The right card will pay you back handsomely on your day-to-day purchases.
An everyday credit card rewards you for purchases you make regularly like on gas and groceries. But your savings will differ depending on your card’s annual fee, reward rate and your spending habits.
Our pick for an everyday credit card
Blue Cash Preferred® Card from American Express
Compare everyday credit cards
The best everyday credit cards of 2019
The best card for you depends on your budget and spending habits. Determine where you spend the most to help you decide which is best for you.
When comparing the best everyday credit cards we looked at several features, including eligible reward categories, points or cashback earned per dollar spent, earnings flexibility, annual fees, welcome bonus value, introductory APRs and other reward perks that a consumer looking for an everyday credit card would weigh when making their selection. The cards with exemplary performance in one or several of these categories were chosen for our top picks.
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Best for flat-rate cash back: Citi® Double Cash Card
Citi® Double Cash CardRead more
Best for groceries: Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American ExpressRead more
Best for gas: PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® CardRead more
Best for dining: Uber Visa Card
Uber Visa CardRead more
Best for flat-rate travel rewards: Venture® from Capital One®
Venture® from Capital One®Read more
How to compare everyday credit cards
- Think about your spending.
The beauty of rewards cards is each one offers a different rewards structure. One card might offer elevated rewards for your favorite categories, while another might not fit your spending at all. Take stock of how you spend and find a card that rewards you for your budget. Without changing your spending, you can get paid back daily in the form of cash back, points or miles.
- Annual fee.
This is a great starting point to compare cards. Most cards come with either no annual fee or an ongoing annual fee of around $95. Premium cards typically go for $450 a year. Decide if an annual fee will be worth using the card.
- Signup bonus.
A signup bonus can give you a quick burst of rewards and cover your card’s annual fee several times over. Consider whether you can meet the spending requirement before the signup-bonus window closes.
- Intro APR.
An intro APR can be useful if you want to make a big purchase now and pay it off over time without accruing interest. Make a plan to pay off your purchases before it expires. With rewards cards, it’s wise to pay off your balance in full each month. That’s because interest might offset the value of your rewards.
An effective everyday credit card is one that rewards you for your day-to-day spending. Consider your budget and find a product that offers elevated rewards for your top categories.
If you’re not sure an everyday credit card is right for you, consider other rewards products.