Card Rankings

Best Cards by Category

Data-driven credit card recommendations for every spending category.

Groceries

Maximize rewards on your supermarket spending with the right card.

Amex Gold — 4x MR points

Dining

Earn more on restaurants, takeout, and food delivery.

Amex Gold — 4x MR points

Travel

Maximize points on flights, hotels, and everything in between.

Chase Sapphire Reserve — 4x UR / 8x portal

Gas

Get more back every time you fill up.

Costco Anywhere Visa — 4% cash back

Online Shopping

Earn more on Amazon, e-commerce, and online purchases.

Amazon Prime Visa — 5% at Amazon

Streaming

Earn more on Netflix, Hulu, Disney+, and every other subscription.

Amex Blue Cash Preferred — 6% cash back

Rent

Earn points on your biggest monthly bill without paying a swipe fee.

Bilt Obsidian — Up to 1.25x on rent

Wholesale Clubs

Get more back at Costco, Sam's Club, and BJ's.

Costco Anywhere Visa — 2% at Costco

Utility Bills

Earn more on electricity, water, internet, and phone bills.

US Bank Cash+ — 5% cash back

Amazon

Maximize rewards on Amazon.com and Whole Foods purchases.

Prime Visa — 5% at Amazon

Not financial advice. OptimalCardSetup provides mathematical optimization tools for educational and informational purposes only. This does not constitute financial, investment, or credit advice. Card rates, fees, and benefits shown are accurate as of July 4, 2026. Terms may change — always verify current details with the card issuer before applying.

The best overall setup depends on your complete spending profile, not just one category.

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