everyday spending

Best Credit Cards for Everyday Spending

BySamantha Hawrylack Last Updated:

Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.

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.

Overview of the Best Credit Cards for Everyday Spending

Card NameAnnual FeeBest For
Citi® Double Cash Card$0

Earning 2% on purchases when you pay your balance in full every month
Wells Fargo Active Cash® Card $0

2% cash back on all purchases
Chase Freedom Unlimited® 

$0

Travel and earning 3% cash back on dining and drugstores
Blue Cash Everyday® Card from American Express 

$0

3% cash back at U.S. supermarkets, U.S online retail purchases, and at U.S. stations gas (up to $6,000 per year in each category, then 1%)
Blue Cash Preferred® Card from American Express 

$0 intro annual fee for the first year, then $95., waived for the first year 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and select U.S. streaming services
PenFed Platinum Rewards Visa Signature® Card



 No Annual Fee

Earn 5x on gas and at EV charging stations
U.S. Bank Cash+® Visa Signature® Card 

$0

5% cash back on quarterly rotating categories
Capital One Savor Cash Rewards Credit Card 

$0

3% cash back on groceries, popular streaming services, dining, and entertainment
U.S. Bank Altitude® Go Visa Signature® Card 

$0

4x points on dining and 2x points on groceries, gas, and streaming services
Chase Freedom Flex® 

$0

5% cash back on quarterly bonus categories
Citi Custom Cash® Card 

$0

5% cash back on your top spending category
PNC Cash Rewards® Visa® Credit Card 

$0

4% cash back on gas, 3% cash back on dining, and 2% cash back on groceries
Alliant Cashback Visa® Signature Credit Card 

$0

Elevated cash back on all purchases
Prime Visa 

$0

Amazon Prime members
Chase Sapphire Preferred® Card 

$95

Occasional or frequent travelers and for earning 3x points on online groceries, select streaming services, and dining
Capital One Venture Rewards Credit Card 


$95

Earning at least 2x miles on every purchase
Ink Business Cash® Credit Card $0Small businesses
The American Express Blue Business Cash™ CardNo annual feeBusinesses with expenses at or under $50,000/year
The Blue Business® Plus Credit Card from American ExpressNo annual feeBusinesses with expenses at or under $50,000/year and want to maximize rewards by transferring them to a travel partner
Revenued Business Card$0Earning 3% cash back on all purchases
Capital One Spark Miles for Business$0 intro for first year; $95 after thatEarning unlimited 2x miles on all purchases
Marriott Bonvoy Business® American Express® Card$125Business travelers who prefer to stay at Marriott properties
The Hilton Honors American Express Business Card$195Business travelers who prefer to stay at Hilton properties

Best Credit Cards for Everyday Spending

Citi® Double Cash Card

Citi Double Cash
Learn More

Our Rating: 4.9

★★★★★☆

Citi® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

18.24% – 28.24%, Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card 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. There’s also a 0% APR on balance transfers, which is great if you’re trying to pay off some higher interest debt.

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.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/21/2024
635
TransUnion
$3,500
Approved04/21/2024
670
Equifax
$3,500
Approved03/12/2024
726
Equifax
$3,800
Approved03/12/2024
731
Equifax
$3,800
Approved03/12/2024
745
Equifax
$3,800
Approved03/12/2024
765
Equifax
$3,800
Approved03/12/2024
800
Experian
$3,800
Approved03/12/2024
806
TransUnion
$3,800
Approved02/03/2024
780
Experian
$6,900
Approved02/03/2024
794
TransUnion
$6,900
Approved02/03/2024
813
Equifax
$6,900
Approved01/19/2024
840
Not Provided
$11,500
Approved01/11/2024
730
Not Provided
---
Approved05/22/2024
805
Experian
$6,800
Denied01/03/2024
800
Not Provided
---
Denied05/10/2024
793
Not Provided
---

Wells Fargo Active Cash® Card

Wells Fargo Active Cash
Learn More

Our Rating: 4.9

★★★★★☆

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

19.24%, 24.24% or 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

The 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. There’s a 0% introductory APR on purchases and balance transfers for the first 12 months from account opening, and the card also offers cell phone protection.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/18/2024
758
Equifax
$10,000
Approved09/18/2024
772
TransUnion
$10,000
Approved09/18/2024
780
Experian
$10,000
Approved09/21/2024
796
Experian
$30,000
Approved02/09/2024
723
Not Provided
$8,000

Chase Freedom Unlimited® 

Chase Freedom Unlimited
Learn More

Our Rating: 4.9

★★★★★☆

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

19.49% – 28.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on travel purchases through Chase (after your first year or $20,000 spent). 3% cash back on dining and drugstore purchases. 1.5% cash back on other purchases.

The Chase Freedom Unlimited® is an excellent option for people who like to travel and will book through Chase Travel(SM). Earning 5% cash back on travel with no annual fee isn’t something most cards offer. There’s also a 0% APR offer on both purchases and balance transfers for the first 15 months and no annual fee.

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
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/23/2024
640
Not Provided
$300
Approved04/25/2024
801
Experian
$10,000
Approved06/13/2024
741
Not Provided
$6,000
Approved06/19/2024
667
Experian
$5,500
Approved06/19/2024
686
TransUnion
$5,500
Approved06/19/2024
687
Equifax
$5,500
Approved01/05/2024
689
Experian
$11,000
Approved01/05/2024
695
Equifax
$11,000
Approved01/05/2024
696
Equifax
$11,000
Approved01/05/2024
722
TransUnion
$11,000
Approved01/05/2024
732
TransUnion
$11,000
Approved01/05/2024
733
Experian
$11,000
Approved09/09/2024
749
TransUnion
$12,000
Approved09/09/2024
762
Experian
$12,000
Approved09/09/2024
770
Equifax
$12,000
Approved07/17/2024
708
Equifax
$5,600
Approved07/17/2024
709
Experian
$5,600
Approved07/17/2024
711
TransUnion
$5,600

Blue Cash Everyday® Card from American Express 

Learn More

Our Rating: 4.4

★★★★★☆

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Est. Value

$200

Annual Fee

$0

APR

18.24% – 29.24% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). 1% cash back on other purchases.

The 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 up to 3% cashback. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

1% cash back
On all other eligible purchases
1% cash back on other 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%.

Pros

  • Welcome offer
  • Up to 3% cash back
  • $0 annual fee

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/06/2024
687
Equifax
$1,000
Approved10/06/2024
692
TransUnion
$1,000
Approved10/06/2024
696
Experian
$1,000
Approved09/29/2024
760
Experian
---
Approved09/29/2024
774
TransUnion
---
Approved09/29/2024
780
Equifax
---

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred
Learn More

Our Rating: 4.5

★★★★★☆

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.24% – 29.24% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on select U.S. streaming services and on groceries up to $6,000 per year at U.S. supermarkets, then 1%. 3% cash back at U.S. gas stations and transit. 1% cash back on other purchases.

The Blue Cash Preferred® Card from American Express is a great choice if you have a large family that spends big on groceries or you drive a lot. There is an annual fee, but if you spend at least $6,000 at U.S. supermarkets per year, you’ll more than make back the annual fee. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
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

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000
Approved09/16/2024
805
Experian
$25,000

PenFed Platinum Rewards Visa Signature® Card

Learn More

Our Rating: 4.5

★★★★★☆

PenFed Platinum Rewards Visa Signature® Card

Welcome Offer

15,000 Bonus Points

Est. Value

about $125

Annual Fee

No Annual Fee

APR

17.99% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 5X on gas paid at the pump and at EV charging stations; 3X at supermarkets (including most Target and Walmart locations) 3X at restaurants; 3X on TV, radio, cable and streaming services, and 1x on all other eligible purchases

The PenFed Platinum Rewards Visa Signature® Card is for those who belong to the PenFed Credit Union, or who don’t mind joining. Their slogan is “A Credit Union anyone can join” and all you need to do is open a savings account and deposit $5 into in and you’re in. The card has a great rate on gas, plus a small welcome offer. The interest rate isn’t bad, and approval-wise, we’ve seen credit scores as low as 679 get approved.

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

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
697
Not Provided
$7,500

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+ Visa Signature
Learn More

Our Rating: 4.8

★★★★★☆

U.S. Bank Cash+® Visa Signature® Card

Welcome Offer

$200 bonus

Est. Value

$200

Annual Fee

$0

APR

18.49% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on prepaid hotels, air travel, and car reservations booked in the Rewards Center; 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choice. 2% cash back on one everyday category and 1% cash back on other purchases.

The 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. There’s an introductory 0% APR offer on both purchases and balance transfers for the first 15 billing cycles

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

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/01/2023
780
Not Provided
$10,000
Approved02/06/2023
778
Experian
$10,000
Approved02/06/2023
809
Equifax
$10,000
Approved02/06/2023
820
TransUnion
$10,000
Approved01/11/2024
797
Experian
$17,000
Approved09/21/2023
800
Experian
$500
Approved01/09/2023
809
Experian
$9,000
Approved10/21/2024
810
Not Provided
$10,000
Approved08/05/2023
749
Not Provided
$500
Approved08/05/2023
803
Not Provided
$500
Approved08/05/2023
808
Not Provided
$500
Approved08/05/2023
829
Not Provided
$500
Approved06/19/2023
663
TransUnion
$600
Approved04/24/2024
838
TransUnion
$20,000
Approved05/30/2023
744
Experian
$6,500
Approved05/30/2023
752
Equifax
$6,500
Approved05/30/2023
772
TransUnion
$6,500
Denied10/02/2023
791
Experian
---
Denied10/02/2023
811
Equifax
---

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards
Learn More

Our Rating: 4.5

★★★★★☆

Capital One Savor Cash Rewards Credit Card

Welcome Offer

$200 Cash Back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 8% cash back on Capital One Entertainment purchases. Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back at grocery stores excluding superstores like Walmart® and Target®, and on popular streaming services, dining, and entertainment. Earn 1% cash back on all other purchases.

The Capital One Savor 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. If you like this card but don’t have quite the credit score to get approved, consider Capital One Savor Cash Rewards for Good Credit, which has all the same cash back rewards, but no welcome offer or 0% APR offer.

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

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back

Cons

  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023