How Cardwell selected these Match rewards to how you refuel. Gas-station or EV-charging reward rate. Annual fee and other everyday categories. Cash back versus transferable points. Merchant definitions, caps, and location limits. American Express · personal 1%–3% rewards $0 annual fee
3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.
Why it made this list: Useful household bonus categories without an annual fee.
Citi · personal 1x–10x rewards $95 annual fee
3x on air travel, other hotels, restaurants, supermarkets, and gas or EV charging; 10x on eligible Citi Travel bookings.
Why it made this list: Broad everyday and travel categories with transferable points.
Chase · personal 1x–5x rewards $95 annual fee
5x through Chase Travel; 3x on dining, gas and EV charging, select streaming, online grocery, and eligible vacation-home rentals; and 2x on other travel.
Why it made this list: Transferable travel points and useful everyday categories at a moderate annual fee.
Referral note Some application links on this page may be referral links. Cardwell may receive a reward if you apply and are approved.
Before choosing Warehouse clubs, supermarkets, convenience stores, and charging networks may code differently. Check current eligible-merchant definitions.