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 $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 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.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%
  • $95 annual fee.
  • Terms apply.
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Compare everyday credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
1% cash back when you make purchases and 1% cash back when you pay off your card
15.74% to 25.74% variable
$0
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.

Jump to …

Citi® Double Cash Card

Citi® Double Cash Card

  • Get this card if: You look for 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 for 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: You spend much for gas.

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

Uber Visa Card

  • Get this card if: You spend much in dining.

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.

Venture® from Capital One®

Venture® from Capital One®

  • Get this card if: You look for flat-rate travel rewards:.

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 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 2019

This year we had heavy competition in the flat-rate travel rewards category. However, this is the last year Venture® from Capital One® offers the 10x 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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