Explore credit cards

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.

3% dining and entertainment; 2% gas and grocery; 1% other; eligible relationship customers can earn up to 4% under current program

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.

3X Royal Caribbean, Celebrity and Silversea; 2X grocery, gas and EV; 1X other

Eligible cruise-line and merchant-category rules 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.

3X Southwest purchases; 2X groceries and restaurants on first $8,000 combined each anniversary year; 1X all other purchases

Grocery and restaurant 2X is capped at $8,000 combined per anniversary year. Bag and seat benefits require eligible travel and are subject to availability/program terms. Welcome-offer eligibility excludes current Southwest consumer cardholders and those who received a consumer Southwest bonus in the past 24 months.

3 points per $1 on eligible Sun Country purchases, plus up to 2 additional points through the airline program; 2 points per $1 at gas stations and grocery stores; 1 point per $1 elsewhere

The advertised 5X combines 3X card earnings with 2X airline-program earnings. The welcome bonus requires $1,000 in eligible purchases within 90 days. The anniversary bonus requires $10,000 in purchases during the 12 months after each account anniversary. Bag and seat discounts require eligible pre-flight purchases for the cardholder and one companion on the same itinerary. A $89 annual fee and optional $1.99 paper-statement fee apply.

6% chosen category for first year, then 3%; 2% grocery/wholesale; 1% other, subject to quarterly cap

Chosen category plus grocery/wholesale capped at $2,500 combined per quarter

5% back in rewards at TJX family stores; 2% gas, grocery and restaurants; 1% other Mastercard purchases

The 10% first-purchase offer is one-time and subject to the application offer terms. Rewards apply to eligible purchases and depend on merchant coding; returns and credits reduce points. Digital reward certificates are issued after the account reaches at least 1,000 points and follow redemption and expiration rules.

4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2X at grocery stores, gas/EV charging stations and eligible streaming services; 1X on other eligible purchases

Requires a refundable $300–$5,000 security deposit held in a U.S. Bank secured savings account; the deposit generally equals the credit line. No public welcome bonus. 4X dining is capped at the first $2,000 of eligible dining purchases per quarter. Discount stores, supercenters, and wholesale clubs are excluded from elevated grocery/gas categories. The $15 streaming credit requires 11 consecutive calendar months of eligible streaming purchases and an account in good standing.

4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2X at grocery stores, gas/EV charging stations and eligible streaming services; 1X on other eligible purchases

20,000-point offer requires $1,000 in eligible net purchases within 90 days; existing or previous cardmembers are ineligible if they received this product’s new-account bonus within 5 years. 4X dining is capped at $2,000 per quarter. Discount stores, supercenters, and wholesale clubs are excluded from elevated grocery/gas categories. $15 streaming credit requires 11 consecutive months of eligible streaming purchases and an account in good standing. Balance transfers must be made within 60 days and carry a 5% fee ($5 minimum).

5% cash back on first $5,000 annual military-base purchases; 5% on first $3,000 annual gas purchases; 3% on first $3,000 annual grocery purchases; unlimited 1% on other purchases

Annual bonus-rate caps are $5,000 for military-base purchases, $3,000 for gas and $3,000 for groceries; 1% applies after each cap and to other purchases. Balance-transfer/convenience-check fees and reward eligibility rules apply.

3X Virgin Atlantic/Hotels/Voyages; 2X grocery, dining, streaming and EV charging; 1X other

The boarding bonus is limited to one offer per accountholder and requires $4,000 in eligible net purchases within 90 days. The card must be linked to Virgin Red and remain open and in good standing. Personal Perks require $15,000/$30,000 in cardholder-year spend. Hotel participation and availability restrictions apply. A $99 annual fee applies.