There are several rewards credit cards that are better for specific bonus categories. Many offer more thank double points on things you tend to spend in more such as: travel, dining, supermarkets, gas stations, and more. However, what if the spending doesn’t go into a bonus category? Things that wouldn’t fall under one are boutique clothing stores, doctors, tax payments, the car mechanic, etc.
Check out our list of the best credit card bonuses here.
Read below for more information on what the best credit card is for daily purchases.
Best Credit Cards for Everyday Spending
There are plenty of great rewards cards to maximize your daily purchases. The cards that made the cut are ahead of the game with great non-bonus returns. Here’s a quick comparison of the best credit cards for daily spending:
| Credit Card | Everyday Spend Rate | Welcome Bonus | Annual Fee |
| Chase Freedom Unlimited | 1.5% | $200 | $0 |
| The Blue Business Plus Credit Card from American Express | 1x – 2x points | None | $0 |
| Capital One Venture Rewards Credit Card | 2x miles | 50,000 miles ($700 value) |
$95, $0 1st year |
| Citi Double Cash Card | 2% | None | $0 |
Closer Look at Each Card
Here’s an even closer look at what each card has to offer below:
You’ll earn a flat rate of 1.5% cash back towards all purchases (except Lyft rides). Additionally, you can pair this with the Chase Sapphire Reserve, Chase Sapphire Preferred, or Ink Business Preferred Credit Card to turn cash back into points.
 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, then a variable APR. 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 |
This is a robust, low-cost card that earns double American Express Membership Rewards points towards all purchases up to $50,000 annually, then 1x points. The value of each membership rewards point is $0.02, which means this card has an unmatched 4% return towards everyday spending.
 With the Blue Business® Plus Credit Card from American Express: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
This card gives you an easy flat-rate of double miles on all transactions. You’ll be able to redeem your Capital One miles at a fixed rate of $0.01 each as travel statement credits. Or, you can get around $0.014 per mile if you transfer your rewards towards a partner airline. This will definitely increase your everyday spend return from 2% to 2.8%.
 The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 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 simple bare bones Citi Double Cash Card offers a total of 2% cash back. 1% when you purchase, and 1% when you pay on all purchases. If you have a card in the Citi ThankYou Rewards Family, you’ll be able to convert your “double cash” into ThankYou Points. The value of each ThankYou point is $0.017 so your return on everyday spending receives a boost form 2% to 3.4%.
Additional Guides
Here are some extra guides to help you find the best credit card suited for your needs.
- Best Airline Credit Cards for Travel Benefits and Rewards.
- Hotel Credit Cards for Travel Benefits + Rewards.
- Travel Credit Cards: Rewards and Benefits.
- Best Travel Rewards Credit Cards for Family Vacations.
- Credit Cards with No Foreign Transaction Fees.
- Best Rewards Credit Cards: Cash, Points, Miles, & Benefits
- Cash Back Credit Cards: Welcome Bonuses, Rewards
- Best Dining Credit Cards: Restaurant Points, Rewards & Cash Back
- Grocery Credit Cards: Co-Branded, Cashback & Rewards
- Best Small Business Credit Cards: Points, Miles & Rewards
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Conclusion
Overall, there are many different categories that you can be spending in. Signing up for a card that matches your spending habits will definitely maximize your points or miles to their fullest potential. Additionally, when you sign up for these cards, most of them offer a pretty good welcome bonus as well.
