It’s amazing the amount of my spending that occurs in non-bonus, otherwise known as everyday spending, categories. This spending includes merchants like Amazon, Walmart, and Target where you otherwise generally do not earn bonus points. The good news is that these best credit cards for everyday spending will help you to earn points in these otherwise low bonus-point earning categories.
All four of the major banks that play in the travel credit cards game offer one of the best credit cards for every spending. Three of the four banks offer business credit cards to help you earn points on your everyday business spending. With that said, let’s jump into this list to see which cards will help you to maximize your earnings.
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Best Credit Cards For Everyday Spending
Capital One Venture X Card
- Earning Structure: 2x Capital One miles
- Annual Fee: $395
- Details: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Capital One Venture
- Earning Structure: 2x Capital One miles
- Annual Fee: $95
- Details: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Citi Double Cash Card
- Earning Structure: 2x ThankYou points (must also hold Citi Premier Card or Citi Prestige Card to convert cashback earned into ThankYou points)
- Annual Fee: $0
- Details: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
Chase Freedom Unlimited
- Earning Structure: 3x Chase Ultimate Rewards points (must also hold Chase Sapphire Preferred, Chase Sapphire Reserve or Ink Business Preferred to convert cashback earned into points)
- Annual Fee: $0
- Details: Earn an additional 1.5% cash back on everything you buy, on up to $20,000 spent in the first year.
Amex EveryDay Preferred
- Earning Structure: 1.5x Membership Rewards points
- Annual Fee: $95
- Details: Earn 15,000 Membership Rewards Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership.
Best Business Credit Cards For Everyday Spending
Amex Blue Business Plus
- Earning Structure: 2x Amex Membership Rewards points
- Annual Fee: $0
- Details: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Capital One Spark Miles for Business
- Earning Structure: 2x Spark miles
- Annual Fee: $95
- Details: Earn a 50,000 miles bonus when you spend $4,500 in the first 3 months.
Chase Ink Business Unlimited
- Earning Structure: 1.5x Chase Ultimate Rewards points (must also hold Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred to convert cashback earned into points)
- Annual Fee: $95
- Details: Earn a $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Common Best Credit Cards For Everyday Spending Questions
Is it good to use a credit card for everyday purchases?
You can earn significant rewards without changing your spending habits per this article.
Who has a black card?
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card per this article.
Which Amex card is best for everyday use?
The Blue Cash Everyday Card from American Express per this article.
Which credit card is most powerful?
American Express Centurion Card per this article.
Conclusion on the Best Credit Cards for Everyday Spending
Capital One Venture X Card, Capital One Venture, Citi Double Cash Card, Chase Freedom Unlimited, Amex EveryDay Preferred Credit Card, Amex Blue Business Plus, Capital One Spark Miles for Business, and Chase Ink Business Unlimited are some of the best credit cards for everyday spending.
What are your best credit cards for everyday spending? Please let me know in the comments or by sending me an email on my contact page.
Disclaimer: If you click and sign up for a credit card through certain links on this site or any of my related social media platforms, I may make a commission from that click-through. The editorial content on this page and the user comments are not provided by any of the companies mentioned and have not been reviewed, approved, or otherwise endorsed by any of these entities. The opinions expressed here are mine alone.
