Best Credit Cards for Nurses: Maximizing Cashback & Travel Rewards

Nurses, with their demanding schedules and diverse spending habits, can significantly benefit from credit cards that offer robust cashback and travel rewards. Whether you're a full-time nurse, travel nurse, or healthcare professional, selecting the right credit card can enhance your financial flexibility and provide valuable perks. Below is a comprehensive guide to some of the top credit cards tailored for nurses, focusing on those available in the U.S., Canada, Australia, and the UK.

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Top Credit Cards for Nurses

1. Chase Sapphire Preferred® Card (U.S.)

• Best For: Comprehensive travel rewards with flexible redemption options.

• Rewards:

  • 5X points on travel purchased through Chase Ultimate Rewards.

  • 3X points on dining, select streaming services, and online grocery purchases.

  • 2X points on all other travel purchases.

  • 1X point on all other purchases.

• Annual Fee: $95.

• Perks:

  • 10% anniversary points boost.

  • Primary rental car insurance.

  • Trip delay and cancellation insurance.

  • No foreign transaction fees.

• Ideal For: Nurses who travel frequently and seek a card with comprehensive travel benefits.

2. Citi Double Cash® Card (U.S.)

• Best For: Simple and consistent cashback rewards.

• Rewards:

  • 2% cashback on every purchase: 1% when you buy, plus 1% as you pay.

  • 5% cashback on hotel, car rentals, and attractions booked through Citi Travel.

• Annual Fee: $0.

• Perks:

  • No rotating categories or enrollment required.

  • No foreign transaction fees.

• Ideal For: Nurses who prefer straightforward cashback without the need to track categories.

3. Capital One Savor Cash Rewards Credit Card (U.S.)

• Best For: Dining and entertainment expenses.

• Rewards:

  • 3% cashback on dining, entertainment, and popular streaming services.

  • 5% cashback on hotels and rental cars booked through Capital One Travel.

  • 8% cashback on Capital One Entertainment purchases.

  • 1% cashback on all other purchases.

• Annual Fee: $0.

• Perks:

  • No foreign transaction fees.

  • Access to exclusive events and experiences.

• Ideal For: Nurses who enjoy dining out and attending entertainment events.

4. American Express® Gold Card (U.S.)

• Best For: Grocery and dining rewards.

• Rewards:

  • 4X Membership Rewards points at restaurants worldwide.

  • 4X at U.S. supermarkets (up to $25,000 per year).

  • 3X on flights booked directly with airlines or on AmexTravel.com.

  • 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com.

  • 1X on all other purchases.

• Annual Fee: $325.

• Perks:

  • Dining credits at select restaurants.

  • No foreign transaction fees.

• Ideal For: Nurses who frequently dine out and shop for groceries.

5. Wells Fargo Autograph Visa Card (U.S.)

• Best For: Everyday spending with diverse category rewards.

• Rewards:

  • 3% cashback on dining, gas/EV charging, travel, transit, streaming, and phone plans.

  • 1% cashback on all other purchases.

• Annual Fee: $0.

• Perks:

  • Cellphone protection.

  • No foreign transaction fees.

• Ideal For: Nurses with varied spending habits across multiple categories.

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International Options

UK: NatWest Travel Reward Credit Card

• Best For: Overseas spending without foreign transaction fees.

• Rewards:

  • 1% cashback on overseas spending.

  • Up to 15% cashback with select partner retailers.

• Annual Fee: £0.

• Perks:

  • No foreign transaction fees.

  • High APR of 27.9%; advisable to pay off balances monthly.

• Ideal For: Nurses traveling abroad or making international purchases.

Canada: BMO World Elite™ Mastercard®

• Best For: Comprehensive travel and cashback rewards.

• Rewards:

  • 3% cashback on grocery store purchases.

  • 2% cashback on dining and food delivery.

  • 1% cashback on all other purchases.

• Annual Fee: $150.

• Perks:

  • Comprehensive travel insurance.

  • Airport lounge access.

• Ideal For: Canadian nurses seeking a balance between cashback and travel perks