Best Credit Cards in Michigan
Top 10 cards ranked for MI spending patterns · Updated April 2026
Auto industry roots mean long commutes. Gas and grocery cards are king for Michigan families.
Dining
-5%
vs national avg
Groceries
Avg
vs national avg
Travel
-20%
vs national avg
Gas
+15%
vs national avg
Top 10 Cards for Michigan Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1260
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1172
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1162
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$807
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$764
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$524
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$520
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$480
net/year
Citi · $0/yr · 2% on every purchase — 1% when you buy, 1% when you pay
+$468
net/year
