Card Optimizer

Best credit card for Temu

The card that earns the most on a $100 purchase at Temu, out of the 106 cards we track.

Top pick

American Express Blue Business Plus

$3.00 on $100

3% back · $0 annual fee

  • 2x points base rate.
  • 200 Amex Membership Rewards points valued at 1.5¢ each.
See which of your cards wins at Temu

Also worth a look

  • Runner-up

    Robinhood Gold Card

    $3.00 on $100

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

  • Also good

    Bilt Palladium

    $3.00 on $100

    3% back · $495 annual fee

  • Also good

    American Express Blue Cash Everyday

    $3.00 on $100

    3% back · $0 annual fee

See the top 10 at Temu with rates, fees and why each earns what it does

  1. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  2. Robinhood Gold Card

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

    $3.00 on $100

    • 3% cash back base rate.

  3. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.

  4. American Express Blue Cash Everyday

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on online shopping.
    • The bonus rate covers up to $6,000 of spend a year.

  5. Bank of America Customized Cash Rewards

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on online shopping.
    • A category you picked for this card.
    • Counted with Online shopping picked as its 3% category.
    • The bonus rate covers up to $2,500 of spend a quarter.

  6. Citi Double Cash

    2.8% back · $0 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Citi ThankYou points valued at 1.4¢ each.

  7. Capital One Venture Business

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  8. Capital One Venture Rewards

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  9. Capital One Venture X Business

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  10. Capital One Venture X Rewards

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.