Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Bonus Categories benefit details — No annual fee
3x on phone plan services (landline and cellphone)
3x at gas stations
3x at grocery stores
3x at home improvement stores
5x points per dollar at participating Choice Hotels properties
Earn bonus points or gift cards by hitting spending and stay milestones — card purchases count toward thresholds.