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CardCurator — Rewards Intelligence
Salons & Spas

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

Best Pick
Bilt Palladium Card card art
Bilt Rewards

Bilt Palladium Card

2x
points per dollar
4.0%
effective return
$495/yr
annual fee

2x base rate (no bonus for Salons & Spas)

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More Good Options

  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Salons & Spas)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Salons & Spas)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Salons & Spas)

    Learn more →
  • Chase Freedom Unlimited card art
    Chase Ultimate Rewards
    Chase Freedom Unlimited
    1.5x
    pts/dollar
    3.0%
    return

    1.5x base rate (no bonus for Salons & Spas)

    Learn more →
Compare these 3 cards side by side

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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.

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