Top no-category, flat-rate cards for everything that doesn't fit a bonus category.
- 1
Coinbase
Coinbase One Card
$0 annual fee · earns Coinbase Rewards · Rate scales with Coinbase One subscription tier, up to 4% back for Premium tier
4×
cash back
- 2
American Express
Hilton Honors Surpass
$150 annual fee · earns Hilton Honors · on all other eligible purchases
3×
pts
- 3
Robinhood
Robinhood Gold Card
$0 annual fee · earns Robinhood Cash Back · No caps
3×
cash back
Unlock every card ranked for everyday spend…
The cards above are a preview. Perqt members see every ranked card with real cash-back math and picks from their own wallet.
Sign up to unlock- 4
Chase
IHG One Rewards Premier
$99 annual fee
3×
pts
- 5
U.S. Bank
Shopper Cash Rewards® Visa Signature® Card
$95 annual fee
3×
cash back
- 6
American Express
Hilton Honors Aspire
$550 annual fee
3×
pts
- 7
Capital One
Venture X Rewards
$395 annual fee
2×
miles
- 8
Capital One
Venture Rewards
$95 annual fee
2×
pts
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Dining, groceries, travel, streaming, transit — every dollar you swipe has a best-earning card. Explore a few below, or unlock the whole map.
Best card for
Dining & Restaurants
Find the highest-earning credit cards for restaurants, takeout, and food delivery — ranked by points-per-dollar with real cash-back math.
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Groceries & Supermarkets
Top credit cards for grocery spend at supermarkets like Whole Foods, Kroger, Publix, and Trader Joe's — ranked by effective return.
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Airlines & Flights
Best cards for booking flights directly with airlines — ranked by points-per-dollar and elite-status perks.
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Hotels
Top hotel credit cards including co-brand and flexible-points options for Marriott, Hilton, Hyatt, and IHG stays.
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