The best credit card for everyday spending isn’t just the one that covers your basic purchases. If you have good credit, you could earn some seriously good rewards every time you swipe your card.
Think of your credit card as an investment opportunity. When you use your card, you rack up cash back or points that can be turned into rewards.
You’re already spending the money, so why not get something in return?
Check out our top picks for the best credit card for everyday spending and start getting more with every purchase.
1. Chase Freedom Unlimited
Unlike many of the best rewards cards, the Chase Freedom Unlimited Card comes with no annual fee.
Cardholders can earn 1.5% cash back with every purchase, regardless of the category. There’s no minimum required to cash out your cash back earnings.
And, if you spend $500 in your first three months, you earn an automatic $150 bonus.
They also give you a 0% introductory APR, way lower than any loan you could ever get. You can transfer your high-interest credit card balances to this card for just 3% of the transferred amount.
After 15 months, the card assumes a variable APR depending on your creditworthiness.
2. Citi Double Cash Card
As the name implies, the Citi Double Cash Card gives you double the rewards. To start, you earn 1% cash back on all your purchases. Then, you get another 1% cash back once you pay your credit card bill.
There are no categories to keep up with and no limit as to how much you can earn.
You can get the Citi Double Cash Card for no annual fee. In addition, they offer a 0% APR balance transfers for the first 18 months, giving you a less expensive path to pay off debt.
For more information, check out our review of the Citi Double Cash Card.
3. Capital One Ventures Reward Card
If you travel a lot, whether for business or for pleasure, the Capital One Ventures Reward Card makes an ideal choice to lessen your travel costs.
For starters, this card offers 2x miles for every dollar you spend, with a bonus of 50,000 miles once you spend $3,000 in your first three months. In addition, you can earn 10x miles at participating hotels.
You can redeem your miles to “erase” travel-related expenses, including hotels, airfare, and even Uber rides.
If you travel outside the country, you’ll appreciate not having to pay foreign transaction fees on purchases made outside of the United States. Plus, you can get a $100 credit for TSA PreCheck to save you time at the airport.
The Best Credit Card for Everyday Spending
Before you settle on a single best credit card for everyday spending, consider what you’re really getting from the deal.
Some cards offer promising returns, but the annual fee will take away from your ROI. Other cards may not offer cash back or points in the categories you’re most likely to use.
Take time to think about your ultimate ROI to ensure you’re truly getting the best deal from every swipe.
Need an everyday credit card? Check out these top rewards cards that can make spending money a little more enjoyable.
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