Best cards for everyday spend – (Fixed value and cash back cards)

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Best Cards For Everyday Spend

Which are the best cards for everyday spend? Many credit cards are great for spend within certain categories, but not great for spend everywhere else.  For example, the Citi Prestige card offers 5X ThankYou Rewards for airfare, dining, and most travel agencies, and 3X for hotels and cruise lines.  That’s great.  But, I don’t recommend using the card for spend outside of those categories where it only earns 1 point per dollar.  You can do better.

Separately we posted: Best Category Bonuses: Which card to use where?  There, you’ll find the best cards to use for many different types of purchases: grocery, dining, travel, etc.

Here, you’ll find the cards to turn to for spending everyday, everywhere else.

Special Mention: Altitude Reserve

Best Cards For Everyday Spend - US Bank

The US Bank Altitude Reserve card deserves special mention.  This card offers two 3X categories and then offers just 1 point per dollar everywhere else.  Points are worth 1.5 cents each towards travel.  So, as a pure “everywhere else” card, the Altitude Reserve is actually not great at all.  You can do much better than 1.5 cents per dollar value.  The reason I’m highlighting it here though is that one of its 3X categories is “mobile wallet payments” (travel is the other 3X category).  Mobile wallet payments include all payments made with Apple Pay, Google Pay, or Samsung Pay.  That’s an incredibly broad category.

Mobile Wallet payments, such as Apple Pay, are accepted at a huge number of stores around the world.  And, everywhere you use the Altitude Reserve in this way, you get the equivalent of 4.5% back towards travel.  That’s awesome!  Within the US, you can use mobile payments at most big-box stores, most supermarkets, most warehouse stores (such as Costco), and much more.  Those with certain Samsung devices (with MST technology) can even use Samsung Pay at terminals not equipped for mobile payments.  Nick previously wrote about using his Samsung watch in this wayCaution: US Bank has been known to shut down accounts of those who buy large value gift cards (e.g. $500) or large numbers of gift cards via mobile wallet payments with their Altitude Reserve card.

Now, back to the show…

The Best Cards for Everyday Spend

Card Info Name and Earning Rate (no offer)
The Blue Business℠ Plus Credit Card
Base
Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)
Discover it Miles (First Year)
Base
3%
Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year.
Citi Double Cash Card
Base
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)
Bank of America Travel Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Bank of America Premium Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
3.5X
(3.5%)
Dine
3.5X
(3.5%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ⚬ 2.625X everywhere else
BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
BOA Amtrak Guest Rewards World Mastercard
Base
Travel
Brand
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere
BOA Amtrak Guest Rewards Platinum Mastercard
Base
Brand
Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere
Alliant Cashback Visa Signature Card
Base
2.5%
Earning rate: 2.5% cash back everywhere up to $250 back per billing cycle (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)
The Amex EveryDay Preferred Card (with 30 purchases per billing cycle)
Base
Gas
Grocery
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ⚬ 3x points at US gas stations ⚬ 1.5x points on other purchases.
Wells Fargo Cash Wise Visa® Card
Base
Earning rate: 1.5% cash back everywhere in the form of Go Far Rewards ⚬ 1.8% back on Google Pay or Apple Pay purchases for the first 12 months
Chase Ink Business Unlimited
Base
Other
Earning rate: 1.5X on all purchases ⚬ 5X Lyft
Chase Freedom Unlimited (First Year)
Base
Travel
Dine
Grocery
Other
Earning rate: 5X grocery on up to $12K spend in first year, excludes Target & Walmart ⚬ 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else
Chase Freedom Unlimited
Base
Travel
Dine
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else
Capital One Spark Miles Business Credit Card
Base
Travel
Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel
Capital One Venture Rewards Credit Card
Base
Earning rate: 2X everywhere
Barclays Arrival® Premier World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Barclaycard Arrival Plus® World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Allegiant World Mastercard® Credit Card
Base
Dine
Brand
Earning rate: 3x Allegiant ⚬ 2x dining
Capital One Spark Cash Business Credit Card
Base
2%
Earning rate: 2% everywhere
American Express Blue Business Cash™ Card
Base
2%
Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.
Fidelity Rewards Visa
Base
2%
Earning rate: 2X everywhere
UBS Cash Rewards Visa Business
Base
2%
Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1%
Paypal Cashback Mastercard
Base
2%
Earning rate: 2% cash back everywhere
Virgin Atlantic World Elite Mastercard
Base
Earning rate: 1.5X everywhere
Air France KLM World Elite Mastercard
Base
Brand
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
United Club Business Card
Base
Brand
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
Chase United MileagePlus® Club Card
Base
Brand
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
Radisson Rewards Business Visa Card
Base
Brand
Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.
Radisson Rewards Premier Visa Signature Card
Base
Brand
Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.
The Amex EveryDay Card (with 20 purchases per billing cycle)
Base
Grocery
Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ⚬ 1.2X on other purchases
Major League Baseball BankAmericard Cash Rewards card (with Platinum Honors Preferred Rewards)
Base
1.75%
Travel
5.25%
Dine
5.25%
Gas
5.25%
Grocery
3.5%
Shop
5.25%
Other
5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Bank of America Cash Rewards (with Platinum Honors Preferred Rewards)
Base
1.75%
Travel
5.25%
Dine
5.25%
Gas
5.25%
Grocery
3.5%
Shop
5.25%
Other
5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
1.75%
Travel
5.25%
Dine
3.5%
Gas
5.25%
Phone
5.25%
Office
5.25%
Biz
5.25%
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else.
Choice Privileges® Visa Signature® Card issued by Barclays
Base
Brand
Earning rate: ⚬ 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else
Capital One Spark Miles Select Business Credit Card
Base
Travel
Earning rate: 1.5X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel
The Platinum Card® from American Express
Base
Travel
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
The Business Platinum Card® from American Express
Base
Travel
Other
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1X elsewhere
American Express® Gold Card
Base
Travel
Dine
Grocery
Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)
The Platinum Card® from American Express for Schwab
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
The Morgan Stanley Credit Card from American Express
Base
Travel
Dine
Shop
Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines
Business Green Rewards Card from American Express
Base
Travel
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.
The Platinum Card® from American Express for Ameriprise Financial
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked with American Express Travel
The Gold Card from American Express for Ameriprise Financial
Base
Travel
Dine
Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants
American Express® Business Gold Card
Base
Travel
Dine
Gas
Biz
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
The Business Gold Rewards Card from American Express
Base
Travel
Gas
Biz
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
The Amex EveryDay® Credit Card from American Express
Base
Grocery
Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases
The Amex EveryDay® Preferred Credit Card from American Express
Base
Gas
Grocery
Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.
The Platinum Card® from American Express Exclusively for Morgan Stanley
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel
American Express® Green Card
Base
Travel
Dine
Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Base
Travel
Gas
Grocery
Phone
Other
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month).
U.S. Bank FlexPerks® Gold American Express® card
Base
Travel
Dine
Gas
Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines
U.S. Bank Altitude Reserve Visa Infinite Card
Base
Travel
Shop
Other
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ⚬ 3X travel and mobile wallet payments
Wells Fargo Propel American Express® Card
Base
Travel
Dine
Gas
Other
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Chase Ink Business Preferred Card
Base
Travel
Phone
Biz
Other
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft
Chase Ink Business Cash Credit Card
Base
Dine
Gas
Phone
Office
Other
Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants ⚬ 5X Lyft
Wells Fargo Visa Signature Card (First 6 Months)
Base
Gas
Grocery
Other
Earning rate: 5X gas, grocery, drugstore for 6 months
Chase Sapphire Preferred Card
Base
Travel
Dine
Other
Earning rate: 2X Travel and Dining ⚬ 5X Lyft (through March 2022)
Chase Sapphire Reserve Card
Base
Travel
Dine
Other
Earning rate: 3X Travel and Dining ⚬ 10X Lyft (through March 2022)
Wells Fargo Visa Signature Card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
Chase Freedom Flex (First Year)
Base
Travel
Dine
Grocery
Other
Earning rate: 5X grocery on up to $12K spend in first year, excludes Target & Walmart ⚬ 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter.
HSBC Premier World Elite Mastercard® credit card
Base
Travel
Dine
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ⚬ 2x dining
Chase World of Hyatt Credit Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt
Chase Freedom Visa
Base
Grocery
Shop
Earning rate: 5X Lyft ⚬ 5X in rotating categories on up to $1,500 spend per quarter. Q3 2020: 5X Amazon and Whole Foods
UBS Visa Infinite
Base
Travel
Gas
Grocery
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
UBS Visa Infinite Business
Base
Travel
Phone
Office
Biz
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else
UBS Visa Signature
Base
Earning rate:
Chase Ink Plus® Business Credit Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft
Wells Fargo Rewards Visa (First 6 Months)
Base
Gas
Grocery
Other
Earning rate: 5X gas, grocery, drugstore for 6 months
Wells Fargo Rewards Visa® card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
Chase Hyatt Visa Signature
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants, airlines, car rentals ⚬ 3X Hyatt
Chase Freedom Flex
Base
Travel
Dine
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter.
Bank of America Travel Rewards
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Discover it Business - Double cash back your first year
Base
1.5X
(1.5%)
Earning rate: 1.5% cash back for all spend.
FNBO TravElite Credit Card
Base
1.5X
(1.5%)
Travel
Earning rate: ⚬ 3X Travel ⚬ 1.5X everywhere else
BOA Business Advantage Travel Rewards World Mastercard
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Capital One Spark Cash Select Business Credit Card
Base
1.5%
Earning rate: 1.5% everywhere
American Express Cash Magnet® Card
Base
1.5%
Earning rate: 1.5% on all eligible purchases
Discover it Miles - Double Miles your first year
Base
1.5%
Earning rate: 1.5 miles per dollar for all spend.
Schwab Investor Card® from American Express
Base
1.5%
Earning rate: 1.5% on all eligible purchases
Capital One Quicksilver
Base
1.5%
Earning rate: 1.5% everywhere
Barclaycard CashForward
Base
1.5%
Earning rate: 1.5% everywhere
Bank of America Premium Rewards
Base
1.5%
Travel
2%
Dine
2%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Wells Fargo Business Platinum Visa® card
Base
1.5%
Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.
Citi ThankYou Prestige Card
Base
Travel
Dine
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
Citi Premier Card
Base
Travel
Dine
Gas
Grocery
Other
Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies ⚬ 3X all-other travel (until 8/23/20) ⚬ 2X entertainment (until 8/23/20)
Citi ThankYou Preferred Card
Base
Dine
Other
Earning rate: 2X dining and entertainment
AT&T Access Card
Base
Travel
Shop
Brand
Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Citi Rewards+ Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Citi Rewards+ Student Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
AT&T Access More Card
Base
Travel
Shop
Brand
Earning rate: ⚬ 3 points per $1 on products and services that are purchased directly from AT&T ⚬ 3 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Citi Business ThankYou Card
Base
Other
Earning rate: 3X rotating quarterly categories
Marriott Bonvoy Premier Plus Business
Base
Gas
Phone
Biz
Brand
Earning rate: 6X Marriott ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.
Marriott Bonvoy Boundless™ Credit Card
Base
Brand
Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 2X everywhere else
Chase Ritz Carlton Rewards Visa Infinite
Base
Travel
Dine
Brand
Earning rate: ⚬ 6X Ritz & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else
Marriott Bonvoy Business™ American Express® Card
Base
Dine
Gas
Phone
Biz
Brand
Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)
Marriott Bonvoy™ American Express® Card
Base
Brand
Earning rate: 6X Starwood and Marriott Properties ⚬ 2X on all other eligible purchases
Marriott Bonvoy Brilliant™ American Express® Card
Base
Travel
Dine
Brand
Earning rate: 3X airfare charged by airline, US restaurants, 6X Starwood and Marriott Properties; 2X on all other eligible purchases
Chase Southwest Airlines Rapid Rewards® Premier Business Card
Base
Travel
Brand
Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest
Chase Southwest Airlines Rapid Rewards® Plus Card
Base
Travel
Brand
Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest
Chase Southwest Airlines Rapid Rewards Priority Credit Card
Base
Travel
Brand
Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest
Chase Southwest Airlines Rapid Rewards Premier Credit Card
Base
Travel
Brand
Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest
Southwest Rapid Rewards Performance Business Credit Card
Base
Travel
Phone
Biz
Brand
Earning rate: 3X Southwest ⚬ 2x on social media and search engine advertising, Internet, cable and phone services
Hilton Honors American Express Surpass Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Hilton Honors American Express Business Card
Base
Travel
Dine
Gas
Phone
Biz
Brand
Other
Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases
Hilton Honors American Express Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Hilton Honors American Express Aspire Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 14X Hilton spend ⚬ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ⚬ 3X on all other eligible purchases ⚬ Terms & Limitations Apply.
JetBlue Card
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
JetBlue Business Card
Base
Dine
Office
Brand
Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else
Barclays JetBlue Plus Mastercard
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else
Capital One Venture One Credit Card
Base
1.25X
(1.31%)
Earning rate: 1.25X everywhere
Delta SkyMiles® Gold Business Credit Card from American Express
Base
Dine
Brand
Other
Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants
Delta SkyMiles® Gold Credit Card from American Express
Base
Dine
Grocery
Brand
Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets
Delta SkyMiles® Blue Credit Card from American Express
Base
Dine
Brand
Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases
Delta SkyMiles® Reserve for Business Credit Card
Base
Brand
Other
Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K
United Club℠ Infinite Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 4X United ⚬ 2X dining & travel
Chase United Explorer Card
Base
Travel
Dine
Brand
Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays
AAdvantage Aviator Red World Elite MasterCard
Base
Brand
Earning rate: ⚬ 2X AA ⚬ 1X everywhere else
AAdvantage® AviatorTM Business MasterCard®
Base
Travel
Phone
Office
Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else
BOA Alaska Airlines Visa Signature
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
BOA Alaska Airlines Visa Business Card
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
Virgin Atlantic White Card
Base
Brand
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
Asiana Airlines Visa Business Card
Base
Brand
Earning rate: 2X Asiana
United℠ Business Card
Base
Dine
Gas
Office
Other
Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Chase United MileagePlus® Explorer Business
Base
Dine
Gas
Office
Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United.
AAdvantage® AviatorTM Silver World Elite MasterCard®
Base
Travel
Brand
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
Asiana Airlines Visa Signature
Base
Gas
Grocery
Brand
Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.
Delta SkyMiles® Platinum Business Credit Card from American Express
Base
Travel
Brand
Other
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)
Avianca Vuela Visa Card
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America
JAL USA CARD
Base
Earning rate:
Delta SkyMiles® Platinum Credit Card from American Express
Base
Travel
Dine
Grocery
Brand
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets
Avianca Vida Visa Card
Base
Brand
Earning rate: 2X Avianca
TD Aeroplan™ Visa® Credit Card
Base
Brand
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
Citi AAdvantage Platinum Select World Elite Mastercard
Base
Dine
Gas
Brand
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
American Airlines AAdvantage MileUp Card
Base
Grocery
Brand
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
CitiBusiness AAdvantage Platinum Select World MasterCard
Base
Travel
Gas
Phone
Brand
Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas
Korean Air SKYPASS Business Visa issued by US Bank
Base
Travel
Gas
Brand
Earning rate: 2X miles on Korean Air, Gas Stations, Hotels
Korean Air SKYPASS Visa issued by US Bank
Base
Brand
Earning rate: 2X Korean Air
Korean Air SKYPASS Select Visa issued by US Bank
Base
Travel
Brand
Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels
PenFed Pathfinder Rewards American Express Card
Base
Travel
Earning rate: ⚬ 3X or 4X Travel ⚬ 1.5X everywhere else ⚬ 4X travel for Access America
Checking account holders and military members
Best Western Rewards Premium MasterCard issued by First Bankcard
Base
Brand
Earning rate: 10X at Best Western properties ⚬ 2X elsewhere
Radisson Rewards Visa Signature Card
Base
Brand
Earning rate: ⚬ 6X at CC hotels ⚬ 3X elsewhere
HSBC Premier World Mastercard® credit card
Base
Travel
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
CNB Crystal Visa Infinite Credit Card
Base
Travel
Dine
Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else
Cathay Pacific Visa Signature card
Base
Dine
Brand
Other
Earning rate: ⚬ 2X Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else
Chase Aer Lingus Visa Signature® Card
Base
Brand
Earning rate: ⚬ 3X Aer Lingus, Iberia, British Airways, LEVEL and OpenSkies ⚬ 1X elsewhere
Chase Iberia Visa Signature® Card
Base
Brand
Earning rate: ⚬ 3X Iberia, British Airways, Aer Lingus, LEVEL and OpenSkie ⚬ 1X elsewhere
Chase British Airways Visa Signature® Card
Base
Travel
Brand
Earning rate: ⚬ 3X British Airways. Iberia, and Open Skies purchases ⚬ 2X hotels ⚬ 1X elsewhere
BB&T Spectrum Rewards
Base
1.05X
(1.05%)
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%
TD First Class Visa Signature® Card
Base
Travel
Dine
Earning rate: 3X travel & dining
Discover it®
Base
Dine
Shop
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2020 Q3: 5% Restaurants & 5% Paypal
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
Base
Dine
Gas
Grocery
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services
Barclays Arrival™ World MasterCard®
Base
Travel
Dine
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
Norwegian Cruise Line® World Mastercard®
Base
Travel
Brand
Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel
Royal Caribbean® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Celebrity Cruises® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Discover it® for Students
Base
Dine
Shop
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2020 Q3: 5% Restaurants & 5% Paypal
BBVA
ClearPoints Credit Card
Base
Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped.
TD Business Solutions Visa
Base
1%
Dine
2%
Gas
2%
Phone
3%
Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations
U.S. Bank Business Leverage® Visa Signature® Card
Base
1%
Other
2%
Earning rate: 2x on top two categories where you spend the most each month.
TD Cash Visa Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% dining ⚬ 2% grocery stores
U.S. Bank Cash+
Base
1%
Travel
5%
Dine
2%
Gas
2%
Grocery
2%
Shop
5%
Phone
5%
Other
5%
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores
AARP Credit Card from Chase
Base
1%
Dine
3%
Gas
3%
Earning rate: 3% restaurants and gas stations.
U.S. Bank Business Cash Rewards World EliteTM Mastercard
Base
1%
Gas
3%
Phone
3%
Office
3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Upromise World MasterCard® issued by Barclays
Base
1%
Shop
2%
Brand
5%
Other
2%
Earning rate: ⚬ 5% cash back on eligible Online Shopping through Upromise.com (in addition to portal cash back) ⚬ 2% cash back at eligible in-store department stores and movie theaters ⚬ 1% cash back on all other purchases
SimplyCash® Plus Business Credit Card from American Express
Base
1%
Travel
3%
Gas
3%
Phone
5%
Office
5%
Biz
3%
Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Amazon Business American Express Card
Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services
Huntington Voice
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
3%
Shop
3%
Office
3%
Biz
3%
Other
3%
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
“Old” Blue Cash Card from American Express
Base
1%
Grocery
5%
Other
5%
Earning rate: ⚬ Up to 5% Cash Back at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ⚬ Up to 1% Cash Back on other purchases. ⚬ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ⚬ Terms Apply.
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Blue Cash Preferred® Card from American Express
Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%
Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply.
Blue Cash Everyday® Card from American Express
Base
1%
Gas
2%
Grocery
3%
Shop
2%
Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply.
Costco Anywhere Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else
Costco Anywhere Business Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Brand
2%
Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else
Bank of America Cash Rewards
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter
ABOC Platinum Rewards
Base
1%
Dine
5%
Gas
5%
Other
5%
Earning rate: 5x in rotating categories, up to $1500 spend per quarter. 2020 Q2: Groceries stores, restaurants, and certain forms of transportation
Disney Visa Card
Base
1%
Earning rate:
Capital One Savor
Base
1%
Dine
4%
Grocery
2%
Other
4%
Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 8% back on tickets at Vivid Seats through May 2020 ⚬ 1% everywhere else
Capital One Savor One
Base
1%
Dine
3%
Grocery
2%
Other
3%
Earning rate: ⚬ 3% on dining & entertainment ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else
Citi Dividend Platinum Select
Base
1%
Other
5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. 2020 Q1 = Fitness Clubs and supermarkets
BBVA Compass NBA American Express Card
Base
1%
Gas
2%
Grocery
2%
Brand
3%
Other
5%
Earning rate: 2X gas and grocery ⚬ 3X NBA purchases ⚬ 5X on all purchases during the NBA All-Star Weekend and two weeks of the NBA finals
BBVA Compass Select
Base
1%
Other
3%
Earning rate: Choose one category (e.g. Airlines) to earn 3x points; Choose 2 categories (e.g. Dining & Hotels) to earn 2x points ⚬ Earn 1 point per $1 on all other purchases
Marvel MasterCard from Synchrony
Base
1%
Brand
3%
Other
3%
Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)
Affinity Cash Rewards Visa® Signature Credit Card
Base
1%
Dine
7%
Gas
2%
Grocery
2%
Other
5%
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $3500 in purchases per month) ⚬ Extra 5% back in rotating categories (Q3 2020: Clothing & Home Furnishings) ⚬ 2% back at restaurants, gas stations, and supermarkets
Bank of America Business Advantage Cash Rewards Mastercard
Base
1%
Travel
3%
Dine
2%
Gas
3%
Phone
3%
Office
3%
Biz
3%
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank
Base
1%
Brand
3%
Earning rate: 3% cash back on qualified purchases made through the Ebates portal ⚬ 1% cash back everywhere else.
Frontier Airlines World MasterCard®
Base
Dine
Brand
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
Uber Visa Card
Base
Travel
Dine
Brand
Earning rate: 5% Uber Cash for Uber spend (including UberEATS) ⚬ 3% Uber Cash for dining, hotels, and airfare ⚬ 1% Uber Cash everywhere else
The Hawaiian Airlines® Business MasterCard® issued by Barclays
Base
Dine
Gas
Office
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else
Sonesta World Mastercard
Base
Travel
Brand
Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
Base
Dine
Gas
Grocery
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else
Chase Marriott Bonvoy Premier
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Marriott.
Marriott Bonvoy Bold Credit Card
Base
Travel
Brand
Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else
Citi® Expedia®+ Voyager Card
Base
Dine
Brand
Other
Earning rate: 4X Expedia purchases ⚬ 2x restaurants & entertainment
Citi® Expedia+ Credit Card
Base
Brand
Earning rate: 3X Expedia purchases
Wyndham Rewards Visa issued by Barclays
Base
Gas
Grocery
Brand
Other
Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else
Wyndham Rewards Visa issued by Barclays (no annual fee)
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else
Chase IHG® Rewards Club Select Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Chase IHG® Rewards Club Premier Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: 25x at IHG properties and 4x everywhere total for the first year, then: ⚬ 10X IHG ⚬ 2X gas, grocery, and restaurants.
Chase IHG® Rewards Club Traveler Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
LATAM Visa Signature issued by US Bank
Base
Brand
Earning rate: 2X on spending with LAN & TAM
BOA Platinum Business Visa
Base
0%
Earning rate:

The above cards (at least the top 25 or so in the list) offer great rewards regardless of where they’re used.  Our entire database of credit cards is contained above, shown 10 cards at a time, and sorted with the best everyday everywhere-else rewards on top.  For the purposes of this post, please train your eyes on the boxes titled “Base”.  These show the base earning rate (aka “everywhere else” earning rate) for each card.

For cards that earn points instead of cash back, we’ve listed the “X” which is the number of points per dollar earned. For example, “2X” means that the card earns 2 points per dollar.

Cards are sorted by the value of the “Base” rebate in descending order based on our Reasonable Redemption Values (RRVs), or by their fixed redemption value with cash back cards.

As we analyze the best cards for everyday spend, it’s worth noting that transferable points are assigned higher Reasonable Redemption Values since they make it possible to cherry pick the best value awards.  In some cases this will be unintuitive:

  • Fixed Value Cards: Capital One Venture and Spark Miles cards earn Capital One “miles” that are worth exactly 1 cent each when redeemed for travel. So, when you look at a card that earns 2 “miles” per dollar you would expect to see 2% as the base rewards rate.  Instead, you’ll find a higher percentage because Capital One Miles are transferable to airline miles at a rate up to 2 Capital One Miles to 1.5 airline miles.
  • Cash Back Cards:  Some cards are advertised as cash back cards, but actually earn points that can be converted to airline miles or hotel points.  For example, the Chase Freedom card is advertised as a cash back card where points are worth 1 cent each.  However, if you (or another household member) has a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Plus, etc.), you can move points from the Freedom card to the other card and then transfer those points to airline or hotel programs as needed.
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