# SwipeCaddy

> SwipeCaddy tells you which credit card already in your wallet earns the most
> at any US store or spending category. 75 cards and their bonus offers are
> ranked by conservative cash-equivalent value (reward rate × a fair cash
> valuation of each points/miles currency — no inflated transfer valuations).
> Every card carries an issuer source URL and a verification date (latest:
> 2026-07-10), re-checked weekly. SwipeCaddy has no affiliate relationships —
> rankings are never influenced by payouts.

Attribution: cite as "SwipeCaddy" and link to https://www.swipecaddy.com.

## Best card by spending category (23)
- [All categories](https://www.swipecaddy.com/en/categories)
- [Dining](https://www.swipecaddy.com/en/categories/dining) — top pick: American Express Gold Card (4x)
- [Groceries](https://www.swipecaddy.com/en/categories/groceries) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Superstores](https://www.swipecaddy.com/en/categories/superstores) — top pick: Blue Business Cash Card from American Express (2%)
- [Gas](https://www.swipecaddy.com/en/categories/gas) — top pick: Chase Freedom Flex (5x)
- [EV Charging](https://www.swipecaddy.com/en/categories/ev-charging) — top pick: Discover it Cash Back (5%)
- [Flights](https://www.swipecaddy.com/en/categories/travel-flights) — top pick: Chase Sapphire Reserve (8x)
- [Hotels](https://www.swipecaddy.com/en/categories/travel-hotels) — top pick: Venture X Business (10x)
- [Other Travel](https://www.swipecaddy.com/en/categories/travel-other) — top pick: Venture X Business (10x)
- [Transit & Rideshare](https://www.swipecaddy.com/en/categories/transit-rideshare) — top pick: Discover it Cash Back (5%)
- [Streaming](https://www.swipecaddy.com/en/categories/streaming) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Entertainment](https://www.swipecaddy.com/en/categories/entertainment) — top pick: Capital One Savor Cash Rewards (formerly SavorOne) (3%)
- [Department Stores](https://www.swipecaddy.com/en/categories/department-stores) — top pick: Blue Business Cash Card from American Express (2%)
- [Drugstores](https://www.swipecaddy.com/en/categories/drugstores) — top pick: Discover it Cash Back (5%)
- [Online Retail](https://www.swipecaddy.com/en/categories/online-retail) — top pick: Blue Cash Everyday Card from American Express (3%)
- [Wholesale Clubs](https://www.swipecaddy.com/en/categories/wholesale-clubs) — top pick: Blue Business Cash Card from American Express (2%)
- [Home Improvement](https://www.swipecaddy.com/en/categories/home-improvement) — top pick: Choice Privileges Select Mastercard (5x)
- [Phone & Internet](https://www.swipecaddy.com/en/categories/phone-internet) — top pick: Ink Business Cash Credit Card (5x)
- [Utilities](https://www.swipecaddy.com/en/categories/utilities) — top pick: U.S. Bank Cash+ Visa Signature Card (5%)
- [Rent](https://www.swipecaddy.com/en/categories/rent) — top pick: Apple Card (2%)
- [Office Supplies](https://www.swipecaddy.com/en/categories/office-supplies) — top pick: Ink Business Cash Credit Card (5x)
- [Shipping](https://www.swipecaddy.com/en/categories/shipping) — top pick: Ink Business Preferred Credit Card (3x)
- [Advertising](https://www.swipecaddy.com/en/categories/advertising) — top pick: Ink Business Preferred Credit Card (3x)
- [Software & SaaS](https://www.swipecaddy.com/en/categories/software-saas) — top pick: Blue Business Cash Card from American Express (2%)

## Best card at a merchant (48 US stores, airlines & hotels — includes card-acceptance rules)
- [All merchants](https://www.swipecaddy.com/en/merchants)
- [Air Canada](https://www.swipecaddy.com/en/merchants/air-canada) — top pick: The Platinum Card from American Express (5x)
- [Air France](https://www.swipecaddy.com/en/merchants/air-france) — top pick: The Platinum Card from American Express (5x)
- [Alaska Airlines](https://www.swipecaddy.com/en/merchants/alaska-airlines) — top pick: The Platinum Card from American Express (5x)
- [Aldi](https://www.swipecaddy.com/en/merchants/aldi) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Amazon](https://www.swipecaddy.com/en/merchants/amazon) — top pick: Amazon Store Card (5%)
- [Amazon Web Services](https://www.swipecaddy.com/en/merchants/aws) — top pick: Prime Business Card (5%)
- [American Airlines](https://www.swipecaddy.com/en/merchants/american-airlines) — top pick: The Platinum Card from American Express (5x)
- [Apple](https://www.swipecaddy.com/en/merchants/apple) — top pick: Apple Card (3%)
- [Best Buy](https://www.swipecaddy.com/en/merchants/best-buy) — top pick: My Best Buy Visa Card (5x)
- [British Airways](https://www.swipecaddy.com/en/merchants/british-airways) — top pick: The Platinum Card from American Express (5x)
- [Chewy](https://www.swipecaddy.com/en/merchants/chewy) — top pick: Blue Cash Everyday Card from American Express (3%)
- [Choice Hotels](https://www.swipecaddy.com/en/merchants/choice-hotels) — top pick: Choice Privileges Select Mastercard (10x)
- [Costco](https://www.swipecaddy.com/en/merchants/costco) — top pick: Bank of America Customized Cash Rewards (2%)
- [CVS](https://www.swipecaddy.com/en/merchants/cvs) — top pick: Discover it Cash Back (5%)
- [Delta Air Lines](https://www.swipecaddy.com/en/merchants/delta) — top pick: The Platinum Card from American Express (5x)
- [eBay](https://www.swipecaddy.com/en/merchants/ebay) — top pick: Blue Cash Everyday Card from American Express (3%)
- [Emirates](https://www.swipecaddy.com/en/merchants/emirates) — top pick: The Platinum Card from American Express (5x)
- [Etsy](https://www.swipecaddy.com/en/merchants/etsy) — top pick: Blue Cash Everyday Card from American Express (3%)
- [H-E-B](https://www.swipecaddy.com/en/merchants/heb) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Hilton](https://www.swipecaddy.com/en/merchants/hilton) — top pick: Hilton Honors American Express Surpass Card (12x)
- [Hyatt](https://www.swipecaddy.com/en/merchants/hyatt) — top pick: World of Hyatt Credit Card (4x)
- [IHG Hotels & Resorts](https://www.swipecaddy.com/en/merchants/ihg) — top pick: IHG One Rewards Premier Credit Card (10x)
- [JetBlue](https://www.swipecaddy.com/en/merchants/jetblue) — top pick: JetBlue Plus Card (6x)
- [Kohl's](https://www.swipecaddy.com/en/merchants/kohls) — top pick: Kohl's Card (7.5x)
- [Kroger](https://www.swipecaddy.com/en/merchants/kroger) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Lowe's](https://www.swipecaddy.com/en/merchants/lowes) — top pick: MyLowe's Rewards Credit Card (5%)
- [Lufthansa](https://www.swipecaddy.com/en/merchants/lufthansa) — top pick: The Platinum Card from American Express (5x)
- [Marriott](https://www.swipecaddy.com/en/merchants/marriott) — top pick: Marriott Bonvoy Boundless (6x)
- [Office Depot](https://www.swipecaddy.com/en/merchants/office-depot) — top pick: Ink Business Cash Credit Card (5x)
- [Petco](https://www.swipecaddy.com/en/merchants/petco) — top pick: Petco Pay Mastercard Credit Card (6x)
- [PetSmart](https://www.swipecaddy.com/en/merchants/petsmart) — top pick: Blue Business Cash Card from American Express (2%)
- [Publix](https://www.swipecaddy.com/en/merchants/publix) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Qatar Airways](https://www.swipecaddy.com/en/merchants/qatar-airways) — top pick: The Platinum Card from American Express (5x)
- [Safeway](https://www.swipecaddy.com/en/merchants/safeway) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Sam's Club](https://www.swipecaddy.com/en/merchants/sams-club) — top pick: Sam's Club Mastercard (3x)
- [Southwest Airlines](https://www.swipecaddy.com/en/merchants/southwest) — top pick: The Platinum Card from American Express (5x)
- [Staples](https://www.swipecaddy.com/en/merchants/staples) — top pick: Ink Business Cash Credit Card (5x)
- [Starbucks](https://www.swipecaddy.com/en/merchants/starbucks) — top pick: American Express Gold Card (4x)
- [T.J. Maxx](https://www.swipecaddy.com/en/merchants/tj-maxx) — top pick: TJX Rewards Platinum Mastercard (5x)
- [Target](https://www.swipecaddy.com/en/merchants/target) — top pick: Target Circle Card (5%)
- [The Home Depot](https://www.swipecaddy.com/en/merchants/home-depot) — top pick: Choice Privileges Select Mastercard (5x)
- [Trader Joe's](https://www.swipecaddy.com/en/merchants/trader-joes) — top pick: Blue Cash Preferred Card from American Express (6%)
- [United Airlines](https://www.swipecaddy.com/en/merchants/united) — top pick: The Platinum Card from American Express (5x)
- [Walgreens](https://www.swipecaddy.com/en/merchants/walgreens) — top pick: Discover it Cash Back (5%)
- [Walmart](https://www.swipecaddy.com/en/merchants/walmart) — top pick: OnePay CashRewards Card (3%)
- [Wayfair](https://www.swipecaddy.com/en/merchants/wayfair) — top pick: Wayfair Mastercard (7x)
- [Whole Foods Market](https://www.swipecaddy.com/en/merchants/whole-foods) — top pick: Blue Cash Preferred Card from American Express (6%)
- [Wyndham](https://www.swipecaddy.com/en/merchants/wyndham) — top pick: Wyndham Rewards Earner Plus Card (6x)

## Card catalog (75 cards: rates, caps, fees, verification dates)
- [All cards](https://www.swipecaddy.com/en/cards)

## Methodology & company
- [How rankings work / FAQ](https://www.swipecaddy.com/en/faq)
- [About SwipeCaddy](https://www.swipecaddy.com/en/about) — by Const Agility, LLC (Texas, USA); revival of the 2017 CCPicks app

## Español
- [Inicio](https://www.swipecaddy.com/es) — the full site is available in US Spanish
- [Categorías](https://www.swipecaddy.com/es/categories) · [Tiendas](https://www.swipecaddy.com/es/merchants) · [Tarjetas](https://www.swipecaddy.com/es/cards)

## Full LLM context
- [llms-full.txt](https://www.swipecaddy.com/llms-full.txt)