Explore credit cards

5% Costco gas; 4% other eligible gas/EV charging; combined first $7,000/year then 1%; 3% restaurants/eligible travel; 2% Costco/Costco.com; 1% other

No separate card annual fee with paid Costco membership; gas/EV bonus subject to $7,000 combined annual cap. Rewards generally issued as annual certificate.

1% cash back on eligible gas and grocery purchases plus qualifying mobile phone, internet, cable and satellite TV services; exact offer tier may vary

Annual fee is $0–$99 depending on the approved offer. Published agreements include $75 in the first year then $99 annually ($8.25 monthly), or $99 annually; consult the assigned agreement. Rewards apply only to eligible net purchases after returns, credits and adjustments. Cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant coding, approval terms and any targeted offer can vary.

5% cash back on utilities and wireless for the first 12 months, then 3%; 2% on gas and office supplies; 1% on other eligible purchases

Bonus requires $3,000 in eligible purchases within 90 days. Utility and wireless earnings fall from 5% to 3% after the first 12 months; merchant coding controls category eligibility. Returns, credits, transfers, cash advances, fees and cash equivalents do not earn rewards. Intro APR applies only for the stated period; the variable APR applies afterward.

3 points per $1 on gas and select streaming; 2 points on grocery and drugstores; 1 point elsewhere

Balance transfers must occur within 90 days to receive 0% APR for 12 months and cost the greater of $5 or 3%. Merchant coding controls bonus categories; cash-like transactions and fees do not earn rewards. Foreign transactions cost 3%.

2 points per $1 on gas, groceries and household goods; 1 point per $1 elsewhere

The $3,000 qualifying purchase total must post within 60 days of account opening; bonus points post on the second statement after qualification. Merchant coding controls 2X eligibility. Returns, balance transfers, fees, cash advances and cash-equivalent purchases do not earn points. Membership and credit approval are required.

5% back in Fleet Rewards on qualifying Fleet Farm purchases; $5 reward for every $100 in qualifying spend; 6-month deferred-interest financing on in-store purchases of $299+

Available as a Fleet Rewards private-label card or Fleet Rewards Visa, so the network depends on the approved version. The Visa has no foreign transaction fee. The 6-month $299+ offer is deferred interest and cannot be combined with the 10% new-account discount; minimum payments are required. Product, service and brand exclusions apply to rewards.

4% cash back on eligible gas and EV charging purchases (first $5,000 combined annually, then 1%); 3% on eligible restaurants, food delivery and groceries; 1% on other eligible purchases

The 4% gas/EV rate applies to the first $5,000 of combined eligible purchases each year, then 1%. Merchant category coding and net-purchase rules control bonus eligibility. A balance transfer or cash advance costs the greater of $5 or 3%; foreign transactions cost up to 1%. New credit is generally limited to California residents, subject to stated military exceptions.

5 points per $1 on eligible net purchases, issued as $5 in Harbor Freight Money for every 500 points

The 10% first-purchase discount and equal-payment financing cannot be combined. Equal-payment purchases and the discounted first transaction do not earn points. The financing purchase must be at least $299 on one receipt; shipping charges are excluded from the discount.

10X card points at IHG Hotels & Resorts; 5X travel, dining, select business purchases, and gas stations; 3X all other purchases

Business eligibility and spending-category definitions apply. Rewards are earned on eligible net purchases only; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Bonus eligibility and benefits follow the live offer and program terms.

5% qualifying Instacart purchases on first $6,000 annually; 5% Chase Travel; 2% restaurants, gas stations and select streaming; 1% other

5% Instacart rate applies to the first $6,000 in qualifying Instacart purchases annually

7.5% Kohl's Rewards at Kohl's; 3% gas; 2% grocery; 1% other eligible Visa purchases

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.

3% cash back on eligible gas; 2% at grocery stores and wholesale clubs; 1% on other purchases; plus a selected monthly category can earn up to 5% bonus cash back, capped at $100 in bonus rewards per month

The monthly 5% category requires selection by the stated deadline and is capped at $100 in bonus rewards per month; transactions must post within the month and merchant coding controls eligibility. The $200 bonus is for new accounts, requires $3,000 in net qualifying purchases within 90 days, and is limited to one per member. A $5 savings deposit and approval are required.

3X points at restaurants; 2X points on gas; 1X point on other eligible purchases

Merchant coding controls bonus eligibility; restaurants inside other establishments and gas at superstores, supermarkets and warehouse clubs may earn only 1X; excluded transactions do not earn points

5X points on gas paid at the pump and EV charging; 3X at supermarkets, restaurants, and TV/radio/cable/streaming services; 1X other purchases

• Unlimited eligible purchases
• Merchant coding applies; PenFed membership required.

No earning caps; merchant coding applies. Points expire five years after they are earned.

4% gas; 3% restaurants; 2% grocery on first $8,000 combined eligible purchases per year; 1% after cap and on other purchases

4%/3%/2% categories share an $8,000 annual purchase cap.

2X Korean Air, gas/EV, cell service, office supplies and dining; lounge vouchers; 5% annual Korean Air ticket discount

Rewards apply to eligible net business purchases after returns and credits. Advances, balance transfers, fees, interest and cash-equivalent transactions do not earn rewards. Business eligibility, liability, employee-card controls, merchant coding and applicant-specific pricing apply.

3% cash back on eligible gas/EV, cell phone, office supply and dining purchases; 1% elsewhere

3% bonus categories depend on merchant coding; gas/EV purchases over $200 and purchases at wholesale clubs or supercenters generally earn 1%. Rewards Center booking is required for 5% prepaid hotel/car rental rewards. Cash rewards expire after five years. Business eligibility and current application terms apply.

4 points per $1 on dining, takeout and delivery on first $2,000 each quarter; 2 points at grocery, gas/EV and eligible streaming; 1 point elsewhere

Rewards apply only to eligible net purchases; returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn rewards. Merchant category coding and the issuer’s rewards-program rules determine bonus eligibility. The earning cap and reset period stated in the rewards terms apply; purchases above the cap earn only the applicable base rate. The introductory APR offer (0% APR for first 12 billing cycles on purchases and balance transfers) applies only to the stated transaction types and period; transfer timing, transfer fees and the subsequent ongoing APR may apply. The ongoing rate is 17.74%–27.99% variable APR and may change as described in the card agreement.