Best Credit Cards for Healthcare
Medical services, hospitals, pharmacies, and health
2
2x Miles (2 MPD)
2500
Quick Answer
The best credit card for healthcare is Capital One Venture X
Why: 2x Miles (2 MPD) with no cap. No restrictions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Top Cards for Healthcare
Capital One Venture X
No restrictions
Note: Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Rank
Citi Double Cash
No restrictions
Note: Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
Capital One Venture X
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
Citi Double Cash
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
Capital One Venture X
Maximize rewards with card pairing strategy
Understanding Healthcare MCC Codes
Healthcare includes the following Merchant Category Codes (MCC):
+90 more MCC codes in this category
Expert Tips for Healthcare
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs On Site
Some cards only work for online or offline transactions. Verify before spending.