Triple play credit cards

14 Triple Play Credit Cards

ByGail Kellner Last Updated:

Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.

Everyone wants to get as much out of their credit card rewards as possible. We recommend a three-card strategy for maximizing rewards. First, you should get a daily driver card. These cards pay at least 1.5% – 2% on every purchase. You don’t have to worry about caps, categories, or merchant codes. If you only want one credit card, make it a daily driver.

When (or if) you decide to add a second credit card to your wallet, a triple play credit card is a perfect addition. These cards pay 3% cash back or 3x points or miles or more in at least three categories, usually gas and groceries plus one other category.

Category king cards pay 5% (or 5x points or 5x miles) or more in one category. Sometimes these categories rotate, but not always. These cards make an excellent third option to round out your credit card rewards strategy.

These are the triple play credit cards we recommend.

Triple Play Credit Cards

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred
Learn More

Our Rating: 4.5

★★★★★☆

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.74% – 29.74% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%, and 6% cash back on select U.S. streaming services. Earn 3% cash back on U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 1% cash back on all other eligible purchases. Terms Apply.

The Blue Cash Preferred® Card from American Express offers 6% cash back on groceries at U.S. supermarkets, up to $6,000 a year, then 1%. After that, you can always switch to a different card. But this card also offers 6% cash back on select U.S. streaming services, plus 3% cash back on U.S. gas stations and 3% on transit (such as taxis, rideshares, parking, and tolls). You can get an $84 Disney Bundle Credit ($7 a month) for the Disney Bundle when you enroll. The card’s annual fee is waived for the first year, and there’s a 0% intro APR offer for 12 months on purchases and for 12 months on balance transfers, then 18.74% - 29.74% variable APR. All of this adds up to a great card for everyday purchases.

Terms Apply.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000

Blue Cash Everyday® Card from American Express

Learn More

Our Rating: 4.4

★★★★★☆

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Est. Value

$200

Annual Fee

$0

APR

18.74% – 29.74% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). 1% cash back on other eligible purchases. Terms Apply.

The Blue Cash Everyday® Card from American Express offers elevated cash back on groceries, gas, and online retail purchases. There is a cap, though; you’re limited to $6,000 per year for each category, and after that, you’ll earn just 1% cash back. You can also get $7 per month back as a statement credit when you enroll and get the Disney Bundle. If you don’t want to consider a card with an annual fee, this is a great choice.

Terms Apply.

1% cash back
On all other eligible purchases
1% cash back on all other purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Pros

  • Welcome offer
  • Up to 3% cash back
  • $0 annual fee

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000

 Chase Sapphire Preferred® Card

Chase Sapphire Preferred
Learn More

Our Rating: 4.9

★★★★★☆

Chase Sapphire Preferred® Card

Welcome Offer

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points

Est. Value

Up to $1,050

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on travel purchased through Chase TravelSM. Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs), on dining, and on select streaming services. Earn 2x points on all other travel purchases. Earn 1x points on other purchases.

The Chase Sapphire Preferred® Card might be the best bang for your buck among travel credit cards. Your Chase Ultimate Rewards points get a 25% boost in value when redeemed for travel through Chase TravelSM; the welcome bonus is worth slightly less than the Chase Sapphire Reserve®, and the annual fee is about 20% of the Reserve. You even get a $50 Annual Chase Travel Hotel Credit when you book through Chase TravelSM, making the net cost even lower.

1x points
On all other eligible purchases
1x points on all other purchases
2x points
Travel
2x points on all other travel purchases
3x points
U.S. supermarkets
Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)
3x points
Streaming services
Earn 3x points on select streaming services
3x points
Dining
3x points on dining
5x points
Travel
5x points on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/20/2024
750
Not Provided
$7,500
Approved05/02/2024
797
Experian
$22,500
Approved05/02/2024
848
TransUnion
$22,500
Approved06/03/2024
716
Not Provided
$5,000
Approved03/04/2024
590
Not Provided
$5,000
Approved01/30/2024
645
Equifax
$9,000
Approved01/30/2024
645
TransUnion
$9,000
Approved01/30/2024
666
Experian
$9,000
Approved05/06/2024
832
Not Provided
---
Approved05/06/2024
833
Not Provided
---
Denied01/04/2024
783
Not Provided
---
Denied04/18/2024
707
Equifax
---
Denied04/18/2024
714
Experian
---
Denied01/17/2024
795
Not Provided
---
Denied05/29/2024
727
Not Provided
---
Denied06/12/2024
770
Not Provided
---

Chase Sapphire Reserve®

Chase Sapphire Reserve
Learn More

Our Rating: 4.9

★★★★★☆

Chase Sapphire Reserve®

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $900

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Req’d

Excellent

Rewards: Earn 10x points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 5x points on flights when you purchase through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining. Earn 1x points on other eligible purchases.

The Chase Sapphire Reserve® can also be a category king card because it pays great rewards on travel purchased through Chase TravelSM. However, we put it in the triple play list because it earns 3x to 10x points on dining, hotels, flights, and other travel.

How does Chase define travel? From Chase: Merchants in this category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages. This is a pretty generous definition, and there’s a $300 Annual Travel Credit.

1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x points
  • Excellent statement credits
  • Transfer points to Chase travel partners

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/08/2023
720
Not Provided
$10,000
Approved05/08/2023
830
Experian
$27,000
Approved02/06/2023
677
Experian
$10,700
Approved04/19/2023
806
Experian
$18,600
Approved04/19/2023
810
Equifax
$18,600
Approved04/19/2023
823
TransUnion
$18,600
Approved08/03/2023
700
TransUnion
$15,000
Approved09/30/2023
698
Experian
$25,500
Approved09/30/2023
730
TransUnion
$25,500
Approved09/30/2023
733
Equifax
$25,500
Approved09/30/2023
766
Equifax
$25,500
Approved12/14/2023
750
Experian
$10,000
Approved03/22/2023
719
Equifax
$21,700
Approved03/22/2023
752
TransUnion
$21,700
Approved03/22/2023
789
Experian
$21,700
Approved01/07/2023
821
Experian
$25,000
Approved01/07/2023
828
TransUnion
$25,000
Approved01/07/2023
838
Equifax
$25,000
Approved10/23/2023
751
Experian
$10,000
Approved10/23/2023
785
TransUnion
$10,000
Denied10/19/2023
749
TransUnion
---
Denied10/19/2023
765
Experian
---

Capital One SavorOne Cash Rewards Credit Card

SavorOne Student
Learn More

Our Rating: 4.5

★★★★★☆

Capital One SavorOne Cash Rewards Credit Card

Welcome Offer

$200 Cash Back

Est. Value

$200

Annual Fee

$0

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 8% cash back on Capital One Entertainment. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores excluding superstores like Walmart® and Target®. Earn 1% cash back on other purchases.

The Capital One SavorOne Cash Rewards Credit Card offers elevated cash back on many everyday purchases, such as dining, entertainment, streaming, and grocery stores. It also offers elevated rewards on hotels and rental cars booked through Capital One Travel. This card is a better deal than the Capital One Savor Rewards Credit Card, and Capital One seems to agree, as they discontinued the Savor Rewards. This card also has no foreign transaction fees, so you can take it with you when you travel internationally.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back

Cons

  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023
768
TransUnion
$20,000
Approved04/12/2023
772
Experian
$20,000
Approved02/12/2023
657
TransUnion
$1,000
Approved08/10/2023
672
Not Provided
---
Approved08/10/2023
803
Experian
---
Denied06/16/2023
700
Not Provided
---
Denied10/25/2023
776
Not Provided
---
Denied10/25/2023
778
Not Provided
---
Denied03/08/2023
811
TransUnion
---
Denied03/26/2024
736
Experian
---
Denied06/17/2023
797
Not Provided
---
Denied08/05/2023
710
Not Provided
---
Denied12/02/2023
771
TransUnion
---
Denied12/02/2023
804
Experian
---

Chase Freedom Unlimited®

Chase Freedom Unlimited
Learn More

Our Rating: 4.9

★★★★★☆

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

20.49% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: For the first year, earn an extra 1.5% cash back on everything on up to $20,000 spent. Then, earn 5% cash back on travel purchased through Chase TravelSM. Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases. Earn 1.5% cash back on other purchases.

The Chase Freedom Unlimited® is a great no-annual fee card. You get 0% intro APR on purchases and balance transfers for 15 months, then 20.49% - 29.24% variable APR. You also get a nice suite of benefits such as Trip Cancellation/Interruption Insurance and Auto Rental Collision Damage Waiver.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/23/2024
640
Not Provided
$300
Approved04/25/2024
801
Experian
$10,000
Approved06/13/2024
741
Not Provided
$6,000
Approved06/19/2024
667
Experian
$5,500
Approved06/19/2024
686
TransUnion
$5,500
Approved06/19/2024
687
Equifax
$5,500
Approved01/05/2024
689
Experian
$11,000
Approved01/05/2024
695
Equifax
$11,000
Approved01/05/2024
696
Equifax
$11,000
Approved01/05/2024
722
TransUnion
$11,000
Approved01/05/2024
732
TransUnion
$11,000
Approved01/05/2024
733
Experian
$11,000
Approved09/09/2024
749
TransUnion
$12,000
Approved09/09/2024
762
Experian
$12,000
Approved09/09/2024
770
Equifax
$12,000
Approved07/17/2024
708
Equifax
$5,600
Approved07/17/2024
709
Experian
$5,600
Approved07/17/2024
711
TransUnion
$5,600

Chase Freedom Flex®

Learn More

Our Rating: 4.7

★★★★★☆

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

$0

APR

20.49%–29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on travel purchased through Chase TravelSM and 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 3% cash back on drugstore purchases and on dining at restaurants, including takeout and eligible delivery services. Earn 1% cash back on other purchases.

The Chase Freedom Flex® allows you to earn 5% cash back on up to $1,500 in combined purchases in select rotating categories per quarter you activate. The bonus rotating categories include things like gas, groceries, Amazon, dining, and streaming services. In addition to the bonus category, you’ll also earn elevated cash back on travel purchased through Chase TravelSM, and everyday purchases like dining, and drugstore purchases.

All information about Chase Freedom Flex® has been collected independently by allCards.com. Chase Freedom Flex® is no longer available through allCards.com.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
  • Keeping track of quarterly bonus categories
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved07/08/2024
800
Not Provided
$23,000
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000
Approved04/12/2024
772
Not Provided
$20,000
Denied07/16/2024
780
Experian
---

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude Connect Visa Signature Card
Learn More

Our Rating: 4.8

★★★★★☆

U.S. Bank Altitude® Connect Visa Signature® Card

Welcome Offer

20,000 bonus points

Est. Value

$200

Annual Fee

$0

APR

17.74% – 28.74% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4x points on your first $1,000 each quarter on gas station and electric vehicle charging station purchases excluding purchases at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets. Earn 4x points on travel. Earn 2x points on grocery store and supermarket purchases excluding purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs. Earn 2x points on dining and streaming services. Earn 1x points on other eligible purchases.

The U.S. Bank Altitude® Connect Visa Signature® Card has new features effective September 9, 2024. First of all, the annual fee is eliminated. You still earn 4x points on gas and EV charging stations, but this category is capped at $1,000 per quarter, and purchases at wholesale clubs and discount stores are excluded. Grocery and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs are also excluded from the 2x points you earn at grocery stores.

Redeeming points for cash back only earns .08 each but 1 cent each when redeeming for travel. You also get up to $100 in statement credits toward your TSA PreCheck® or Global Entry® application fee once every four years, which is a nice benefit for a no-annual-fee card.

1x points
On all other eligible purchases
Earn 1x points on all other eligible purchases.
2x points
U.S. supermarkets
Earn 2x points at grocery stores (excludes discount stores/supercenters and wholesale clubs).
2x points
Streaming services
Earn 2x points on streaming services.
2x points
Dining
Earn 2x points on dining.
4x points
Travel
Earn 4x points on travel.
4x points
Gas
Earn 4x points at gas stations and EV charging on your first $1,000 each quarter (excludes discount stores/supercenters and wholesale clubs)
5x points
Hotels
Earn 5x points on prepaid hotels booked directly in the Altitude Rewards Center.
5x points
Rental Cars
Earn 5x points on prepaid car rentals booked directly in the Altitude Rewards Center.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/19/2022
680
Not Provided
$5,000
Approved07/06/2022
847
TransUnion
$20,000
Approved02/24/2022
791
Experian
$17,000
Approved04/03/2022
735
Experian
$2,000
Approved10/12/2022
800
TransUnion
$25,000
Approved04/04/2023
780
Not Provided
$13,000
Approved08/04/2022
812
TransUnion
$5,000
Approved09/22/2022
805
Experian
$10,000
Approved08/28/2022
800
TransUnion
$500
Approved12/09/2022
741
Experian
$2,000
Approved12/09/2022
769
Equifax
$2,000
Approved12/09/2022
774
TransUnion
$2,000
Approved08/06/2022
728
Experian
$2,000
Approved06/01/2022
699
Equifax
$600
Approved09/07/2022
815
TransUnion
$15,000
Approved06/28/2022
765
Not Provided
$9,500
Approved02/21/2022
785
Equifax
$2,000
Approved02/21/2022
786
Experian
$2,000

Wells Fargo AutographSM Card

Wells Fargo Autograph card
Learn More

Our Rating: 4.8

★★★★★☆

Wells Fargo AutographSM Card

Welcome Offer

Earn 20,000 bonus points

Est. Value

$200

Annual Fee

$0

APR

19.74%, 24.74%, or 29.74% Variable

Credit Req’d

Rewards: Earn 3x on restaurants, dining in, take out, delivery, catering and more, at gas stations, electric charging stations, airfare, hotels, cruises, car rentals, popular streaming services, cell phone and landline providers, and on subways, ride shares, parking, and tolls. Earn 1x points on other purchases.

The Wells Fargo AutographSM Card is a great card that offers elevated rewards on common, everyday purchases. There is a generous welcome offer (20% of the spend) and an introductory 0% intro APR offer on purchases for the first 12 months from account opening, then 19.74%, 24.74%, or 29.74% variable APR. There are some valuable travel benefits, no foreign transaction fees, and you get cell phone protection when you pay the bill with your card.

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
3x on cell phone and landline providers
3x points
Streaming services
3x on popular streaming services
3x points
Travel
3x on airfare, hotels, cruises, and car rentals
3x points
Dining
3x on restaurants, dining in, take out, delivery, catering and more
3x points
Gas
3x at gas stations and electric charging stations
3x points
Transit
3x on subways, ride shares, parking, tolls and more

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/17/2023
825
Equifax
$30,000
Approved04/03/2023
748
TransUnion
$15,000
Approved04/03/2023
754
Equifax
$15,000
Approved04/03/2023
767
Experian
$15,000
Approved04/22/2023
695
Experian
$2,500
Approved06/17/2023
768
TransUnion
$30,000
Approved11/19/2023
741
Experian
$14,000
Approved11/19/2023
743
Equifax
$14,000
Approved11/19/2023
746
TransUnion
$14,000
Approved10/27/2023
765
TransUnion
$16,000
Approved10/27/2023
786
Equifax
$16,000
Approved10/27/2023
788
Experian
$16,000

Wells Fargo Autograph Journey(SM) Card

Wells Fargo Autograph Journey
Learn More

Our Rating: 4.4

★★★★★☆

Wells Fargo Autograph Journey(SM) Card

Welcome Offer

Earn 60,000 bonus points

Est. Value

$600

Annual Fee

$95

APR

20.74%, 25.74%, or 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5x points on hotels, 4x points on airlines, 3x points on restaurants and on other travel, and 1x points on other purchases.

The Wells Fargo Autograph Journey(SM) Card is another card that could qualify as a category king card, since most of the rewards are for types of travel. If you’re trying to rack up travel points, this card is a good bet. The $50 annual statement credit with a minimum $50 airline purchase slices the annual fee in half, and frequent travelers should have no trouble using it. Wells Fargo does have travel partners, but as of now, it doesn’t have a travel portal, so you can book travel with whomever you want (i.e., the lowest price you can find).

1x points
On all other eligible purchases
1x points on all other purchases
3x points
Travel
3x points on other travel
3x points
Dining
3x points on restaurants
4x points
Airfare
4x points on airlines
5x points
Hotels
Earn 5x points on hotels

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
  • Limited travel partners
App StatusDateCredit ScoreBureauCredit Limit
Denied03/12/2024
829
Equifax
---
Denied03/24/2024
835
Not Provided
---
Denied03/21/2024
800
Not Provided
---

Citi Strata Premier® Card

Citi Strata Premier
Learn More

Our Rating: 4.7

★★★★★☆

Citi Strata Premier® Card

Welcome Offer

For a limited time: Earn 75,000 bonus points

Est. Value

$750

Annual Fee

$95

APR

20.74% – 28.74% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions booked through CitiTravel.com. Earn 3x points at U.S. supermarkets, restaurants, gas stations, EV charging stations, air travel, and other hotel purchases. Earn 1x points on other purchases.

The Citi Strata Premier® Card is a rebranded version of the Citi Premier. It’s a mid-tier travel card with a great welcome offer and elevated rewards for most travel categories. You can get $100 annual hotel benefit that gives you $100 off a hotel stay ($500 or more excluding taxes and fees) booked through CitiTravel.com. That one benefit essentially wipes out the annual fee. Other travel benefits include Trip Delay Protection, Trip Cancellation and Interruption Protection, Lost or Damaged Luggage Protection, and more. And, of course, you’ll also earn elevated rewards on everyday purchases including gas, supermarkets, and restaurants.

1x points
On all other eligible purchases
Earn 1X points on all other purchases
3x points
U.S. supermarkets
Earn 3X points per dollar spent at U.S. supermarkets
3x points
Airfare
Earn 3X points per dollar spent on air travel
3x points
Hotels
Earn 3X points per dollar spent on other hotel purchases
3x points
Dining
Earn 3X points per dollar spent at restaurants
3x points
Gas
Earn 3X points per dollar spent at gas stations and at EV charging stations
10x points
Select Categories
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved12/29/2023
814
Equifax
$12,000
Approved12/29/2023
829
Experian
$12,000
Approved12/29/2023
830
TransUnion
$12,000
Approved04/07/2023
804
TransUnion
$3,000
Approved04/07/2023
808
Experian
$3,000
Approved04/07/2023
816
Equifax
$3,000
Approved12/07/2023
791
TransUnion
$11,000
Approved12/07/2023
808
Equifax
$11,000
Approved12/07/2023
808
Experian
$11,000
Approved01/10/2023
803
Experian
$11,000
Approved11/04/2023
722
TransUnion
$7,000

Wells Fargo Choice Privileges® Mastercard®

Wells Fargo Choice Privileges Mastercard
Learn More

Our Rating: 4.4

★★★★★☆

Wells Fargo Choice Privileges® Mastercard®

Welcome Offer

Earn 40,000 bonus points

Est. Value

Up to 5 reward nights

Annual Fee

$0

APR

20.49%, 24.74%, or 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850, Excellent 740 – 850

Rewards: Earn 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases. Earn 3x points at grocery stores, gas stations, home improvement stores, and phone service plans. Earn 1x points on other purchases.

The Wells Fargo Choice Privileges® Mastercard® is a good choice if you prefer to stay at Choice Hotels. There is a welcome bonus, plus you earn elevated rewards in categories like home improvement stores, gas, groceries, and cell phone services. Cardholders will also enjoy World Elite Mastercard benefits such as concierge services, lost baggage reimbursement, and trip cancellation and interruption protection.

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
Earn 3x points on phone service plans
3x points
U.S. supermarkets
Earn 3x points on purchases at grocery stores
3x points
Select Categories
Earn 3x points on purchases at home improvement stores
3x points
Gas
Earn 3x points on purchases at gas stations
5x points
Hotels
Earn 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR
  • Requires good credit

Wells Fargo Choice Privileges® Select Mastercard®

Wells Fargo Choice Privileges Select Mastercard
Learn More

Our Rating: 4.4

★★★★★☆

Wells Fargo Choice Privileges® Select Mastercard®

Welcome Offer

60,000 bonus points

Est. Value

Up to 7 reward nights

Annual Fee

$95

APR

20.49%, 24.74%, or 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 10x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases. Earn 5x points at gas stations, home improvement stores, grocery stores, and on phone plan services. Earn 1x points on all other eligible purchases.

The Wells Fargo Choice Privileges® Select Mastercard® is for people who are loyal to Choice hotels and stay there several times a year. There is a welcome bonus worth up to 11 reward nights, plus elevated rewards at gas stations, grocery stores, home improvement stores, and cell phone service. There’s also a 30,000 point anniversary bonus which is enough to redeem for three reward nights at Choice hotels. The card offers automatic Platinum Elite membership so you can earn 25% bonus points and get some other perks when you book and stay at a qualifying Choice hotel.

1x points
On all other eligible purchases
Earn 1x point on all other eligible purchases
5x points
Cell phone service
Earn 5x points on phone plan services
5x points
U.S. supermarkets
Earn 5x points on grocery store purchases
5x points
Select Categories
Earn 5x points on home improvement store purchases
5x points
Gas
Earn 5x points on purchases at gas stations
10x points
Hotels
Get 10x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/27/2023
770
Experian
$4,000
Approved04/27/2023
763
Equifax
$4,000
Approved04/27/2023
787
TransUnion
$4,000
Approved10/17/2023
800
Not Provided
---
Approved04/05/2023
800
Experian
$12,500
Approved04/20/2023
775
Equifax
$14,000

Wells Fargo Attune(SM) Card 

Wells Fargo Attune
Learn More

Our Rating: 4.0

★★★★☆

Wells Fargo Attune(SM) Card

Welcome Offer

$100

Est. Value

$100

Annual Fee

$0

APR

20.24%, 25.24%, or 29.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 4% cash back on self-care purchases, including gyms, spas, and salons, on select streaming services, movies, books and music, on select sports, entertainment, and recreation purchases, including sports and concert tickets, amusement parks, zoos, tourist attractions, movie theaters, and more, and on impactful purchases, such as public transportation, EV charging, thrift stores, and other planet-friendly purchases. Earn 1% cash back on other purchases.

The Wells Fargo Attune(SM) Card is a new offering from Wells Fargo, launched in June of 2024. It’s a unique credit card that offers elevated rewards in categories not often featured for rewards. Cardholders earn 4% on a wide variety of categories. See the full list here. There’s a small welcome offer and a 0% introductory APR on purchases for the first 12 months, then 20.24%, 25.24%, or 29.99% variable APR.

1% cash back
On all other eligible purchases
Earn 1% cash back on other purchases
4% cash back
Select Categories
Earn 4% cash back on impactful purchases, such as public transportation, EV charging, thrift stores, and other planet-friendly purchases
4% cash back
Select Categories
Earn 4% cash back on self-care purchases, including gyms, spas, and salons
4% cash back
Streaming services
Earn 4% cash back on select streaming services, movies, books and music
4% cash back
Entertainment
Earn 4% cash back on select sports, entertainment, and recreation purchases, including sports and concert tickets, amusement parks, zoos, tourist attractions, movie theaters, and more.

Pros

  • Welcome offer
  • No annual fee
  • Up to 4% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved06/07/2024
802
Experian
---
Approved06/12/2024
776
Experian
$12,000
Approved06/17/2024
814
Experian
$9,500
Approved06/11/2024
815
Not Provided
$4,000
Approved06/16/2024
779
Experian
$7,000
Approved06/09/2024
844
Not Provided
$30,000
Approved06/13/2024
790
Not Provided
$10,000
Approved06/10/2024
835
Not Provided
$20,000
Approved06/09/2024
795
Experian
$7,500
Approved06/09/2024
820
Not Provided
$25,000
Approved06/10/2024
790
Not Provided
$30,000
Denied06/07/2024
690
Not Provided
---
Denied06/07/2024
805
Not Provided
---
Denied06/06/2024
691
Equifax
---
Denied06/06/2024
692
TransUnion
---
Denied06/06/2024
741
Experian
---
Denied06/13/2024
827
Experian
---
Denied06/13/2024
835
Experian
---
Denied06/13/2024
835
TransUnion
---
Denied06/07/2024
720
Experian
---
Denied06/07/2024
830
Not Provided
---
Denied06/07/2024
800
Not Provided
---
Denied06/10/2024
773
Not Provided
---
Denied06/07/2024
820
Not Provided
---
Denied06/07/2024
800
Not Provided
---
Denied06/10/2024
794
Equifax
---
Denied06/10/2024
795
TransUnion
---
Denied06/10/2024
804
Experian
---

Summary

Triple play credit cards are an excellent complement to your daily driver card. The best ones for you are the cards that offer 3% or more in categories where you spend the most money. What works for your spending is unique to you, so choose a card with that in mind.

Gail Kellner is an editorial assistant and contributing writer for Allcards.com and DoughRoller.net. According to family lore, money was one of her first words (“Mun-ya”) and ever since then, she’s been fascinated with money and investing. She has a B.A. in Psychology from Western CT State University and an M.S. in College Student Personnel from Indiana State University. She lives with her husband, two sons, and various fur-children in Westfield, MA. In her spare time, she writes YA and children’s fiction, reads, and enjoys a good nap.