Best cards for everyday spend

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Best Cards For Everyday Spend

Which are the best cards for everyday spend? Many credit cards are great for spend within certain categories, but not great for spend everywhere else.  For example, the Citi Prestige card offers 5X ThankYou Rewards for airfare, dining, and most travel agencies, and 3X for hotels and cruise lines.  That’s great.  But, I don’t recommend using the card for spend outside of those categories where it only earns 1 point per dollar.  You can do better.

Separately we posted: Best Category Bonuses: Which card to use where?  There, you’ll find the best cards to use for many different types of purchases: grocery, dining, travel, etc.

Here, you’ll find the cards to turn to for spending everyday, everywhere else.

Special Mention: Altitude Reserve

Best Cards For Everyday Spend - US Bank

The US Bank Altitude Reserve card deserves special mention.  This card offers two 3X categories and then offers just 1 point per dollar everywhere else.  Points are worth 1.5 cents each towards travel.  So, as a pure “everywhere else” card, the Altitude Reserve is actually not great at all.  You can do much better than 1.5 cents per dollar value.  The reason I’m highlighting it here though is that one of its 3X categories is “mobile wallet payments” (travel is the other 3X category).  Mobile wallet payments include all payments made with Apple Pay, Google Pay, or Samsung Pay.  That’s an incredibly broad category.

Mobile Wallet payments, such as Apple Pay, are accepted at a huge number of stores around the world.  And, everywhere you use the Altitude Reserve in this way, you get the equivalent of 4.5% back towards travel.  That’s awesome!  Within the US, you can use mobile payments at most big-box stores, most supermarkets, most warehouse stores (such as Costco), and much more.  Those with certain Samsung devices (with MST technology) can even use Samsung Pay at terminals not equipped for mobile payments.  Nick previously wrote about using his Samsung watch in this wayCaution: US Bank has been known to shut down accounts of those who buy large value gift cards (e.g. $500) or large numbers of gift cards via mobile wallet payments with their Altitude Reserve card.

Now, back to the show…

The Best Cards for Everyday Spend

Card Info Name and Earning Rate (no offer)
The Blue Business® Plus Credit Card from American Express
Base
Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)
Discover it Miles (First Year)
Base
3%
Earning rate: 1.5 miles per dollar for all spend. All Miles are doubled at the end of your first card membership year.
Citi Double Cash Card
Base
Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)
Capital One Venture X Rewards Credit Card
Base
Other
Earning rate: 10X on hotels and rental cars booked via Capital One Travel ⚬ 5x on flights booked via Capital One travel. ⚬ 2X everywhere else.
Capital One Venture Rewards Credit Card
Base
Other
Earning rate: 2X everywhere.
Capital One Spark Miles Business Credit Card
Base
Travel
Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car
bookings through Capital One Travel
Bank of America Premium Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
3.5X
(3.5%)
Dine
3.5X
(3.5%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5X travel and dining ⚬ 2.625X everywhere else
Bank of America Travel Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Bank of America Unlimited Cash Rewards (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
Business Advantage Unlimited Cash Rewards credit card (with Platinum Honors Preferred Rewards)
Base
2.625X
(2.63%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status
BOA Business Advantage Travel Rewards World Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
2.625X
(2.63%)
Travel
5.25X
(5.25%)
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 2.625X points for all spend (and 5.25X for travel purchased through BOA's travel center)
Amtrak Guest Rewards World Mastercard
Base
Travel
Brand
Earning rate: ⚬ 3X Amtrak ⚬ 2X qualifying travel ⚬ 1X elsewhere
Amtrak Guest Rewards Platinum Mastercard
Base
Brand
Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere
Alliant Cashback Visa Signature Card
Base
2.5%
Earning rate: Tier One Rewards (which now requires $1,000 in an Alliant high-yield checking account and 2 electronic transactions per month) offers 2.5% cash back everywhere on up to $10K per billing cycle, then unlimited 1.5% cash back beyond $10K in purchases in a billing cycle. (Note that some purchases, like those from GiftCards.com, are not eligible for cash back)
Spirit Airlines World Mastercard®
Base
Earning rate: 2X everywhere
The Amex EveryDay Preferred Card (with 30 purchases per billing cycle)
Base
Gas
Grocery
Earning rate: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. With 30 or more purchases, earn: 4.5x points at US supermarkets on up to $6,000 per year in purchases (then 1.5x) ⚬ 3x points at US gas stations ⚬ 1.5x points on other purchases.
Chase Freedom Unlimited
Base
Travel
Dine
Other
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2022 ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else
Wells Fargo Cash Wise Visa® Card
Base
Earning rate: 1.5% cash back everywhere in the form of Go Far Rewards ⚬ 1.8% back on Google Pay or Apple Pay purchases for the first 12 months
Chase Ink Business Unlimited
Base
Other
Earning rate: 1.5X on all purchases ⚬ 5X Lyft through through March 2022
Hotels.com Rewards Visa Credit Card
Base
0.002X
(2.2%)
Earning rate: Collect 1 $110 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night.
Capital One Spark Miles Select Business Credit Card
Base
Travel
Earning rate: 1.5X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel
Allegiant World Mastercard® Credit Card
Base
Dine
Brand
Earning rate: 3x Allegiant ⚬ 2x dining
Barclays Arrival® Premier World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Barclaycard Arrival Plus® World Elite Mastercard®
Base
Earning rate: 2X Miles on all purchases
Capital One Spark Cash Business Credit Card
Base
2%
Earning rate: 2% everywhere
Fidelity Rewards Visa
Base
2%
Earning rate: 2X everywhere
Capital One Spark Cash Plus Business Charge Card
Base
2%
Earning rate: 2% everywhere
Paypal Cashback Mastercard
Base
2%
Earning rate: 2% cash back everywhere
UBS Cash Rewards Visa Business
Base
2%
Earning rate: Earn 2% cash back on your first $100,000 in eligible purchases each year then 1%
American Express Blue Business Cash™ Card
Base
2%
Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.
Air France KLM World Elite Mastercard
Base
Brand
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else
Virgin Atlantic World Elite Mastercard
Base
Brand
Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else
United Club Business Card
Base
Brand
Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else
The Amex EveryDay Card (with 20 purchases per billing cycle)
Base
Grocery
Earning rate: Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ With 20% more points, earn: 2.4X points at US supermarkets, on up to $6,000 per year in purchases (then 1.2x) ⚬ 1.2X on other purchases
Capital One VentureOne Rewards Credit Card
Base
1.25X
(1.81%)
Other
Earning rate: 1.25X everywhere.
Citizens Bank Cash Back Plus® World Mastercard®
Base
1.8%
Dine
10%
Grocery
10%
Earning rate: 10% back on groceries, restaurants, and takeout on up to $500 in purchases each month until 5/5/21
Bank of America Business Advantage Cash Rewards Mastercard (with Platinum Honors Preferred Rewards for Business)
Base
1.75%
Travel
5.25%
Dine
3.5%
Gas
5.25%
Phone
5.25%
Office
5.25%
Biz
5.25%
Earning rate: With Platinum Honors status with Bank of America's Business Advantage Relationship Rewards program, this card earns: 3.5% on dining plus 5.25% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1.75% thereafter) and 1.75% everywhere else.
Bank of America Customized Cash Rewards (with Platinum Honors Preferred Rewards)
Base
1.75%
Travel
5.25%
Dine
5.25%
Gas
5.25%
Grocery
3.5%
Shop
5.25%
Other
5.25%
Earning rate: With Platinum Honors status with Bank of America's Preferred Rewards program, earn: 3.5% at grocery stores and wholesale clubs and 5.25% on gas up to the first $2,500 in combined purchases each quarter
Radisson Rewards Business Visa Card
Base
Brand
Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.
Radisson Rewards Premier Visa Signature Card
Base
Brand
Earning rate: ⚬ 10X at CC hotels ⚬ 5X elsewhere.
Chase World of Hyatt Business Credit Card
Base
Brand
Earning rate: ⚬ 2X in the top 3 of 8 spending categories each calendar quarter through 12/31/22 and then the top 2 of 8 spending categories in 2023 and beyond. Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ⚬ 4X Hyatt
Chase World of Hyatt Credit Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants / cafes / coffee shops, airlines, local transit, fitness clubs and gym memberships ⚬ 4X Hyatt
Chase Hyatt Visa Signature
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X restaurants, airlines, car rentals ⚬ 3X Hyatt
The Amex EveryDay® Credit Card from American Express
Base
Grocery
Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases
The Business Platinum Card® from American Express
Base
Travel
Other
Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1.5x on construction/hardware stores, electronic goods, and shipping ⚬ 1X elsewhere ⚬ Terms apply.
The Platinum Card® from American Express
Base
Travel
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
American Express® Gold Card
Base
Travel
Dine
Grocery
Earning rate: 3X points for flights booked with airlines or on amextravel.com ⚬ 4x points at US Supermarkets (up to $25K in purchases, then 1x) ⚬ 4x at restaurants worldwide ⚬ 1X points on other purchases. Terms apply. (Rates & Fees)
The Business Gold Rewards Card from American Express
Base
Travel
Gas
Biz
Earning rate: Earn 3X on one of your choice, 2X on rest. [3X choices: ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
The Amex EveryDay® Preferred Credit Card from American Express
Base
Gas
Grocery
Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases.
The Morgan Stanley Credit Card from American Express
Base
Travel
Dine
Shop
Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines
The Platinum Card® from American Express Exclusively for Morgan Stanley
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X prepaid hotels booked with American Express Travel
Business Green Rewards Card from American Express
Base
Travel
Earning rate: ⚬ 2X at AmexTravel.com ⚬ 1X points on other purchases. Terms apply.
The Platinum Card® from American Express for Ameriprise Financial
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked with American Express Travel
The Gold Card from American Express for Ameriprise Financial
Base
Travel
Dine
Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants
American Express® Business Gold Card
Base
Travel
Dine
Gas
Biz
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
American Express® Green Card
Base
Travel
Dine
Earning rate: ⚬ 3X on travel & transit (including flights, hotels, taxis, and rideshares) ⚬ 3X dining ⚬ 1X points on other purchases. Terms apply. See
The Platinum Card® from American Express for Schwab
Base
Travel
Earning rate: ⚬ 5X points for flights booked directly with airlines or with American Express Travel ⚬ 5X points for prepaid hotels booked through American Express Travel
Chase Ink Business Preferred Card
Base
Travel
Phone
Biz
Other
Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) ⚬ 5X Lyft through March 2022
Chase Ink Business Cash Credit Card
Base
Dine
Gas
Phone
Office
Other
Earning rate: 5X office supplies ⚬ 5X cellular/landline/cable (on up to $25,000 in total purchases in 5x categories annually) ⚬ 2X gas and restaurants ⚬ 5X Lyft through March 2022
Chase Ink Plus® Business Credit Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 5X office supplies, 5X cellular/landline/cable ⚬ 2X gas and hotels ⚬ 5X Lyft through March 2022
Chase Sapphire Reserve Card
Base
Travel
Dine
Other
Earning rate: 10X hotels & car rentals booked through Chase ⚬ 10X Chase Dining ⚬ 5X flights booked through Chase ⚬ 3X Travel and Dining ⚬ 10X Lyft (through March 2022)
Wells Fargo Rewards Visa® card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
Wells Fargo Propel American Express® Card
Base
Travel
Dine
Gas
Other
Earning rate: 3X flights, hotels, homestays, car rentals, dining, gas, rideshares, transit, and streaming services
U.S. Bank Altitude Reserve Visa Infinite Card
Base
Travel
Dine
Shop
Other
Earning rate: 5x prepaid hotel & car rental through Altitude Rewards Center ⚬ 3X travel and mobile wallet payments ⚬ 3X dining & food delivery through 6/30/21
UBS Visa Signature
Base
Earning rate:
U.S. Bank FlexPerks® Gold American Express® card
Base
Travel
Dine
Gas
Earning rate: ⚬ 3X restaurants ⚬ 2X gas stations and airlines
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
Base
Travel
Gas
Grocery
Phone
Other
Earning rate: 2X charity and then 2X in one of the following: cell phone providers, gas, grocery, or airline purchases (whichever category you spend most on each month).
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
Base
Travel
Gas
Phone
Office
Other
Earning rate: ⚬ 2X cell phone ⚬ 2X charity ⚬ 2X gas, office supply, or airline purchases (whichever is most each month).
Chase Sapphire Preferred Card
Base
Travel
Dine
Other
Earning rate: 5X Travel booked through Chase (2X all other travel) ⚬ 3X Dining ⚬ 3X Select streaming services ⚬ 3X Online grocery ⚬ 5X Lyft (through March 2022)
UBS Visa Infinite
Base
Travel
Gas
Grocery
Earning rate: 3x for commercial air travel, 2x for gas and groceries, and 1X everywhere else
Wells Fargo Visa Signature Card
Base
Earning rate: 5X gas, grocery, drugstore for 6 months
UBS Visa Infinite Business
Base
Travel
Phone
Office
Biz
Earning rate: 3x for air travel and hotel stays, 2x for eligible business expenses (office supplies, business cable/internet, shipping, business phone and advertising), 1X everywhere else
Chase Freedom Flex
Base
Travel
Dine
Shop
Earning rate: 5x travel booked through Chase ⚬ 5X Lyft through March 2022 ⚬ 3x dining ⚬ 3x drugstores ⚬ 5X in rotating categories on up to $1,500 spend per quarter. Q3 2021: 5X Grocery Stores & Streaming Services
Chase Freedom Visa
Base
Shop
Earning rate: 5X Lyft through March 2022; 5X in rotating categories on up to $1,500 spend per quarter. Q4 2021: 5X Walmart & Paypal
Business Advantage Unlimited Cash Rewards credit card
Base
1.5X
(1.5%)
Earning rate: 1.5% everywhere; Earn up to 2.625% back everywhere with Bank of America Platinum Honors status. Note that you'll need Preferred Rewards on the business side ("Preferred Rewards for Business") to earn a greater return.
Discover it Business - Double cash back your first year
Base
1.5X
(1.5%)
Earning rate: 1.5% cash back for all spend.
FNBO TravElite Credit Card
Base
1.5X
(1.5%)
Travel
Earning rate: ⚬ 3X Travel ⚬ 1.5X everywhere else
BOA Business Advantage Travel Rewards World Mastercard
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Bank of America Travel Rewards
Base
1.5X
(1.5%)
Travel
Earning rate: 1.5X everywhere; 3X for travel booked through BOA's travel center
Capital One Quicksilver
Base
1.5%
Earning rate: 1.5% everywhere
Discover it Miles - Double Miles your first year
Base
1.5%
Earning rate: 1.5 miles per dollar for all spend.
Bank of America Premium Rewards
Base
1.5%
Travel
2%
Dine
2%
Earning rate: ⚬ 2X travel and dining ⚬ 1.5X everywhere else
Barclaycard CashForward
Base
1.5%
Earning rate: 1.5% everywhere
Wells Fargo Business Platinum Visa® card
Base
1.5%
Earning rate: 1.5% cash back everywhere if you choose the cash back program (note that you must opt in to the cash back program at account opening to get the signup bonus and 1.5% everywhere. If you choose points, this card earns 1x everywhere and a bonus 1,000 points in any statement period that you spend $1,000 or more.
Capital One Spark Cash Select Business Credit Card
Base
1.5%
Earning rate: 1.5% everywhere
American Express Cash Magnet® Card
Base
1.5%
Earning rate: 1.5% on all eligible purchases
Schwab Investor Card® from American Express
Base
1.5%
Earning rate: 1.5% on all eligible purchases
Santander® Ultimate
Cash Back® credit card
Base
1.5%
Earning rate: 1.5% everywhere
Citi Rewards+ Student Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Citi ThankYou Prestige Card
Base
Travel
Dine
Earning rate: 5X airfare, dining, and travel agencies ⚬ 3X hotels and cruise line ⚬ 1X everywhere else
Citi Business ThankYou Card
Base
Other
Earning rate: 3X rotating quarterly categories
Citi Custom Cash Card
Base
Travel
Dine
Gas
Grocery
Other
Earning rate: 5x on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1x thereafter. Eligible categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. ⚬ 1x on all other purchases
AT&T Access Card
Base
Travel
Shop
Brand
Earning rate: ⚬ 2 points per $1 on products and services that are purchased directly from AT&T ⚬ 2 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
AT&T Access More Card
Base
Travel
Shop
Brand
Earning rate: ⚬ 3 points per $1 on products and services that are purchased directly from AT&T ⚬ 3 points per $1 on all purchases at online retail and travel sites ⚬ 1 point per $1 on all other purchases
Brex Cash
Base
Travel
Dine
Biz
Other
Earning rate: 8x Rideshare ⚬ 5x Brex Travel ⚬ 4x Restaurants ⚬ 3x on recurring software like Salesforce, Zendesk, Twilio, and more ⚬ 1x everywhere else
Citi Rewards+ Card
Base
Gas
Grocery
Earning rate: 2X at supermarkets and gas stations on up to $6,000 per year ⚬ Round up to nearest 10 TY points on all purchases
Citi ThankYou Preferred Card
Base
Dine
Other
Earning rate: 2X dining and entertainment
Citi Premier Card
Base
Travel
Dine
Gas
Grocery
Earning rate: 3X grocery ⚬ 3X dining ⚬ 3X gas stations ⚬ 3X flights, hotels, travel agencies
Chase Southwest Airlines Rapid Rewards® Premier Business Card
Base
Travel
Brand
Earning rate: 3X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 1X on all other purchases.
Southwest Rapid Rewards Performance Business Credit Card
Base
Travel
Phone
Biz
Brand
Earning rate: 4X Southwest ⚬ 3X Rapid Rewards(R) hotel and car partners ⚬ 2X rideshare ⚬ 2X social media and search engine advertising, internet, cable, and phone services ⚬ 1X on all other purchases.
Chase Southwest Airlines Rapid Rewards Premier Credit Card
Base
Travel
Brand
Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.
Chase Southwest Airlines Rapid Rewards Priority Credit Card
Base
Travel
Phone
Brand
Earning rate: 3X Southwest ⚬ 2X Rapid Rewards(R) hotel and car partners ⚬ 2X local transit and rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 1X on all other purchases.
Chase Southwest Airlines Rapid Rewards® Plus Card
Base
Travel
Phone
Brand
Earning rate: 2X local transit and commuting, including rideshare ⚬ 2X internet, cable, phone services, and select streaming ⚬ 2X Southwest
Choice Privileges® Visa Signature® Card issued by Barclays
Base
Brand
Earning rate: 5X at Choice Hotels and on purchases of Choice Hotels points or gift cards ⚬ 2X everywhere else
Barclays JetBlue Plus Mastercard
Base
Dine
Grocery
Brand
Earning rate: 2X restaurants and grocery ⚬ 6X JetBlue ⚬ 1X everywhere else
JetBlue Business Card
Base
Dine
Office
Brand
Earning rate: ⚬ 2X restaurants and office supply stores ⚬ 6X JetBlue ⚬ 1X everywhere else
JetBlue Card
Base
Dine
Grocery
Brand
Earning rate: ⚬ 2X restaurants and grocery ⚬ 3X JetBlue ⚬ 1X everywhere else⚬
United Club℠ Infinite Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 4X United ⚬ 2X dining & travel
Asiana Airlines Visa Business Card
Base
Brand
Earning rate: 2X Asiana
Chase United Explorer Card
Base
Travel
Dine
Brand
Earning rate: 2X United ⚬ 2X restaurants ⚬ 2X on hotel stays
Asiana Airlines Visa Signature
Base
Gas
Grocery
Brand
Earning rate: ⚬ 2X gas and grocery ⚬ 3X Asiana.
Virgin Atlantic White Card
Base
Brand
Earning rate: ⚬ 3X Virgin Atlantic ⚬ 1X elsewhere
Alaska Airlines Visa Business Card
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
Alaska Airlines Visa Signature
Base
Brand
Earning rate: ⚬ 3X Alaska Airlines ⚬ 1X elsewhere
AAdvantage® AviatorTM Business MasterCard®
Base
Travel
Phone
Office
Earning rate: ⚬ 2X AA, office supply, telecommunications services, and at car rental agencies ⚬ 1X everywhere else
AAdvantage Aviator Red World Elite MasterCard
Base
Brand
Earning rate: ⚬ 2X AA ⚬ 1X everywhere else
AAdvantage® AviatorTM Silver World Elite MasterCard®
Base
Travel
Brand
Earning rate: ⚬ 3X AA ⚬ 2X hotel and car rentals ⚬ 1X everywhere else
United℠ Business Card
Base
Dine
Gas
Office
Other
Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Chase United Quest Card
Base
Travel
Dine
Brand
Other
Earning rate: 3X United ⚬ 2X restaurants ⚬ 2X on all other travel ⚬ 2X select streaming
The Aeroplan® Card
Base
Dine
Grocery
Brand
Earning rate: 3X Air Canada ⚬ 3X grocery stores ⚬ 3X dining ⚬ 500 bonus points with each $2K calendar month spend, up to $6K spend per month
Korean Air SKYPASS Select Visa issued by US Bank
Base
Travel
Brand
Earning rate: 2X miles on Korean Air, Other Airlines, Car Rental, Hotels
Avianca Vuela Visa Card
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Avianca ⚬ 2X gas & grocery ⚬ Free bag for travel between US & South America
United Gateway Card
Base
Gas
Brand
Other
Earning rate: 2X United ⚬ 2X gas stations ⚬ 2X local transit and commuting
TD Aeroplan™ Visa® Credit Card
Base
Brand
Earning rate: 2X Aeroplan miles per dollar spent on Air Canada purchases
CitiBusiness AAdvantage Platinum Select World MasterCard
Base
Travel
Gas
Phone
Brand
Earning rate: ⚬ 2X AA ⚬ 2X certain telecommunications merchants ⚬ 2X car rental merchants ⚬ 2X gas
JAL USA CARD
Base
Earning rate:
Korean Air SKYPASS Business Visa issued by US Bank
Base
Travel
Gas
Brand
Earning rate: 2X miles on Korean Air, Gas Stations, Hotels
Avianca Vida Visa Card
Base
Brand
Earning rate: 2X Avianca
Korean Air SKYPASS Visa issued by US Bank
Base
Brand
Earning rate: 2X Korean Air
American Airlines AAdvantage MileUp Card
Base
Grocery
Brand
Earning rate: 2X grocery ⚬ 2X AA ⚬ 1X everywhere else
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Base
Dine
Gas
Brand
Earning rate: 2X restaurants ⚬ 2X gas ⚬ 2X AA
PenFed Pathfinder Rewards
Base
Travel
Earning rate: 4X Travel for PenFed Honors Advantage Members ⚬ 3X travel otherwise ⚬ 1.5X everywhere else. Advantage membership is available to anyone who opens an Access America Checking account, or to military members.
Marriott Bonvoy Brilliant™ American Express® Card
Base
Travel
Dine
Brand
Earning rate: 3X airfare charged by airline; 3X US restaurants, 6X Marriott; 2X on all other eligible purchases
Marriott Bonvoy Business™ American Express® Card
Base
Dine
Gas
Phone
Biz
Brand
Earning rate: 6x at Marriott Bonvoy properties ⚬ 4x U.S. restaurants, U.S. gas stations, wireless telephone services purchased from U.S. suppliers and on U.S. purchases for shipping ⚬ 2x on all other eligible purchases. Terms Apply. (Rates & Fees)
Marriott Bonvoy™ American Express® Card
Base
Brand
Earning rate: 6X Marriott ⚬ 2X on all other eligible purchases
Marriott Bonvoy Premier Plus Business
Base
Gas
Phone
Biz
Brand
Earning rate: 6X Marriott ⚬ 4X dining, internet, cable and phone service ⚬ 4X gas stations and shipping ⚬ 2X everywhere else.
Chase Ritz Carlton Rewards Visa Infinite
Base
Travel
Dine
Brand
Earning rate: ⚬ 6X Ritz & Marriott.⚬ 3X airline tickets purchased directly with the airline, at car rental agencies and at restaurants ⚬ 2X everywhere else
Marriott Bonvoy Boundless™ Credit Card
Base
Brand
Earning rate: ⚬ 6X Marriott Bonvoy ⚬ 2X everywhere else
Upromise World MasterCard® issued by Barclays
Base
1.25%
Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not.
Hilton Honors American Express Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Hilton Honors American Express Business Card
Base
Travel
Dine
Gas
Phone
Biz
Brand
Other
Earning rate: ⚬ 12X Hilton spend ⚬ 6X on Select Business & Travel Purchases (flights booked directly with airlines or Amex Travel; car rentals booked directly from select car rental companies; US restaurants; US gas stations; wireless telephone services purchased directly from US service provider; US shipping purchases) ⚬ 3X on all other eligible purchases
Hilton Honors American Express Surpass® Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 12X Hilton spend ⚬ 6X U.S. restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases
Hilton Honors American Express Aspire Card
Base
Travel
Dine
Brand
Earning rate: ⚬ 14X Hilton spend ⚬ 7X US restaurants, flights booked directly with airlines or amextravel.com, select car rental companies ⚬ 3X on all other eligible purchases ⚬ Terms & Limitations Apply.
Delta SkyMiles® Reserve Business American Express Card
Base
Brand
Other
1.5X
(1.8%)
Earning rate: 3X Delta ⚬ 1.5X on all spend per calendar year after spending $150K
Free Spirit Travel Mastercard
Base
Brand
Earning rate: 2X Spirit
Free Spirit Travel More Mastercard
Base
Dine
Grocery
Brand
Earning rate: 3X Spirit ⚬ 2X dining & grocery ⚬ 1X everywhere else
Emirates Skywards Premium World Elite Mastercard
Base
Travel
Brand
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Emirates Skywards Rewards World Elite Mastercard
Base
Travel
Brand
Earning rate: 3X Emirates ⚬ 2X airfare, hotel, and car rentals ⚬ 1X everywhere else
Delta SkyMiles® Gold Credit Card from American Express
Base
Dine
Grocery
Brand
Earning rate: 2X Delta ⚬ 2x restaurants worldwide ⚬ 2x US supermarkets
Delta SkyMiles® Blue Credit Card from American Express
Base
Dine
Brand
Earning rate: 2X restaurants worldwide ⚬ 2X Delta ⚬ 1X on all other eligible purchases
Delta SkyMiles® Gold Business American Express Card
Base
Dine
Brand
Other
Earning rate: 2X Delta ⚬ 2X U.S. purchases for advertising in select media ⚬ 2X U.S. shipping purchases ⚬ 2X restaurants
Delta SkyMiles® Platinum Credit Card from American Express
Base
Travel
Dine
Grocery
Brand
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 2X restaurants ⚬ 2X US Supermarkets
Delta SkyMiles® Platinum Business American Express Card
Base
Travel
Brand
Other
1.5X
(1.8%)
Earning rate: 3X Delta ⚬ 3X purchases made directly with hotels ⚬ 1.5X on purchases of $5K or more (max 50K extra miles per year)
CNB Crystal Visa Infinite Credit Card
Base
Travel
Dine
Earning rate: ⚬ 3X airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else
Chase Aer Lingus Visa Signature® Card
Base
Brand
Earning rate: ⚬ 3X Aer Lingus, Iberia, British Airways, LEVEL and OpenSkies ⚬ 1X elsewhere
Chase Iberia Visa Signature® Card
Base
Brand
Earning rate: 3X Iberia, British Airways, Aer Lingus, LEVEL and OpenSkie ⚬ 1X elsewhere
Cathay Pacific Visa Signature card
Base
Dine
Brand
Other
Earning rate: ⚬ 2X Cathay Pacific ⚬ 1.5X dining ⚬ 1.5X purchases outside of the US ⚬ 1X everywhere else
Chase British Airways Visa Signature® Card
Base
Travel
Brand
Earning rate: 5X British Airways. Iberia, and LEVEL purchases for 12 months (then 3x) ⚬ 3X hotel accommodations booked directly with the hotel (then 2X) ⚬ 1X elsewhere
Best Western Rewards Premium MasterCard issued by First Bankcard
Base
Brand
Earning rate: 10X at Best Western properties ⚬ 2X elsewhere
BB&T Spectrum Rewards
Base
1.05X
(1.05%)
Earning rate: 3% cash back on all net qualified purchases for the first 90 days, then 1%
Radisson Rewards Visa Signature Card
Base
Brand
Earning rate: ⚬ 6X at CC hotels ⚬ 3X elsewhere
Discover it®
Base
Shop
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2021 Q4: 5% Amazon.com, Walmart.com, Target.com
Verizon Visa Card
Base
Dine
Gas
Grocery
Brand
Earning rate: Earn Verizon Dollars: 4% grocery & gas ⚬ 3% dining ⚬ 2% Verizon (including monthly wireless bill) ⚬ 1% everywhere else
Norwegian Cruise Line® World Mastercard®
Base
Travel
Brand
Earning rate: 3x Norwegian cruise line purchases ⚬ 2x air and hotel
Barclays Arrival™ World MasterCard®
Base
Travel
Dine
Earning rate: ⚬ 2X Miles for travel and dining ⚬ 1X everywhere else
HSBC Premier World Mastercard® credit card
Base
Travel
Earning rate: 2x travel (includes airlines, hotels, and car rentals)
TD First Class Visa Signature® Card
Base
Travel
Dine
Earning rate: 3X travel & dining
BBVA
ClearPoints Credit Card
Base
Earning rate: Choose one of ten categories for 3x and one for 2x each quarter, then 1x everywhere else. Must choose 3x and 2x categories before each quarter starts or all purchases will default to 1x. You may select your categories as early as the first day of the preceeding quarter. Bonus categories are not capped.
Royal Caribbean® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD
Base
Dine
Gas
Grocery
Earning rate: 4X take out, food delivery (including apps like GrubHub, UberEATS, etc), and dining ⚬ 2X grocery (including meal kit delivery), gas stations, and streaming services
U.S. BANK ALTITUDE® CONNECT VISA SIGNATURE® CARD
Base
Travel
Dine
Gas
Grocery
Other
Earning rate: 4X travel and gas stations ⚬ 2x take out, food delivery (including apps like GrubHub, UberEATS, etc), dining, grocery (including meal kit delivery) and streaming services
Discover it® for Students
Base
Shop
Earning rate: 5X in rotating categories, up to $1500 spend per quarter. 2021 Q4: 5% Amazon.com, Walmart.com, Target.com
HSBC Premier World Elite Mastercard® credit card
Base
Travel
Dine
Earning rate: 3x travel (includes airlines, hotels, and car rentals) ⚬ 2x dining
Celebrity Cruises® Visa Signature® Credit Card
Base
Brand
Earning rate: 2x Royal Caribbean, Celebrity Cruises, and Azamara
Bank of America Customized Cash Rewards
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 3% back on your choice of the following: gas, online shopping, dining, travel, drugstores, home improvement & furnishings (can choose a new category monthly). ⚬ 2% back at grocery stores & wholesale clubs ⚬ 1% back everywhere else. 2% and 3% rewards are capped at $2500 in combined purchases per quarter
Capital One SavorOne Cash Rewards Credit Card
Base
1%
Dine
3%
Grocery
3%
Other
3%
Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores ⚬ 1% everywhere else ⚬ 8% back at Vivid Seats (through January 2023)
U.S. Bank Business Leverage® Visa Signature® Card
Base
1%
Other
2%
Earning rate: 2x on top two categories where you spend the most each month.
Capital One Savor
Base
1%
Dine
4%
Grocery
3%
Other
4%
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ⚬ 3% at grocery stores ⚬ 1% everywhere else ⚬ 8% back at Vivid Seats (through January 2023)
SimplyCash® Plus Business Credit Card from American Express
Base
1%
Travel
3%
Gas
3%
Phone
5%
Office
5%
Biz
3%
Earning rate: ⚬ 5% US office supply stores and US wireless phone services ⚬ 3% your choice from list of categories (e.g. airfare, hotels, car rentals, gas stations, restaurants, select media buys, shipping,computer) ⚬ 1% other purchases. 3% and 5% rebates are capped at $50,000 per rebate year and then earn 1% thereafter. Terms Apply.
Disney Visa Card
Base
1%
Earning rate: This card only earns 1% back in the form of "Disney Dream Dollars" on most purchases (and 2% in bonus categories) and the meet & greet is also available on the Disney debit card. However, the current signup bonus makes it worth a look.
Disney Premier Visa Card
Base
1%
Dine
2%
Gas
2%
Grocery
2%
Brand
2%
Earning rate: 2X grocery stores, restaurants, gas stations, and most Disney locations ⚬ 1X everywhere else
TD Business Solutions Visa
Base
1%
Dine
2%
Gas
2%
Phone
3%
Earning rate: ⚬ 3% phone, internet and cable services ⚬ 2% dining and gas stations
Amazon Prime Rewards Visa
Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Brand
5%
Other
2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon.com and Amazon physical stores ⚬ 5% back at Whole Foods ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and drugstores ⚬ 1% back on all other purchases
Amazon Business Prime American Express Card
Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%
Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods on up to $120K in purchases per calendar year, then 1% ⚬ 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services ⚬ 1% back on all other purchases
“Old” Blue Cash Card from American Express
Base
1%
Grocery
5%
Other
5%
Earning rate: ⚬ Up to 5% Cash Back at U.S. supermarkets, U.S. gas stations & select U.S. drugstores (Everyday Purchases) ⚬ Up to 1% Cash Back on other purchases. ⚬ For your first $6,500 in purchases in a reward year, you will earn 1% on Everyday Purchases (5% thereafter), and 0.5% on other purchases (then 1%) ⚬ Terms Apply.
Blue Cash Everyday® Card from American Express
Base
1%
Gas
2%
Grocery
3%
Shop
2%
Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply.
Blue Cash Preferred® Card from American Express
Base
1%
Travel
3%
Gas
3%
Grocery
6%
Shop
3%
Other
6%
Earning rate: ⚬ 6% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 6% Cash Back on select U.S. streaming subscriptions. ⚬ 3% Cash Back on transit (includes taxis/rideshare, parking, tolls, trains, buses and more). 3% cash back US gas stations ⚬ 1% cash back on other purchases ⚬ Terms apply.
U.S. Bank Business Cash Rewards World Elite Mastercard
Base
1%
Gas
3%
Phone
3%
Office
3%
Earning rate: 3% back at gas stations, office supply stores, and cell phone/service providers ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Base
1%
Dine
3%
Gas
3%
Phone
3%
Office
3%
Earning rate: 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants ⚬ 1% back everywhere else ⚬ Note: purchases of gaoline greater than $200 will not be deemed to be a purchase of automotive gasoline and will therefore earn only 1%.
Miami Marlins Credit Card
Base
1%
Dine
3%
Brand
5%
Other
3%
Earning rate: 5x on Marlins tickets ⚬ 5% back on retail & concessions at IoanDepot Park ⚬ 3x on dining, food delivery, gas and drugstores ⚬ 1x on everything else
Venmo Credit Card
Base
1%
Earning rate: 3% on your eligible top spend category (6% through 12/31) ⚬ 2% on your second top category (4% through 12/31/21) ⚬ 1% everywhere else (2% through 12/31/21) ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment
Cleveland Cavaliers Credit Card
Base
1%
Dine
3%
Grocery
3%
Brand
5%
Earning rate: 5x Cavs season tickets and streaming services ⚬ 3x other Cavs tickets, dining, grocery, and delivery ⚬ 1x everywhere else
ABOC Platinum Rewards
Base
1%
Dine
5%
Grocery
5%
Shop
5%
Other
5%
Earning rate: 5x in rotating categories, up to $1500 spend per quarter. 2021 Q4: Dining, Groceries, Liquor Stores, Amazon.com
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank
Base
1%
Brand
3%
Earning rate: 3% cash back on qualified purchases made through the Ebates portal ⚬ 1% cash back everywhere else.
BBVA Compass NBA American Express Card
Base
1%
Gas
2%
Grocery
2%
Brand
3%
Other
5%
Earning rate: 2X gas and grocery ⚬ 3X NBA purchases ⚬ 5X on all purchases during the NBA All-Star Weekend and two weeks of the NBA finals
AARP® Essential Rewards Mastercard®
Base
1%
Gas
3%
Other
3%
Earning rate: 3% drugstores and gas stations ⚬ 2% medical expenses ⚬ 1% everywhere else
BBVA Compass Select
Base
1%
Travel
2%
Dine
3%
Other
4%
Earning rate: 4x entertainment ⚬ 3x dining ⚬ 2x travel
Ridgewood Savings Bank World Mastercard
Base
1%
Travel
2%
Dine
3%
Earning rate: 3x travel & dining ⚬ 2x gas
Vantage West Connect Rewards
Base
1%
Gas
3%
Grocery
2%
Other
5%
Earning rate: 5x on up to $1500 in purchases per quarter in the category of your choice out of Travel, Restaurants, Utilities [water, cell, electric, etc.], In-Store Wholesale Purchases [Costco, Sam’s Club, etc.], Department Stores, Hardware & Home Improvement Stores, Charitable Organizations, Pharmacies & Drug Stores, Amazon.com ⚬ 3x gas ⚬ 2x groceries
SEFCU Lightning Credit Card®
Base
1%
Grocery
3%
Shop
5%
Earning rate: 5x online purchases until 1/31/21 ⚬ 3x grpcery on up to $1250 per quarter
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
2%
Shop
3%
Other
3%
Earning rate: 2% at grocery stores and wholesale clubs and 3% on one category of your choice between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (can choose a new category monthly) up to the first $2,500 in combined 2% and 3% category purchases each quarter, then 1%.
Bank of America Business Advantage Cash Rewards Mastercard
Base
1%
Travel
3%
Dine
2%
Gas
3%
Phone
3%
Office
3%
Biz
3%
Earning rate: 2% on dining plus 3% on 1 choice from: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice/dining purchases each calendar year, 1% thereafter) and 1% everywhere else.
Citi Dividend Platinum Select
Base
1%
Other
5%
Earning rate: 5X on rotating categories each quarter. 5% limited to $6K spend per year. 2021 Q3 = Gas stations and home improvement stores
Manchester United Credit Card
Base
1%
Dine
5%
Other
5%
Earning rate: 5x rideshare and streaming services ⚬ 5x bars and restaurants on match days ⚬ 1x everywhere else
AARP® Travel Rewards Mastercard®
Base
1%
Travel
3%
Dine
2%
Earning rate: 3% airfare, hotel stays, and car rentals ⚬ 2% restaurants ⚬ 1% everywhere else
PRICELINE REWARDS VISA® CARD
Base
1%
Brand
5%
Earning rate: Earn 5x on eligible Priceline.com purchases
AARP Credit Card from Chase
Base
1%
Dine
3%
Gas
3%
Earning rate: 3% restaurants and gas stations.
AAA Member Rewards Visa Signature Card
Base
1%
Travel
3%
Gas
2%
Grocery
2%
Shop
2%
Brand
3%
Other
2%
Earning rate: 3% travel & AAA ⚬ 2% gas, grocery store, wholesale club and drugstore purchases ⚬ 1% back everywhere else
Affinity Cash Rewards Visa® Signature Credit Card
Base
1%
Dine
2%
Gas
2%
Grocery
2%
Other
5%
Earning rate: 5% back at all bookstores, including Amazon (note: this is capped at $3500 in purchases per month) ⚬ Extra 5% back in rotating categories (Q2 2021: Clothing & Accessories, Home Supplies, Drug Stores) ⚬ 2% back at restaurants, gas stations, and supermarkets
Costco Anywhere Business Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Brand
2%
Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel ⚬ 2% Costco ⚬ 1% everywhere else
Costco Anywhere Visa
Base
1%
Travel
3%
Dine
3%
Gas
4%
Earning rate: ⚬ 4% gas (up to $7K spend / year) ⚬ 3% restaurant & travel; 2% Costco ⚬ 1% everywhere else
Huntington Voice
Base
1%
Travel
3%
Dine
3%
Gas
3%
Grocery
3%
Shop
3%
Office
3%
Biz
3%
Other
3%
Earning rate: 3% cash back on up to $2K in spend in the category you choose each quarter: gas stations, travel & entertainment, restaurants, discount & warehouse stores, grocery stores, utilities & office supply stores, electronics and computer and camera stores, department and apparel and sporting good stores, auto parts & service, and home improvement stores
TD Cash Visa Credit Card
Base
1%
Dine
3%
Grocery
2%
Earning rate: ⚬ 3% dining ⚬ 2% grocery stores
Marvel MasterCard from Synchrony
Base
1%
Brand
3%
Other
3%
Earning rate: ⚬ 3% cash back for dining, select entertainment, and Marvel purchases
(Select entertainment = Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores)
U.S. Bank Cash+
Base
1%
Travel
5%
Dine
2%
Gas
2%
Grocery
2%
Shop
5%
Phone
5%
Other
5%
Earning rate: Each quarter, choose two 5% cash back categories (capped at $2K spend per quarter combined) and one 2% category (uncapped). 1% cash back everywhere else. 5% Categories: Home Utilities ⚬ Ground Transportation ⚬ Select Clothing Stores ⚬ Cell Phone Providers ⚬ Electronic Stores ⚬ TV, Internet & Streaming Services ⚬ Gyms/Fitness Centers ⚬ Fast Food ⚬ Sporting Goods Stores ⚬ Department Stores ⚬ Furniture Stores ⚬ Movie Theaters. 2% Categories: Gas Stations ⚬ Restaurants ⚬ Grocery Stores
Frontier Airlines World MasterCard®
Base
Dine
Brand
Earning rate: 5X at FlyFrontier.com ⚬ 3X restaurants
Uber Visa Card
Base
Travel
Dine
Brand
Earning rate: 5% Uber Cash for Uber spend (including UberEATS) ⚬ 3% Uber Cash for dining, hotels, and airfare ⚬ 1% Uber Cash everywhere else
Wyndham Rewards Earner Business Card
Base
Gas
Phone
Biz
Brand
Other
Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else
Wyndham Rewards Visa issued by Barclays
Base
Gas
Grocery
Brand
Other
Earning rate: ⚬ 5X Wyndham ⚬ 2X gas, utility, & grocery ⚬ 1X everywhere else
Wyndham Rewards Visa issued by Barclays (no annual fee)
Base
Gas
Grocery
Brand
Earning rate: ⚬ 3X Wyndham ⚬ 2X gas, utility & grocery ⚬ 1X everywhere else
Wyndham Rewards Earner Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X Wyndham & gas ⚬ 2X restaurants & grocery ⚬ 1X everywhere else
Wyndham Rewards Earner Plus Card
Base
Dine
Gas
Grocery
Brand
Earning rate: 6X Wyndham & gas ⚬ 4X restaurants & grocery ⚬ 1X everywhere else
The Hawaiian Airlines® Business MasterCard® issued by Barclays
Base
Dine
Gas
Office
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and office supply stores ⚬ 1x everywhere else
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays
Base
Dine
Gas
Grocery
Brand
Earning rate: 3X Hawaiian Airlines ⚬ 2x gas, dining, and grocery stores ⚬ 1x everywhere else
Sonesta World Mastercard
Base
Travel
Brand
Earning rate: 2X airfare, car rental and dining ⚬ 3X Sonesta
Citi® Expedia®+ Voyager Card
Base
Dine
Brand
Other
Earning rate: 4X Expedia purchases ⚬ 2x restaurants & entertainment
Citi® Expedia Rewards Credit Card
Base
Brand
Earning rate: 3X Expedia purchases
Chase Marriott Bonvoy Premier
Base
Travel
Dine
Brand
Earning rate: ⚬ 2X airline, car rental, & restaurants ⚬ 5X Marriott.
Marriott Bonvoy Bold Credit Card
Base
Travel
Brand
Earning rate: ⚬ 3X Marriott Bonvoy ⚬ 2X travel ⚬ 1X everywhere else
LATAM Visa Signature issued by US Bank
Base
Brand
Earning rate: 2X on spending with LAN & TAM
Chase IHG® Rewards Club Traveler Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Chase IHG® Rewards Club Select Credit Card
Base
Dine
Gas
Grocery
Brand
Earning rate: ⚬ 5X IHG ⚬ 2X gas, grocery, and restaurants
Chase IHG® Rewards Club Premier Credit Card
Base
Dine
Gas
Grocery
Brand
10X
(6%)
Earning rate: 10X IHG ⚬ 2X gas, grocery, and restaurants.
Chase Slate Edge
Base
Earning rate: This card does not earn ongoing rewards beyond the welcome bonus.
BOA Platinum Business Visa
Base
0%
Earning rate:

The above cards (at least the top 25 or so in the list) offer great rewards regardless of where they’re used.  Our entire database of credit cards is contained above, shown 10 cards at a time, and sorted with the best everyday everywhere-else rewards on top.  For the purposes of this post, please train your eyes on the boxes titled “Base”.  These show the base earning rate (aka “everywhere else” earning rate) for each card.

For cards that earn points instead of cash back, we’ve listed the “X” which is the number of points per dollar earned. For example, “2X” means that the card earns 2 points per dollar.

Cards are sorted by the value of the “Base” rebate in descending order based on our Reasonable Redemption Values (RRVs), or by their fixed redemption value with cash back cards.

As we analyze the best cards for everyday spend, it’s worth noting that transferable points are assigned higher Reasonable Redemption Values since they make it possible to cherry pick the best value awards.  In some cases this will be unintuitive:

  • Fixed Value Cards: Capital One Venture and Spark Miles cards earn Capital One “miles” that are worth exactly 1 cent each when redeemed for travel. So, when you look at a card that earns 2 “miles” per dollar you would expect to see 2% as the base rewards rate.  Instead, you’ll find a higher percentage because Capital One Miles are transferable to airline miles at a rate up to 2 Capital One Miles to 1.5 airline miles.
  • Cash Back Cards:  Some cards are advertised as cash back cards, but actually earn points that can be converted to airline miles or hotel points.  For example, the Chase Freedom card is advertised as a cash back card where points are worth 1 cent each.  However, if you (or another household member) has a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Plus, etc.), you can move points from the Freedom card to the other card and then transfer those points to airline or hotel programs as needed.
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[…] Note that you will not earn an office supply category bonus. These purchases are processed through GiftCardMall, so no dice there. Just use a card on which you’re trying to meet a spending requirement (proceed with caution if it is an Amex spending requirement) or the card you have which earns the best return on everyday spend. […]

[…] There are many reasons you may want to increase credit card spend. You may need to meet spend requirements on several new credit cards in order to earn huge signup bonuses. Or, perhaps you want to earn high level elite status or other big spend bonuses, as Greg does with Delta. Or, perhaps you simply want to earn extra rewards using cards with big category bonuses, or big rewards for everyday spend. […]

[…] Payment is processed by GiftCardMall/Blackhawk Network, so there’s sadly no 5x opportunity here. That said, it could be an opportunity to pick up spend on whichever card offers you the best return on everyday spend. […]

[…] If you can’t earn any category bonuses, you can always look to our guide to the best cards for everday spend. […]