Does any credit card offer more than 2% cash back at Total Wine & More?

Yes — Chase Freedom Flex® at 5%, Blue Cash Everyday® Card from Amex at 3%, Bank of America® Customized Cash Rewards at 3% all earn more than 2% at Total Wine & More.

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Best Credit Card for Total Wine & More in 2026

Q: What is the best credit card to use at Total Wine & More?

The top listed card at Total Wine & More is the Chase Freedom Flex®, showing up to 5% cash back. 5% at Amazon.com — Q2 2026 ACTIVE (Amazon is the eligible online-shopping rotation for Q2 2026; other online stores are not automatically included)

We ranked major rewards cards by the rates and caveats we track for Total Wine & More. The top listed option shows up to 5% — review the notes before relying on it.

8 cards earning 2%+ at Total Wine & More · sorted by highest cash back · updated Q2 2026

✅ Data last verified: 2026-05-30

Rankings use issuer/product-page reward terms where available. Rotating categories, legacy cards, and needs-review cards are labeled separately so old or uncertain offers do not look like normal applyable recommendations.

Chase Freedom Flex®

Chase

5% at Amazon.com — Q2 2026 ACTIVE (Amazon is the eligible online-shopping rotation for Q2 2026; other online stores are not automatically included)

✅ Active this quarter · activate to earn

Annual fee: No annual fee

cash back

View Issuer Terms — up to 5% cash back here →

Why #1: This rotating category is active right now — consider this card at Total Wine & More for up to 5% cash back this quarter after issuer activation.

Blue Cash Everyday® Card from Amex

American Express

3% on U.S. online retail purchases (up to $6,000/yr)

Annual fee: No annual fee

cash back

View Issuer Terms — up to 3% cash back here →

Why #2: Solid up-to-3% cash back option at Total Wine & More. No annual fee — easy to hold long-term.

Bank of America® Customized Cash Rewards

Bank of America

3% on your chosen category (gas, online shopping, dining, travel, drug stores, or home improvement)

Annual fee: No annual fee

cash back

View Issuer Terms — up to 3% cash back here →

Why #3: Solid up-to-3% cash back option at Total Wine & More. No annual fee — easy to hold long-term.

Robinhood Gold Card

Robinhood / Sutton Bank

3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.

Annual fee: No annual fee

cash back

View Issuer Terms — up to 3% cash back here →

Why #4: Solid up-to-3% cash back option at Total Wine & More. No annual fee — easy to hold long-term.

Alliant Cashback Visa® Signature Card

Alliant Credit Union

2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)

Annual fee: No annual fee

2.5%

cash back

View Issuer Terms — up to 2.5% cash back here →

Why #5: Earns 2.5% cash back on purchases including Total Wine & More. A reliable flat-rate option when category bonuses do not apply.

Citi Double Cash® Card

Citi

2% on everything (1% when you buy + 1% when you pay)

Annual fee: No annual fee

cash back

View Issuer Terms — up to 2% cash back here →

Why #6: Earns 2% cash back on purchases including Total Wine & More. A reliable flat-rate option when category bonuses do not apply.

Wells Fargo Active Cash® Card

Wells Fargo

2% cash rewards on all purchases, no limits

Annual fee: No annual fee

cash back

View Issuer Terms — up to 2% cash back here →

Why #7: Earns 2% cash back on purchases including Total Wine & More. A reliable flat-rate option when category bonuses do not apply.

Fidelity® Rewards Visa Signature®

Fidelity / Elan

2% on all purchases (deposited into Fidelity account)

Annual fee: No annual fee

cash back

View Issuer Terms — up to 2% cash back here →

Why #8: Earns 2% cash back on purchases including Total Wine & More. A reliable flat-rate option when category bonuses do not apply.

Frequently Asked Questions

What is the best credit card to use at Total Wine & More?

The top listed card at Total Wine & More right now is the Chase Freedom Flex®, showing up to 5% cash back. 5% at Amazon.com — Q2 2026 ACTIVE (Amazon is the eligible online-shopping rotation for Q2 2026; other online stores are not automatically included)

Does any credit card offer more than 2% at Total Wine & More?

Yes — the Chase Freedom Flex® at 5%, the Blue Cash Everyday® Card from Amex at 3%, the Bank of America® Customized Cash Rewards at 3% all earn above 2% at Total Wine & More.

What are rotating category credit cards?

Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When Total Wine & More's category is active, these cards can be the top earners.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.