Best Credit Cards in Illinois
Top 10 cards ranked for IL spending patterns · Updated April 2026
Chicago's world-class restaurant scene means dining rewards pay off big. Transit riders benefit from commuter perks.
Dining
+20%
vs national avg
Groceries
Avg
vs national avg
Travel
+10%
vs national avg
Gas
+5%
vs national avg
Top 10 Cards for Illinois Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1413
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1280
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1259
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$895
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$882
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$607
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$574
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$540
net/year
Chase · $550/yr · 10x hotels via Chase, 5x flights via Chase, 3x dining, 1x everything else
+$539
net/year
Chase · $0/yr · 5% rotating categories, 3% dining & drugstores, 1.5% travel via Chase, 1% everything else
+$528
net/year