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Merchandise

Best credit card for merchandise

Every card in our verified catalog that multiplies merchandise, ranked by what a dollar of merchandise spending actually earns. Points and miles are valued at 1.25¢ each; caps and annual fees are part of the math, not footnotes.

CardRatePer $100CapAnnual fee
Freedom UnlimitedChase · drugstores3%$3.00NoneNone
Freedom FlexChase · drugstores3%$3.00NoneNone

The real answer depends on what else you spend

This table ranks cards in isolation. Connect your bank and WhatCard ranks them against your actual spending, net of every fee, including when the answer is “keep the cards you have.”

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