Best Credit Card for Salons & Spas
Compare the top credit cards for hair salons, nail salons, spas, and beauty services and find which one earns the most rewards.
Hair salons, nail salons, and spas often earn bonus rates on cards with a beauty or personal care category. These purchases typically code as personal care services, earning 1–3x on most rewards cards.
Top Pick
More Good Options
American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate (no bonus for Salons & Spas)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Salons & Spas)
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Citi ThankYou PointsCiti Double Cash2xpts/dollar3.6%return2x base rate (no bonus for Salons & Spas)
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Chase Ultimate RewardsChase Freedom Unlimited1.5xpts/dollar3.0%return1.5x base rate (no bonus for Salons & Spas)
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For hair salons, nail salons, spas, and beauty services, Bilt Palladium Card is currently our top overall pick at 2x, which works out to about 4.0% back using CardCurator's current point valuations. 2x base rate (no bonus for Salons & Spas). If you want a no-annual-fee option, Blue Business Plus Credit Card from American Express earns 2x there (4.0% effective return). At $500/month of spend, the top card is worth about $240/year before signup bonuses or statement credits. Updated June 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/salons
- Bilt Palladium Card: 2x and 4.0% effective return.
- At $500/month, that's about $240/year in rewards value before bonuses.
- Blue Business Plus Credit Card from American Express is the current no-fee fallback at 2x (4.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Salons & Spas?
The Bilt Palladium Card is currently the top pick for hair salons, nail salons, spas, and beauty services, earning 2x points per dollar — an effective 4.0% return.
How many points do you earn on Salons & Spas purchases?
The top-rated card for hair salons, nail salons, spas, and beauty services, the Bilt Palladium Card, earns 2x per dollar — an effective return of 4.0%.
Is there a no-annual-fee card that earns rewards on Salons & Spas?
Yes — the Blue Business Plus Credit Card from American Express earns 2x on hair salons, nail salons, spas, and beauty services with no annual fee (4.0% effective return).
Is a premium card worth the annual fee for Salons & Spas spending?
The Bilt Palladium Card ($495/yr) earns 2x on hair salons, nail salons, spas, and beauty services. If you spend $1,031/month or more on salons & spas, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Salons & Spas?
Bilt Palladium Card: $240/yr, Blue Business Plus Credit Card from American Express: $240/yr, Capital One Venture Rewards: $222/yr. The Bilt Palladium Card earns the most at $500/month.
Do rotating category cards earn on Salons & Spas?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature salons & spas as a 5% bonus category for one quarter per year. Year-round, a dedicated salons & spas card typically outperforms rotating category cards since you can't always count on the bonus.