Best Credit Cards in North Carolina
Top 10 cards ranked for NC spending patterns · Updated April 2026
Research Triangle's growing economy and Charlotte's banking hub. Balanced spending calls for versatile rewards.
Dining
Avg
vs national avg
Groceries
-5%
vs national avg
Travel
-5%
vs national avg
Gas
Avg
vs national avg
Top 10 Cards for North Carolina Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1278
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1161
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1156
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$804
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$796
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$545
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$503
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$492
net/year
Citi · $0/yr · 2% on every purchase — 1% when you buy, 1% when you pay
+$470
net/year
