What your cards earn.

• 4x points on dining, on up to $50,000 in purchases a year, then 1x points (restaurants worldwide)
• 4x points on groceries, on up to $25,000 in purchases a year, then 1x points (U.S. supermarkets)
• 5x points on hotels through the issuer's travel site (prepaid hotels via AmexTravel)
• 3x points on flights (direct with airlines or AmexTravel)
• 2x points on travel through the issuer's travel site (prepaid car rentals and cruises via AmexTravel)
• 1x points on everything else

As of October 21, 2026 from americanexpress.com

• 5x points on flights, on up to $500,000 in purchases a year, then 1x points (direct with airlines or Amex Travel)
• 5x points on hotels through the issuer's travel site (prepaid hotels on Amex Travel)
• 1x points on everything else

As of October 21, 2026 from americanexpress.com

• 6% back on groceries, on up to $6,000 in purchases a year, then 1% (U.S. supermarkets)
• 6% back on streaming (select U.S. streaming)
• 3% back on transit
• 3% back on gas (U.S. gas stations)
• 1% back on everything else

$0 intro annual fee first year, then $95. 2.7% foreign transaction fee.

As of October 21, 2026 from americanexpress.com

• 3% back on groceries, on up to $6,000 in purchases a year, then 1% (U.S. supermarkets)
• 3% back on online shopping, on up to $6,000 in purchases a year, then 1% (U.S. online retail)
• 3% back on gas, on up to $6,000 in purchases a year, then 1% (U.S. gas stations)
• 1% back on everything else

Each 3% category has its own $6,000 yearly cap.

As of October 21, 2026 from americanexpress.com

• 6% back on a category you choose, on up to $2,500 in purchases a quarter (shared), then 1% (one chosen category: gas/EV, online shopping, dining, travel, drugstores, home improvement. 6% is the first-year rate)
• 2% back on groceries, on up to $2,500 in purchases a quarter (shared), then 1% (grocery stores and wholesale clubs)
• 1% back on everything else

6% and 2% share a $2,500 combined quarterly cap.

As of October 21, 2026 from bankofamerica.com

• 1.5% back on everything else

As of October 21, 2026 from bankofamerica.com

• 10x miles on hotels through the issuer's travel site (hotels and rental cars via Capital One Travel)
• 5x miles on flights through the issuer's travel site (flights and vacation rentals via Capital One Travel)
• 5x miles on entertainment through the issuer's travel site (Capital One Entertainment)
• 2x miles on everything else

As of October 21, 2026 from capitalone.com

• 5x miles on hotels through the issuer's travel site (hotels, vacation rentals, rental cars via Capital One Travel)
• 5x miles on entertainment through the issuer's travel site (Capital One Entertainment)
• 2x miles on everything else

As of October 21, 2026 from capitalone.com

• 1.5% back on everything else

As of October 21, 2026 from capitalone.com

• 5% back on hotels through the issuer's travel site (hotels, vacation rentals, rental cars via Capital One Travel)
• 3% back on groceries (excludes superstores like Walmart and Target)
• 3% back on dining
• 3% back on entertainment
• 3% back on streaming
• 1% back on everything else

As of October 21, 2026 from capitalone.com

• 5x points on travel booked through the issuer (Chase Travel)
• 3x points on dining (restaurants incl. takeout and eligible delivery)
• 3x points on gas (gas stations, EV charging, vacation homes at top brands)
• 3x points on streaming
• 3x points on online groceries (excludes Target, Walmart, wholesale clubs)
• 2x points on travel (other travel)
• 1x points on everything else

As of October 21, 2026 from creditcards.chase.com

• 8x points on travel booked through the issuer (Chase Travel incl. The Edit)
• 4x points on flights booked directly
• 4x points on hotels booked directly
• 3x points on dining
• 1x points on everything else

Purchases covered by the travel or Edit credits earn no points.

As of October 21, 2026 from creditcards.chase.com

• 5x points on travel booked through the issuer
• 3x points on dining
• 3x points on drugstores
• 1.5x points on everything else

Lyft 2% through 2027-09-30. Earns Chase UR points shown as cash back; combinable with Sapphire.

As of October 21, 2026 from creditcards.chase.com

• 5x points on rotating quarterly categories, on up to $1,500 in purchases a quarter, then 1x points (activate each quarter)
• 5x points on travel booked through the issuer
• 3x points on dining
• 3x points on drugstores
• 1x points on everything else

As of October 21, 2026 from creditcards.chase.com

• 5% back on Amazon (Amazon.com, Audible, Whole Foods; needs eligible Prime membership)
• 5% back on travel booked through the issuer
• 2% back on gas
• 2% back on dining
• 2% back on transit (local transit and commuting incl. rideshare)
• 1% back on everything else

Whole Foods counts as Amazon here, not generic groceries.

As of October 21, 2026 from creditcards.chase.com

• 5x points on hotels through the issuer's travel site (hotels, car rentals, attractions via Citi Travel)
• 2x points on everything else (1% on purchase + 1% on payment)

Half of the 2% is earned when you pay. Earned as ThankYou points.

As of October 21, 2026 from citi.com

• 5x points on your top spending category, on up to $500 in purchases a billing cycle, then 1x points (auto: your highest eligible category each cycle (restaurants, gas, grocery, select travel, transit, streaming, drugstores, home improvement, fitness, live entertainment))
• 5x points on hotels through the issuer's travel site
• 1x points on everything else

Closed to new applications 2026-05-28; existing accounts unchanged.

As of October 21, 2026 from citi.com , frequentmiler.com

• 10x points on hotels through the issuer's travel site (hotels, car rentals, attractions on cititravel.com)
• 3x points on flights (air travel and other hotels)
• 3x points on dining
• 3x points on groceries (supermarkets)
• 3x points on gas (gas and EV charging)
• 1x points on everything else

As of October 21, 2026 from citi.com

• 5% back on Costco Gas, on up to $7,000 in purchases a year (shared), then 1% (gas at Costco; shares $7,000 cap with other gas)
• 4% back on gas, on up to $7,000 in purchases a year (shared), then 1% (other gas and EV charging)
• 3% back on dining
• 3% back on travel (incl. Costco Travel)
• 2% back on Costco
• 1% back on everything else

No annual fee with paid Costco membership. Reward paid once a year as a certificate usable at Costco.

As of October 21, 2026 from citi.com

• 5% back on rotating quarterly categories, on up to $1,500 in purchases a quarter, then 1% (activate each quarter)
• 1% back on everything else

First-year Cashback Match doubles all rewards for new cardmembers.

As of October 21, 2026 from discover.com

• 3% back on Apple
• 3% back on select merchants with Apple Pay (select merchants via Apple Pay (e.g. Nike, Uber, Walgreens))
• 2% back on everything else with Apple Pay (any purchase with Apple Pay)
• 1% back on everything else with the physical card

What it earns depends on how you pay (Apple Pay or the physical card), not on the category.

As of October 21, 2026 from apple.com

• 2x points on everything else (2 points per $1)

What a point is worth depends on how you redeem it (a SoFi account or a statement credit).

As of October 21, 2026 from sofi.com

• 3x points on dining
• 2x points on groceries
• 1x points on everything else

As of October 21, 2026 from sofi.com

• 5% back on a category you choose, on up to $2,000 in purchases a quarter (shared), then 1% (two chosen categories each quarter: fast food, home utilities, TV/internet/streaming, department stores, cell phone, electronics, sporting goods, furniture, movie theaters, ground transportation, gyms, select clothing)
• 2% back on an everyday category you choose (one chosen: grocery, restaurants, or gas/EV (excludes discount superstores and wholesale clubs))
• 5% back on travel booked through the issuer (prepaid travel in Travel Center)
• 1% back on everything else

Categories must be chosen each quarter; unchosen quarter means 1%.

As of October 21, 2026 from usbank.com

• 2% back on everything else

3% foreign transaction fee.

As of October 21, 2026 from creditcards.wellsfargo.com

• 3x points on dining
• 3x points on travel
• 3x points on gas
• 3x points on transit
• 3x points on streaming
• 3x points on phone plans
• 1x points on everything else

As of October 21, 2026 from creditcards.wellsfargo.com

• 5x points on dining (eats and drinks: eligible restaurants and food delivery in Canada)
• 3x points on streaming
• 2x points on gas
• 2x points on transit (incl. rideshare)
• 1x points on everything else

$15.99/month outside Quebec (191.88/year).

As of October 21, 2026 from americanexpress.com

• 3% back on groceries, on up to CA$500 in purchases a month
• 4% back on gas, on up to CA$500 in purchases a month
• 2% back on recurring bills, on up to CA$500 in purchases a month
• 0.5% back on everything else

As of October 21, 2026 from rewardscanada.ca

• 4% back on groceries
• 4% back on gas (gas and EV charging)
• 2% back on transit (transportation)
• 2% back on dining
• 2% back on recurring bills
• 2% back on travel booked through the issuer (CIBC by Expedia)
• 1% back on everything else

As of October 21, 2026 from cibc.com , rewardscanada.ca

• 2x points on groceries, on up to CA$16,000 in purchases a year
• 1x points on everything else

Earns PC Optimum points (10,000 points are usually worth $10), redeemed at PC Optimum partners.

As of October 21, 2026 from rewardscanada.ca

• 1.25x points on travel
• 1x points on everything else

As of October 21, 2026 from rbcroyalbank.com

• 1.5% back on everything else (2% for Rogers/Shaw/Fido customers per Rewards Canada)
• 3% back on purchases in another currency (up to 3% per issuer and Rewards Canada)

As of October 21, 2026 from rogersbank.com , rewardscanada.ca

• 6x points on Sobeys Family, on up to CA$50,000 in purchases a year (shared), then 1x points (Sobeys, IGA, Safeway, Foodland, FreshCo)
• 5x points on groceries, on up to CA$50,000 in purchases a year (shared), then 1x points
• 5x points on dining, on up to CA$50,000 in purchases a year (shared), then 1x points
• 5x points on entertainment, on up to CA$50,000 in purchases a year (shared), then 1x points
• 3x points on gas, on up to CA$50,000 in purchases a year (shared), then 1x points
• 3x points on transit, on up to CA$50,000 in purchases a year (shared), then 1x points
• 3x points on streaming, on up to CA$50,000 in purchases a year (shared), then 1x points
• 1x points on everything else

$120/yr, waivable with eligible Scotiabank chequing package. All accelerated rates share one $50,000 yearly cap. No FX fee.

As of October 21, 2026 from scotiabank.com

• 4% back on dining, on up to CA$5,000 in purchases a year, then 0.5% (restaurants, bars, coffee shops)
• 1.5% back on gas, on up to CA$15,000 in purchases a year (shared), then 0.5%
• 1.5% back on groceries, on up to CA$15,000 in purchases a year (shared), then 0.5%
• 1.5% back on drugstores, on up to CA$15,000 in purchases a year (shared), then 0.5%
• 1.5% back on recurring bills, on up to CA$15,000 in purchases a year (shared), then 0.5%
• 0.5% back on everything else

Cash back credited once a year in January.

As of October 21, 2026 from simplii.com

• 2% back on a category you choose (2 chosen categories (3 if rewards go to a Tangerine savings account): grocery, restaurants, gas, entertainment, furniture, hotel, drugstore, recurring bills, home improvement, transit/parking, e-games, fitness, foreign currency)
• 0.5% back on everything else

As of October 21, 2026 from tangerine.ca

• 8x points on travel booked through the issuer (Expedia for TD)
• 6x points on groceries, on up to CA$25,000 in purchases a year, then 2x points
• 6x points on dining, on up to CA$25,000 in purchases a year, then 2x points
• 6x points on transit, on up to CA$25,000 in purchases a year, then 2x points
• 4x points on recurring bills, on up to CA$25,000 in purchases a year, then 2x points
• 4x points on streaming, on up to CA$25,000 in purchases a year, then 2x points (streaming, digital gaming and media)
• 2x points on everything else

Accelerated categories are capped at $25,000 a year.

As of October 21, 2026 from td.com