
  • Purchase Protection
  • Trip Cancellation Insurance
Other (1)
  • Points Purchase Discount

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

49 5x → ≈ 2.5% back
Chase IHG Premier

Chase IHG Premier

Chase
Gas
5x
Annual fee
$99
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
IHG 10x 5%
Travel 5x 2.5%
Dining 5x 2.5%
Gas 5x 2.5%
Everything else 3x 1.5%
Benefits · $820/yr face value
Status & Elite Perks (4)
  • Diamond Elite Status $200 /yr
  • Anniversary Free Night $200 /yr
  • Platinum Elite Status $150 /yr
  • 4th Reward Night Free $100 /yr
Other (2)
  • Global Entry Credit $120 /yr
  • United TravelBank Cash $50 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

50 2x → ≈ 2.5% back
Chase Ink Business Cash Full review →

Chase Ink Business Cash

Chase
Gas
2x
Annual fee
$0
Welcome bonus
100,000 UR Points
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Office Supply 5x 6.25%
Internet / Cable / Phone 5x 6.25%
Gas 2x 2.5%
Dining 2x 2.5%
Everything else 1x 1.25%
Benefits · $2,365/yr face value
Credits (2)
  • $20 Monthly Instacart Credit $240 /monthly
  • Instacart+ Membership (3 Months) $25
Protections (4)
  • Cell Phone Protection $1,200 /yr
  • Extended Warranty Protection $500 /yr
  • Travel Benefits $300 /yr
  • Purchase Protection $100 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

51 6x → ≈ 2.4% back
Amex Hilton Surpass

Amex Hilton Surpass

American Express
Gas
6x
Annual fee
$150
Welcome bonus
130,000 Hilton Points + 1 Free Night
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hilton 12x 4.8%
Dining 6x 2.4%
Groceries 6x 2.4%
Gas 6x 2.4%
Everything else 3x 1.2%
Retail Online 4x 0%
Benefits · $201/yr face value
Credits (1)
  • $200 Hilton Credit $200 /quarterly
Status & Elite Perks (4)
  • Free Night Reward after $15,000 spend $1 /yr
  • Hilton Honors Diamond Status after $40,000 spend
  • National Emerald Club Executive Status
  • Hilton Honors Gold Status

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

52 3x → ≈ 2.1% back
Chase Marriott Bonvoy Boundless

Chase Marriott Bonvoy Boundless

Chase
Gas
3x
Annual fee
$95
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Marriott 6x 4.2%
Dining 3x 2.1%
Groceries 3x 2.1%
Gas 3x 2.1%
Everything else 2x 1.4%
Benefits · $420/yr face value
Credits (2)
  • Annual Free Night Award $200 /yr
  • DoorDash Quarterly Credit $40 /quarterly
Status & Elite Perks (4)
  • 15 Elite Night Credits $35 /yr
  • Automatic Silver Elite Status $25 /yr
  • Path to Gold Status
  • Elite Night Credits from Spending
Other (1)
  • Complimentary DashPass $120 /yr

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

53 2% back
Alaska Airlines Visa Signature

Alaska Airlines Visa Signature

Bank of America
Gas
2%
Annual fee
$95
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Alaska 3% 3%
Gas 2% 2%
Streaming 2% 2%
Transit 2% 2%
Everything else 1% 1%
Benefits · $300/yr face value
Credits (1)
  • Alaska Companion Fare $300 /yr
Status & Elite Perks (2)
  • First Checked Bag Free
  • Priority Boarding

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

54 2% back
Amazon Business Prime Card

Amazon Business Prime Card

American Express
Gas
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 5% 5%
Whole Foods 5% 5%
Dining 2% 2%
Gas 2% 2%
Internet / Cable / Phone 2% 2%
Everything else 1% 1%
55 5x → ≈ 2% back
Amex Hilton Express

Amex Hilton Express

American Express
Gas
5x
Annual fee
$0
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Hilton 7x 2.8%
Groceries 5x 2%
Dining 5x 2%
Gas 5x 2%
Everything else 3x 1.2%
Benefits · $10/yr face value
Status & Elite Perks (1)
  • Hilton Honors Silver Status $10 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

56 2% back
Chase Amazon Visa

Chase Amazon Visa

Chase
Gas
2%
Annual fee
$0
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 3% 3%
Whole Foods 3% 3%
Gas 2% 2%
Transit 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $503,600/yr face value
Protections (7)
  • Travel Accident Insurance $500,000 /yr
  • Lost Luggage Reimbursement $3,000 /yr
  • Purchase Protection $500 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Zero Liability Protection
Other (1)
  • Contactless Payment

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

57 2% back
Chase Disney Premier Visa Card

Chase Disney Premier Visa Card

Chase
Gas
2%
Annual fee
$49
Benefits
13
All earn rates & benefits
Earn rates
CategoryRateTrue value
Disney Streaming 5% 5%
Gas 2% 2%
Groceries 2% 2%
Dining 2% 2%
Disney 2% 2%
Everything else 1% 1%
Benefits · $775/yr face value
Protections (3)
  • Purchase Protection $500 /yr
  • Baggage Delay Insurance $100 /yr
  • Extended Warranty Protection
Other (10)
  • Complimentary DashPass $120 /yr
  • Disney Guided Tours Discount $15 /yr
  • Disney Cruise Merchandise Discount $10 /yr
  • Disney Dining Discount $10 /yr
  • Disney Parks Merchandise Discount $10 /yr
  • Disney Store Discount $10 /yr
  • Pay Yourself Back - Airlines
  • Disney Vacation Financing
  • No Foreign Transaction Fees
  • Disney Cardmember Photo Opportunities

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

58 2% back
Chase Prime Visa

Chase Prime Visa

Chase
Gas
2%
Annual fee
$0
Welcome bonus
$150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval
Benefits
8
All earn rates & benefits
Earn rates
CategoryRateTrue value
Amazon 5% 5%
Whole Foods 5% 5%
Dining 2% 2%
Gas 2% 2%
Transit 2% 2%
Everything else 1% 1%
Benefits · $200/yr face value
Status & Elite Perks (1)
  • Roadside Assistance
Protections (7)
  • Baggage Delay Insurance $100 /yr
  • Purchase Protection $50 /yr
  • Lost Luggage Reimbursement $50 /yr
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Travel Accident Insurance
  • Zero Liability Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

59 2% back
Citi AA Platinum Select

Citi AA Platinum Select

Citi
Gas
2%
Annual fee
$99
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
American 2% 2%
Dining 2% 2%
Gas 2% 2%
Everything else 1% 1%
Benefits · $245/yr face value
Credits (4)
  • American Airlines Flight Discount $125 /yr
  • First Checked Bag Free $120 /yr
  • Inflight Food Beverage Discount
  • American Airlines Vacations Discount
Status & Elite Perks (1)
  • Preferred Boarding

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

60 2% back
Discover it Chrome

Discover it Chrome

Discover
Gas
2%
Annual fee
$0
Benefits
4
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Unlimited Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (2)
  • Online Privacy Protection
  • Free FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 4 benefits — track them automatically in the MaxWorth app →

61 2% back
Discover it Secured

Discover it Secured

Discover
Gas
2%
Annual fee
$0
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (4)
  • Free FICO Credit Score
  • Free Social Security Number Alerts
  • Freeze it Feature
  • Online Privacy Protection

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

62 2% back
Discover it Student Chrome

Discover it Student Chrome

Discover
Gas
2%
Annual fee
$0
Benefits
6
All earn rates & benefits
Earn rates
CategoryRateTrue value
Gas 2% 2%
Dining 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Credits (1)
  • Unlimited Cashback Match
Protections (1)
  • $0 Fraud Liability Guarantee
Other (4)
  • Free FICO Credit Score
  • Freeze it On/Off Switch
  • Online Privacy Protection
  • Free Social Security Number Alerts

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

63 2% back
Instacart Mastercard

Instacart Mastercard

Chase
Gas
2%
Annual fee
$0
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Instacart 5% 5%
Dining 2% 2%
Gas 2% 2%
Streaming 2% 2%
Everything else 1% 1%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • World Elite Concierge
Protections (4)
  • Purchase Protection
  • Extended Warranty Protection
  • Auto Rental Coverage
  • Travel Accident Insurance

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

64 2% back
Macy's American Express Card

Macy's American Express Card

Citi
Gas
2%
Annual fee
$0
All earn rates & benefits
Earn rates
CategoryRateTrue value
Macys 5% 5%
Dining 3% 3%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
65 2% back
MGM Rewards Iconic World Elite

MGM Rewards Iconic World Elite

First National Bank of Omaha
Gas
2%
Annual fee
$249
Benefits
5
All earn rates & benefits
Earn rates
CategoryRateTrue value
Mgm Resorts 6% 6%
Hotels 2% 2%
Dining 2% 2%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $430/yr face value
Credits (2)
  • $200 Annual Resort Credit $200 /yr
  • Global Entry/TSA PreCheck Credit $30
Status & Elite Perks (2)
  • MGM Pearl Elite Status $50 /yr
  • Priority Pass Membership $50 /yr
Protections (1)
  • Trip Cancellation & Delay Insurance $100 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

66 2% back
MGM Rewards World Elite

MGM Rewards World Elite

First National Bank of Omaha
Gas
2%
Annual fee
$0
Welcome bonus
Earn 10,000 MGM Rewards bonus points
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Mgm Resorts 3% 3%
Gas 2% 2%
Groceries 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Status & Elite Perks (1)
  • MGM Pearl Elite Status $50 /yr

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

67 2% back
Nordstrom Visa Credit Card

Nordstrom Visa Credit Card

TD Bank USA
Gas
2%
Annual fee
$0
Welcome bonus
$40 Bonus Note when you use your card the day you are approved
Benefits
7
All earn rates & benefits
Earn rates
CategoryRateTrue value
Nordstrom 2% 2%
Dining 2% 2%
Groceries 2% 2%
Gas 2% 2%
EV Charging 2% 2%
Streaming 2% 2%
Everything else 1% 1%
Benefits · $230/yr face value
Status & Elite Perks (1)
  • Anniversary Sale Early Access $100 /yr
Protections (4)
  • Extended Warranty Protection $25 /yr
  • Purchase Security $25 /yr
  • Lost or Damaged Luggage Insurance $25 /yr
  • Travel Accident Insurance $5 /yr
Other (2)
  • Complimentary Alterations $50 /yr
  • 5% Off at Nordstrom Rack

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

68 2% back
Target Circle Card Mastercard

Target Circle Card Mastercard

TD Bank USA
Gas
2%
Annual fee
$0
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
Target 5% 5%
Dining 2% 2%
Gas 2% 2%
Everything else 1% 1%
Benefits · $50/yr face value
Status & Elite Perks (1)
  • Free 2-Day Shipping $50 /yr
Other (2)
  • 30-Day Extended Returns
  • 5% Off In-Store Starbucks

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

69 3x → ≈ 1.8% back
Choice Privileges Mastercard

Choice Privileges Mastercard

Wells Fargo
Gas
3x
Annual fee
$0
Welcome bonus
60,000 bonus points
Benefits
1
All earn rates & benefits
Earn rates
CategoryRateTrue value
Choice Hotels 5x 3%
Gas 3x 1.8%
Groceries 3x 1.8%
Home Improvement 3x 1.8%
Internet / Cable / Phone 3x 1.8%
Everything else 1x 0.6%
Benefits · $0/yr face value
Status & Elite Perks (1)
  • Choice Privileges Gold Status

Redemption progress, reset dates and expiry alerts for all 1 benefits — track them automatically in the MaxWorth app →

70 3x → ≈ 1.5% back
Chase IHG Traveler

Chase IHG Traveler

Chase
Gas
3x
Annual fee
$0
Benefits
10
All earn rates & benefits
Earn rates
CategoryRateTrue value
IHG 5x 2.5%
Dining 3x 1.5%
Gas 3x 1.5%
Internet / Cable / Phone 3x 1.5%
Streaming 3x 1.5%
Everything else 2x 1%
Benefits · $23,800/yr face value
Credits (2)
  • Annual Spend Bonus $10,000 /yr
  • Redeem 3 Nights Get 4th Free
Status & Elite Perks (2)
  • Automatic Silver Elite Status
  • Gold Elite Status Upgrade
Protections (4)
  • Trip Cancellation and Interruption Insurance $10,000 /yr
  • Lost Luggage Reimbursement $3,000 /yr
  • Purchase Protection $500 /yr
  • Baggage Delay Insurance $300 /yr
Other (2)
  • Points Purchase Discount
  • Early Access Reward Night Sales

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

71 1x → ≈ 1.4% back
Amex Schwab Platinum

Amex Schwab Platinum

American Express
Gas
1x
Annual fee
$895
Welcome bonus
80,000 Membership Rewards Points
Benefits
19
All earn rates & benefits
Earn rates
CategoryRateTrue value
Dining 1x 1.4%
Groceries 1x 1.4%
Gas 1x 1.4%
Everything else 1x 1.4%
Benefits · $5,004/yr face value
Credits (14)
  • Schwab Appreciation Bonus ($10M+) $1,000 /yr
  • $600 Hotel Credit $600 /semi-annual
  • $400 Resy Credit $400 /quarterly
  • $25 Monthly Digital Entertainment Credit $300 /monthly
  • $300 Lululemon Credit $300 /quarterly
  • $300 Equinox Credit $300 /yr
  • $189 CLEAR Plus Credit $209 /yr
  • Schwab Appreciation Bonus ($1M-$10M) $200 /yr
  • $200 Airline Fee Credit $200 /yr
  • $200 Oura Ring Credit $200 /yr
  • $15 Monthly Uber Credit $200 /monthly
  • $12.95 Monthly Walmart+ Credit $155 /monthly
  • $120 Global Entry/TSA PreCheck Credit $120 /yr
  • Schwab Appreciation Bonus ($250K-$1M) $100 /yr
Status & Elite Perks (5)
  • Centurion Lounge Access $500 /yr
  • $120 Uber One Credit $120 /yr
  • Hilton Honors Gold Status $50 /yr
  • Marriott Bonvoy Gold Elite Status $50 /yr
  • 1.1cpp Schwab Redemption

Redemption progress, reset dates and expiry alerts for all 19 benefits — track them automatically in the MaxWorth app →

72 2x → ≈ 1% back
Chase IHG Select

Chase IHG Select

Chase
Gas
2x
Annual fee
$49
Benefits
3
All earn rates & benefits
Earn rates
CategoryRateTrue value
IHG 5x 2.5%
Dining 2x 1%
Gas 2x 1%
Groceries 2x 1%
Everything else 1x 0.5%
Benefits · $400/yr face value
Credits (2)
  • Anniversary Free Night Certificate $200 /yr
  • 10% Point Rebate on Redemptions $50 /yr
Status & Elite Perks (1)
  • Platinum Elite Status $150 /yr

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

Does warehouse club gas count?

Costco and Sam’s Club pumps usually code as warehouse, not gas stations — check your card’s terms before filling up there.

Do Tesla Superchargers count as EV charging?

Coding has been inconsistent across issuers. Standalone networks like Electrify America and EVgo are the safest bet for the EV category.