Points Frog guide
The best credit cards by spending category
The best credit card for dining is the Amex Gold Card: 4x Membership Rewards points at restaurants on up to $50,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee. The best credit card for groceries is the Amex Gold Card: 4x Membership Rewards points at supermarkets on up to $25,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee. The best credit card for everyday spending is the Capital One Venture: 2x Capital One miles on everyday purchases outside bonus categories (3.6¢ back per dollar at 1.8¢ a point), with a $95 annual fee.
Card terms checked
- DiningAmex Gold Card8.4¢ per $1Then Chase Sapphire Preferred
- GroceriesAmex Gold Card8.4¢ per $1Then Amex Blue Cash Preferred
- FlightsAmex Platinum Card10.5¢ per $1Then Chase Sapphire Reserve
- HotelsChase Sapphire Reserve8¢ per $1Then Citi Strata Premier
- GasChase Sapphire Preferred6¢ per $1Then Citi Strata Premier
- StreamingAmex Blue Cash Preferred6¢ per $1Then Chase Sapphire Preferred
- Everything elseCapital One Venture3.6¢ per $1Then Capital One Venture X
- No annual feeCiti Double Cash2.45¢ per $1Then Wells Fargo Active Cash
Quick answers
What is the best credit card for dining?
The best credit card for dining as of October 18, 2026 is the Amex Gold Card: 4x Membership Rewards points at restaurants on up to $50,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee.
What is the best credit card for groceries?
The best credit card for groceries as of October 18, 2026 is the Amex Gold Card: 4x Membership Rewards points at supermarkets on up to $25,000 a year, then 1x (8.4¢ back per dollar at 2.1¢ a point), with a $325 annual fee.
What is the best credit card for flights?
The best credit card for flights as of October 18, 2026 is the Amex Platinum Card: 5x Membership Rewards points on flights booked with the airline on up to $500,000 a year, then 1x (10.5¢ back per dollar at 2.1¢ a point), with a $895 annual fee.
What is the best credit card for hotels?
The best credit card for hotels as of October 18, 2026 is the Chase Sapphire Reserve: 4x Ultimate Rewards points on hotels booked directly (8¢ back per dollar at 2¢ a point), with a $795 annual fee.
What is the best credit card for gas?
The best credit card for gas as of October 18, 2026 is the Chase Sapphire Preferred: 3x Ultimate Rewards points at gas stations (6¢ back per dollar at 2¢ a point), with a $95 annual fee.
What is the best credit card for streaming?
The best credit card for streaming as of October 18, 2026 is the Amex Blue Cash Preferred: 6% cash back on streaming subscriptions, with a $95 annual fee.
Ranked by cents back per dollar, from each issuer's card page and Points Frog's point values. Find the best card for your own spending.