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Reward credit cards sorted by the value of annual cashback/gift card rewards for an average US family.

By , September 18, 2008

You can find a more frequently updated version of the list below on You can also subscribed to the Cashback miles and points deals forum to get email alerts about the latest cashback deals.

This is the first iteration in making a list of US credit cards sorted by annual CashBack. The main challenge is to find info about average spending in “credit-card-friendly” categories. Right now, I use info about average US family spending pattern for񎧕 from Bureau of Labor Statistics ( see a PDF file here ). Those spending categories can not always be directly converted into credit card reward categories. I will keep working on finding a more relevant info.

Here is the list of BLS spending categories and corresponding average annual amounts for 2005 that I used.

Housekeeping supplies $611
Household operations $8ǡ
Alcohol $426
Tobacco $319
Entertainment $2388
Other vehicle expenses $2339
Gas $2013
Utilities $3183
General $ᗨ
Public transportation $448
Education $940
Groceries 񘬡
Personal care $541
Healthcare $2664
Apparel $1886
Reading $126
House furniture and equipment $1767
Insurance $381
Restaurants $2634

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