Using a credit card to pay your fixed monthly expenses is both convenient and smart to maximize your rewards. For this particular post, we will recommend the best credit cards for EVERYDAY Purchases to get the most bang for your buck. Again, there are cards that earn higher rate for specific categories. We want to show you the best credit card for everyday purchases that earns at a high rate on all purchases.
Let us know if we are missing any cards in the comments section. Keep in mind that you can earn at a higher rate by employing some basic manufactured spending strategies such as purchasing prepaid Visa, MasterCard or AmEx gift cards through cash back portal or special promotions.
|Credit Card||% Rewards for All Purchases||Requirement||Annual Fee||Review|
|Capital One® Spark® Cash for Business||2% Cash Back + $500 bonus||Business credit card||$0 first year, $59 thereafter||Review|
|Marukai Premium JCB Card||3% Cash Back on Over $3,000 Spent Yearly||Only available in CA, NV, OR, WA, HI||$0 first year, $15 thereafter||Review|
|Alliant Cashback Visa® Signature Credit Card||3% Cash Back for First Year, then 2.5% Thereafter||Available nationwide, but you must join Alliant Credit Union||$0 first year, $59 thereafter||Review|
|Discover it® Miles Card||3% Cash Back for First Year||Available nationwide||$0||Review|
|USAA Limitless™ Cashback Rewards Visa® Signature||2.5% Cash Back on Every Purchase||Must be a USAA member (Active or retired personnel of U.S. military)||$0||Review|
|Fidelity Rewards Visa Signature Card||2% Cash Back + $100 Bonus||Must open a Fidelity Cash Management Account to redeem cash back||$0||Review|
|Citi® Double Cash Card||2% Cash Back||The 2% includes 1% on purchases and 1% after payments||$0||Review|
|Schwab Investor Card®|
from American Express
|Unlimited 1.5% Cash Back||Only available to clients who maintain an eligible Schwab account||$0||Review
|Chase Freedom Unlimited Card||Unlimited 1.5% Cash Back||None||$0||Review
|Santander Ultimate Cash Back Credit Card||Unlimited 1.5% Cash Back||None||$0||Review