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5+ Best everyday credit cards of 2022

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

The best credit cards for everyday purchases have the highest earning rate on the most useful categories of everyday purchases for your needs, such as groceries or gas. 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 categories were chosen for our top picks.

Chase Freedom Flex℠

Finder rating 4.7 / 5 ★★★★★

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on Creditcards.com's secure site
Terms apply, see rates & fees
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The Chase Freedom Flex is an excellent card to maximize cashback rewards on a variety of categories and one of the top performers period in the cashback rewards card space. You can earn accelerated cash back at grocery stores, travel, Lyft rides, dining and more. Plus, cardholders can transfer rewards earned into the Chase Ultimate Rewards program, potentially increasing the value of their rewards. The Chase Freedom Unlimited is also a good choice if you prefer a flat-rate rewards structure.

Chase Sapphire Preferred® Card

Finder rating 4.6 / 5 ★★★★★

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on Bankrate's secure site
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The Chase Sapphire Preferred® Card was once strictly a travel card, but recent changes to the card over the pandemic have shifted this card toward everyday purchases. Not only can it earn big on travel booked through Chase, but cardholders can also earn rewards on dining, takeout, delivery, streaming services and eligible online grocery purchase. Best of all, this card is an excellent entry into the Chase Ultimate Rewards program and can improve your reward redemption value by 25% when redeemed on the Chase travel portal.

Capital One Venture Rewards Credit Card

Finder rating 4.4 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Venture Rewards Credit Card offers a strong and consistent rewards rate on all purchases and is a solid travel rewards credit card, especially if you want a simple card. Especially notable is the card's welcome offer, which is quite generous for the card's price.

PenFed Platinum Rewards Visa Signature® Card

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on Pentagon Federal Credit Union's secure site
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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. In fact, this card beats out several other big-name cards for gas rewards, including the Costco Anywhere Visa and Sam's Club Mastercard. The only catch is you'll need to sign up for Pen Fed membership to apply for the card.

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

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If groceries are your biggest bill, the Blue Cash Preferred® Card from American Express has been one of the best picks you can make for several years running. Its grocery rewards are the best on the market, and you'll also earn accelerated cash back on purchases made at U.S. supermarkets on up gas stations. The card also comes with an introductory APR on purchases and balance transfers, which can save plenty on interest when used wisely.

American Express® Gold Card

Finder rating 4.6 / 5 ★★★★★

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Terms apply, see rates & fees
With 4x points on dining, the American Express® Gold Card is a powerhouse choice if you're a foodie. You'll also earn the same rewards rate at U.S. supermarkets on up to $25,000 per year in spending, then 1x points. Another highlight: you can transfer your points to your Amex Membership Rewards account to potentially further increase the value of your points.

Citi Premier® Card

Finder rating 4.3 / 5 ★★★★★

The Citi Premier® Card is an excellent travel credit card with accelerated rewards on purchases made at restaurants, gas stations and supermarkets. Redeem points for a variety of rewards, including travel purchases, cash, gift cards or use them at Amazon.com.

Discover it® Secured

Finder rating 4.4 / 5 ★★★★★

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 do that while also earning rewards on everyday purchases at the same time.

Methodology

When assessing our best list, we primarily looked at two card features: earning rates and bonus categories. Those with the largest earning rates or most useful bonus categories were considered for our list, though we also looked at other factors, like more niche bonus categories, introductory APRs, travel perks and more. Those that performed the best in a given category were highlighted for our list.

How do I choose the best everyday spending 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 card offers a different rewards structure and spending categories. Take stock of how you spend and find a card that best rewards you 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. You’ll also want to check the card details to see what qualifying purchases are included in each category.
  • 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 offer can help you save on interest. But many of the top rewards cards don’t have promotional interest rates.
  • Review a card’s loyalty program. Many credit card issuers have their own loyalty programs that can further boost a card’s reward potential. They may offer card members additional value through point transfers, additional reward opportunities or point bonuses when booking travel. If you prefer a particular issuer, it can pay to stick to one or two loyalty programs.

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 U.S. supermarkets as well. For more dining options, consider the Capital One Savor Cash Rewards Credit Card or Wells Fargo Propel American Express® 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 on standard cards, like lounge access or the ability to transfer points to travel partners.

Compare everyday credit cards

Explore your options by rewards, purchase APR or annual fee. Select Apply now to start your application for a particular credit card.

1 - 3 of 20
Name Product Filter values Rewards Purchase APR Annual fee
My GM Rewards Card™
My GM Rewards Card™
7x total points with GM, 4x points on purchases everywhere else*
0% intro for the first 12 months (then 17.24% to 27.24% variable)
$0
Get 15,000 bonus points after you spend $1,000 in your first 3 months*.
Capital One VentureOne Rewards Credit Card
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
0% intro for the first 15 months (then 17.99% - 27.99% variable)
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Instacart Mastercard®
Instacart Mastercard®
5% cash back on Instacart, 5% on travel through the Chase Travel Center, 2% on dining, gas, and select streaming services and 1% on all other purchases
17.24% to 25.99% variable
$0
Not just for Instacart, this card also offers competitive cash back in everyday categories like dining and gas.
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Compare up to 4 providers

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.

Frequently asked questions

Should I get a flat-rate-rewards card or a tiered-rewards card?
This depends on your spending. If you spend relatively evenly throughout many categories, a flat-rate-rewards card might be a good choice. If your spending is concentrated in a few categories, you might earn great rewards from a tiered-rewards card. Consider the annual fee you’ll pay and see how it’ll affect your rewards.

Should I get a cashback card or a card that offers points or miles?
If you want simpler rewards, lean toward a cashback card. Typically, your redemption options are statement credit or a deposit to your bank account.

Travel cards tend to be more complicated, but they can offer more valuable and versatile rewards. Redemption options often include hotel stays, flights, statement credit, cash back, gift cards and merchandise.

What credit score do I need to get an everyday credit card?
If you want a card with rewards, you’ll typically need a good to excellent score to qualify.

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