Best Credit Cards in Arizona
Top 10 cards ranked for AZ spending patterns · Updated April 2026
Snowbird destination with growing dining scenes in Phoenix and Scottsdale. Gas rewards matter for desert road trips.
Dining
Avg
vs national avg
Groceries
-5%
vs national avg
Travel
+5%
vs national avg
Gas
+10%
vs national avg
Top 10 Cards for Arizona Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1323
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1191
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1184
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$827
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$826
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$566
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$514
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$508
net/year
Chase · $0/yr · 5% rotating categories, 3% dining & drugstores, 1.5% travel via Chase, 1% everything else
+$488
net/year
Citi · $95/yr · 3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
+$485
net/year