There are certain rewards credit cards that are better for certain bonus categories, with plenty offering more than double points on the things you tend to spend the most on: travel, dining, supermarkets, gas stations and more. But what about the spending that doesn’t fall into any bonus category? We’re talking boutique clothing stores, the doctor’s, tax payments, the car mechanic and more.
For a more comprehensive list, see our best credit card bonuses here.
We have created a series of guides for the best credit cards for points and miles by spending category. In this guide, we’ll cover the best credit card to use for everyday spending.
When using a credit card, remember to pay your balance in full and on time each month, and only spend what you can afford to pay. For more credit card tips, click here.
Best Credit Cards For Everyday Spending
There are loads of great rewards cards to maximize your everyday spending. The cards that made our list are ahead of the game with great non-bonus returns.
Closer Look At Each Card
Let’s take a closer look at each card below:
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CHASE FREEDOM UNLIMITED®
The Chase Freedom Unlimited® credit card has an offer for an additional 1.5% cash back on everything you buy, on up to $20,000 spent in your first year of card membership, for up to $300 cash back.
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THE BLUE BUSINESS® PLUS CREDIT CARD FROM AMERICAN EXPRESS
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Blue Business® Plus Credit Card from American Express offers 15,000 Membership Rewards points after you spend $3,000 in eligible purchases within 3 months of Card Membership. Membership Rewards are some of the most valuable points for credit cards. We value each point to be worth up to 2 cents.
The card earns 2 points per $1 on everyday business purchases like office supplies and client dinners, for up to the first $50,000 in purchases per year. After that, all purchases will earn 1 point per $1.
This card features Expanded Buying Power, allowing you the freedom to spend beyond your credit limit at no extra cost. Your credit limit is not set to a constant amount but rather, it adjusts with your card use.
The Amex card has no annual fee (See Rates & Fees, Terms Apply).
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CAPITAL ONE® VENTURE® REWARDS CREDIT CARD
The Capital One® Venture® Rewards Credit Card currently earns 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening. Or if are unable to meet the $20k spending requirement, you can still earn 50,000 bonus miles for spending $3,000 in the first 3 months. These bonus miles are equal to $1000 or $500, respectively, in travel and are easy to redeem as a statement credit towards the cost of your travel purchases. Take advantage of Capital One’s travel partners and these up to 100k miles can be worth around $1400 in value.
This card will earn an ongoing 2 miles for every dollar you spend on all purchases. 100 miles is equal to $1 in travel rewards. If you don’t redeem towards travel purchases, your miles will have less value.
The annual fee is $95.
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CITI® DOUBLE CASH CARD
The Citi® Double Cash Card is offering a welcome bonus of $200 cash after spending $1,500 on purchases in the first 6 months of account opening. Also, earn up to 2% cash back on all purchases. You’ll earn 1% cash back for all purchases charged to the card. You’ll then earn an additional 1% cash back when you pay off those purchases, as long as you pay at least the minimum due. There are no spending categories to keep up with and the card has no annual fee.
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Additional Guides
While we focused on credit cards for everyday spending in this post, you may want to consider other cards with additional earning potential that matches your spending behavior. Click here for our guide on the best credit cards in other categories or check out these other posts:
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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