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Best Credit Cards for Everyday Spending
Why not earn some rewards on the things you buy every day? Use one or more of these credit cards for your daily purchases.
Jae Bratton has been writing about credit cards for NerdWallet since 2022. Her work has been published in The Washington Post, the Los Angeles Times, The Associated Press and the journal Studies in Popular Culture, among other outlets. Before joining NerdWallet, Jae taught English and journalism for 13 years.
Kenley Young directs daily credit cards coverage for NerdWallet. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain.
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Using a credit card to pay for almost everything can help you track spending, build credit and earn rewards — so long as it doesn't tempt you to overspend. That advice is especially relevant when it comes to everyday expenses.
By picking the right credit card, you’ll earn anywhere from 2%-6% back on purchases that you make on a regular basis. What counts as everyday expenses varies across households, but in general, it includes essentials such as food, gas and utilities.
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
Jae Bratton
writer, credit cards
Melissa Lambarena
writer, credit cards
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
Melissa Lambarena
writer, credit cards
Funto Omojola
writer, credit cards
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
Funto Omojola
writer, credit cards
Meghan Coyle
editor, travel rewards
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
Meghan Coyle
editor, travel rewards
Paul Soucy
content director, credit cards and travel rewards
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
Paul Soucy
content director, credit cards and travel rewards
Craig Joseph
writer, travel rewards
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
Craig Joseph
writer, travel rewards
Jae Bratton
writer, credit cards
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
Jae Bratton
writer, credit cards
Melissa Lambarena
writer, credit cards
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
Melissa Lambarena
writer, credit cards
Funto Omojola
writer, credit cards
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
Funto Omojola
writer, credit cards
Meghan Coyle
editor, travel rewards
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
Meghan Coyle
editor, travel rewards
Paul Soucy
content director, credit cards and travel rewards
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
Paul Soucy
content director, credit cards and travel rewards
Craig Joseph
writer, travel rewards
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
Craig Joseph
writer, travel rewards
Jae Bratton
writer, credit cards
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
"The Chase Freedom Unlimited® is my everyday card. I love that it earns 3% on dining and at drugstores and 1.5% on anything outside of the bonus categories. Plus, any rewards I accrue with the card can be transfered to my Chase Sapphire Preferred® Card when I want to book travel with one of Chase's travel partners."
Jae Bratton
writer, credit cards
Melissa Lambarena
writer, credit cards
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
"I mostly use the Capital One Venture X Rewards Credit Card so that I can accumulate miles toward travel. With the travel credit and bonus miles on my anniversary, it practically pays for itself, and I don’t have to worry about how much I’m spending to justify the annual fee. As long as I pay off the balance in full every month to avoid interest charges, this card offers the most value for me. I use the card’s annual travel credit to nudge myself to travel more. I like that I’m free to keep accumulating miles toward travel and can use them whenever I want because they don’t expire, so I’m also not in a rush to burn through them."
Melissa Lambarena
writer, credit cards
Funto Omojola
writer, credit cards
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
"There are times when I don’t have the energy to juggle many cards or keep track of multiple bonus categories. These days, I prefer to keep it simple with one card that I can use whenever I shop. That’s why my go-to card when I'm not traveling is the Wells Fargo Active Cash® Card. It earns an unlimited 2% cash back on all purchases and doesn’t charge an annual fee. It also pairs well with other credit cards for times when I do want to manage multiple cards at once."
Funto Omojola
writer, credit cards
Meghan Coyle
editor, travel rewards
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
"I'll admit that I'm not optimizing for maximum rewards, but I use my Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for most purchases. It has two awesome perks — a $125 American Airlines flight credit if you spend $20,000 on the card each year, and every dollar you spend on it earns 1 Loyalty Point toward elite status. The flight credit offsets the annual fee, and spending that much on the card gets me halfway to AAdvantage Gold elite status. It's a lot to put on one card, but since I fly American a lot, and their miles are impossible to earn with general travel cards, this strategy has proven to be a winner for me."
Meghan Coyle
editor, travel rewards
Paul Soucy
content director, credit cards and travel rewards
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
"Most months, it's a dead heat between the Blue Cash Preferred® Card from American Express, because of its outstanding rewards on groceries and streaming, and the Citi Double Cash® Card, because it pays a high rate on all purchases, which makes it my go-to for any expense that doesn't earn bonus rewards on another card."
Paul Soucy
content director, credit cards and travel rewards
Craig Joseph
writer, travel rewards
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
"My workhorse card for spending outside of bonus categories is the World of Hyatt Credit Card. It allows me to earn valuable Hyatt points, but more importantly gives me two elite nights toward my Hyatt status every time I spend $5,000 on the card. I love Hyatt hotels and usually seek them out when I travel abroad. The benefits I receive with Hyatt status include club access and free breakfast, which adds a degree of luxury and cost savings to most of my trips."
Craig Joseph
writer, travel rewards
Our pick for dining: U.S. Bank Altitude® Go Visa Signature® Card
Annual fee: $0.
Sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Rewards:
4 points per $1 spent on dining, including takeout and delivery.
2 points per $1 spent at grocery stores and grocery delivery, gas stations, EV charging stations and on eligible streaming services(discount stores/supercenters and wholesale clubs excluded, effective Sept. 9, 2024).
1 point per $1 spent on all other eligible purchases.
🤓Nerdy Tip
U.S. Bank points are worth a penny each when redeemed for options like cash back, travel, gift cards or merchandise, although minimum redemption requirements apply. (You need at least 2,500 points for cash back or gift cards; 1,000 points for travel or merchandise.)
Why we like it for dining:
The U.S. Bank Altitude® Go Visa Signature® Card should fit the bill for most diners. First, the 4X points rate on dining is excellent. Other cards that offer 4X points on dining charge an annual fee, but you won't pay anything to hold the U.S. Bank Altitude® Go Visa Signature® Card.
Takeout and delivery qualify as dining with the U.S. Bank Altitude® Go Visa Signature® Card, so this card will turn a profit whether you're at a sit-down restaurant or parked on your couch. And sign that check with confidence: Points earned on dining have no cap and never expire.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Annual fee: $0 intro annual fee for the first year, then $95.
Welcome bonus: You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards:
6% cash back at U.S. supermarkets, on up to $6,000 in spending per year.
6% cash back on select U.S. streaming subscriptions.
3% cash back at U.S. gas stations.
3% cash back on transit.
1% cash back on other purchases.*
Terms apply.
Why we like it for groceries:
The Blue Cash Preferred® Card from American Express is a perennial favorite of households that rack up high grocery bills, and for good reason. The 6% return at U.S. supermarkets is virtually unbeatable and will more than make up for the card's annual fee, which is currently $0 intro annual fee for the first year, then $95. Terms apply. However, American Express does not classify superstores like Target or Walmart, or warehouse clubs like Costco, as supermarkets. If you do most of your grocery shopping at those merchants, you'll find more value in another card like the Target Circle™ Credit Card.
Cash back earned at U.S. supermarkets is capped at $6,000 per year; after that, the rate drops precipitously to 1%. Many families will blow through that $6,000 before the year is up, and earning 1% can be a hard swallow for those who were used to getting 6%. If you hit the $6,000 limit, you could switch to the Blue Cash Everyday® Card from American Express, the little sibling of the Blue Cash Preferred. The Blue Cash Everyday® Card from American Express earns 3% cash back at U.S. supermarkets on up to $6,000 in annual spending, and the annual fee is $0.* (Terms apply.)
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Sign-up bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards:
3% cash back in the category of your choice from a list of six that includes transit.
2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1% cash back on all other purchases.
Why we like it for transit:
Other credit cards offer higher rewards rates for transit, but it's unlikely that their definition of transit is as generous as the one you'll find with the Bank of America® Customized Cash Rewards credit card. Cardholders get 3% cash back in one category out of six. To make the Bank of America® Customized Cash Rewards credit card your go-to card for commuting costs, select the "travel" category to start earning big rewards on parking garages, ferries, taxis, subways, EZPass, tolls and bridge fees, ridesharing services like Uber, and plenty more.
Unlike with some other credit cards, Bank of America® Customized Cash Rewards credit card holders only have to opt in to the 3% category once to activate it.
Our pick for utilities: U.S. Bank Cash+® Visa Signature® Card
Annual fee:$0.
Sign-up bonus: $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
Rewards:
5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories you choose, from a list of 12. (See list below).
2% cash back in one "everyday" category that you choose.
5% cash back on prepaid air, hotel and car reservations booked directly in U.S. Bank's Rewards Center.
1% cash back on all other eligible purchases.
Full list of 5% categories on the U.S. Bank Cash+ Full list of 5% categories on the U.S. Bank Cash+
Fast food.
Home utilities.
TV, internet and streaming.
Department stores.
Cell phone providers.
Electronics stores.
Sporting goods stores.
Movie theaters.
Gyms/fitness centers.
Furniture stores.
Ground transportation.
Select clothing stores.
Why we like it for utilities:
The U.S. Bank Cash+® Visa Signature® Card is one of the few cards on the market that earns rewards on utility bills, and the 5% rate is impressive. To lock in that rate, you'll have to remember to select "utilities" as a bonus category every quarter. Cardholders can choose up to two bonus categories that will earn 5% cash back, but rewards are capped at $2,000 in combined spending across the two bonus categories.
The "utilities" category is fairly broad and includes water, gas and electric companies, but not internet, cable or cell phone providers.
Our pick for big-spending optimizers: U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Annual fee:$0 intro for the first year, then $95.
Sign-up bonus:Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Rewards:
6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, from a list of 24. (See below for full list.)
3% cash back on your first $1,500 in eligible purchases each quarter in your choice of one everyday category.
1.5% cash back on all other eligible purchases.
5.5% cash back on prepaid car and hotel reservations booked directly in the Rewards Center.
Full list of 6% merchants Full list of 6% merchants
Ace Hardware.
Apple.
Amazon.com.
Anthropologie.
Bed, Bath, & Beyond.
Best Buy.
Chewy.com.
Crate & Barrel.
Disney.
Home Depot.
Ikea.
Kohl's.
Lowe's.
Lululemon.
Macy's.
Menards.
Nordstrom.
Pottery Barn.
QVC.
Restoration Hardware.
Target.
Walmart.
Wayfair.com.
Williams Sonoma.
Why we like it for big-spending optimizers:
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card features a lengthy list of merchants where you can earn up to 6% back, and while not all of them will be suitable for everyday expenses (see: Anthropologie, Disney, Lululemon, etc.), some certainly could be. After all, Amazon, Target and Walmart sell practically everything. The catch? Maintenance, and a fee. That 6% rate is capped each quarter, so you'll want to track your spending to know when you're approaching the spend threshold. You also must select your two merchants before the beginning of each quarter. And about that annual fee: After the first year, you'll need to spend at least $1,583.33 at the 6% merchants throughout the year to make up for it.
A number of people prefer the convenience of big-box stores like Walmart and Costco where it's possible to buy many items in one stop. For those who consolidate their everyday shopping into one or two stores, a store card may be the best option.
Costco Anywhere Visa® Card by Citi
Annual fee: $0, but you have to be a Costco member. A baseline Gold Star membership costs $65 per year while the higher-tier Executive membership is $130 per year.
Sign-up bonus: N/A.
Rewards:
5% back on gas at Costco gas stations and 4% back on gas and EV charging at other gas stations, on up to $7,000 in combined spending a year, then 1% back.
3% cash back on restaurants and most travel purchases.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
