BEST CREDIT CARD CATEGORY BONUSES

If you are looking to maximize your earning thorough using the best credit card with the highest point earnings then you’ll want to review this list of the top credit card category bonuses.  Using the right card in each store is critical to maximizing your earning.

Then find the credit card that’s right for you here

Office Supply Stores

  • Chase Ink Bold: 5X, up to $50K per year in spend
  • Chase Ink Plus: 5X, up to $50K per year in spend
  • Chase Ink Classic: 5X, up to $25K per year in spend
  • Chase Ink Cash: 5X, up to $25K per year in spend
  • Lowe’s Business Rewards: 3X
  • American Express SimplyCash: 5%, up to $12K per year in spend
  • CitiBusiness AAdvantage World Mastercard: 2X
  • Chase MileagePlus Explorer Card for Business: 2X
  • Club Carlson Rewards Visa: 5x

Drug Stores

  • American Express Hilton HHonors: 6X
  • American Express Hilton HHonors Surpass: 6X
  • US Bank Cash+: 2%*
  • Chase Amazon.com Rewards: 2X
  • Club Carlson Rewards Visa: 5x

Grocery Stores

  • American Express Blue Cash Preferred: 6%, up to $6K per year in spend
  • SallieMae World MasterCard: 5%, up to $250 per month in spend
  • PenFed Platinum Rewards: 3X
  • American Express Hilton HHonors: 6X
  • American Express Hilton HHonors Surpass: 6X
  • US Bank FlexPerks Travel Rewards: 2X***
  • American Express Premier Rewards Gold: 2X
  • US Bank Cash+: 2%*
  • BOA BankAmericard Cash Rewards: 2%, up to $1500 per quarter****
  • Chase Disney’s Premier: 2%
  • Club Carlson Rewards Visa: 5x

Department Stores

  • US Bank Cash+: 5%*
  • American Express Blue Cash Preferred: 3%
  • Club Carlson Rewards Visa: 5x

Gas Stations

  • Fort Knox Federal Credit Union Visa Platinum: 5%
  • PenFed Platinum Rewards: 5X
  • SallieMae World MasterCard: 5%, up to $250 per month in spend
  • True Earnings Business Card from Costco and American Express: 4%, up to $7K per year in spend
  • American Express Blue Cash Preferred: 3%
  • American Express Hilton HHonors: 6X
  • American Express Hilton HHonors Surpass: 6X
  • BOA Bank Americard Cash Rewards: 3%, up to $1500 per quarter in spend****
  • US Bank FlexPerks Travel Rewards: 2X***
  • Chase Ink Bold: 2X, up to $50K per year in spend
  • Chase Ink Plus: 2X, up to $50K per year in spend
  • Chase Ink Classic: 2X, up to $25K per year in spend
  • Chase Ink Cash: 2X, up to $25K per year in spend
  • Chase Sapphire Preferred: 2x
  • Chase MileagePlus Explorer Card for Business: 2X
  • American Express Premier Rewards Gold: 2X
  • American Express Business Gold Rewards: 2X
  • US Bank Cash+: 2%*
  • Chase Amazon.com Rewards: 2X
  • Chase Disney’s Premier: 2%
  • Club Carlson Rewards Visa: 5x

Restaurants

  • US Bank Cash+: 5% cash back.*
  • Citi Forward: 5X
  • Chase Sapphire Preferred: 2X**
  • Lowe’s Business Rewards: 3X
  • Chase Sapphire: 2X
  • Chase Ink Cash: 2X
  • Chase MileagePlus Explorer Card for Business: 2X
  • Chase Hyatt Visa Signature: 2X
  • True Earnings Business Card from Costco and American Express:2%
  • Chase Amazon.com Rewards: 2X
  • Chase Disney’s Premier: 2%
  • Chase Marriott Rewards Premier: 2X
  • Club Carlson Rewards Visa: 5x

Hotels

  • US Bank Cash+: 5%*
  • Chase Sapphire Preferred: 2X**
  • Chase Ink Bold: 2X, up to $50K per year in spend
  • Chase Ink Plus: 2X, up to $50K per year in spend
  • Chase Ink Classic: 2X, up to $25K per year in spend
  • Club Carlson Rewards Visa: 5x – 10x Club Carlson Properties

Airlines / Travel

  • US Bank Cash+: 5%*
  • PenFed Premium Travel Rewards: 5X
  • American Express Premier Rewards Gold: 3X
  • American Express Business Gold Rewards: 3X
  • Chase AARP Visa: 3%
  • US Bank FlexPerks Travel Rewards: 2X***
  • Chase Sapphire Preferred: 2X**
  • Chase Hyatt Visa Signature: 2X
  • Citi Hilton HHonors Reserve: 5X
  • True Earnings Business Card from Costco and American Express: 2%
  • Chase Marriott Rewards Premier: 2X
  • Club Carlson Rewards Visa: 5x 

Car Rental

  • US Bank Cash+: 5%*
  • CitiBusiness AAdvantage World Mastercard: 2X
  • Chase AARP Visa: 3%
  • Chase Sapphire Preferred: 2X**
  • Chase Hyatt Visa Signature: 2X
  • Citi Hilton HHonors Reserve: 5X
  • Chase Marriott Rewards Premier: 2X
  • Club Carlson Rewards Visa: 5x 

Phone, Cellular, Internet

  • Chase Ink Bold: 5X, up to $50K per year in spend
  • Chase Ink Plus: 5X, up to $50K per year in spend
  • Chase Ink Classic: 5X, up to $25K per year in spend
  • Chase Ink Cash: 5X, up to $25K per year in spend
  • US Bank Cash+: 5% cash back (bill pay category).*
  • American Express Hilton HHonors: 6X
  • American Express Hilton HHonors Surpass: 6X
  • CitiBusiness AAdvantage World Mastercard: 2X
  • Lowe’s Business Rewards: 3X
  • US Bank FlexPerks Travel Rewards: 2X
  • Club Carlson Rewards Visa: 5x 

Books (Including Amazon and Barnes & Noble)

  • Citi Forward: 5X
  • SallieMae World MasterCard: 5%, up to $750 per month in spend
  • Chase Amazon.com Rewards: 3X (Amazon.com only)
  • Club Carlson Rewards Visa: 5x 

Rotating Categories

  • Chase Freedom: 5X, up to $1500 per quarter in spend
  • Discover it: 5%, up to $1500 per quarter in spend
  • Citi Dividend Platinum Select: 5%, up to $300 cash back per year

 

* US Bank Cash+ Cardholders must pick one 2% cash back category and two 5% categories each quarter.  Also note that, thanks to bonus rewards, 5% cash back becomes 6.25%, and 2% cash back becomes 2.5%.

** Chase Sapphire Preferred cardholders earn a 7% annual dividend so “2X” really becomes 2.14X at the end of the year.

*** US Bank FlexPerks Travel Rewards earns 2X at either airlines, grocery stores, or gas stations, whichever is highest in spend each month.

**** Get an extra 10% bonus when redeeming cash rewards to an eligible BOA checking or savings account.  e.g. 1% rewards become 1.1%.

*SOURCE: Special thanks to Frequent Miler for compiling this extensive list

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