Best credit cards for everyday spending in September 2024
Possibly the easiest way to earn rewards is to use one of the best credit cards for everyday spending instead of using your debit card or cash as your go-to form of payment.
With so many options available, settling on one or two credit cards that will provide you with decent returns in the form of cash back, points or miles can be tough. Luckily, TPG’s expert editors have compiled this list of the best credit cards from our partners for everyday spending — including those with generous sign-up bonuses, simple cash-back structures and lucrative travel perks to enhance your next trip.
- Blue Cash Preferred? Card from American Express: Best for U.S. supermarkets and gas in the U.S.
- Citi Double Cash? Card: Best for no-frills cash-back rewards
- Chase Sapphire Preferred? Card: Best for beginners
- Capital One SavorOne Cash Rewards Credit Card: Best for entertainment
- Blue Cash Everyday? Card from American Express: Best for cash-back beginners
- The Blue Business? Plus Credit Card from American Express: Best for everyday business expenses
- Chase Freedom Unlimited?: Best for drugstores
- Capital One Quicksilver Cash Rewards Credit Card: Best for flat-rate cash-back
- Ink Business Unlimited? Credit Card: Best for business cash back
- Bank of America? Premium Rewards? credit card: Best for travel
| 6% | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) |
| 6% | 6% Cash Back on select U.S. streaming subscriptions |
| 3% | 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more |
| 3% | 3% Cash Back at U.S. gas stations |
| 1% | 1% Cash Back on other purchases |
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our review of the Amex Blue Cash Preferred.
Pros
- Multiple bonus categories. earning for bonus category.
- High earning rates on bonus categories.
Cons
- Capped earning for bonus category.
- Annual fee.
- Foreign transaction fees.
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It? to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Terms Apply.
- See Rates & Fees
| 1% | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. |
| 5% | Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel? portal through 12/31/24. |
The Citi Double Cash Card caters to beginners establishing good credit habits, since users will earn 2% cash back; 1% when they buy and 1% when they pay their statement. The Citi Double Cash is a great pick for those looking for the utmost simplicity and want cash back in their pocket. Read our full review of the Citi Double Cash here.
Pros
- Earning 2% back (1% when you buy and 1% when you pay your bill) on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
- Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.
- It’s great for those looking to consolidate debt, since it offers new cardmembers 18 months of 0% intro APR on balance transfers made. After that, the variable APR of 19.24% - 29.24% applies.
Cons
- Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
| 5x | 5x on travel purchased through Chase Travel?. |
| 3x | 3x on dining, select streaming services and online groceries. |
| 2x | 2x on all other travel purchases. |
| 1x | 1x on all other purchases. |
The Chase Sapphire Preferred? Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- Multiple bonus categories.
- Valuable transfer partners.
- Annual hotel statement credit.
- Premium travel protection benefits.
Cons
- Annual fee.
- Subject to Chase’s 5/24 policy.
- 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 Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
| 8% | 8% Cash Back on Capital One Entertainment purchases |
| 5% | 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) |
| 3% | 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart? and Target?) |
| 1% | 1% Cash Back on all other purchases |
The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One SavorOne Cash Rewards Credit Card.
Pros
- Unlimited bonus cash back.
- Long period for introductory 0% APR. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or 4% at a promotional APR offered at any other time.).
Cons
- Small sign-up bonus.
- Low cash-back on non-bonus earning categories.
- Bonus rates on travel only apply through the Capital One portal.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart? and Target?), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
| 3% | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. |
| 3% | 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
| 3% | 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. |
| 1% | 1% Cash Back on other purchases. |
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Pros
- 3% cash back at U.S. supermarkets
- No annual fee.
- 3% cash back at U.S. gas stations and U.S. online retail purchases
- Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
- You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday? Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday? Card.
- Terms Apply.
- See Rates & Fees
| 2X | Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners |
| 1X | 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter |
The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our review of the Amex Blue Business Plus.
Pros
- No annual fee.
- Multiple transfer partners.
- Travel and shopping protections.
Cons
- Cap on bonus earning.
- Limited bonus categories.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
| 5% | Enjoy 5% cash back on travel purchased through Chase Travel?, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. |
| 1.5% | 1.5% cash back on all other purchases. |
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories.
- No annual fee.
- Incredible value when paired with a premium Chase card.
Cons
- Limited card perks and benefits.
- Foreign transaction fees.
- Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited? card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
| 5% | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply |
| 1.5% | Earn unlimited 1.5% cash back on every purchase, every day |
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.
Pros
- Unlimited cash back on all purchases.
- Simple earning structure.
- No foreign transaction fees.
- No annual fee.
Cons
- Limited card perks and benefits.
- Lack of bonus categories can limit earning potential.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited’ sign-up gives you $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash? Credit Card and the Ink Business Preferred? Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve?, the Chase Sapphire Preferred? Card and the Ink Business Preferred. Read our review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee
- Unlimited cash back.
- High sign-up bonus.
- Incredible value when paired with a premium Chase card.
Cons
- No bonus categories.
- High spend needed for sign-up bonus.
- No travel protection.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
| 2X | Earn unlimited 2 points for every $1 spent on travel and dining purchases. |
| 1.5X | Earn unlimited 1.5 points for every $1 spent on all other purchases. |
The Bank of America Premium Rewards card is great for using the points earned for rewards that normal airline miles or credit card points can’t cover. Bank of America Preferred Rewards? members get a 25%-75% rewards bonus on every purchase. New cardmembers earn a 60,000-point sign-up bonus after spending $4,000 in the first 90 days of account opening. Read our review of the Bank of America Premium Rewards card.
Pros
- Annual airline incidental credit.
- Global Entry/TSA PreCheck credit.
- No foreign transaction fees.
- Travel protections.
Cons
- Few bonus categories.
- More valuable if you are a Bank of America Preferred Rewards? member.
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
- If you're a Bank of America Preferred Rewards? member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America? accounts, credit to eligible Merrill? accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck?/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Comparing the best credit cards for everyday spending
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | U.S. supermarkets and gas in the U.S. | Earn $250 Open Intro bonus Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | 1 - 6% cash-back | $0 intro annual fee for the first year, then $95. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Citi's secure site | no-frills cash-back rewards | $200 cash back Open Intro 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. | 1 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | beginners | 60,000 bonus points Open Intro 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 Travel?. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | entertainment | $200 Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | 1 - 8% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | cash-back beginners | Earn $200 Open Intro bonus Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 1 - 3% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | everyday business expenses | 15,000?Membership Rewards? points Open Intro 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. | 1 - 2X points | No annual fee |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | drugstores | Up to $300 cash back Open Intro 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 Travel?, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Capital One's secure site | flat-rate cash-back | $200 Open Intro bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | business cash back | Earn $900 bonus cash back Open Intro bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | travel | 60,000 points Open Intro bonus Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. | 1.5 - 2X points | $95 |
More details on the best credit cards for everyday spending
If you prefer earning cash back and find yourself spending more often in categories such as U.S. supermarkets, transit, U.S. gas stations and select U.S. streaming, the Blue Cash Preferred Card from American Express is an excellent choice. The Blue Cash Preferred offers high-value rewards for common purchases, making it a useful card for everyday spending. You’ll enjoy a $0 introductory annual fee for the card in the first year (then $95; see rates and fees). Thanks to its decent earning structure, especially in the supermarket category, many people find that the card pays for itself – sometimes, several times over.
The Blue Cash Preferred is great for those who frequently spend on groceries, streaming services, transit and gas, offering lucrative benefits within these bonus categories. Infrequent travelers and those more interested in spending rewards in multiple ways are excellent fits for this card.
“I've been an Amex Blue Cash Preferred cardholder for nearly a decade and it's one of my favorite — and one of the most valuable — cards that I carry. I love the solid earning structure that gives me a generous 6% cash back at U.S. supermarkets (on up to $6,000 annually, then 1% thereafter) and an annual fee that pays for itself several times over since my yearly cash-back total is always over $500. The Blue Cash Preferred also has great offers you can redeem across several different areas, including hotels, beauty, a rotating roster of retailers and more. This is especially useful during the holiday season when I'm shopping for Christmas gifts.” — Daisy Hernandez, credit cards editor
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
The Blue Cash Everyday? Card from American Express has no annual fee (see rates and fees) and similar benefits, making it a great alternative option (especially for those who may be newer to the rewards-earning game).
With no annual fee, the Citi Double Cash Card (see rates and fees) is a simple and rewarding cash-back card to use on everyday purchases. The card comes with a simple rewards structure, earning up to 2% cash back on all purchases – 1% when you make a purchase and another 1% when you pay it off – making it an easy option for anyone looking to earn rewards without worrying about bonus categories.
Anyone looking for ways to maximize their rewards on all everyday spending outside of bonus categories would benefit from the no-annual-fee Citi Double Cash Card. The 2% cash back rate (1% when you buy and 1% when you pay your bill) is a great way to ensure you're earning rewards with every purchase, everyday.
“The Citi Double Cash Card is a simple yet valuable cash-back rewards card that I find myself frequently recommending to family and friends. It's a great everyday spending card with its 2% cash back, offered as 1% when you buy and 1% when you pay. And since it has no annual fee, it's earned a long-term place in my wallet.” – Katie Genter, senior writer
If you already have a Chase Ultimate Rewards card, the Chase Freedom Unlimited? is worth considering. Similar to the Citi Double Cash Card but in the Chase family, the Chase Freedom Unlimited offers a generous cash-back value and has rewards that can be converted into Ultimate Rewards points.
The Chase Sapphire Preferred Card offers solid returns on dining and travel and is a popular choice for those working to maximize travel rewards on everyday spending. As a midlevel rewards card, it offers impressive returns in the form of Chase Ultimate Rewards points, which hold exceptional value per TPG’s latest valuations.
Travel rewards beginners and seasoned points and miles pros both can find value in using the Chase Sapphire Preferred for everyday purchases. The $95 annual fee is easily offset by its strong point returns, including 5 points per dollar on travel booked through the Chase Travel? portal and Lyft purchases, and 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs).
“The Chase Sapphire Preferred has been in my wallet for 5-plus years and is the go-to midlevel rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rate on dining and travel, as well as streaming services, makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary car insurance and a little more peace of mind.” – Matt Moffitt, senior editor
The Chase Sapphire Reserve? is the premium accompaniment to the mid-tier Chase Sapphire Preferred Card. The Chase Sapphire Reserve comes with a $550 annual fee, higher than that of the Chase Sapphire Preferred, but offers higher returns and luxurious benefits with Ultimate Rewards points that make it a good premium option as a card for everyday spending.
The Capital One SavorOne Cash Rewards Credit Card is a solid choice for anyone looking to earn cash back on everyday purchases with a simple but decent earning structure. The card earns unlimited 3% cash back on dining, entertainment and groceries with no annual fee (see rates and fees).
The Capital One SavorOne is a good fit for anyone who regularly spends on dining and entertainment, offering 3% cash back in these two categories plus 3% cash back on streaming services and at grocery stores (excluding superstores like Walmart? and Target?), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases. If those categories align with your regular spending habits, it makes sense to opt for this card as your go-to for everyday purchases.
If you’re looking to maximize earning cash back and often spend on dining, groceries and entertainment, the Capital One SavorOne should be in strong consideration for everyday purchases. While spending outside of its bonus categories isn’t as lucrative, it pays off to have this card for making purchases in the areas with high rewards.
If you’re looking for a higher-end version with better rewards in some of the same bonus categories (dining, entertainment and popular streaming services), the Capital One Savor Rewards Credit Card could be a better fit for you. The card comes with a $95 annual fee but offers 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores, and 1% cash back on all other purchases, along with 8% cash back on Capital One Entertainment purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The Blue Cash Everyday Amex offers valuable bonus categories, including 3% cash back on the first $6,000 you spend each calendar year at U.S. supermarkets (then 1% thereafter), 3% cash back on the first $6,000 you spend each calendar year at U.S. gas stations (then 1% thereafter), 3% cash back on the first $6,000 you spend each calendar year at U.S. online retailers (then 1% thereafter), and 1% on all other eligible purchases — all with no annual fee (see rates and fees). Cash back is received in the form of reward dollars that can be redeemed as a statement credit or at Amazon.com checkout.
If you find yourself often spending on gas, groceries or online retailers, the Blue Cash Everyday Card’s 3% cash-back return on the first $6,000 spent each calendar year makes the card a sensible option as a card for everyday purchases. With no annual fee, it’s a strong option to maximize cash back in these categories.
Using the Blue Cash Everyday card is a great way to ensure you’re earning rewards in two categories that are necessities for so many of us — groceries and gas — with no annual fee. The simple earning structure is bolstered by the fact that Amex Reward Dollars are easy to redeem.
The Blue Cash Preferred? Card from American Express is a premium version of the Blue Cash Everyday Card. The Blue Cash Preferred offers higher earning rates with a similar structure for a $0 introductory annual fee for the first year (then $95; see rates and fees).
The Blue Business Plus Credit Card from American Express is a valuable option for small businesses looking to earn Amex Membership Rewards points on everyday purchases, with a flat rate of 2 points per dollar on the first $50,000 in purchases each calendar year (then 1 point per dollar). The card does not charge an annual fee (see rates and fees) and pairs well with other Amex cards, such as The Business Platinum Card? from American Express or the American Express? Gold Card.
Those who are looking to earn rewards on everyday spending without having to keep track of bonus categories will enjoy the Blue Business Plus’ straightforward rate of 2 points per dollar on up to $50,000 spent annually (then 1 point per dollar). Anyone who already has Amex cards in their wallet will want to opt for the Blue Business Plus, as it earns American Express Membership Rewards points that can be transferred to several loyalty program partners.
“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year). That's a fantastic return of 4% back based on TPG's valuations, making this a great option for your small-business needs.” – Nick Ewen, director of content
If you prefer a Capital One card for everyday spending and may exceed the Blue Business Plus card’s annual spending cap, the Capital One Spark Miles for Business (see rates and fees) earns 2 miles per dollar on all purchases, like the Blue Business Plus, but it carries a $95 annual fee (waived the first year) and doesn’t have the $50,000 cap for double earnings like the Blue Business Plus.
The Chase Freedom Unlimited is a versatile cash-back card with multiple bonus categories, a 1.5% cash-back rate on all other purchases and no annual fee, making it a strong option for everyday spending. The card earns 5% back on travel booked through the Chase Travel portal Ultimate Rewards, 3% back on dining (including takeout and eligible delivery services) and 3% at drugstores. However, when paired with a higher-end Chase card (such as the Chase Sapphire Preferred? Card or Chase Sapphire Reserve?), its cash-back earnings can be converted into Ultimate Rewards points, which hold substantial value per TPG’s valuations.
Points and miles beginners and travel rewards experts will enjoy the perks of the Chase Freedom Unlimited, which provides substantial value as a card for everyday purchases with valuable cash-back returns that can be converted into Ultimate Rewards points.
“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Sapphire Preferred or Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” – Nick Ewen, director of content
If you’re interested in earning more back on everyday purchases by capitalizing on rotating categories, the Chase Freedom Flex? earns 5% back on up to $1,500 in combined purchases in quarterly bonus categories after you activate. These points can also be converted into Ultimate Rewards points and transferred to Chase’s partners with the right card pairing, like the Chase Freedom Unlimited.
If you’re looking for simplicity in a cash-back card for everyday purchases and don’t want to worry about bonus categories, the Capital One Quicksilver Cash Rewards Credit Card is a strong option. With no annual fee, the Quicksilver earns a flat 1.5% cash back on purchases with no limit on how much you can earn, no rotating categories and a respectable sign-up bonus (see rates and fees).
Anyone looking for an everyday spending card that doesn’t require paying attention to bonus categories and earns cash back on every purchase. The Quicksilver Cash Rewards credit card is also good for those looking for a sign-up bonus that’s easy to achieve, as you’ll earn $200 after spending $500 on purchases within the first three months from account opening.
The Quicksilver is a simple option for anyone looking to earn cash back without thinking too much about maximizing certain bonus categories or spending a lot to earn a welcome bonus. For everyday purchases, the card rewards those who often spend outside of typical bonus categories or aren’t looking to swap out multiple cards.
If you’re interested in trying out bonus categories within the Capital One family, the Capital One SavorOne Cash Rewards Credit Card earns 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding stores like Walmart? and Target?), which could offer more rewards on everyday spending if you find yourself making purchases in those categories.
The Ink Business Unlimited Credit Card is a solid option for small businesses as it earns 1.5% cash back on every purchase with no annual fee. With a generous introductory bonus ($900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening) and a simple rewards structure, this card offers solid value. Its value can be maximized in the form of Chase Ultimate Rewards points when paired with other Chase cards, such as the Chase Sapphire Reserve? and the Chase Sapphire Preferred? Card.
Business owners looking to earn cash back on everyday spending with a simple rewards structure would be pleased with this card. The Ink Business Unlimited is an excellent choice for those with other Chase cards in their wallet, as it can also add value in the form of Chase Ultimate Rewards points. Its 1.5% cash-back perk is optimal for those not interested in managing bonus categories.
This card is great for filling in any gaps in your earning strategy thanks to its 1.5% back on all purchases. It’s also a good way to accrue transferable points you can use within Chase portals.
The Blue Business? Plus Credit Card from American Express is a similar fixed-rate card that offers 2 points per dollar on all eligible business purchases, on up to $50,000 per calendar year (then 1 point per dollar). It also carries no annual fee (see rates and fees).
With a simple earning structure and a $95 annual fee, the Bank of America Premium Rewards card is a solid option for anyone who is a Bank of America Preferred Rewards? member. It also offers a strong sign-up bonus, solid bonus categories and a few value-added perks.
If you’re a Bank of America Preferred Rewards? member, this card is an excellent option for you. Preferred Rewards members earn a 25%-75% rewards bonus on every purchase, making it a strong option for an everyday spending card. It’s also a solid option for those looking for simplicity, as you won’t have to worry about spending within bonus categories since you’ll earn a flat rate on every purchase.
Points and miles novices and experts who utilize Preferred Rewards will find value in this card’s rewards currency and simplistic structure. You can redeem points as a statement credit against big purchases that aren’t covered by points, making the card a versatile option that mimics cash-back rewards.
If you’re looking for stronger earning rates on a cash-back card or don’t participate in Bank of America’s Preferred Rewards program, consider the Citi Double Cash? Card. It earns 2% cash back on everyday purchases (1% when you buy and 1% when you pay your statement) and has a simple rewards structure with no annual fee (see rates and fees).
Credit pointers with Brian Kelly
What is an everyday spending credit card?
An everyday spending credit card is the card that you’d find yourself swiping for the type of purchases you make with regular frequency — not just groceries, gas and dining but also those categories that don’t fall into a common bonus category. This can include utility services, insurance renewals or even healthcare bills.
Using a credit card instead of cash or a debit card for go-to purchases is advantageous for those looking to earn rewards on the purchases they regularly make.
Should you use a credit card for everyday purchases?
If you want to maximize rewards and earn from your spending, using a credit card for everyday purchases is the way to go. You won’t earn rewards on purchases made with cash or debit cards, so deciding to make a credit card your go-to option for transactions you’d be making anyway is a smart decision.
Remember to avoid carrying a balance so that you don’t accrue interest and fall into credit card debt. TPG recommends paying off balances in full every month to maximize the value of rewards.
How we rate cards
Maximizing credit cards for everyday spending
Choose the best card for your regular spending habits
When thinking about the best credit card to choose for everyday use, it makes sense to consider how you’re regularly spending money. For instance, if you often find yourself picking up groceries or refilling your gas tank, a card that offers generous perks at supermarkets or gas stations would be a smart choice.
If you find that your regular purchases don’t fit into specific bonus categories, a card with a simpler earnings structure could be a better option. There’s no one-size-fits-all card for every person and spending pattern, so thinking about where you regularly find yourself spending money will help you make the most of a card used for everyday purchases.
Related: The best rewards credit cards for each bonus category
Consider the rewards you want to earn
On top of considering your regular spending habits, it’s also a good idea to think about what card offers the type of rewards you want to earn. The best card for everyday spending for you could be one that offers lucrative cash back, or it could be a card that earns a generous number of points and miles for travel. Whichever strategy you choose should align with the card you select for everyday purchases.
Related: Cash back vs. travel rewards: How to choose a credit card
Pay your balance off every month
Regardless of your reward goal or financial strategy, we at TPG always recommend that you avoid carrying a balance from month to month. Rapidly compounding interest charges you accrue when carrying a balance on everyday purchases will likely wipe away any gains you earn toward valuable rewards. It’s best to keep your everyday spending on a credit card within your personal budgeting strategy to truly maximize your rewards.
How to choose the best everyday spending credit card
- Select cards feature an annual fee but often feature an elevated earning rate. If you spending will earn more from the elevated rate than the card’s annual fee, then the card may be worth its annual fee for you.1Annual fee
- Welcome bonuses are a major contributor to a card’s value but larger bonuses typically require larger spending. Choose a credit card that you can meet the spending limit for to earn the card’s welcome bonus.2Welcome bonus
- For an everyday credit card, you want to look for cards that feature bonus categories that best align with your spending. Whether it is travel or groceries, choosing an everyday credit card that offers elevated earnings on your main spending category will help you reap the most rewards out of your spending.3Bonus categories
Ask our experts
What’s your favorite everyday credit card — and why?
Pros + cons of everyday spending credit cards
Pros
- When used responsibly, credit cards can improve your credit score.
- Many everyday credit cards offer a solid return on your spending — whether it’s a flat earning rate on all purchases or bonus rewards in key categories.
- Some everyday spending cards feature additional travel perks or statement credits.
Cons
- Spending beyond your means just to earn rewards can impact your credit score and cost you hundreds of dollars in interest.
- Some everyday credit cards only earn cash-back rewards, limiting your ability to use them for maximum value.
- If you select a broad everyday spending card, you may miss out on brand-specific perks — like free checked bags with your preferred airline or automatic hotel elite status.
Frequently asked questions
There is no single best card for everyday spending — just the best one for your situation.
The Chase Freedom Unlimited? is a great starter card to begin accruing valuable Ultimate Rewards points. Meanwhile, the Blue Business Plus offers an impressive return on general spending. In comparison, the Capital One Venture Rewards Credit Card offers a valuable sign-up bonus paired with a return of more than 2 miles per dollar on everyday spending long-term.
The Citi Double Cash? Card (see rates and fees) earns 2% cash back (1% when you buy, plus 1% as you pay), which can be converted to ThankYou points via a linked ThankYou Rewards account. And the Bank of America? Premium Rewards? credit card is a superb option if you have a high-balance relationship with Bank of America’s Preferred Rewards program.
Ultimately, all the cards on this list are valuable for everyday spending. Which one you choose will be determined by your spending habits and goals.
Using your credit card for everyday purchases is a great way to earn rewards and build your credit. With responsible usage, having a credit card for everyday spending can help you save money by earning cash back or reward points on money you already spend.
Credit cards do not have to be reserved for an emergency or an unexpected expense. Using a credit card for the spending you already do and paying it off every month — at TPG, we always recommend that you avoid carrying a balance whenever possible — is a great way to increase your credit score and improve your financial health.
The answer depends on your spending habits, financial goals and how many cards you’re comfortable managing at once for everyday spending. Some TPG staffers have over 20 credit cards, while others only hold a few. Many beginners start with just a single credit card, but if you’re considering more, be sure you’re comfortable juggling them all — especially when it comes to making on-time payments on everyday and recurring purchases.
A goal for many experts is to never earn just 1% on any given purchase. Generally, this means having cards that earn bonus rewards in the categories you spend the most in each month and at least one card that earns a decent reward rate on non-bonus spending.
If a slim wallet of two or three cards helps you hit your goals, then that’s the number of cards you should have. If a wallet filled with 20 or more helps you maximize spending and travel plans, then that’s valid, too. It’s all about your specific needs, wants and spending habits.