Max Points Per Dollar: Best Cards by Category
Build the ultimate transferable points wallet to earn 4‑12x in every spending category.
Based on: Best Card for Points in EVERY Category by Ben Hedges
▶ Watch the source video on YouTube
Build the ultimate transferable points wallet to earn 4‑12x in every spending category.
Based on: Best Card for Points in EVERY Category by Ben Hedges
▶ Watch the source video on YouTube
What if you're leaving hundreds — maybe thousands — of dollars worth of free travel on the table every single month, simply because you're using the wrong credit card at the checkout? Most people swipe the same card for everything and never think twice about it. But the people who travel in business class for free? They're playing a completely different game. They know exactly which card to pull out at the gas pump, at the restaurant, and when booking a flight — and the difference in points earned is staggering. Ben Hedges, known as the Credit Shifu, has spent years breaking down the US credit card landscape so real people can use it to their advantage. In this video, he mapped out the single best card for transferable points in every major spending category — gas, transit, airfare, hotels, dining, groceries, internet and phone bills, and everything else. We turned that research into a clean, step-by-step action checklist you can print out and start using today. Here's what success looks like: you're earning five points per dollar on gas and phone bills, four points on groceries and dining, eight points when booking flights, and twelve points on hotels — all in transferable currencies like Chase Ultimate Rewards, Amex Membership Rewards, Citi ThankYou Points, and Capital One Miles, each worth around two cents per point according to the experts. That means every dollar you already spend is quietly building toward your next business class flight or luxury hotel stay. The cards in this checklist are ones you can actually apply for right now. No discontinued products, no gimmicks — just a practical wallet setup that works in the real world. Ben is transparent about the annual fees involved and helps you think through which cards actually make sense for your spending habits, so you don't end up paying thousands in fees chasing categories you rarely use. This checklist walks you through each spending category one by one, names the best card for each, flags the key restrictions and thresholds you need to know, and even highlights quarterly opportunities like the Chase Freedom Flex bonus categories. Stop guessing at the register. Pull out this checklist, match your spending to the right cards, and start earning the maximum transferable points on every single purchase you make.
Every checklist item comes with actionable notes to guide you — things like "Don't forget to do this before you start," "Avoid this common mistake," or "Set a reminder for 30 days out." Nothing vague, just clear next steps.
+ 15 more action items inside...
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