Maria Adams, Credit Cards Moderator
@m_adams
One of the best credit cards for doctors is the NIH Federal Credit Union Visa Signature Cash Rewards. Anyone who’s a member of the healthcare industry can join the NIH credit union, and their cash back card will give you 3% cash back on gas, 2% on groceries and 1% on everything else. You can also use your rewards to donate to NIH charities if you wish. There’s no annual fee, either. NIH has a travel card, too, with 2 points per $1 on travel and dining, and 1 per $1 on everything else. But it’s not as good as the likes of the Capital One Venture Rewards Credit Card, which offers better travel rewards that anyone can get.
There aren’t many credit cards targeted specifically to doctors, but if you have your own practice, you should consider a good business credit card like the Ink Business Cash® Credit Card. And since doctors tend to earn a lot, you might benefit from a credit card that rewards high spending, like Chase Sapphire Preferred® Card, which could help you earn a well-deserved vacation.
Here are the best credit cards for doctors:
- NIH Federal Credit Union Visa Signature Cash Rewards: 3% cash back on gas, 2% on groceries and 1% on everything else. 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months with 2% (min $10) fee. Option to donate rewards to NIH charities. No annual fee. 1% foreign transaction fee. Requires good credit.
- Capital One Venture Rewards Credit Card: 75,000 miles for spending $4,000 in the first 3 months. Earn 2 miles / $1 spent everywhere. $95 annual fee. Requires good credit.
- Ink Business Cash® Credit Card: $750 for spending $7,500 in the first 3 months. Earn 5% cash back on the first $25,000 spent per year in combined purchases at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 spent per year at gas stations and restaurants combined; and 1% back on all other purchases. $0 annual fee. Requires good credit.
- Chase Sapphire Preferred® Card: 60,000 bonus points for spending $4,000 in the first 3 months. Earn 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. It’s also the official credit card of the PGA of America, which means you can get special access to golf events. Requires good credit.
- Citi Double Cash Card: Earn 2% cash back on all purchases, half of it when you buy and half when you pay it off. 0% intro APR on balance transfers for 18 months with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. This card’s regular APR is 15.49% - 25.49% (V). $0 annual fee. Requires good credit.
Your profession doesn’t really have to define what credit card you use, since cards don’t tend to reward certain jobs more than others. But with high-income jobs like doctors, you can definitely qualify for all kinds of attractive offers in terms of cash back and travel.

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Compare CardsThomas Poole, Member
@poole_thomas
I think you could look at any "Excellent" score card, and pick the one that fit your rewards the best.
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