Best Everywhere Else Rewards Cards

Best Everywhere Else Credit Cards

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 everywhere else.  You get the idea.

Special Mention: Altitude Reserve

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 Everywhere Else Rewards Cards

The following 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 below, shown 10 cards at a time, and sorted with the best 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.

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.
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. See Rates & Fees
Alliant Cashback Visa Signature Card (First Year)
Base
3%
Earning rate: Earn 3% cash back first year, then 2.5% thereafter
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.
Chase Freedom Unlimited
Base
Earning rate: 1.5X on all purchases.
Chase Ink Business Unlimited
Base
Earning rate: 1.5X on all purchases.
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.
Capital One® Spark® Miles for Business
Base
Earning rate: 2X everywhere
BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Business Advantage Relationship Rewards)
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)
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
Bank of America Travel Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Earning rate: 2.625X everywhere when you have Platinum Honors status with Bank of America's Preferred Rewards program
BOA Amtrak Guest Rewards Platinum Mastercard
Base
Brand
Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere
BOA Amtrak Guest Rewards World Mastercard
Base
Travel
Brand
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere
Alliant Cashback Visa Signature Card
Base
2.5%
Earning rate: 2.5% cash back everywhere
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
Virgin Atlantic World Elite Mastercard
Base
1.5X
(2.1%)
Earning rate: 1.5X everywhere
Chase United MileagePlus® Club Card
Base
1.5X
(2.1%)
Brand
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
Air France KLM World Elite Mastercard
Base
1.5X
(2.1%)
Brand
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
Capital One® Spark® Miles Select for Business
Base
Earning rate: 1.5X everywhere
Barclaycard Arrival Plus® World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Barclays Arrival® Premier World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Capital One® Spark® Cash for Business
Base
2%
Earning rate: 2% everywhere
Fidelity Rewards Visa
Base
2%
Earning rate: 2X everywhere
Citi Double Cash Card
Base
2%
Earning rate:
Paypal Cashback Mastercard
Base
2%
Earning rate: 2% cash back everywhere
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.
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
Citi ThankYou Preferred Card
Base
Dine
Other
Earning rate: 2X dining and entertainment
Citi Premier Card
Base
Travel
Dine
Gas
Other
Earning rate: ⚬ 3X travel and gas ⚬ 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
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.
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
American Express Platinum Card® 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
Citi Business ThankYou Card
Base
Other
Earning rate: 3X rotating quarterly categories
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
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
Chase Ink Plus® Business Credit Card
Base
Travel
Gas
Phone
Office
Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels.
Chase Ink Business Preferred Card
Base
Travel
Phone
Biz
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)
Chase Ink Business Cash Credit Card
Base
Dine
Gas
Phone
Office
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
Chase Freedom®
Base
Gas
Other
Earning rate: 5X in rotating categories on up to $1,500 spend per quarter. Q1 2019: 5X Gas Stations, Drugstores, and Tolls
Chase Sapphire Preferred Card
Base
Travel
Dine
Earning rate: 2X Travel and Dining
Chase Sapphire Reserve Card
Base
Travel
Dine
Earning rate: 3X Travel and Dining
Citi ThankYou Prestige Card
Base
Travel
Dine
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
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
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
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. Terms apply. See Rates & Fees
The Platinum Card® from American Express Exclusively for Mercedes-Benz
Base
Travel
Brand
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotel bookings at Amextravel.com ⚬ 5X for Mercedes Benz purchases
Premier Rewards Gold Card from American Express
Base
Travel
Dine
Gas
Grocery
Earning rate: ⚬ 3X points for flights booked with airlines ⚬ 2X points at US gas stations, US supermarkets & US restaurants ⚬ 1X points on other purchases. Terms apply.
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 US restaurants ⚬ 1X points on other purchases. Terms apply. See Rates & Fees
American Express® Green Card
Base
Travel
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. See Rates & Fees
Business Green Rewards Card from American Express
Base
Travel
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply. See Rates & Fees
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
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. See Rates & Fees
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
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
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 Business Advantage Relationship Rewards)
Base
1.75%
Dine
3.5%
Gas
5.25%
Office
5.25%
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 5.25% for gas and office supply store purchases (up to $250K spend each calendar year); and 3.5% at restaurants.
Chase World of Hyatt Credit Card
Base
Travel
Dine
Brand
Other
Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt
Chase Hyatt Visa Signature
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants, airlines, car rentals ⚬ 3X Hyatt
Capital One® VentureOne® Rewards Credit Card
Base
1.25X
(1.7%)
Earning rate: 1.25X everywhere
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
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 Premier 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 Priority Credit Card
Base
Travel
Brand
Earning rate: 2X at at participating Rapid Rewards® hotel and rental car partners ⚬ 2X Southwest
Wells Fargo Propel World American Express® Card
Base
Travel
Dine
Other
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
Wells Fargo Visa Signature Card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
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).
Wells Fargo Rewards Visa® card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
Wells Fargo Rewards Visa (First 6 Months)
Base
Gas
Grocery
Other
Earning rate: 5X gas, grocery, drugstore for 6 months
U.S. Bank Altitude Reserve Visa Infinite Card
Base
Travel
Shop
Earning rate: 3X travel and mobile wallet payments
U.S. Bank FlexPerks® Gold American Express® card
Base
Travel
Dine
Gas
Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines
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
Wells Fargo Visa Signature Card (First 6 Months)
Base
Gas
Grocery
Other
Earning rate: 5X gas, grocery, drugstore for 6 months
U.S. Bank FlexPerks® Business Edge 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).
Barclaycard CashForward
Base
1.5X
(1.5%)
Earning rate: 1.5% everywhere
Bank of America Travel Rewards
Base
1.5X
(1.5%)
Earning rate: 1.5X everywhere
BOA Business Advantage Travel Rewards World Mastercard
Base
1.5X
(1.5%)
Travel
Earning rate: 3X for travel booked through BOA's travel center
FNBO TraveElite Credit Card
Base
1.5X
(1.5%)
Travel
Earning rate: ⚬ 3X Travel ⚬ 1.5X everywhere else
Bank of America Premium Rewards
Base
1.5X
(1.5%)
Travel
Dine
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Discover it Miles - Double Miles your first year
Base
1.5%
Earning rate: 1.5 miles per dollar for all spend.
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.
Discover it Business - Double cash back your first year
Base
1.5%
Earning rate: 1.5% cash back for all spend.
American Express Cash Magnet™ Card
Base
1.5%
Earning rate: 1.5% everywhere
Capital One® Spark® Cash Select for Business
Base
1.5%
Earning rate: 1.5% everywhere
Marriott Bonvoy™ American Express® Card
Base
Brand
Earning rate: 6X Starwood and Marriott Properties ⚬ 2X everywhere else
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 everywhere else
Marriott Bonvoy Premier Plus Business
Base
Gas
Phone
Biz
Brand
Earning rate: 6X Marriott/SPG ⚬ 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, SPG & 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 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
JetBlue Card
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
Asiana Airlines Visa Business Card
Base
Brand
Earning rate: 2X Asiana
Asiana Airlines Visa Signature
Base
Gas
Grocery
Brand
Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.
Avianca Vida Visa Card
Base
Brand
Earning rate: 2X Avianca
Avianca Vuela Visa Card
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America
AAdvantage Aviator Red World Elite MasterCard
Base
Brand
Earning rate: ⚬ 2X AA ⚬ 1X everywhere else
AAdvantage® AviatorTM Silver World Elite MasterCard®
Base
Travel
Brand
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
Virgin Atlantic White Card
Base
Brand
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
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 Business Card
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
BOA Alaska Airlines Visa Signature
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
Blue Delta SkyMiles® Credit Card from American Express
Base
Dine
Brand
Earning rate: 2X US restaurants ⚬ 2X Delta ⚬ 1X everywhere else
TD Aeroplan™ Visa® Credit Card
Base
Brand
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
Virgin America Premium Visa Signature
Base
Brand
Earning rate: 3X Virgin America ⚬ 1X elsewhere
Korean Air SKYPASS Visa issued by US Bank
Base
Brand
Earning rate: 2X Korean Air
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
Citi AAdvantage Platinum Select World Elite Mastercard
Base
Dine
Gas
Brand
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
Chase United Explorer Card
Base
Travel
Dine
Brand
Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays
Chase United MileagePlus® Explorer Business
Base
Dine
Gas
Office
Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United.
Korean Air SKYPASS Select Visa issued by US Bank
Base
Travel
Brand
Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels
Korean Air SKYPASS Business Visa issued by US Bank
Base
Travel
Gas
Brand
Earning rate: 2X miles on Korean Air, Gas Stations, Hotels
American Airlines AAdvanage MileUp Card
Base
Grocery
Brand
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
Delta Reserve for Business Credit Card
Base
Brand
Earning rate: 2X Delta
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)
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 everywhere else ⚬ Terms & Limitations Apply.
Hilton Honors American Express Ascend Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X everywhere else
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 everywhere else
CNB Crystal Visa Infinite Credit Card
Base
Travel
Dine
Gas
Grocery
Earning rate: ⚬ 3X gas, grocery, airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else
Chase British Airways Visa Signature® Card
Base
Brand
Earning rate: ⚬ 3X British Airways. Iberia, and Open Skies purchases ⚬ 1X elsewhere
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
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
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%
Frontier Airlines World MasterCard®
Base
Dine
Brand
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
BBVA Compass Select
Base
Other
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
BBVA Compass NBA American Express Card
Base
Gas
Grocery
Brand
Other
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
TD First Class Visa Signature® Card
Base
Travel
Dine
Earning rate: 3X travel & dining
Barclays Arrival™ World MasterCard®
Base
Travel
Dine
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
U.S. Bank Cash+
Base
Travel
Dine
Gas
Grocery
Shop
Phone
Other
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 ⚬ Car Rentals ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores
Capital One® SavorOne℠ Cash Rewards Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% on dining ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else
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)
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
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 & furnings (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
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.
Discover it® for Students
Base
1%
Grocery
5%
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2019 Q1 = Grocery Stores.
Discover it®
Base
1%
Grocery
5%
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2019 Q1 = Grocery Stores.
Citi Dividend Platinum Select
Base
1%
Gas
5%
Other
5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. 2019 Q1 = Gas Stations & Home Depot
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
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
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
Uber Visa Card
Base
1%
Travel
3%
Dine
4%
Shop
2%
Earning rate: ⚬ 4% eateries ⚬ 3% travel ⚬ 2% online purchases (including online purchases made with third party payment methods like PayPal, Venmo, Apple Pay, Android Pay, and Samsung Pay) ⚬ 1% everywhere else
Blue Cash Preferred® Card from American Express
Base
1%
Gas
3%
Grocery
6%
Shop
3%
Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 3% cash back US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply. See Rates & Fees
TD Cash Visa Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% dining ⚬ 2% grocery stores
AARP Credit Card from Chase
Base
1%
Dine
3%
Gas
3%
Earning rate: 3% restaurants and gas stations.
Major League Baseball®
BankAmericard Cash Rewards™ MasterCard® credit card
Base
1%
Grocery
2%
Shop
2%
Earning rate: 2% at grocery stores and wholesale clubs; and 3% on gas up to the first $2,500 in combined purchases each quarter
Ducks Unlimited Visa from First Bankcard
Base
1%
Gas
5%
Other
5%
Earning rate: 5% back at gas stations & sporting goods stores
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. See Rates & Fees
“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. See Rates & Fees
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% on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back at US restaurants, US gas stations, and on US wireless telephone services
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. See Rates & Fees
Bank of America Business Advantage Cash Rewards Mastercard
Base
1%
Dine
2%
Gas
3%
Office
3%
Earning rate: 3% gas and office supply stores (up to $250K spend each calendar year); 2% restaurants
Disney Visa Card
Base
1%
Earning rate:
Capital One® Savor® Cash Rewards Credit Card
Base
1%
Dine
4%
Grocery
2%
Other
4%
Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 1% everywhere else
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
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
Chase Marriott Bonvoy Premier
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Marriott.
Citi® Expedia+ Credit Card
Base
Brand
Earning rate: 3X Expedia purchases
Citi® Expedia®+ Voyager Card
Base
Brand
Earning rate: 4X 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
LATAM Visa Signature issued by US Bank
Base
Brand
Earning rate: 2X on spending with LAN & TAM
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 Traveler 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: ⚬ 10X IHG ⚬ 2X gas, grocery, and restaurants.
BOA Platinum Business Visa
Base
0%
Earning rate:

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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Sam
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Sam

@Greg- Once you spend $50k on Amex blue business, does it make sense to use the Capitol Spark card for rest of everywhere spend? What would you do?

CaveDweller
Guest
CaveDweller

Good Post once again .I’ll be getting the Capital One Venture card in March (ur link) if they will have me . I need a card for hotels in EZE which I’ll be there 12+ nites ..
THANKS

CHEERS

Mike H
Guest
Mike H

The Altitude frustrates me. I’m a heavy mobile pay user. Closed my Radisson personal 4 months before this card opened and they wouldn’t qualify me. I’m not in a US Bank state, would have to open a USB personal card for a period of time just to qualify for this. Any other known workarounds?

Benjamin
Guest
Benjamin

Great post! Question about these cards: which of these best performing everyday-purchase-cards offers free foreign transactions? As someone who spends most of the year overseas, I often default to my CSR card, which has a pretty terrible base rate of 1 point per $1. What would you recommend to someone outside the US for everyday use? (I’m not in one of the countries that offers the Curve Card you wrote about recently, otherwise I’d probably pair that with AmEx Blue Business or Everyday preferred).

Freqflyer
Guest
Freqflyer

Great article. I would also not minimize the value of insurance, ability to return items and extended warranty. Depending on what you are buying these items could far exceed the value of miles that you receive.

WR2
Guest
WR2

The best card to use for non-bonused spending is the one you are working on the MSR for a signup bonus 😉

Debit
Guest
Debit

You are doing it wrong. You ignore the fees and the category limits.

You should calculate the cashback taking this two into account. Similar to the difference between the apy and interest rate on mortgage.

Your db is great but I can’t compare apples to apples just based on one #.

CaveDweller
Guest
CaveDweller

Debit
They as in All here do a very good job as for 2.5* travelers (me) or the 5* travelers which is common here ..This is the Best Blog I hope others Up their Game . Lots of space on the Internet for others . I always apply for a CC on the site that tells me the Right one for Me..
Have a Nice (Fr) Day
CHEERs

SounderTID
Guest
SounderTID

Why give American Express and Chase points a 30% bonus for flexibility and not give the same bonus for cash back?

Cash can take advantage of sales and special offers with even more flexibility than either American Express or Chase points.

US dollars are the most flexible point program, haha.

Joe
Guest
Joe

FM,
If I want the Ink cash and the Amex Business Everyday, which should I get first in terms of 5/24? Or it doesn’t matter since biz cards don’t show up on the credit report? Thanks!!