Best Card by Spending Category
Use this table to identify the top-earning card for every type of purchase. Pair two or three cards together to maximize your overall return.
| Spending Category | Best Card | Rate | Runner-Up | Rate |
|---|
Rates reflect the current earn rates in our card database and update automatically as card offers change.
Card Stack Strategy
No single card wins everywhere. The best rewards earners pair two or three cards to cover every category. Choose your stack based on your lifestyle and tolerance for annual fees.
The Beginner Stack
Zero annual fees and solid coverage across all categories. Perfect for getting started without commitment.
- Citi Double Cash® — 2% on everything, no activation needed
- Discover it® Cash Back — 5% on rotating quarterly categories (gas, groceries, Amazon)
The Optimizer Stack
Maximizes rewards across dining, groceries, travel, and everything else. Strong net value for most households.
- Amex Gold Card — 4× dining & U.S. supermarkets
- Chase Sapphire Preferred® — 3× travel & international
- Citi Double Cash® — 2% catch-all for everything else
The Premium Stack
Best for frequent travelers who can fully utilize the credits and perks on each card. High ceiling, high commitment.
- Amex Platinum — lounge access, travel credits, 5× airfare
- Amex Gold Card — 4× dining & groceries
- Chase Sapphire Reserve — 3× travel & dining, $300 travel credit