Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics here on the issuer’s website.
You may have a retail store card in your wallet for that home remodeling project or a Visa or Mastercard that you only use for emergencies, but if you don’t have a credit card for everyday use, you may be missing out. The truth is credit cards aren’t just for convenience. Using a credit card for day-to-day purchases, like groceries, gas and takeout, can help you reap some great benefits, especially in the case of rewards cards.
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To help you sort out which rewards cards would be best for your everyday purchases, GOBankingRates selected four of the best cards available and an alternative for each. Pay attention to details, such as whether there’s an annual fee or an introductory APR. Also, consider which card will help you maximize your ability to earn rewards based on your everyday purchases. For example, a card that features a high cash-back reward for spending at the grocery store for the first year might offer a much lower reward in the years after. Other factors to consider include special perks, like a spending bonus or a cash-back match.
Blue Cash Everyday Card From American Express
The Blue Cash Everyday Card from American Express offers no annual fee and a generous introductory APR on purchases and balance transfers. You’ll earn 3% cash back on the first $6,000 of purchases at U.S. supermarkets; then 1% thereafter. You’ll also earn 3% cash back on the first $6,000 of purchases at U.S. gas stations, then 1% thereafter, and 1% back on all other purchases. Plus, you’ll earn $200 cash back if you spend $2,000 within the first six months that you have the card.
Another rewards credit card from American Express that’s good for everyday purchases is the Blue Cash Preferred Card from American Express, but it has an annual fee of $95. It offers generous introductory APR. You’ll earn 6% cash back on the first $6,000 of purchases at U.S. supermarkets; then 1% thereafter. You’ll also earn 6% on U.S. streaming subscriptions, 3% at U.S. gas stations and transit and 1% back on other eligible purchases.
All information about American Express card offers have been collected independently by GOBankingRates and have not been reviewed or approved by American Express. These offers are not available through GOBankingRates.
Capital One VentureOne Rewards
If you like to travel, the Capital One VentureOne Rewards card will reward you with unlimited 1.25x travel miles per every $1 you spend, which you can redeem on any hotel, airline or travel expense without the hassle of blackout dates. The card features a 0% intro APR for 12 months and no annual fee. Plus, you’ll earn 20,000 bonus miles if you spend $500 within the first three months of opening your account.
If you’re interested in a more robust travel rewards card to use for your everyday purchases, the Capital One Venture Rewards card offers unlimited 2x travel miles per every $1 you spend and you can earn 60,000o bonus miles if you spend $3,000 on purchases within the first three months of account opening. However, the card does not offer a 0% introductory APR and has a $95 annual fee.
Discover it Cash Back
The Discover it Cash Back card offers no annual fee and a 0% APR for the first 14 months on both purchases and balance transfers. You can also get 5% cash back on up to $1,500 worth of everyday purchases each quarter. Cash-back categories rotate and include everyday purchases at Amazon.com, grocery stores, drugstores, wholesale clubs, streaming services, gas stations, restaurants and PayPal purchases. But the rewards don’t stop there. You’ll earn 1% cash back on all other purchases and receive an unlimited cash-back match from Discover based on all the cash back you earned during the first year.
The Discover it Miles card is another option. It offers 0% APR for the first 14 months on purchases and no annual fee. You’ll earn 1.5x unlimited miles per $1 on all your everyday purchases. Plus, Discover will automatically match all the miles you’ve earned at the end of your first year as a cardholder.
Chase Freedom Unlimited
The Chase Freedom Unlimited card offers no annual fee and a 0% introductory APR for the first 15 months, plus a bonus of up to $300 within the first year since you’ll earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). Other rewards include the following:
- 5% cash back on Chase Travel purchased via Chase Ultimate Rewards
- 3% cash back on restaurants and eligible takeout and delivery services
- 3% cash back on drugstore purchases
- 1.5% cash back on other purchases
Or you could opt for the Chase Freedom Flex credit card, which offers a $200 spending bonus after $500 spent within the first 3 months. It also offers many of the same cash-back bonuses with the following two additions: 5% cash back on up to $1,500 in purchases in a different category each quarter that you activate and 1% (instead of 1.5%) cash back on all other purchases.
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