Bakeries
Check which credit cards earn the most rewards on bakeries purchases.
2x Miles (2 MPD)
Spend cap: No cap
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
5x Cash Back (5 MPD equiv.)
Spend cap: $1,500 per quarter in bonus categories
Rotating quarterly categories (must activate). No annual fee.
2% Cash Back (2 MPD equiv.)
Spend cap: No cap
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
3% Cash Back (3 MPD equiv.)
Spend cap: $6,000 per year in each category, then 1%
Earns 3% at US supermarkets, US gas stations, and US online retail (select merchants). $0 annual fee first year, then $95.
3x Points (3 MPD) (base rate)
5x Points (5 MPD) (base rate)
4x Points (4 MPD) (base rate)