Leisure spending often makes up a big portion of an individual’s funds. Regardless of this being a traditionally frequent spending class, few playing cards explicitly supply bonus rewards for leisure spending.
That is most likely as a result of class’s ambiguity — in spite of everything, leisure can embody live shows, streaming subscriptions and past. When you’re at present seeking to maximize this ambiguous class, contemplate one of many following playing cards.
The most effective bank cards to maximise your leisure spending
| Card | Welcome bonus | Leisure rewards price | Annual charge |
|---|---|---|---|
| Capital One Venture X Rewards Credit 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 Venture X Business | 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 Venture Rewards Credit 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 Business | 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 Cash Rewards Credit 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 Custom Cash® 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 dwell leisure | $0 |
| Citi Strata℠ Card (see rates and fees) | 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 dwell leisure | $0 |
| U.S. Bank Cash+ 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 offered by the cardboard issuer.
Notice that Capital One solely lets you carry two private Capital One branded playing cards at a time and tends to limit you to 1 new card each six months, together with each enterprise and private playing cards.
When you’re concerned about a Capital One card in 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 variety of various things. And lots of stuff you’d assume would fall beneath that umbrella find yourself coding otherwise on a bank card assertion.
Associated: How to use the Amex Platinum entertainment credit
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 may get extra area of interest throughout the leisure class, specifying which playing cards could also be finest for issues like streaming services, Amazon purchases, music festivals and sporting events.
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What’s Capital One Leisure?
Capital One Entertainment 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 supply helpful earnings charges on ticket purchases by means of Capital One Leisure. When you’re seeking to maximize leisure earnings, make the most of certainly one of these playing cards.
Capital One Enterprise X
Annual charge: $395.
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. This supply is price $1,388 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 10 miles per greenback spent on inns and rental vehicles booked by means of the Capital One Travel 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 affords premium perks like lounge access, and annual $300 travel credit, anniversary bonus miles and journey protections. The factors earned on this card may be transferred to Capital One’s 15-plus transfer partners. The cardboard virtually pays for itself yr after yr.
Try our full Venture X card review for extra particulars.
Study extra: Capital One Venture X
Associated: Who should (and shouldn’t) get the Capital One Venture X card?
Capital One Enterprise X Enterprise
Annual charge: $395.
Welcome supply: Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening. This supply is price $2,778 primarily based on TPG’s August 2025 valuations.
Earnings price:
- 10 miles per greenback spent on inns and rental vehicles 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 identical perks. For small-business house owners who spend so much on dwell leisure, this could possibly be a stable possibility.
Try the Venture X Business card review for extra particulars.
Study extra: Capital One Venture X Business
Associated: Is the Venture X Business worth the $395 annual fee?
Capital One Enterprise Rewards
Annual charge: $95.
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening. This supply is price $1,388 primarily based on TPG’s August 2025 valuations.
Earnings price:
- 5 miles per greenback spent on inns, rental vehicles 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 the whole lot 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 charge, and you may earn at the least 2 miles per greenback spent on each buy. This makes it an incredible possibility for not solely your leisure spending but in addition all of your each day purchases.
Try the Venture Rewards card review for extra particulars.
Study extra: Capital One Venture Rewards
Associated: Is the Capital One Venture Rewards card worth it?
Capital One Spark Miles for Enterprise
Annual charge: $0 introductory annual charge within the first yr; $95 thereafter.
Welcome supply: Earn 50,000 miles after spending $4,500 on purchases throughout the first three months of account opening. This supply is price $925 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 5 miles per greenback spent on inns, rental vehicles 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 the whole lot 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 at the least 2 miles per greenback spent. This makes it an incredible card for on a regular basis purchases and your leisure spending.
Try the Spark Miles for Business card review for extra particulars.
Study extra: Spark Miles for Business
Associated: Capital One Spark Cash Plus vs. Spark Miles for Business: Which is better for your business?
Capital One Savor Money Rewards
Annual charge: $0.
Welcome supply: 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, well-liked 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 will get bonus rewards on tickets to film theaters, performs, live shows, sporting occasions, vacationer sights, theme parks, aquariums, zoos, dance golf equipment, bowling alleys, pool halls, report shops and video rental places.
Why we prefer it: With the Capital One Savor, anybody spending a good portion of their funds on dining and leisure will get nice worth from that card. When you e-book your leisure purchases by means of Capital One’s portal, you will get one of many highest returns available on the market. Plus, for those who pair this card with a Enterprise card, you’ve got acquired your self a pleasant card duo.
Try the Capital One Savor card review for extra particulars.
Study extra: Capital One Savor Cash Rewards
Associated: Why the Capital One Venture X and the Savor Cash make a dynamic duo
Citi Customized Money
Annual charge: $0.
Welcome supply: 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 record: Drugstores, health golf equipment, fuel stations, grocery shops, house enchancment shops, dwell leisure, eating places, choose transit, choose journey and choose streaming
- 1% money again on all different purchases
How leisure is outlined: Citi defines dwell leisure as “ticket purchases for dwell leisure, together with: live shows, dwell sporting occasions, dwell theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that present dwell 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 sights, museums and artwork galleries.”
Why we prefer it: For no annual charge, you will earn 5% money again on the primary $500 spent on dwell leisure every billing cycle. Plus, the cardboard robotically selects your 5% bonus class in case your spending habits change.
Try the Citi Custom Cash review for extra particulars.
Citi Strata Card
Annual charge: $0.
Welcome supply: Earn 30,000 bonus factors after spending $1,000 within the first three months. This supply is price $570 primarily based on TPG’s August 2025 valuations.
Incomes charges:
- 5 factors per greenback spent on inns, automobile leases and sights 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 embody: health Golf equipment, choose streaming providers, dwell 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 affords an attention-grabbing proposition as a result of it has no annual charge 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 transfer partners.
Try the Citi Strata card review for extra particulars.
Apply right here: Citi Strata Card
Associated: When (and why) you should downgrade from the Citi Strata Premier to the Citi Strata Card
U.S. Financial institution Money+™ Visa Signature® Card
Annual charge: $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 deciding on 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% all over the place else.
How leisure is outlined: U.S. Financial institution affords two entertainment-related classes that earn 5% money again: film theaters and TV, web and streaming providers. This contains well-liked providers resembling 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 affords compelling money again incomes charges for a card with out an annual charge. Moreover, it is good you possibly can choose two 5% again classes for those who do not spend $2,000 yearly on leisure. Simply do not forget, you must choose in every quarter and choose your most well-liked bonus classes to earn the upper rewards charges.
Try the U.S. Bank Cash+ Visa Signature card review for extra particulars.
Contemplate a flat-rate card
Another choice for leisure spending is a fixed-rate card. There are a lot available on the market, starting from playing cards that earn cash back and travel rewards to these catering to small-business owners.
Enterprise vacationers can check out the Capital One Spark Miles for Business, incomes 2 miles per greenback spent throughout each buy with a $95 annual charge, (dropped within the first cardholder yr).
Or if money again is extra your model, a card just like the Citi Double Cash® Card (see rates and fees) or Chase Freedom Unlimited® (see rates and fees) can also be a viable possibility.
The Citi Double Money earns 2% on each buy (1% while you purchase and 1% while you pay your invoice), whereas the Chase Freedom Limitless earns 1.5% again on all nonbonus classes. Each are no-annual-fee cards, and you may pair them with others inside their issuer lineups to maximise your redemption choices and worth.
Contemplate playing cards with assertion credit
Playing cards just like the Chase Sapphire Reserve® (see rates and fees) and the Citi Strata Elite℠ Card (see rates and fees) supply assertion credit you need to use on dwell leisure that would make including certainly one of these to playing cards to pockets worthwhile.
The Sapphire Reserve affords 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 affords an annual $200 Splurge credit, which can be utilized at 5 retailers, together with Dwell Nation (a ticket reserving platform).
Associated: Citi Strata Elite review
Remember about unique entry perks
Maximizing bank cards includes extra than simply rewards (although incomes rewards is essentially a part of that equation).
Some top travel cards supply 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 credit card. In these instances, it might make sense to make use of a card that does not essentially earn rewards on leisure purchases. All of it relies on what you discover extra helpful in every state of affairs.
Associated: Cards that offer VIP event access
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 offers alternatives for enhanced experiences.
Simply do not forget that some purchases could not code throughout the leisure class, relying on how and the place you make your buy. When you aren’t positive how your buy will code, use a stable flat-rate card to make sure you’ll earn good rewards in your buy.
Associated: The best credit cards for each bonus category