Best Credit Cards in Utah
Top 10 cards ranked for UT spending patterns · Updated April 2026
Large families drive grocery spending. Outdoor recreation and ski resorts make travel rewards valuable.
Dining
-10%
vs national avg
Groceries
+10%
vs national avg
Travel
+5%
vs national avg
Gas
+5%
vs national avg
Top 10 Cards for Utah Residents
Chase · $99/yr · 26x IHG hotels, 5x travel/dining/gas, 3x everything else
+$1319
net/year
American Express · $150/yr · 12x Hilton, 6x restaurants/supermarkets/gas, 3x everything else
+$1213
net/year
American Express · $0/yr · 7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
+$1202
net/year
Chase · $95/yr · 5x travel via Chase, 3x dining, 2x other travel, 1x everything else
+$844
net/year
Chase · $95/yr · 6x Marriott Bonvoy hotels, 3x groceries/gas/dining, 2x everything else
+$839
net/year
Chase · $0/yr · 5% travel via Chase, 3% dining & drugstores, 1.5% everything else
+$563
net/year
American Express · $95/yr · 6% groceries & streaming, 3% transit & gas, 1% everything else
+$560
net/year
American Express · $250/yr · 4x restaurants & groceries, 3x flights, 1x everything else
+$527
net/year
Citi · $95/yr · 3x flights, hotels, restaurants, supermarkets & gas, 1x everything else
+$494
net/year
Citi · $95/yr · 10x hotels/car rentals via Citi, 3x air travel/restaurants/supermarkets/gas, 1x everything else
+$494
net/year