Best Cards for EV Charging

Our assessment of cards ranked by effective return percentage. We calculate points × redemption value to show you the estimated earning potential.

Rankings and valuations reflect PayWithThis’s own editorial methodology. PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.

1
Chase Freedom Flex®
No Annual Fee•Chase Ultimate Rewards•$1,500 cap

This quarter (Q3 2026) · Activation required · $1,500 cap shared across all Q3 categories

Rotating (Quarterly)
10.00%
effective return
DetailsLearn More
2
Citi Strata Premier℠ Card
$95/year•ThankYou Points
5.70%
effective return
DetailsLearn More
3
Citi Strata℠ Card
No Annual Fee•ThankYou Points
5.70%
effective return
DetailsLearn More
4
Discover it® Cash Back
No Annual Fee•Cash Back•$1,500 cap

This quarter (Q3 2026) · Activation required · $1,500 cap shared across all Q3 categories

Rotating (Quarterly)
5.00%
effective return
DetailsLearn More
5
PenFed Platinum Rewards Visa Signature® Card
No Annual Fee•PenFed Points
4.25%
effective return
DetailsLearn More
6
Chase Sapphire Preferred® Card
$95/year•Chase Ultimate Rewards
4.00%
effective return
DetailsLearn More
7
Costco Anywhere Visa® Card by Citi
No Annual Fee•Cash Back•$7,000 cap

Combined $7,000 spend per year, and then 1%.

4.00%
effective return
DetailsLearn More
8
Costco Anywhere Visa® Business Card by Citi
No Annual Fee•Cash Back

Combined $7,000 in spend per year, and then 1%.

4.00%
effective return
DetailsLearn More
9
Blue Business® Plus Credit Card from American Express
No Annual Fee•Membership Rewards
4.00%
effective return
DetailsLearn More
10
Capital One Spark Miles for Business
$95/year•Capital One Miles
3.70%
effective return
DetailsLearn More

Our Methodology

We rank cards by effective return percentage, calculated as:

Effective Return = Category Multiplier × Base Point Valuation

This normalizes points, miles, and cash back into a single comparable metric.