Best Credit Cards for Healthcare
Medical services, hospitals, pharmacies, and health
4
4 MPD
2500
Quick Answer
The best credit card for healthcare is Citibank Rewards MasterCard
Why: 4 MPD with cap at $1,000 a month. Not excluded
Online spend only - excludes travel-related MCCs (3000-3999 range)
Top Cards for Healthcare
Citibank Rewards MasterCard
Not excluded
Note: Online spend only - excludes travel-related MCCs (3000-3999 range)
Rank
Woman's World MasterCard
Not excluded
Note: Online spend only
Rank
UOB Visa Signature
Not excluded
Note: Offline: Local contactless spend between $1,000-$1,200 | FCY: Foreign currency transactions between $1,000-$1,200
Rank
UOB Preferred Platinum Visa
Included in whitelist and not excluded
Rank
Choose Based on Your Spending
Light Spender
Under $500/month
Best:
Citibank Rewards MasterCard
No need to worry about caps with light spending
Moderate Spender
$500-2,000/month
Best:
Woman's World MasterCard
Balance between rate and cap utilization
Heavy Spender
Over $2,000/month
Best:
UOB Visa Signature
Maximize rewards with card pairing strategy
Understanding Healthcare MCC Codes
Healthcare includes the following Merchant Category Codes (MCC):
+90 more MCC codes in this category
Expert Tips for Healthcare
Maximize Monthly Caps
Most cards have monthly caps. Plan your spending to hit the cap without going over.
Consider Card Pairing
Use 2-3 cards to cover different categories and maximize overall rewards.
Check Online vs Offline
Some cards only work for online or offline transactions. Verify before spending.