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 Name | Annual Fee | Best For |
|---|---|---|
| Citi® Double Cash Card - 18 month BT offer | $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 on groceries, online purchases, and gas |
| 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 on groceries and select streaming services |
| U.S. Bank Cash+® Visa Signature® Card | $0 | 5% cash back on quarterly rotating categories |
| Capital One SavorOne Cash Rewards Credit Card | $0 | 10% cash back on Uber and Uber Eats, and 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(SM) | $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 |
| Amazon 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 | $0 | Small businesses |
| American Express Blue Business Cash™ Card | No annual fee | Businesses with expenses at or under $50,000/year |
| The Blue Business® Plus Credit Card from American Express | No annual fee | Businesses with expenses at or under $50,000/year and want to maximize rewards by transferring them to a travel partner |
| Revenued Business Card Visa® Commercial Card | $0 | Earning 3% cash back on all purchases |
| Capital One Spark Miles for Business | $0 intro for first year; $95 after that | Earning unlimited 2x miles on all purchases |
| Marriott Bonvoy Business® American Express® Card | $125 | Business travelers who prefer to stay at Marriott properties |
| The Hilton Honors American Express Business Card | $95 | Business travelers who prefer to stay at Hilton properties |
Best Credit Cards for Everyday Spending
Citi® Double Cash Card - 18 month BT offer
Rewards:
0% APR Offer: Get 0% APR on balance transfers for the first 18 months.
Welcome Bonus: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee: $0
Wells Fargo Active Cash® Card
Rewards:
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.
Annual Fee: $0
Chase Freedom Unlimited®
Rewards:
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Annual Fee: $0
Blue Cash Everyday® Card from American Express
Rewards:
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.
Annual Fee: $0
Blue Cash Preferred® Card from American Express
Rewards:
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.
U.S. Bank Cash+® Visa Signature® Card
Rewards:
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.
Annual Fee: $0
Capital One SavorOne Cash Rewards Credit Card
Rewards:
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 $1,000 on purchases within 3 months from account opening.
Annual Fee: $0
U.S. Bank Altitude® Go Visa Signature® Card
Rewards:
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.
Annual Fee: $0
Chase Freedom Flex(SM)
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.
Annual Fee: $0
Citi Custom Cash℠ Card
Rewards:
0% Intro APR Offer: Get 0% APR on purchases and balance transfers for the first 15 months.
Welcome Bonus: Earn $200 cash back after you spend $1,500 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.
Annual Fee: $0
PNC Cash Rewards® Visa® Credit Card
Rewards:
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.
Annual Fee: $0
Alliant Cashback Visa® Signature Credit Card
Rewards:
0% Intro APR Offer: None
Welcome Bonus: None
Annual Fee: $0
Amazon Prime Visa
Rewards:
0% Intro APR Offer: None
Welcome Bonus: For 3 months from account opening: Earn a total of 5% back on a maximum of $2,500 in total purchases made with the Prime Visa card that normally earn 2% and 1% back. That’s an extra 4% back in addition to the 1% back you earn on the purchases in the 1% back category and an extra 3% back in addition to the 2% back you earn on purchases in the 2% back category. After reaching the earlier of 3 months from account opening or $2,500 spend: You’ll earn 2% back for each $1 spent in the following rewards categories: gas stations; local transit and commuting; restaurants. You’ll earn 1% back for each $1 spent on all other purchases.
Annual Fee: $0
Chase Sapphire Preferred® Card
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®.
Annual Fee: $95
Capital One Venture Rewards Credit Card
Rewards:
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.
Annual Fee: $95
Best Business Credit Cards for Everyday Spending
Ink Business Cash® Credit Card
Rewards:
0% Intro APR Offer: Get 0% APR on purchases for the first 12 months.
Welcome Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee: $0
American Express Blue Business Cash™ Card
Rewards:
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.
Annual Fee: No annual fee
The Blue Business® Plus Credit Card from American Express
Rewards:
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.
Annual Fee: No annual fee
Revenued Business Card Visa® Commercial Card
Rewards:
0% Intro APR Offer: None
Welcome Bonus: Earn $500 after spending $5,000 within your first 3 months of being a cardholder.
Annual Fee: $0
Capital One Spark Miles for Business
Rewards:
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
Rewards:
0% Intro APR Offer: None
Welcome Bonus: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Annual Fee: $125
The Hilton Honors American Express Business Card
Rewards:
0% Intro APR Offer: None
Welcome Bonus: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Annual Fee: $95
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.
Read more: Best Credit Card Sign-up Bonuses
Annual Fee
Avoid cards with an annual fee unless you know you can make it back quickly and earn more money from using the card.
Additional Perks (No Foreign Transaction Fees, Travel Benefits, 0% Intro Apr, Credits)
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.
Related: Best Travel Rewards Credit Cards
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.
