With so many cards offering points, miles, and other perks to choose from, comparing cards can be very difficult. The focus here is on credit cards with rewards that would be best for everyday use. If you could have only one rewards card, these are the cards we think you should choose from. Our picks account for bonuses that you’ll earn with the cards as well as spending rewards.
Let’s take a look at the most popular everyday purchases, and see which credit card can offer you the most valuable rewards.
If you’re commuting every day, you are probably spending a lot on gas. You can mitigate that by using a good gas rewards credit card. The BankAmericard Cash Rewards Credit Card offers 3% cash back on gas and 2% cash back at grocery stores at wholesale clubs ( combined $2,500 in gas, grocery, and wholesale club spending each quarter).
In addition, new cardholders receive $100 cash back after making $500 in purchases within the first 90 days of account opening. There is no annual fee.
For many busy Americans, eating out is a major everyday expense. One of the best credit cards to use for dining is Chase Sapphire Preferred. Earn 2X points on travel and dining at restaurants, plus 1 point per dollar spent on all other purchases worldwide.
These Ultimate Rewards points are worth 1.25 cents each toward travel reservations, and potentially much more when transferred to airline miles or hotel points. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. There is a $95 annual fee for this card that is waived the first year.
The Blue Cash Preferred Card from American Express is the clear standout when it comes to grocery store rewards. It offers mammoth 6% cash back on up to $6,000 spent each year at U.S. supermarkets (1% cash back applies after you meet the $6,000 cap).
And since a typical supermarket offers all sorts of items from flowers and gifts to pharmaceuticals and household supplies, it’s not hard for you to earn 6% cash back on many types of purchases other than food. You can also earn 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.
This card also offers new applicants $150 cash back (as a statement credit) after you spend $1,000 in purchases in your first 3 months. There is a $95 annual fee for this card.
Whether you are visiting an amusement park or a dance club, it’s nice to get rewards for your time out around town. The Citi ThankYou Preferred card from Citi offers 2x points on all dining and entertainment expenses and 1x point for other purchases.
New cardholders can earn 15,000 bonus points after spending $1,000 on purchases in the first 3 months of account opening. Points are worth 1.25 cents each when redeemed for airfare, hotels, cruises and car rentals through Citi’s ThankYou Rewards Travel Center, and points can also be transferred to airline miles. There is no annual fee for this card.
If you’re a frequent traveler, you can easily rack up points for your travel purchases with the Premier Rewards Gold Card from American Express. Earn 3 points per dollar on air travel, 2 points at U.S. gas stations, U.S. grocery stores, and U.S. restaurants, and 1 point for other purchases.
New cardholders get 25,000 points after spending $2,000 in the first 3 months, plus get up to $100 in statement credits each calendar year for travel fees. Terms and limitations apply. There are no foreign transaction fees and the annual fee of $195 is waived the first year.
If you are looking for a card that offers you bonus points at drugstores, the Citi Hilton HHonors Visa Signature Card offers 3x points at drugstores, as well as at supermarkets and gas stations.
In addition, 6x points are earned for hotel stays with Hilton properties, and 2x points for all other purchases. Points can be redeemed for free night stays at Hilton hotels, and there is no annual fee for this card.
Rather than getting a department store credit card with ridiculous APRs and rewards only redeemable at one store, get some cash back for your purchases.
The Blue Cash Preferred Card from American Express gives 3% cash back at select U.S. department stores (as well as 6% cash back at U.S. supermarkets up to $6,000 per year in purchases, 1% after that) and 3% cash back at U.S. gas stations, too.
New cardholders can earn $150 cash back (as a statement credit) after spending $1,000 in purchases in the first 3 months. Terms apply. The annual fee is $95.
For all of your regular purchases that don’t fit precisely into any category, consider the Amex EveryDay Preferred Credit Card from American Express. It offers 3x bonus points at US supermarkets (on up to $6,000 in purchases spent each year), 2x points at US gas stations, and 1x points on other purchases.
You also receive a 50% points bonus during each statement cycle that you make 30 or more transactions, which rewards you for literally using your card every day. So if you qualify for this bonus, you end up with 4.5x at grocery stores, 3x at gas stations, and strong 1.5x points on other purchases.
New cardholders also receive 15,000 bonus points after spending $1,000 on their card within three months of account opening. Points can be redeemed for merchandise, gift cards, or travel reservations, or transferred to airline miles. Terms apply. There is a $95 annual fee for this card.