Best credit card to use at Reef.

Picks without a tag earn at Reef both in-store and online. Watch for theOnline onlytag — those bonuses only apply on reef.com.

1. #1
   
   US Bank Cash+ Visa Signatureif you select it

   U.S. Bank

   5% on select clothing if you select it as a bonus category (up to $2,000/quarter, then 1%)

   Choose 2 categories each quarter, up to $2,000 combined
   5%
2. #2
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
3. #3
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
4. #4
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
5. #5
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
6. #6
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
   2%
7. #7
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
8. #8
   
   Graphite Business Cash Unlimited

   American Express

   2% flat-rate cashback

   Unlimited 2% cash back on eligible purchases
   2%
9. #9
   
   Navy Federal cashRewards Plus

   Navy Federal

   2% flat-rate cashback

   Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
   2%
10. #10
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
11. #11
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
12. #12
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
13. #13
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Last updated July 9, 2026