Best Credit Cards in Kentucky
Top 10 cards ranked for KY spending patterns · Updated April 2026
Louisville's bourbon trail and growing food scene pair well with dining cards. Gas rewards for rural areas.
Dining
-10%
vs national avg
Groceries
-10%
vs national avg
Travel
-25%
vs national avg
Gas
+10%
vs national avg
Top 10 Cards for Kentucky Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1193
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1098
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1096
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$758
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$711
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$493
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$480
net/year
Citi · $0/yr · 2% on every purchase — 1% when you buy, 1% when you pay
+$445
net/year
Synchrony · $0/yr · 3% on PayPal purchases, 2% on everything else
+$445
net/year