Best everyday credit cards of 2020

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

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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

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Compare everyday credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 12.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Venture® Rewards Credit Card
2x miles on all purchases
17.24%, 22.24% or 24.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
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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
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  • Get this card if: You want flat-rate cash back.

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.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
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  • Get this card if: You spend a lot on groceries.

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.

PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card
  • Get this card if: Gas is a big expense for you.

Among general-rewards cards, the PenFed Platinum Rewards Visa Signature® Card offers the highest rewards rate on gas when you buy at the pump.

American Express® Gold Card

American Express® Gold Card
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  • Get this card if: You’re a foodie who loves to travel.

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.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card
See offer
  • Get this card if: You want flat-rate travel rewards.

The Capital One® Venture® Rewards Credit Card offers a strong and consistent rewards rate on all purchases.

How we selected our top cards

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.

What’s changed in 2020

This year we had heavy competition in the flat-rate travel rewards category. However, this is the last year Capital One® Venture® Rewards Credit Card offers the x miles at hotels.com purchases, which makes it a top pick for 2019.

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.

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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