How does SwipeCaddy pick the best card at Chewy?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Chewy's card-acceptance rules, so the "best" card is one you can actually use at the register.

Do the 3% cards at Chewy have spending caps?

Yes, both. The Blue Cash Everyday Card from American Express applies a spending cap and earns a lower rate once you pass it; it also works at U.S. merchants only. Bank of America Customized Cash Rewards must be set to this category and its cap is combined, with a lower rate afterward. Big, steady Chewy spenders should track where they stand against those caps.

Best cards at Chewy

Blue Cash Everyday Card from American Express earns the most at Chewy right now at 3%.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#13%
Blue Cash Everyday Card from American Express
American Express · Amex · No annual fee · up to $6,000/yr · Lower rate after the cap · U.S. merchants only
3%
2
#23%
Bank of America Customized Cash Rewards
Bank of America · Visa · No annual fee · Choose this category · up to $2,500/qtr (combined) · Lower rate after the cap
3%
3
#33x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
4
#42%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
5
#52%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
6
#62x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
7
#72%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%
8
#82%
Coinbase One Card
Cardless · Amex · No annual fee
2%
9
#92%
Fidelity Rewards Visa Signature Card
Elan Financial Services · Visa · No annual fee
2%
10
#102%
Navy Federal cashRewards Plus
Navy Federal · Mastercard · No annual fee
2%

Online

Good to know at Chewy

Chewy is online-only, so the ranking here is about one thing: which card earns the most at a web checkout. There is no store card to weigh against general cards, and no network restriction to plan around: cards on any network are accepted. Two no-annual-fee cards share the top rate of 3%: the Blue Cash Everyday Card from American Express and Bank of America Customized Cash Rewards.

Both 3% cards come with homework. The Blue Cash Everyday earns its top rate only up to a spending cap, drops to a lower rate after that, and counts U.S. merchants only. The Customized Cash Rewards requires you to choose this category, and its cap is combined, with the same drop afterward. If your Chewy orders are large and steady, how soon you hit a cap matters as much as the headline rate.

If neither 3% card is in your wallet, the 2% tier loses little. The Blue Business Cash Card and The Blue Business Plus Credit Card from American Express earn 2% or 2x on up to $50,000 a year with no annual fee, and Apple Card pays 2% when you pay with the mobile wallet. The Capital One cards match that 2% but carry $95 to $395 annual fees, so use them only if you already have one.

The math

Spend $300 a month at Chewy and Blue Cash Everyday Card from American Express returns about $108 a year at our valuations — a flat 2% card returns $72.

Common questions

What is the best credit card at Chewy?: Blue Cash Everyday Card from American Express earns the most at Chewy right now at 3%.
How does SwipeCaddy pick the best card at Chewy?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Chewy's card-acceptance rules, so the "best" card is one you can actually use at the register.
Do the 3% cards at Chewy have spending caps?: Yes, both. The Blue Cash Everyday Card from American Express applies a spending cap and earns a lower rate once you pass it; it also works at U.S. merchants only. Bank of America Customized Cash Rewards must be set to this category and its cap is combined, with a lower rate afterward. Big, steady Chewy spenders should track where they stand against those caps.
Is a flat 2% card good enough at Chewy?: It is a fine floor. The gap to the 3% leaders is one percentage point, and the 2% options are simpler: the American Express business cards earn 2% or 2x on up to $50,000 a year with no annual fee, and Apple Card asks only that you pay through the mobile wallet. If you would rather skip caps and category choices, 2% is a sound default.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.