Leisure spending normally makes up a big portion of an individual’s funds. Regardless of this being a traditionally frequent spending class, few playing cards explicitly provide bonus rewards for leisure spending.
That is in all probability because of the class’s ambiguity — in any case, leisure can embody concert events, streaming subscriptions and past. In the event you’re at present seeking to maximize this ambiguous class, take into account one of many following playing cards.
The very best bank cards to maximise your leisure spending
| Card | Welcome bonus | Leisure rewards charge | Annual price |
|---|---|---|---|
| Capital One Enterprise X Rewards Credit score Card |
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. | 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform (a 9.25% return, per TPG’s August 2025 valuations) | $395 |
| Capital One Enterprise X Enterprise | Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening.
|
5 miles per greenback spent on purchases made by means of the Capital One Leisure platform (a 9.25% return) | $395 |
| Capital One Enterprise Rewards Credit score Card | Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening. | 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform (a 9.25% return) | $95 |
| Capital One Spark Miles for Enterprise | Earn 50,000 miles after spending $4,500 on purchases throughout the first three months of account opening. | 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform (a 9.25% return) | $0 first yr, then $95 |
| Capital One Savor Money Rewards Credit score Card | Earn a one-time $200 money bonus after spending $500 in purchases throughout the first three months of account opening. Plus, get pleasure from a $100 Capital One Journey credit score to make use of within the first cardholder yr. | 3% money again (or 8% if bought by means of Capital One Leisure) | $0 |
| Citi Customized Money® Card* | Earn $200 money again after spending $1,500 on purchases within the first six months of account opening | 5% money again every billing cycle on the primary $500 of purchases within the class of your selecting, together with stay leisure | $0 |
| Citi Strata℠ Card (see charges and charges) | Earn 30,000 bonus factors after spending $1,000 within the first three months. | 3 factors per greenback spent in a self-select class, which incorporates stay leisure | $0 |
| U.S. Financial institution Money+ Visa Signature Card*
|
Earn a $200 rewards bonus after spending $1,000 within the first 90 days. | 5% money again in your first $2,000 in mixed eligible purchases every quarter on two classes you select | $0 |
*The info for the Citi Customized Money and the U.S. Financial institution Money+ Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Word that Capital One solely lets you carry two private Capital One branded playing cards at a time and tends to limit you to at least one new card each six months, together with each enterprise and private playing cards.
In the event you’re concerned about a Capital One card to your leisure purchases, preserve Capital One’s restrictions in thoughts as you propose an utility technique.
Which purchases code as leisure?
Leisure spending can theoretically embody a number of various things. And lots of belongings you’d assume would fall underneath that umbrella find yourself coding in another way on a bank card assertion.
Associated: Tips on how to use the Amex Platinum leisure credit score
Amusement parks, ski passes and dinner reveals are all bills that would simply be coded as journey or eating relying on the cardboard, the precise service provider and the place you make the acquisition.
You will get extra area of interest throughout the leisure class, specifying which playing cards could also be greatest for issues like streaming providers, Amazon purchases, music festivals and sporting occasions.
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What’s Capital One Leisure?
Capital One Leisure is Capital One’s ticketing platform, providing entry to music, sports activities and eating occasions.
The Capital One playing cards talked about on this information provide useful earnings charges on ticket purchases by means of Capital One Leisure. In the event you’re seeking to maximize leisure earnings, make the most of one in every of these playing cards.
Capital One Enterprise X
Annual price: $395.
Welcome provide: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. This provide is price $1,388 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 10 miles per greenback spent on motels and rental automobiles booked by means of the Capital One Journey portal
- 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform
- 5 miles per greenback spent on flights and trip leases booked by means of the Capital One journey portal
- 2 miles per greenback spent on all different purchases
How leisure is outlined: With this card, leisure purchases are merely outlined as purchases made by means of the Capital One Leisure platform.
Why we prefer it: The Enterprise X gives premium perks like lounge entry, and annual $300 journey credit score, anniversary bonus miles and journey protections. The factors earned on this card may be transferred to Capital One’s 15-plus switch companions. The cardboard virtually pays for itself yr after yr.
Try our full Enterprise X card assessment for extra particulars.
Study extra: Capital One Enterprise X
Associated: Who ought to (and should not) get the Capital One Enterprise X card?
Capital One Enterprise X Enterprise
Annual price: $395.
Welcome provide: Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening. This provide is price $2,778 primarily based on TPG’s August 2025 valuations.
Earnings charge:
- 10 miles per greenback spent on motels and rental automobiles booked by means of the Capital One Journey portal
- 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform
- 5 miles per greenback spent on flights and trip leases booked by means of the Capital One journey portal
- 2 miles per greenback spent on all different purchases
How leisure is outlined: With this card, leisure purchases are merely outlined as purchases made by means of the Capital One Leisure platform.
Why we prefer it: Like its private counterpart the Enterprise X, the Enterprise X Enterprise shares lots of the similar perks. For small-business house owners who spend so much on stay leisure, this might be a strong choice.
Try the Enterprise X Enterprise card assessment for extra particulars.
Study extra: Capital One Enterprise X Enterprise
Associated: Is the Enterprise X Enterprise well worth the $395 annual price?
Capital One Enterprise Rewards
Annual price: $95.
Welcome provide: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening. This provide is price $1,388 primarily based on TPG’s August 2025 valuations.
Earnings charge:
- 5 miles per greenback spent on motels, rental automobiles and trip leases booked by means of the Capital One Journey portal
- 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform
- 2 miles per greenback spent on every part else
How leisure is outlined: With this card, leisure purchases are merely outlined as purchases made by means of the Capital One Leisure platform.
Why we prefer it: The Enterprise Rewards has a modest annual price, and you may earn no less than 2 miles per greenback spent on each buy. This makes it an amazing choice for not solely your leisure spending but additionally all of your every day purchases.
Try the Enterprise Rewards card assessment for extra particulars.
Study extra: Capital One Enterprise Rewards
Associated: Is the Capital One Enterprise Rewards card price it?
Capital One Spark Miles for Enterprise
Annual price: $0 introductory annual price within the first yr; $95 thereafter.
Welcome provide: Earn 50,000 miles after spending $4,500 on purchases throughout the first three months of account opening. This provide is price $925 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 5 miles per greenback spent on motels, rental automobiles and trip leases booked by means of the Capital One Journey portal
- 5 miles per greenback spent on purchases made by means of the Capital One Leisure platform
- 2 miles per greenback spent on every part else
How leisure is outlined: With this card, leisure purchases are merely outlined as purchases made by means of the Capital One Leisure platform.
Why we prefer it: Enterprise house owners preferring simplicity will just like the Spark Miles, which earns no less than 2 miles per greenback spent. This makes it an amazing card for on a regular basis purchases and your leisure spending.
Try the Spark Miles for Enterprise card assessment for extra particulars.
Study extra: Spark Miles for Enterprise
Associated: Capital One Spark Money Plus vs. Spark Miles for Enterprise: Which is best for your small business?
Capital One Savor Money Rewards
Annual price: $0.
Welcome provide: Earn a one-time $200 money bonus after spending $500 in purchases throughout the first three months of account opening. Plus, get pleasure from a $100 Capital One Journey credit score to make use of within the first cardholder yr.
Incomes charges:
- 8% money again on Capital One Leisure purchases
- 3% on eating, leisure, in style streaming providers and at grocery shops (excluding superstores like Walmart® and Goal®),
- 1% on all different purchases.
How leisure is outlined: Capital One defines leisure the identical throughout Savor playing cards, that means you may get bonus rewards on tickets to film theaters, performs, concert events, sporting occasions, vacationer points of interest, theme parks, aquariums, zoos, dance golf equipment, bowling alleys, pool halls, file shops and video rental areas.
Why we prefer it: With the Capital One Savor, anybody spending a good portion of their funds on eating and leisure will get nice worth from that card. In the event you e-book your leisure purchases by means of Capital One’s portal, you may get one of many highest returns available on the market. Plus, should you pair this card with a Enterprise card, you have acquired your self a pleasant card duo.
Try the Capital One Savor card assessment for extra particulars.
Study extra: Capital One Savor Money Rewards
Associated: Why the Capital One Enterprise X and the Savor Money make a dynamic duo
Citi Customized Money
Annual price: $0.
Welcome provide: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening.
Incomes charges:
- 5% money again every billing cycle on the primary $500 of purchases in your prime spending class from the next listing: Drugstores, health golf equipment, fuel stations, grocery shops, residence enchancment shops, stay leisure, eating places, choose transit, choose journey and choose streaming
- 1% money again on all different purchases
How leisure is outlined: Citi defines stay leisure as “ticket purchases for stay leisure, together with: concert events, stay sporting occasions, stay theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that present stay leisure (advantages), sporting camps, sports activities complexes the place you take part within the sport, private and non-private golf programs, nation golf equipment (together with membership charges), bowling alleys, film theaters, vacationer points of interest, museums and artwork galleries.”
Why we prefer it: For no annual price, you may earn 5% money again on the primary $500 spent on stay leisure every billing cycle. Plus, the cardboard routinely selects your 5% bonus class in case your spending habits change.
Try the Citi Customized Money assessment for extra particulars.
Citi Strata Card
Annual price: $0.
Welcome provide: Earn 30,000 bonus factors after spending $1,000 within the first three months. This provide is price $570 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 5 factors per greenback spent on motels, automobile leases and points of interest booked by means of the Citi journey portal
- 3 factors per greenback spent at supermarkets and on choose transit, EV charging and fuel purchases
- 3 factors per greenback spent on an eligible self-select class (these embrace: health Golf equipment, choose streaming providers, stay leisure, beauty Shops, barber outlets and hair salons and pet provide shops) (which you’ll be able to change every quarter)
- 2 factors per greenback spent at eating places
- 1 level per greenback spent on all different purchases
Why we prefer it: This card gives an fascinating proposition as a result of it has no annual price and no spending cap on how a lot you possibly can earn within the self-select class every quarter. Plus, there are a number of bonus-earning classes. The one draw back is that the factors earned cannot be transferred to all of Citi’s switch companions.
Try the Citi Strata card assessment for extra particulars.
Apply right here: Citi Strata Card
Associated: When (and why) it’s best to downgrade from the Citi Strata Premier to the Citi Strata Card
U.S. Financial institution Money+™ Visa Signature® Card
Annual price: $0.
Welcome bonus: Earn a $200 rewards bonus after spending $1,000 in eligible purchases throughout the first 90 days of account opening.
Welcome bonus: Earn a $200 rewards bonus after spending $1,000 in eligible purchases throughout the first 90 days of account opening.
Rewards:
- Earn 5% money again by choosing from two of 12 service provider classes every quarter in your first $2,000 mixed purchases
- 2% on one on a regular basis class, like fuel stations and EV charging, grocery shops or eating places
- 1% in every single place else.
How leisure is outlined: U.S. Financial institution gives two entertainment-related classes that earn 5% money again: film theaters and TV, web and streaming providers. This contains in style providers corresponding to Netflix, Hulu and Max. You’ll be able to go for each leisure classes each quarter to maximise money again.
Why we prefer it: This card gives compelling money again incomes charges for a card with out an annual price. Moreover, it is good you possibly can choose two 5% again classes should you do not spend $2,000 yearly on leisure. Simply remember, it’s a must to choose in every quarter and choose your most well-liked bonus classes to earn the upper rewards charges.
Try the U.S. Financial institution Money+ Visa Signature card assessment for extra particulars.
Take into account a flat-rate card
An alternative choice for leisure spending is a fixed-rate card. There are lots available on the market, starting from playing cards that earn money again and journey rewards to these catering to small-business house owners.
Enterprise vacationers can check out the Capital One Spark Miles for Enterprise, incomes 2 miles per greenback spent throughout each buy with a $95 annual price, (dropped within the first cardholder yr).
Or if money again is extra your type, a card just like the Citi Double Money® Card (see charges and charges) or Chase Freedom Limitless® (see charges and charges) can also be a viable choice.
The Citi Double Money earns 2% on each buy (1% whenever you purchase and 1% whenever you pay your invoice), whereas the Chase Freedom Limitless earns 1.5% again on all nonbonus classes. Each are no-annual-fee playing cards, and you may pair them with others inside their issuer lineups to maximise your redemption choices and worth.
Take into account playing cards with assertion credit
Playing cards just like the Chase Sapphire Reserve® (see charges and charges) and the Citi Strata Elite℠ Card (see charges and charges) provide assertion credit you should use on stay leisure that would make including one in every of these to playing cards to pockets worthwhile.
The Sapphire Reserve gives an annual as much as $300 StubHub/Viagogo credit score (as much as $150 biannually) by means of Dec. 31, 2027. The Citi Strata Elite gives an annual $200 Splurge credit score, which can be utilized at 5 retailers, together with Dwell Nation (a ticket reserving platform).
Associated: Citi Strata Elite assessment
Do not forget about unique entry perks
Maximizing bank cards includes extra than simply rewards (although incomes rewards is essentially a part of that equation).
Some prime journey playing cards provide unique perks for leisure occasions. Some issuers maintain invite-only occasions that grant you entry to buy hard-to-get tickets with a particular premium bank card. In these circumstances, it might make sense to make use of a card that does not essentially earn rewards on leisure purchases. All of it is determined by what you discover extra useful in every state of affairs.
Associated: Playing cards that provide VIP occasion entry
Backside line
Whether or not you’re a curler coaster aficionado, stand-up comedy fan or one thing in between, it is good to have a card that helps you earn further rewards on these purchases and gives alternatives for enhanced experiences.
Simply keep in mind that some purchases might not code throughout the leisure class, relying on how and the place you make your buy. In the event you aren’t certain how your buy will code, use a strong flat-rate card to make sure you’ll earn good rewards in your buy.
Associated: The very best bank cards for every bonus class
