Best credit card for Temu

The Bilt Palladium Card earns the most at Temu: about 4.0% back.

Best overall
4.0%
2x points

Base rate on everything

Best with no annual fee

counts as Amazon & Online Shopping · 3% on up to $6,000 per year, then 1%

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Every card ranked at Temu

Value points as
  1. 1
    Bilt Palladium Card
    $495/yr · Base rate on everything
    4.0%
    2x points
  2. 2
    Capital One Venture Rewards Credit Card
    $95/yr · Base rate on everything
    3.7%
    2x points
  3. 3
    Capital One Venture X Rewards Credit Card
    $395/yr · Base rate on everything
    3.7%
    2x points
  4. 4
    Blue Cash Everyday® Card from American Express
    No annual fee · counts as Amazon & Online Shopping · 3% on up to $6,000 per year, then 1%
    3.0%
    3% back
  5. 5
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · counts as Amazon & Online Shopping · if you pick it as your bonus category · 3% in the category you choose (change monthly); $2,500 combined quarterly cap with the 2% categories
    3.0%
    3% back
  6. 6
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  7. 7
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  8. 8
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  9. 9
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  10. 10
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
Show all 106 cards
  1. 11
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  2. 12
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  3. 13
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  4. 14
    T-Mobile Visa®
    No annual fee · Base rate on everything
    2.0%
    2x points
  5. 15
    Hilton Honors American Express Surpass® Card
    $150/yr · counts as Amazon & Online Shopping · 4x on U.S. online retail purchases
    2.0%
    4x points
  6. 16
    American Express® Gold Card
    $325/yr · Base rate on everything
    2.0%
    1x points
  7. 17
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  8. 18
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  9. 19
    Chase Sapphire Preferred® Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  10. 20
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  11. 21
    Bilt Obsidian Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  12. 22
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  13. 23
    Citi Strata Premier℠ Card
    $95/yr · Base rate on everything
    1.9%
    1x points
  14. 24
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  15. 25
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  16. 26
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  17. 27
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  18. 28
    Citi® / AAdvantage® MileUp® Card
    No annual fee · Base rate on everything
    1.6%
    1x points
  19. 29
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  20. 30
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  21. 31
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  22. 32
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  23. 33
    Hilton Honors American Express Card
    No annual fee · Base rate on everything
    1.5%
    3x points
  24. 34
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  25. 35
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  26. 36
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  27. 37
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  28. 38
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  29. 39
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  30. 40
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  31. 41
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  32. 42
    IHG One Rewards Premier Credit Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  33. 43
    REI Co-op® Mastercard®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  34. 44
    The One Key® Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  35. 45
    BJ’s One® Mastercard®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  36. 46
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  37. 47
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · Base rate on everything
    1.4%
    1x points
  38. 48
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  39. 49
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  40. 50
    Marriott Bonvoy Bountiful™ Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  41. 51
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · Base rate on everything
    1.4%
    2x points
  42. 52
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  43. 53
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  44. 54
    United Quest℠ Card
    $350/yr · Base rate on everything
    1.4%
    1x points
  45. 55
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  46. 56
    JetBlue Plus Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  47. 57
    Aer Lingus Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  48. 58
    British Airways Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  49. 59
    Iberia Visa Signature® Credit Card
    $95/yr · Base rate on everything
    1.3%
    1x points
  50. 60
    Southwest Rapid Rewards® Plus Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  51. 61
    Southwest Rapid Rewards® Premier Credit Card
    $149/yr · Base rate on everything
    1.3%
    1x points
  52. 62
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  53. 63
    Wyndham Rewards Earner® Plus Card
    $75/yr · Base rate on everything
    1.1%
    1x points
  54. 64
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  55. 65
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  56. 66
    Delta SkyMiles® Platinum American Express Card
    $350/yr · Base rate on everything
    1.1%
    1x points
  57. 67
    Delta SkyMiles® Gold American Express Card
    $150/yr · Base rate on everything
    1.1%
    1x points
  58. 68
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  59. 69
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · Base rate on everything
    1.0%
    1% back
  60. 70
    Chase Freedom Flex®
    No annual fee · Base rate on everything
    1.0%
    1x points
  61. 71
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  62. 72
    AT&T Points Plus® Card from Citi
    No annual fee · Base rate on everything
    1.0%
    1x points
  63. 73
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  64. 74
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  65. 75
    Navy Federal More Rewards American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  66. 76
    Cashback Rewards Plus American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  67. 77
    American Express® Blue Cash Preferred® Card
    $95/yr · Base rate on everything
    1.0%
    1% back
  68. 78
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  69. 79
    Barclays View™ Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  70. 80
    Citi Strata℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  71. 81
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    Capital One Savor Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  73. 83
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  74. 84
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  75. 85
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  76. 86
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  77. 87
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  78. 88
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  79. 89
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  80. 90
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  81. 91
    IHG One Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    2x points
  82. 92
    L.L.Bean® Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1x points
  83. 93
    Disney® Inspire Visa® Card
    $149/yr · Base rate on everything
    1.0%
    1x points
  84. 94
    Disney® Premier Visa® Card
    $49/yr · Base rate on everything
    1.0%
    1x points
  85. 95
    Disney® Visa® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  86. 96
    Instacart Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  87. 97
    DoorDash Rewards Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  88. 98
    Kohl's Rewards® Visa
    No annual fee · Base rate on everything
    1.0%
    1x points
  89. 99
    Bass Pro Shops CLUB Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  90. 100
    Williams Sonoma Key Rewards® Visa
    No annual fee · Base rate on everything
    1.0%
    1x points
  91. 101
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee · Base rate on everything
    0.9%
    1x points
  92. 102
    Marriott Bonvoy Bold® Credit Card
    No annual fee · Base rate on everything
    0.7%
    1x points
  93. 103
    Choice Privileges® Select Mastercard®
    $95/yr · Base rate on everything
    0.6%
    1x points
  94. 104
    Bread Rewards® American Express® Credit Card
    No annual fee · Base rate on everything
    0.5%
    1x points
  95. 105
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  96. 106
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Rates are effective value per dollar (points × what a point is worth to you). Rankings reflect PayWithThis’s own methodology; we’re independent and not paid by issuers. Verify current terms with the issuer.

Common questions

What's the best credit card to use at Temu?

The Bilt Palladium Card earns the most at Temu: about 4.0% back. The best card with no annual fee is the Blue Cash Everyday® Card from American Express at 3.0%.

What do purchases at Temu count as for credit card rewards?

Purchases at Temu usually code as Amazon & Online Shopping. Online retail purchases — Amazon and other U.S. online stores (each card defines 'online retail' slightly differently).

Which of my cards should I use at Temu?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at Temu.

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