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.
 The Chase Freedom FlexSM offers a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
 The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. You're able to earn: • 2 Miles per dollar on every purchase, every day. • 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $120 application fee credit for Global Entry or TSA Pre✔®. |
 The Capital One VentureOne Rewards Card offers 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies. You'll earn: • 1.25 Miles per dollar on every purchase, every day. • 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms apply. |
 The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%. You'll earn • 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. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
| Credit Card | % Rewards for All Purchases | Requirement | Annual Fee | 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 |
| HSBC Cash Rewards Mastercard | 2% cashback for 6 months, then 1.5% after that period | None | $0 | Review |
| Capital Quicksilver | Unlimited 1.5% Cash Back | On any purchases | $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 |
| Schwab Investor Card® from American Express | Unlimited 1.5% Cash Back | Only available to clients who maintain an eligible Schwab account | $0 | Review |
| Chase United TravelBank Card | Unlimited 1.5% Cash Back | None | $0 | Review |
