Leisure spending often makes up a big portion of an individual’s price range. 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 any case, leisure can embody live shows, streaming subscriptions and past. In the event you’re presently trying to maximize this ambiguous class, take into account one of many following playing cards.
The perfect bank cards to maximise your leisure spending
| Card | Welcome bonus | Leisure rewards fee | 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 inside 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 inside 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 12 months, then $95 |
| Capital One Savor Money Rewards Credit score Card | Earn a one-time $200 money bonus after spending $500 in purchases inside 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 12 months. | 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 costs) | 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 offered by the cardboard issuer.
Be aware that Capital One solely means that you can 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 involved in a Capital One card in your leisure purchases, preserve Capital One’s restrictions in thoughts as you intend an software technique.
Which purchases code as leisure?
Leisure spending can theoretically embody lots of various things. And plenty of stuff you’d assume would fall underneath that umbrella find yourself coding in a different way on a bank card assertion.
Associated: The best way to use the Amex Platinum leisure credit score
Amusement parks, ski passes and dinner exhibits 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 inside the leisure class, specifying which playing cards could also be finest for issues like streaming companies, 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 supply helpful earnings charges on ticket purchases by means of Capital One Leisure. In the event you’re trying to maximize leisure earnings, make the most of one in every of these playing cards.
Capital One Enterprise X
Annual price: $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 based mostly on TPG’s August 2025 valuations.
Incomes charges:
- 10 miles per greenback spent on accommodations 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 affords premium perks like lounge entry, and annual $300 journey credit score, anniversary bonus miles and journey protections. The factors earned on this card will be transferred to Capital One’s 15-plus switch companions. The cardboard virtually pays for itself 12 months after 12 months.
Take a look at our full Enterprise X card evaluate for extra particulars.
Be taught 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 supply: Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening. This supply is price $2,778 based mostly on TPG’s August 2025 valuations.
Earnings fee:
- 10 miles per greenback spent on accommodations 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 most of the similar perks. For small-business house owners who spend quite a bit on stay leisure, this might be a stable choice.
Take a look at the Enterprise X Enterprise card evaluate for extra particulars.
Be taught extra: Capital One Enterprise X Enterprise
Associated: Is the Enterprise X Enterprise definitely worth the $395 annual price?
Capital One Enterprise Rewards
Annual price: $95.
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening. This supply is price $1,388 based mostly on TPG’s August 2025 valuations.
Earnings fee:
- 5 miles per greenback spent on accommodations, 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 important choice for not solely your leisure spending but additionally all of your each day purchases.
Take a look at the Enterprise Rewards card evaluate for extra particulars.
Be taught 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 12 months; $95 thereafter.
Welcome supply: Earn 50,000 miles after spending $4,500 on purchases inside the first three months of account opening. This supply is price $925 based mostly on TPG’s August 2025 valuations.
Incomes charges:
- 5 miles per greenback spent on accommodations, 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 important card for on a regular basis purchases and your leisure spending.
Take a look at the Spark Miles for Enterprise card evaluate for extra particulars.
Be taught extra: Spark Miles for Enterprise
Associated: Capital One Spark Money Plus vs. Spark Miles for Enterprise: Which is best for your corporation?
Capital One Savor Money Rewards
Annual price: $0.
Welcome supply: Earn a one-time $200 money bonus after spending $500 in purchases inside 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 12 months.
Incomes charges:
- 8% money again on Capital One Leisure purchases
- 3% on eating, leisure, well-liked streaming companies 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, live shows, sporting occasions, vacationer points of interest, theme parks, aquariums, zoos, dance golf equipment, bowling alleys, pool halls, document shops and video rental areas.
Why we prefer it: With the Capital One Savor, anybody spending a good portion of their price range 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, for those who pair this card with a Enterprise card, you have received your self a pleasant card duo.
Take a look at the Capital One Savor card evaluate for extra particulars.
Be taught 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 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 checklist: Drugstores, health golf equipment, gasoline stations, grocery shops, house 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: live shows, 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 mechanically selects your 5% bonus class in case your spending habits change.
Take a look at the Citi Customized Money evaluate for extra particulars.
Citi Strata Card
Annual price: $0.
Welcome supply: Earn 30,000 bonus factors after spending $1,000 within the first three months. This supply is price $570 based mostly on TPG’s August 2025 valuations.
Incomes charges:
- 5 factors per greenback spent on accommodations, automotive 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 gasoline purchases
- 3 factors per greenback spent on an eligible self-select class (these embody: health Golf equipment, choose streaming companies, stay leisure, beauty Shops, barber retailers 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 fascinating proposition as a result of it has no annual price and no spending cap on how a lot you may 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.
Take a look at the Citi Strata card evaluate for extra particulars.
Apply right here: Citi Strata Card
Associated: When (and why) you need 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 inside the first 90 days of account opening.
Welcome bonus: Earn a $200 rewards bonus after spending $1,000 in eligible purchases inside 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 gasoline stations and EV charging, grocery shops or eating places
- 1% in all places 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 companies. This contains well-liked companies reminiscent of 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 price. Moreover, it is good you may choose two 5% again classes for those who do not spend $2,000 yearly on leisure. Simply do not forget, it’s important to decide in every quarter and choose your most popular bonus classes to earn the upper rewards charges.
Take a look at the U.S. Financial institution Money+ Visa Signature card evaluate for extra particulars.
Think about a flat-rate card
An alternative choice for leisure spending is a fixed-rate card. There are a lot 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 12 months).
Or if money again is extra your fashion, a card just like the Citi Double Money® Card (see charges and costs) or Chase Freedom Limitless® (see charges and costs) can be a viable choice.
The Citi Double Money earns 2% on each buy (1% once you purchase and 1% once 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’ll pair them with others inside their issuer lineups to maximise your redemption choices and worth.
Think about playing cards with assertion credit
Playing cards just like the Chase Sapphire Reserve® (see charges and costs) and the Citi Strata Elite℠ Card (see charges and costs) supply assertion credit you need to use on stay leisure that would make including one in every 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 score, which can be utilized at 5 retailers, together with Stay Nation (a ticket reserving platform).
Associated: Citi Strata Elite evaluate
Do not forget about unique entry perks
Maximizing bank cards entails extra than simply rewards (although incomes rewards is basically a part of that equation).
Associated: Playing cards that supply 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 extra rewards on these purchases and offers alternatives for enhanced experiences.
Simply keep in mind that some purchases could not code inside the leisure class, relying on how and the place you make your buy. In the event 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 perfect bank cards for every bonus class
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