Best Credit Cards in Montana
Top 10 cards ranked for MT spending patterns · Updated April 2026
No sales tax and big sky road trips. Gas rewards are essential, and outdoor recreation drives travel spending.
Dining
-15%
vs national avg
Groceries
-5%
vs national avg
Travel
-5%
vs national avg
Gas
+20%
vs national avg
Top 10 Cards for Montana 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
+$1144
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1142
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$793
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$771
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$530
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$510
net/year
Citi · $0/yr · 2% on every purchase — 1% when you buy, 1% when you pay
+$466
net/year
Synchrony · $0/yr · 3% on PayPal purchases, 2% on everything else
+$466
net/year