Ranked by net value
Best credit cards by category
For each category we run a realistic spending profile through our calculator and name one winner by net annual value — after fees, counted so a card's credits only count where you'd actually use them. Each guide also flags the cap or catch most lists skip.
Best for grocery
American Express Gold
$582/yr · 4x on grocery
See the full rankingBest for dining
American Express Gold
$843/yr · 4x on dining
See the full ranking
Best for gas
Chase Sapphire Preferred
$375/yr · 3x on gas
See the full ranking
Best for travel
American Express® Green Card
$766/yr · 3x on travel
See the full rankingBest for flights
American Express® Green Card
$794/yr · 3x on flights
See the full rankingBest for hotels
American Express® Green Card
$785/yr · 3x on hotels
See the full rankingSpend across several categories? Skip the guesswork — rank all 75 cards for your exact wallet.
Run your numbers