Best Credit Cards in Tennessee
Top 10 cards ranked for TN spending patterns · Updated April 2026
Nashville's hot chicken and Memphis BBQ make dining cards essential. No state income tax is a bonus.
Dining
+10%
vs national avg
Groceries
-5%
vs national avg
Travel
Avg
vs national avg
Gas
Avg
vs national avg
Top 10 Cards for Tennessee Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1328
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1202
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1192
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$831
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$831
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$568
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$522
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$510
net/year
Chase · $0/yr · 5% rotating categories, 3% dining & drugstores, 1.5% travel via Chase, 1% everything else
+$491
net/year
Citi · $95/yr · 3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
+$486
net/year