Which credit card earns the most?

Rankings compiled from Norte's verified database of 75+ US credit cards. This list may not include every card on the market. Data is independently verified against official issuer documentation.

Compare earn rates across the top US credit cards for every spending category. Data verified from official card terms — April 2026.

Dining

#CardIssuerEarn RateAnnual Fee
1Hilton Honors Amex AspireAmex7x$550
2Citi Strata EliteCiti6x$595
3Hilton Honors Amex SurpassAmex6x$150
4Citi PrestigeCiti5x$495
5Marriott Bonvoy BevyAmex4x$250
6Marriott Bonvoy BountifulChase4x$250
7Amex GoldAmex4x$325
8Chase Sapphire PreferredChase3x$95
9Amex GreenAmex3x$150
10Capital One SavorCapital One3%$0

Groceries

#CardIssuerEarn RateAnnual Fee
1Hilton Honors Amex SurpassAmex6x$150
2Blue Cash PreferredAmex6%$95
3Marriott Bonvoy BevyAmex4x$250
4Amex GoldAmex4x$325
5Marriott Bonvoy BountifulChase4x$250
6Capital One SavorCapital One3%$0
7Blue Cash EverydayAmex3%$0
8HSBC Premier World EliteHSBC3x$0
9Marriott Bonvoy BoundlessChase3x$95
10Chase Sapphire PreferredChase3x$95

Gas

#CardIssuerEarn RateAnnual Fee
1Hilton Honors Amex SurpassAmex6x$150
2Costco Anywhere VisaCiti5%$0
3Gemini Credit CardMastercard4x$0
4Blue Cash EverydayAmex3%$0
5Atlas Rewards VisaDeserve3%$0
6HSBC Premier World EliteHSBC3x$0
7Marriott Bonvoy BoundlessChase3x$95
8Wells Fargo AutographWells Fargo3x$0
9Blue Cash PreferredAmex3%$95
10My Best Buy VisaCiti3%$0

Flights

#CardIssuerEarn RateAnnual Fee
1Hilton Honors Amex AspireAmex7x (direct airlines or Amex Travel only)$550
2Citi Strata EliteCiti6x (via Citi Travel portal)$595
3Capital One Venture XCapital One5x$395
4Citi / AAdvantage ExecutiveCiti5x (American Airlines purchases only)$595
5Amex PlatinumAmex5x (direct with airlines or Amex Travel only)$695
6Citi PrestigeCiti5x$495
7US Bank Altitude ReserveUS Bank5x (via US Bank Travel Center portal)$400
8United Club InfiniteChase5x (United purchases only)$525
9United GatewayChase5x (United purchases only)$0
10Chase Sapphire ReserveChase3x$550

Hotels

#CardIssuerEarn RateAnnual Fee
1Hilton Honors Amex AspireAmex14x (Hilton properties only)$550
2Hilton Honors Amex SurpassAmex12x (Hilton properties only)$150
3Citi Strata EliteCiti12x (via Citi Travel portal)$595
4Citi Strata PremierCiti10x (via Citi Travel portal)$95
5US Bank Altitude ReserveUS Bank10x (via US Bank Travel Center portal)$400
6Citi / AAdvantage ExecutiveCiti10x (via aa.com/hotels portal)$595
7Capital One Venture XCapital One10x$395
8Marriott Bonvoy BevyAmex6x (Marriott properties only)$250
9Marriott Bonvoy BoundlessChase6x (Marriott properties only)$95
10US Bank Smartly VisaUS Bank6%$0

Streaming

#CardIssuerEarn RateAnnual Fee
1Blue Cash PreferredAmex6%$95
2Atlas Rewards VisaDeserve5%$0
3Capital One SavorCapital One3%$0
4Wells Fargo AutographWells Fargo3x$0
5IHG One Rewards TravelerChase3x$0
6Chase Sapphire PreferredChase3x$95
7Instacart MastercardChase2%$0
8Atmos Ascent VisaAtmos2x$0
9United QuestChase2x$250

Everything Else

#CardIssuerEarn RateAnnual Fee
1Bilt Blue 2.0Bilt4%$0
2Hilton Honors Amex AspireAmex3x$550
3Hilton Honors Amex SurpassAmex3x$150
4Robinhood Gold CardRobinhood3x$0
5Capital One Venture XCapital One2x$395
6Wells Fargo Active CashWells Fargo2%$0
7Citi Double CashCiti2%$0
8Marriott Bonvoy BountifulChase2x$250
9Capital One Venture RewardsCapital One2x$95
10Marriott Bonvoy BevyAmex2x$250

Rankings based on Norte's database of 75+ US credit cards, verified April 2026. Some cards may not yet be included. Rates may change — confirm with your card issuer. Temporary promotional rates are not included.

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