Best Credit Cards in Minnesota
Top 10 cards ranked for MN spending patterns · Updated April 2026
Mall of America shoppers and Minneapolis foodies benefit from dining and shopping rewards.
Dining
+5%
vs national avg
Groceries
Avg
vs national avg
Travel
-5%
vs national avg
Gas
Avg
vs national avg
Top 10 Cards for Minnesota Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1310
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1200
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1189
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$828
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$820
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$556
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$524
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$518
net/year
Citi · $95/yr · 3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
+$483
net/year
Citi · $95/yr · 10x hotels/car rentals via Citi, 3x air travel/restaurants/supermarkets/gas, 1x everything else
+$483
net/year