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Finding the perfect everyday credit card can feel as daunting as sifting through the latte menu at a coffee shop. Fortunately, finding your perfect match is easier than ordering a skinny, half-sweet, extra-foam, soy milk latte. That's because we've sorted through dozens of credit cards to bring you the best ones all in one place.
These cards reward you for gas, groceries, dining, and more, all for low or no annual fees. Here's our list of the best credit cards for everyday spending for consumers and business owners.
Business travelers who prefer to stay at Hilton properties
Best Credit Cards for Everyday Spending
Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer pays you cash back twice — once when you purchase an eligible item and again when you pay your bill. It's best if you can pay your bill in full every month so you can earn your 2% cash back right away.
Rewards:
2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
0% APR Offer: Get 0% APR on balance transfers for the first 18 months.
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Wells Fargo Active Cash® Card is a great card for people who don’t like to track categories. You get rewarded for every purchase, and it has a handsome welcome bonus that’s easy to achieve.
Rewards:
2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months from account opening.
Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Chase Freedom Unlimited® is an excellent option for people who like to travel and will book through the Chase Ultimate Rewards portal. Earning 5% cash back on travel with no annual fee isn’t something most cards offer.
Rewards:
1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Blue Cash Everyday® Card from American Express pays high rewards on categories in which most people spend the most. It is a useful card to keep in your wallet and use for everyday purchases while earning 3% cashback.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
0% Intro APR Offer: Get 0% on purchases and balance transfers for the first 15 months.
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
If you have a large family that spends big on groceries or you drive a lot, the Blue Cash Preferred® Card from American Express will pay you back in these high-spending categories. There is an annual fee, but if you spend at least $6,000 on groceries per year, you’ll more than make back the annual fee.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions
0% Intro APR Offer: Get 0% APR for 12 months on purchases and on balance transfers for the first 12 months.
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Annual Fee: $0 intro annual fee for the first year, then $95.
PenFed Platinum Rewards Visa Signature® Card offers 5x points on gas purchases and purchases at EV charging stations, which is great if you spend a lot on gas. In addition, you earn 3x on all supermarket purchases (which includes most Walmart and Target locations), restaurants, and streaming services. The interest rate isn't bad, and approval-wise, we've seen credit scores as low as 679 get approved.
Rewards:
1x points
On all other eligible purchases
1x Points on all other purchases
3x points
U.S. supermarkets
3x Points at the supermarket (including most Target and Walmart locations)
3x points
Streaming services
3x Points on TV, radio, cable, streaming services
3x points
Dining
3x Points at restaurants
5x points
Gas
5x points on gas paid at the pump and EV charging stations
Welcome Bonus: 15,000 Bonus Points when you spend $1,500 in first 90 days
U.S. Bank Cash+® Visa Signature® Card requires careful planning because you must choose your top two categories quarterly, but it can pay off if you choose the categories you spend the most. You also get to choose another category to earn 2% for everyday spending to increase your cashback earnings.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
5% cash back
Rotating Categories
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back
Airfare
5% cash back on prepaid air booked directly in the Rewards Center
5% cash back
Hotels
5% cash back on prepaid hotels booked directly in the Rewards Center
5% cash back
Rental Cars
5% cash back on prepaid car reservations booked directly in the Rewards Center
0% Intro APR Offer: Get 0% APR for the first 15 billing cycles on purchases and balance transfers.
Welcome Bonus: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
Capital One SavorOne Cash Rewards Credit Card rewards you for dining out, entertainment, groceries, and more. You also earn 1% back on everything else. You don’t have to worry about rotating categories, so it’s easy to manage.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
U.S. Bank Altitude® Go Visa Signature® Card pays in points, but you can redeem your points instantly as a statement credit. The card pays the most for dining out but pays decent rewards on other everyday purchases too.
Rewards:
1x points
On all other eligible purchases
Earn 1x points on all other eligible purchases.
2x points
U.S. supermarkets
Earn 2x points at grocery stores and grocery delivery.
2x points
Streaming services
Earn 2x points on streaming services.
2x points
Gas
Earn 2x points at gas stations and EV charging stations.
4x points
Dining
Earn 4x points on dining, takeout and restaurant delivery.
0% Intro APR Offer: Get 0% on purchases and balance transfers for the first 12 months.
Welcome Bonus: Earn 20,000 bonus points. Just spend $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
If you like rotating categories, you can switch up which categories you earn 5% cashback to make the most of rewards with Chase Freedom Flex(SM). You’ll always earn a high percentage on dining and drugstore purchases but you can also earn 5% cash back on rotating categories to maximize your earnings.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
Citi Custom Cash® Card adapts to how you spend, so you earn the highest rewards in the categories you spend the most. However, it has a high balance transfer fee, so consider other options for balance transfers while enjoying the high rewards are your categories with the highest spending.
Rewards:
1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
PNC Cash Rewards® Visa® Credit Card rewards you on the first $8,000 in combined spending on everyday purchases like gas, dining, and groceries. It’s an optimal card for everyday purchases, but you may consider another card for travel purchases to earn higher rewards.
Rewards:
1% cash back
On all other eligible purchases
1% cash back on all other purchases.
2% cash back
U.S. supermarkets
2% cash back on grocery store purchases for the first $8,000 in combined purchases in these categories annually.
3% cash back
Dining
3% cash back on dining purchases at restaurants, including fast food for the first $8,000 in combined purchases in these categories annually.
4% cash back
Gas
Earn 4% cash back on gas station purchases for the first $8,000 in combined purchases in these categories annually.
0% Intro APR Offer: Get 0% APR on balance transfers for the first 12 billing cycles.
Welcome Bonus: Earn a $200 Bonus after you make $1,000 or more in purchases during the first 3 billing cycles following account opening of a PNC Cash Rewards® Visa® Credit Card.
Alliant Cashback Visa® Signature Credit Card pays one of the highest cashback rates on ‘everything’ up to $10,000. After that, the percentage drops, but it’s a nice bonus for everyday spending, and you don’t have to track any categories.
Rewards:
1.5% cash back
On all other eligible purchases
Unlimited 1.5% cash back on all other qualifying eligible purchases.
2.5% cash back
All eligible purchases
Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases per billing cycle.
You may be eligible for the Prime Visa if you're an Amazon Prime member. Not only can you earn 5% back on your Amazon purchases, but you can also earn elevated cash back on dining and gas.
Rewards:
1% cash back
On all other eligible purchases
Earn unlimited 1% back on all other purchases.
2% cash back
Dining
Earn unlimited 2% back at restaurants.
2% cash back
Gas
Earn unlimited 2% back at gas stations.
2% cash back
Transit
Earn unlimited 2% back on local transit and commuting (including rideshare).
5% cash back
Select Categories
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership.
5% cash back
Travel
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.
10% cash back
Select Categories
Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.
0% Intro APR Offer: None
Welcome Bonus: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Chase Sapphire Preferred® Card pays the highest rewards for travel that you book through Chase Ultimate Rewards. Plus, if you redeem your rewards for travel through Chase, you’ll get a 25% bonus on your point earnings.
Rewards:
1x points
On all other eligible purchases
1x points on all other purchases.
2x points
Travel
2x points on travel not booked through Chase Ultimate Rewards, such as airfare, hotels, taxes and trains.
3x points
U.S. supermarkets
Earn 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
3x points
Streaming services
Earn 3x points on select streaming services.
3x points
Dining
3x points on dining, including eligible delivery services, takeout and dining out.
5x points
Travel
5x points on travel purchased through Chase Ultimate Rewards.
0% Intro APR Offer: None
Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
If you enjoy traveling, you can earn 2x miles for every purchase with the Capital One Venture Rewards Credit Card, with a bonus for any travel booked through Capital One Travel. If you don’t travel, you should consider other cards.
Rewards:
2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
0% Intro APR Offer: None
Welcome Bonus: Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
Ink Business Cash® Credit Card rewards you for the things your business needs the most, including office supplies and utilities. You’ll also earn cash back for dining out and gas, two other high costs for most businesses.
Rewards:
1% cash back
On all other eligible purchases
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
5% cash back
Select Categories
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
0% Intro APR Offer: Get 0% APR on purchases for the first 12 months.
Welcome Bonus: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
The American Express Blue Business Cash™ Card card helps you earn cashback on all business expenses with a high limit of $50,000 per year. In addition, you don’t have to worry about rotating categories and can earn 1% on all other spending.
Rewards:
1% cash back
All eligible purchases
1% cash back after spending $50,000.
2% cash back
All eligible purchases
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
0% Intro APR Offer: Get 0% APR on purchases for the first 12 months from date of account opening.
Welcome Bonus: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
The Blue Business® Plus Credit Card from American Express
If you want a business credit card that’s easy to manage and pays you back for your business purchases, check out The Blue Business® Plus Credit Card from American Express. It offers a nice welcome bonus, and you don’t have to worry about rotating categories.
Rewards:
1x points
On all other eligible purchases
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
2x points
All eligible purchases
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
0% Intro APR Offer: Get 0% APR on purchases for the first 12 months from date of account opening.
Welcome Bonus: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Revenued Business Card Visa® Commercial Card offers 3% on all purchases, making it easy to carry without worrying about rotating categories. It also offers a credit limit that grows with your business, helping you achieve your business goals.
Rewards:
3% cash back
All eligible purchases
Earn 3% cash back on every single purchase.
0% Intro APR Offer: None
Welcome Bonus: Receive $500 after spending $5,000 in your first 90 days.
Capital One Spark Miles for Business card pays 2x miles on all purchases, making it easy to afford your business travel needs by redeeming your miles. While there’s no 0% introductory APR, you don’t have to worry about rotating categories.
Rewards:
2x points
All eligible purchases
Earn unlimited 2X miles on every purchase
0% Intro APR Offer: None
Welcome Bonus: Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening.
Annual Fee: $0 intro for first year; $95 after that
Marriott Bonvoy Business® American Express® Card is for business travelers who prefer Marriott Bonvoy properties. You can earn 6x points for every dollar spent at Marriott Bonvoy hotels, plus enjoy rewards on all other purchases.
Rewards:
2x points
On all other eligible purchases
Earn 2x points on all other eligible purchases.
4x points
Cell phone service
Earn 4x points on wireless telephone services purchased directly from U.S. service providers.
4x points
Select Categories
Earn 4x points on U.S. purchases for shipping.
4x points
Dining
Earn 4x points for purchases made at restaurants worldwide.
4x points
Gas
Earn 4x points for purchases made at U.S. gas stations.
6x points
Hotels
Earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
0% Intro APR Offer: None
Welcome Bonus: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
If you travel for business and prefer Hilton hotels, you can earn bonus points for your stays using the The Hilton Honors American Express Business Card. It has an annual fee, but most cardholders can make that back within the first couple of months.
Rewards:
3x points
On all other eligible purchases
3X on all other eligible purchases.
6x points
Cell phone service
6X on wireless telephone services purchased directly from U.S. service providers.
6x points
Select Categories
Earn 6X on U.S. purchases for shipping.
6x points
Airfare
6X on flights booked directly with airlines or with Amex Travel.
6x points
Rental Cars
6X on car rentals booked directly from select car rental companies.
6x points
Dining
6X at U.S. restaurants.
6x points
Gas
6X at U.S. gas stations.
12x points
Hotels
12X directly with hotels and resorts in the Hilton portfolio.
0% Intro APR Offer: None
Welcome Bonus: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
How to Choose the Best Credit Card for Everyday Spending
When choosing the best credit card for everyday spending, it’s important to consider these factors:
Rewards
Look at the rewards, limits, and what to do to earn them. For example, if you can get 5% cash back on gas, but there’s a limit of $200, the reward isn’t worth as much as you’d think. Do the math to determine which card can pay you the most.
Welcome Bonus
Many credit cards have a nice welcome bonus to encourage you to choose that card. Review the welcome bonus and what you'll have to do to achieve it to see if it’s doable.
Consider any additional benefits you may want. For example, if you travel internationally, look for a card that doesn't charge foreign transaction fees. If you want travel benefits, look for cards that offer travel insurance, access to airport lounges, or other related perks.
Also, if you plan to keep or transfer a balance, look for cards that offer a 0% intro APR for purchases and balance transfers.
FAQs
Is it worth paying an annual fee for a credit card for everyday spending?
If your rewards exceed the annual fee, it’s worth it. However, if you don’t see yourself using the card often enough, the annual fee may not be worth it. So do the math, and consider how likely you are to use the card to determine if paying an annual fee makes sense.
Can you have more than one credit card for everyday spending?
You can but it may be difficult to manage several cards. Instead, consider one card for everyday spending and other cards for specific spending, such as travel or business purchases.
Is it better to get a credit card that pays 5% cash back on rotating categories or a credit card that pays 2% cash back on all purchases?
Do the math to determine which card makes the most sense for you. For example, if a card has a limit of $1,000 for the 5% cash back categories, you’ll earn $50 max. But if you have a card with 2% cashback on all purchases with no limit and you spend $3,000 in a month, you can earn $60.
To determine which is better, consider your spending habits and the maximum amount you can earn on each category.
Final Thoughts
Finding the best credit card for everyday spending can help you earn cash back or rewards by doing nothing more than your normal routine. Choose the card that offers elevated rewards for the categories you spend the most on every month. Consider the card's annual fee, if any, and the perks. Remember, the perks are only worth having if you'll use them.
Samantha Hawrylack is the owner of SJ Digital Solutions and How To FIRE. She writes about finance, investing, real estate, credit, and many more topics. Before becoming a full-time entrepreneur, she was a brokerage investment professional in the financial services industry.
