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.
Dining
Earn more on restaurants, takeout, and food delivery.
Travel
Maximize points on flights, hotels, and everything in between.
Gas
Get more back every time you fill up.
Online Shopping
Earn more on Amazon, e-commerce, and online purchases.
Streaming
Earn more on Netflix, Hulu, Disney+, and every other subscription.
Rent
Earn points on your biggest monthly bill without paying a swipe fee.
Wholesale Clubs
Get more back at Costco, Sam’s Club, and BJ’s.
Utility Bills
Earn more on electricity, water, internet, and phone bills.
Amazon
Maximize rewards on Amazon.com and Whole Foods purchases.
No Annual Fee
Earn real rewards without paying a cent to carry the card.
Business
Separate your business spending and earn more doing it.
Transit
Earn more on trains, buses, tolls, parking, and rideshare.
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 Jul 11, 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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