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Which card should I use at CVS?

No card listed here has a rate of its own at CVS, so each one earns its category or base rate there. Every rate below was checked against the card issuer's or the store's own pages.

Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.

How purchases at CVS are counted

For online and phone orders of nonprescription items, CVS takes U.S.-issued Visa, Mastercard, Discover and American Express cards.

CVS runs the pharmacies inside Target stores, as CVS Pharmacy. The Target Circle Card's 5% off does not apply to prescriptions, over-the-counter items behind the pharmacy counter or clinic services at Target.

A purchase at the pharmacy inside Target may not count as a drugstore purchase: Barclays' terms for the AARP card leave out Target, and Chase's leave out discount stores that may have a pharmacy inside.

Cards at CVS

No annual fee

Cards at CVS: No annual fee
CardWhat it earns hereValue per $100
Chase Freedom Flex3x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$6.69
Chase Freedom Unlimited3x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$6.69
The Blue Business® Plus Credit Card from AmexBusiness2x pointsOn up to $50,000 a year across every purchase on this card, then 1x.$4.92
Citi Double Cash® Card2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank.$4.62
Chase Ink Business UnlimitedBusiness1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$3.35
Capital One VentureOne BusinessBusiness1.5x miles$3.27
AAA Daily Advantage Visa Signature3% cash back$3.00
AARP® Essential Rewards Mastercard® from Barclays3% in rewardsBarclays says the 3% may not apply if you pay with a phone or digital wallet.$3.00

Annual fee

Cards at CVS: Annual fee
CardWhat it earns hereValue per $100
Bilt Palladium Card2x points$5.02
Capital One Venture Rewards Credit Card2x miles$4.36
Capital One Venture BusinessBusiness2x miles$4.36
Capital One Venture X Rewards Credit Card2x miles$4.36
Capital One Venture X Business CardBusiness2x miles$4.36
Air France KLM Visa Signature1.5x miles$3.75
Citi Strata Elite℠ Card1.5x points$3.47
United Club℠ Business CardBusiness1.5x miles$3.45

Other cards earn here too. Check the cards you hold in Which Card.

A card is listed only once we have read its rate on the issuer's or the store's own page.

From credit unions and other member-only issuers

These cards pay more than their base rate here, but only members of the issuing institution can get them, so they sit outside the order above. They matter if you already hold one.

  • Nusenda Visa® Platinum Cash Rewards Credit Card: 5% cash back. From Nusenda Credit UnionUp to $75 in bonus cash a quarter across the quarter's bonus categories.In Q4 2026.

Questions

Does the Target Circle Card's 5% off apply at the pharmacy inside Target?
No. Target's rules for the card's 5% leave out prescriptions, over-the-counter items behind the pharmacy counter and clinic services.
Does Apple Card's 3% at Walgreens apply at CVS?
No. Apple's list of stores where Apple Card earns 3% Daily Cash names Walgreens, not CVS.

Sources

Every rate and store fact on this page comes from the issuer's or the store's own pages, checked between September 21, 2026 and November 7, 2026. Where a site refuses automated reading, we read its latest archived copy.

Store names are trademarks of their owners. PointBagel is not affiliated with them.