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Best everyday credit cards of 2020

The right card will pay you back handsomely on your day-to-day purchases.

Updated . What changed?

Fact checked

Our pick for everyday cash back: Citi® Double Cash Card

Citi® Double Cash Card logo

Up to 2%

Cash back

  • An excellent choice for cash back and balance transfers
  • Market-leading 2% back (1% after buying, 1% after paying)
  • No annual fee
Apply now
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.

When comparing the best everyday credit cards we looked at several features, including eligible reward categories, points or cash back earned per dollar spent, earnings flexibility, annual fees, welcome bonus value, introductory APRs and other reward perks. The cards that stood out in one or several of these categories were chosen for our top picks.

The best everyday credit cards of 2020

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.

Citi® Double Cash Card

Citi® Double Cash Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
This is an excellent card to use for all of your day-to-day purchases. If you pay your balance in full every month, the Citi® Double Cash Card is the top no-annual-fee cashback product on the market.
  • Rewards: 1% cash back on all purchases and another 1% as you pay for them. If you consistently pay your balance in full, the Citi® Double Cash Card offers solid cash back.
  • Intro APR: 0% on balance transfers for 18 months following your account opening, and 13.99% to 23.99% variable after that.
    Citi offers a balance transfer intro APR from time to time, and an excellent one at that. This intro APR is one of the best you'll find.
  • Annual fee: None.
Annual Fee $0
Purchase APR 13.99% to 23.99% variable
Balance transfer APR 0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 6%
Cash back
$250
Welcome offer
If groceries are your biggest bill, the Blue Cash Preferred® Card from American Express is a strong choice. Its grocery rewards are the best on the market, and you'll earn accelerated cash back on purchases made at US gas stations.
  • Rewards: Up to 6% cash back. Earn 6% cash back at US supermarkets. For this rewards rate, there's a $6,000-per-calendar-year spending cap. After you reach it, you'll earn 1% cash back in this category. Earn 6% on select US streaming services. Earn 3% on transit purchases. Earn 3% cash back at US gas stations and 1% cash back on other purchases.
  • Welcome offer: $250 back after you spend $1,000 in purchases within the first 3 months of card membership. If you qualify, you'll receive this welcome offer in the form of statement credit.
  • Intro APR: 0% intro APR on purchases for 12 months after account opening, then 13.99% to 23.99% variable. This is a decent intro APR, though several other cards offer intro purchase APRs of 15 or more months.
Annual Fee $95
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $250 after spending $1,000 in the first 3 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases

PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5x
Points
$100
Welcome offer
Among general-rewards cards, the PenFed Platinum Rewards Visa Signature® Card offers the highest rewards rate on gas when you buy at the pump.
  • Rewards: Up to 5x points. Earn 5x points when you buy gas at the pump. Earn 3x points on groceries and 1x points on all other purchases.
  • Signup bonus: $100 statement credit. To earn this bonus, spend $1,500 on purchases in the first 90 days of card membership.
  • Promotional APR: 0% on balance transfers for 12 months following your account opening. After the promotional period is up, your APR will revert to to 17.99% variable.
  • Annual fee: None.
Annual Fee $0
Purchase APR 13.49% to 17.99% variable
Balance transfer APR 0% intro for the first 12 months (then 17.99% variable)
Welcome offer $100 after spending $1,500 in the first 90 days
Rewards 5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases

American Express® Gold Card

American Express® Gold Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (680-850)
Read review
Rates & fees

680
Min. credit score
$250
Annual fee
Up to 4x
Points
35,000
Points welcome offer
With 4x points on dining that can give you an 8% reward rate after point transfers, the American Express® Gold Card is a powerhouse choice if you're a foodie. You'll also earn the same rewards rate at US supermarkets on up to $25,000 per year in spending, then 1x points.
  • Rewards. 4x Membership Rewards points on dining. 4x points at US supermarkets on up to $25,000 in spending per calendar year, then 1x points. 3x points on eligible flights and 1x points on other eligible purchases.
  • Credits. Earn up to $120 in dining credits per calendar year. Receive up to $100 per calendar year in credits on one qualifying airline.
  • Welcome offer. Earn 35,000 Membership Rewards points after you make $4,000 in purchases with your card within the first 3 months of opening your card.
Annual Fee $250
Purchase APR See Rates & Fees
Balance transfer APR See Rates & Fees
Welcome offer 35,000 points after spending $4,000 in the first 3 months
Rewards 3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
2x
Miles
50,000
Miles welcome offer
The Capital One® Venture® Rewards Credit Card offers a strong and consistent rewards rate on all purchases.
  • Rewards: 2x miles on every purchase. This strong base rate rewards you on all purchases.
  • Signup bonus: 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months of card membership. This is an excellent signup bonus, worth $750 in travel statement credit.
  • Annual fee: Waived for your first card year, then $95.
    The annual fee is waived for your first card year, but costs $95 after that.
  • Global Entry/TSA PreCheck credit. Every four years, you're eligible for a statement credit for your Global Entry or TSA PreCheck application fee.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 17.24%, 21.99% or 24.49% variable
Balance transfer APR 17.24%, 21.99% or 24.49% variable
Welcome offer 50,000 bonus miles after spending $3,000 in the first 3 months
Rewards 2x miles on all purchases

Discover it® Secured

Discover it® Secured logo
Credit recommended (300-669)
Read review
300
Min. credit score
$0
Annual fee
Up to 2%
Cash back
Other
Welcome offer
The Discover it® Secured is one of the rare secured cards that offers rewards on purchases. If you need to rebuild your credit, this card can help you earn rewards on everyday purchases at the same time.
  • Earn 2% cash back at gas stations and restaurants on the first $1,000 in combined purchases each quarter. Earn 1% back after that and on everything else.
  • Discover will match the cash back you earn at the end of your first year.
  • Discover may upgrade your card to an unsecured card after eight months of responsible card usage.
  • Global Entry/TSA PreCheck credit. Every four years, you're eligible for a statement credit for your Global Entry or TSA PreCheck application fee.
Annual Fee $0
Purchase APR 22.99% variable
Balance transfer APR 10.99% intro for the first 6 months (then 22.99% variable)
Welcome offer Discover will match cash back earned at the end of your first card year
Rewards 2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

How to choose the best everyday credit card

It can be difficult to choose the right credit card for everyday use as there are so many options. Here are a couple of factors to consider when making your choice:

  • What does your monthly spending look like?
    Each rewards cards 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 offers accelerated rewards for where you spend the most. Without changing your spending, you can get paid back daily in the form of cash back, points or miles.
  • Do you want to pay no annual fee?
    Many everyday cards have $0 or low annual fees, but lack spectacular features. Your main consideration with these products will be the rewards rates. Premium cards are loaded with great benefits, but they come with steep annual fees — often $450 or more.
  • How big of a signup bonus do you want?
    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. Cards with higher annual fees tend to have more impressive bonuses.
  • Do you want an intro APR?
    An intro APR can help you save on interest. But many of the top rewards cards don’t have promotional interest rates.

Alternatives to everyday credit cards

Everyday credit cards tend to be great picks for day-to-day purchases such as groceries, gas and the odd purchase here and there. But they’re not always the best if your spending is concentrated in other areas. Here are a few alternatives:

  • Premium travel credit cards. While these cards may have a higher annual fee, they can be worth it for the frequent traveler who will enjoy top-notch travel rewards. If that’s you, you might like cards such as the Chase Sapphire Reserve®
  • Dining credit cards. The American Express® Gold Card is a dining credit card that happens to give great rewards at US supermarkets as well. For more dining options, consider the Capital One® Savor® Cash Rewards Credit Card, Wells Fargo Propel American Express® Card and Citi Prestige® Credit Card.
  • Airline and hotel credit cards. If you’re a loyal customer with a certain airline or hotel chain, check if it has a cobranded card. You can earn accelerated rewards with your card, plus get access to special perks you might find nowhere else.

Compare everyday credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
0% intro for the first 12 months (then 12.9% to 22.9% variable)
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
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Bottom line

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.

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