14 Triple Play Credit Cards
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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
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.
Blue Cash Everyday® Card from American Express
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.
Chase Sapphire Preferred® Card
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
20.99% – 27.99% 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.
Chase Sapphire Reserve®
Our Rating: 4.9
Chase Sapphire Reserve®
Welcome Offer
Earn 60,000 bonus points
Est. Value
Up to $900
Annual Fee
$550
APR
21.99% – 28.99% 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.
Capital One Savor Cash Rewards Credit Card
Our Rating: 4.5
Capital One Savor Cash Rewards Credit Card
Welcome Offer
$250 Cash Back
Est. Value
$250
Annual Fee
$0
APR
19.74% – 29.74% 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.
Chase Freedom Unlimited®
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
19.99% – 28.74% 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.
Chase Freedom Flex®
Our Rating: 4.7
Chase Freedom Flex®
Welcome Offer
$200
Est. Value
$200
Annual Fee
$0
APR
19.99%–28.74% 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.
U.S. Bank Altitude® Connect Visa Signature® Card
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.
Wells Fargo AutographSM Card
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.
Wells Fargo Autograph Journey(SM) Card
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.
Citi Strata Premier® Card
Our Rating: 4.7
Citi Strata Premier® Card
Welcome Offer
70,000 bonus points
Est. Value
$700
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.
Wells Fargo Choice Privileges® Mastercard®
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.
Wells Fargo Choice Privileges® Select Mastercard®
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.
Wells Fargo Attune(SM) Card
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.
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.