These are the best credit cards for everyday spending

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

What’s the best card to use for everyday purchases — including seasonal gifts — when you’re not trying to meet minimum spending requirements on a top travel credit card to unlock a generous sign-up bonus? From a straightforward cash-back card that earns 2% on all expenses to valuable travel rewards cards, here’s a list of the cards from our partners that offer the best return on everyday non-bonus spending.

Best for drug stores

Chase Freedom Unlimited®

TPG Editor's Rating
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4/5
at Chase's secure site

Rewards

1.5 - 5% cash-back
more info

Intro Bonus

$200
details

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

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.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
Best for drug stores

Chase Freedom Unlimited®

TPG Editor's Rating

tooltip
4/5
  • 5% Earn 5% on travel purchased through Chase.
  • 3% Earn 3% on dining at restaurants and drugstores
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.

Intro Bonus
tooltip

$200

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

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.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

TPG Editor's Rating
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4.5/5
at Capital One's secure site

Rewards

2X points
more info

Intro Bonus

100,000 miles
details

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 100,000 miles, valued by TPG at $1,700
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Best for airline miles

Capital One Venture Rewards Credit Card

TPG Editor's Rating

tooltip
4.5/5
  • 2X Earn unlimited 2X miles on every purchase, every day.

Intro Bonus
tooltip

100,000 miles

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 100,000 miles, valued by TPG at $1,700
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 2X points
more info

Intro Bonus

No current offer
details

Annual Fee

No annual fee

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

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.

Pros

  • No annual fee
  • Earn Membership Rewards points
  • Transfer points to 22 travel partners
  • Comes with extended warranties, purchase protection, baggage insurance and secondary car rental insurance

Cons

  • No welcome bonus
  • 2x points capped at $50,000 a year
  • No higher bonus categories for business-related spending
  • 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express

TPG Editor's Rating

tooltip
4/5
  • 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

Intro Bonus
tooltip

No current offer

Annual Fee

No annual fee

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

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.

Pros

  • No annual fee
  • Earn Membership Rewards points
  • Transfer points to 22 travel partners
  • Comes with extended warranties, purchase protection, baggage insurance and secondary car rental insurance

Cons

  • No welcome bonus
  • 2x points capped at $50,000 a year
  • No higher bonus categories for business-related spending
  • 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

TPG Editor's Rating
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3.5/5
at Bank of America's secure site

Rewards

1.5 - 2X points
more info

Intro Bonus

50,000 points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

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 50,000-point sign-up bonus after spending $3,000 in the first 90 days of account opening.

Pros

  • This card is more valuable for Bank of America Preferred Rewards members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA Pre✓® statement credit and travel protections
  • Can transfer points earned into a 529 college fund

Cons

  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21
  • Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don't expire
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • 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 Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • 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.
Best for travel

Bank of America® Premium Rewards® credit card

TPG Editor's Rating

tooltip
3.5/5
  • 2X Earn unlimited 2 points for every $1 you spend on travel and dining purchases.
  • 2X Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • 1.5X Earn 1.5 points for every $1 you spend on all other purchases.

Intro Bonus
tooltip

50,000 points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

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 50,000-point sign-up bonus after spending $3,000 in the first 90 days of account opening.

Pros

  • This card is more valuable for Bank of America Preferred Rewards members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA Pre✓® statement credit and travel protections
  • Can transfer points earned into a 529 college fund

Cons

  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21
  • Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don't expire
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • 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 Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • 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.
Best for cash back

Citi® Double Cash Card

TPG Editor's Rating
tooltip

3.5/5
at Citi's secure site

Rewards

2% cash-back
more info

Intro Bonus

N/A
details

Annual Fee

$0

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

When it comes to everyday spending, it’s hard to beat the Citi Double Cash Card. You’ll earn up to 2% back on every purchase, and you can now redeem as cash back or by converting rewards to ThankYou points with an eligible card.

Pros

  • Earning 2% back 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 18 months of 0% intro APR on balance transfers made within the first four months of account opening (variable APR of 13.99% - 23.99% applies after).

Cons

  • There is no welcome bonus available on this card
  • Those looking to make a balance transfer will have to pay a $5 or 3% of the balance you transfer (whichever is greater).
  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Best for cash back

Citi® Double Cash Card

TPG Editor's Rating

tooltip
3.5/5
  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Intro Bonus
tooltip

N/A

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

When it comes to everyday spending, it’s hard to beat the Citi Double Cash Card. You’ll earn up to 2% back on every purchase, and you can now redeem as cash back or by converting rewards to ThankYou points with an eligible card.

Pros

  • Earning 2% back 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 18 months of 0% intro APR on balance transfers made within the first four months of account opening (variable APR of 13.99% - 23.99% applies after).

Cons

  • There is no welcome bonus available on this card
  • Those looking to make a balance transfer will have to pay a $5 or 3% of the balance you transfer (whichever is greater).
  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Best for business cash back

Ink Business Unlimited® Credit Card

TPG Editor's Rating
tooltip

4/5
at Chase's secure site

Rewards

1.5% cash-back
more info

Intro Bonus

$750
details

Annual Fee

$0

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

The Ink Business Unlimited’ sign-up gives you a generous $750 cash back spending $7,500 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not cpvered 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 and the Ink Business Preferred.

Pros

  • No annual fee
  • A generous $750 cash-back sign-up bonus
  • Flat 1.5% cash back on all purchases.
  • Primary insurance for car rentals
  • 0% introductory APR for the first 12 months on purchases (then a variable APR of 13.24% - 19.24% applies)

Cons

  • Higher spend to receive sign-up bonus
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • No travel protections
  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Best for business cash back

Ink Business Unlimited® Credit Card

TPG Editor's Rating

tooltip
4/5
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

Intro Bonus
tooltip

$750

Annual Fee

$0

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

The Ink Business Unlimited’ sign-up gives you a generous $750 cash back spending $7,500 on purchases in the first 3 months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not cpvered 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 and the Ink Business Preferred.

Pros

  • No annual fee
  • A generous $750 cash-back sign-up bonus
  • Flat 1.5% cash back on all purchases.
  • Primary insurance for car rentals
  • 0% introductory APR for the first 12 months on purchases (then a variable APR of 13.24% - 19.24% applies)

Cons

  • Higher spend to receive sign-up bonus
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • No travel protections
  • Earn $750 bonus cash back after you spend $7,500 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Best for U.S. supermarkets and gas in the U.S.

Blue Cash Preferred® Card from American Express

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

1 - 6% cash-back
more info

Intro Bonus

Up to $350
details

Annual Fee

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

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

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 that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards
  • You’ll only pay a $95 annual fee, and it’s waived in the first year
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
Best for U.S. supermarkets and gas in the U.S.

Blue Cash Preferred® Card from American Express

TPG Editor's Rating

tooltip
4/5
  • 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

Intro Bonus
tooltip

Up to $350

Annual Fee

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

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

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 that’s waived the first year.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards
  • You’ll only pay a $95 annual fee, and it’s waived in the first year
  • The card comes with access to Amex Offers, which can save you even more money on specific purchases

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with large grocery budgets
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Best credit cards for everyday spending in 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Chase Freedom Unlimited® Drug stores $200
  • Earn 5% on travel purchased through Chase.
  • Earn 3% on dining at restaurants and drugstores
  • Earn unlimited 1.5% cash back on all other purchases.
$0
Capital One Venture Rewards Credit Card Airline miles 100,000 miles
  • Earn unlimited 2X miles on every purchase, every day.
$95
The Blue Business® Plus Credit Card from American Express Everyday business expenses N/A
  • 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
No annual fee
Bank of America® Premium Rewards® credit card Travel 50,000 points
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases.
  • Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • Earn 1.5 points for every $1 you spend on all other purchases.
$95
Citi® Double Cash Card Cash back N/A
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
$0
Ink Business Unlimited® Credit Card Business cash back $750
  • Earn unlimited 1.5% cash back on every purchase made for your business
$0
Blue Cash Preferred® Card from American Express Groceries at U.S. supermarkets Up to $350
  • 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 on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
$0 introductory annual fee for the first year, then $95.

Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Not to be confused with the Chase Freedom Flex that offers 5% cash back (5 points per dollar spent) on rotating quarterly bonus categories on up to $1,500 in combined purchases each quarter you activate, the Chase Freedom Unlimited earns at least 1.5% cash back (1.5 points per dollar spent) spent on everything. Plus, last year, Chase added three higher-earning categories, giving cardholders an opportunity to boost their rewards on the following:

  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining
  • 3% back on drugstore purchases

Points earned from the Chase Freedom Unlimited can be converted into Ultimate Rewards points if you have a premium Chase credit card such as the Chase Sapphire Preferred CardChase Sapphire Reserve, or Ink Business Preferred Credit Card. If not, you can redeem your cash back as a statement credit or direct deposit into most U.S. checking and savings accounts, or in the Ultimate Rewards portal for travel, for shopping at Amazon.com or buying gift cards.

TPG values Ultimate Rewards points conservatively at 2 cents each, making the Chase Freedom Unlimited welcome offer of $200 worth at least $300 or 30,000 points when transferring to one of Chase’s full-fledged Ultimate Rewards cards.

The Freedom Unlimited is a perfect starter card and an ideal pairing with one of Chase’s premium cards but it is subject to Chase’s 5/24 rule — which means that you’ll be automatically denied if you’ve opened five or more new cards in the previous 24 months.

Read our Chase Freedom Unlimited full card review for more information.

Capital One Venture Rewards Credit Card

(Photo by Wyatt Smith / The Points Guy)
(Photo by Wyatt Smith / The Points Guy)

Long before the Capital One Venture began adding hotel and airline transfer partners, the card was a fan favorite (and THE Points Guy Brian Kelly’s favorite), thanks to a strong earning rate of 2 miles per dollar on all purchases. While you can still redeem miles at a fixed rate of 1 cent each to eliminated eligible purchases made in the last 90 days, you also have the option to transfer them to some truly exceptional frequent flyer programs — including Avianca LifeMilesAir Canada AeroplanFlying Blue and more — to unlock outsized value.

Read our review of the Capital One Venture card for more details.

Amex EveryDay Preferred Card

(Photo by John Gribben for The Points Guy)

The Amex EveryDay Preferred card is a lucrative option if you can commit to 30 making transactions monthly. That’s because, in addition to earning valuable Membership Rewards points on popular everyday bonus categories (1 point per dollar spent on non-bonus spending), you’ll earn 50% more points in each billing cycle if you make 30 or more purchases.

Related: How to redeem American Express Membership Rewards for maximum value

If this is your only credit card or one of only a few you use for everyday purchases, you should be able to earn 50% bonus points every month for the life of the card. You’ll effectively be earning 1.5x on everyday non-bonus spending.

Despite the $95 annual fee, you can earn even more points, thanks to the card’s popular bonus categories such as 3x at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1x) and 2x at U.S. gas stations, making it a solid choice for an everyday card. Remember that the 50% bonus makes those bonus categories even more valuable.

Read our review of the Amex EveryDay Preferred for more details.

The information for the Amex EveryDay Preferred 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 Business Plus Credit Card from American Express

The Blue Business Plus card is a favorite among Membership Rewards enthusiasts because it’s one of the only no-annual-fee cards (see rates and fees) to earn full-fledged transferable points. The credit card earns 2 points per dollar spent on all purchases, up to $50,000 in a year, then 1 point per dollar spent. TPG values Membership Rewards points at 2 cents each, meaning this card provides a 4% return on all spending.

Potentially, you could net 100,000 Membership Rewards points a year by spending $50,000, which TPG values at $2,000. There are many ways to redeem Membership Rewards points for maximum value.

The only downside of this card is that it’s a business card, not a personal card, so not everyone can apply for it (though you may be more eligible than you think).

Read the Blue Business Plus card review for more details.

Bank of America® Premium Rewards® credit card

(Photo by John Gribben for The Points Guy)

As the lone Bank of America card on our list, the Bank of America Premium Rewards card packs a punch, with a sign-up bonus worth 50,000 points ($500). It also includes an up to $100 annual airline incidental fee statement credit, meaning you come out ahead every year you keep the card open after paying the $95 annual fee.

Points can be redeemed for travel, cash back or even a cash deposit into a linked Bank of America or Merrill account. The card earns 1.5x on non-bonus spending and 2x on travel and dining, which means this is a decent but not exceptional card for everyday purchases. Plus, earn 2 points for every $1 spent on grocery store purchases- now through 12/31/21. However, the card becomes more attractive when combined with Bank of America’s Preferred Rewards program.

To significantly increase the value of your spending return, you’ll need an eligible Bank of America checking account with an average daily balance of at least $20,000. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar spent on dining and travel, and an impressive 2.62 points per dollar spent on non-bonus spending.

Read the Bank of America Premium Rewards review for more details.

Citi® Double Cash Card

(Photo by Josh Gribben for The Points Guy)
(Photo by Josh Gribben for The Points Guy)

The Citi Double Cash card comes with a competitive 2% cash back on everything — 1% when you make a purchase and another 1% when you pay it off. With no annual fee to worry about, you can keep it forever. The card increased in value when Citi allowed the cash back earned on the Double Cash card to convert into Citi ThankYou Points.

The card has substantial stand-alone value but paired with Citi’s more premium cards, such as the Citi Premier® Card or Citi Prestige® Card, you could extract incredible value for travel. That’s because Citi allows you to transfer points to their airline partners and book flight awards. With the added flexibility, the Citi Double Cash is a great option for everyday expenses.

The information for the Citi Prestige 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.

Read the Citi Double Cash card review for more details.

Chase Ink Business Unlimited

(Photo by The Points Guy)
(Photo by The Points Guy)

The Ink Business Unlimited Credit Card earns 1.5% cash back on every purchase. The card is an excellent addition to the Chase small-business lineup and currently offers a generous sign-up bonus of $750 (after you spend $7,500 on purchases in the first three months), that is unusually large for a cash-back card with no annual fee.

You can qualify for a business credit card, whether you sell stuff online or work as a sole proprietor. Many freelance jobs or side hustles are considered businesses and eligible for a business credit card.

What makes the Ink Business Unlimited a phenomenal everyday card is that beyond earning 1.5x on all purchases, you can also combine your rewards with Chase Ultimate Rewards credit cards (Chase Sapphire PreferredChase Sapphire Reserve and Ink Business Preferred). This gives you the ability to transfer points to travel partners or receive between 1.25-1.5 cents (depending on whether you have the Sapphire Preferred or Sapphire Reserve) when you redeem points toward travel reservations made through the Chase Ultimate Rewards portal.

This card is very similar to the popular Chase Freedom Unlimited, except it offers a higher sign-up bonus. The only drawback is that you may have a tougher time getting approved for the Ink as a business card than for the personal Chase Freedom Unlimited.

Related: Ink Business Unlimited card review 

Blue Cash Preferred® Card from American Express

This card only earns 1% cash back on everyday expenses. However, the real reason the Blue Cash Preferred is a top everyday spending card is for its incredibly lucrative bonus categories that hit home with many people.

The categories are as follows:

  • 6% back on select U.S. streaming subscriptions (Netflix, Disney+, Hulu, etc.)
  • 6% back at U.S. supermarkets (up to $6,000 per calendar year) then 1% after that
  • 3% back on transit (parking, tolls, ride-share, subway, etc.)
  • 3% back at U.S. gas stations
  • 1% everywhere else
    • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms apply

See the Blue Cash Preferred card review for more details.

Bottom line

There is no single best card for everyday spending — just the best one for your situation.

The Chase Freedom Unlimited is a wonderful starter card to begin accruing treasured Ultimate Rewards points. The Blue Business Plus offers an impressive 4% return on general spending (based on TPG valuations) with a limit of $50,000 each calendar year to earn 2x points (then 1x thereafter). In comparison, the Capital One Venture Rewards Credit Card offers a valuable sign-up bonus paired with more than a 2% return on everyday spending long-term.

The Citi Double Cash card earns 2% cash back (1% when you buy, plus 1% as you pay), which can be converted to ThankYou Points via a linked ThankYou account. And the Bank of America® Premium Rewards® credit card is a superb option if you have a high-balance relationship in Bank of America’s Preferred Rewards program.

Ultimately, all cards on this list are valuable for everyday spending. Which one you choose will be determined by your spending habits and goals.

Related credit card guides

Additional reporting by Stella Shon, Benji Stawski and Chris Dong. 

For rates and fees of the Blue Cash Preferred card, please click here.
For rates and fees of the Blue Business Plus card, please click here.

Featured photo by LeoPatrizi/Getty Images

Chris Dong
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