Best everyday credit cards of 2019 | finder.com
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Best everyday credit cards of 2019

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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

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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Compare everyday credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.74% to 25.74% variable
0% for the first 18 months (then 15.74% to 25.74% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

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.

Jump to …

Best for flat-rate cash back: Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back when you make purchases
  • Earn additional cash back when you pay off your card
  • Intro APR on balance transfers
  • No annual fee
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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.

Best for groceries: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees
Promoted
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.

Best for gas: PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card

  • 0% APR promo balance transfer rate for 12 months now through March 31, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on prime rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of March 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
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Among general-rewards cards, the PenFed Platinum Rewards Visa Signature® Card offers the highest rewards rate on gas when you buy at the pump.

Best for dining: Uber Visa Card

This is the card for foodies and socialites, offering a market-leading cashback rate on dining. Unlike its main competitor, the Uber Visa Card also doesn’t charge an annual fee.

Best for flat-rate travel rewards: Venture® from Capital One®

Venture® from Capital One®

  • $100 credit toward Global Entry or TSA PreCheck
  • Visa Signature benefits
  • No foreign transaction fees
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The Venture® from Capital One® offers a strong and consistent rewards rate on all purchases. And you’ll get tremendous value from the card when you travel, with 10x miles for eligible stays you book through Hotels.com.

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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