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7 Best Credit Cards for Everyday Use of 2022

7 Best Credit Cards for Everyday Use of 2022

The Citi® Double Cash Card – 18 month BT offer is a great credit card for everyday use for most types of cardholders, because it earns the same high rate of cash back on every purchase.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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Top Credit Cards for Everyday Use of 2022

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

Citi Custom Cash℠ Card

On Citibank's Secure Website

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

Most credit cards are designed to serve a very specific purpose. Some are best used when paying for airline tickets, some for shopping at your favorite department store, while others still may be best suited for paying the bill at a restaurant. However, it's always good to have a trusted everyday card at your disposal that you can turn to for your daily purchases. We pulled together the best credit cards for everyday use, and categorized them so that you can find a card that best fits your needs.

Compare the best credit cards for everyday use of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Best overall
Citi® Double Cash Card – 18 month BT offer
Citi<sup>®</sup> Double Cash Card – 18 month BT offer
No bonus660 - 850$0
Apply Now
On Citibank's Secure Website
Groceries
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.660 - 850$0
Apply Now
On Citibank's Secure Website
Online subscriptions
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express
Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.660 - 850$95 See Rates & Fees.
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Compare all cards

Welcome Offer

No bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Credit Score Needed

660 - 850
660 - 850

Annual Fee

$0
$0
Apply Now
On Citibank's Secure Website
Apply Now
On Citibank's Secure Website

Best credit card for everyday use overall

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

$0

15.49% - 25.49% (Variable)

660 - 850

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • $0 annual fee
  • Intro APR of 0% for 18 months on Balance Transfers (followed by a 15.49% - 25.49% (Variable) APR)
  • Can transfer cash back to valuable ThankYou points at a rate of 1 cent per point
  • Rewards do not expire as long as you keep the card open
  • No initial welcome offer
  • No bonus categories
  • 3% foreign transaction fee

The Citi® Double Cash Card is an excellent choice for the best everyday credit card for individuals whose everyday spending doesn't conform to one or two categories. This card maintains an above-average rewards rate no matter where you use it: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Most other cards only offer 1% back when you use them on their non-bonus categories.

The card comes with a $0 annual fee (an added plus), as well as offering an intro APR of 0% for 18 months on Balance Transfers (followed by a 15.49% - 25.49% (Variable) APR). Another great feature of the Citi® Double Cash Card is that you also have the ability to transfer your cash rewards to valuable Citi ThankYou points — that can help you maximize the value of your rewards, especially if you have a premium Citi card like the Citi Premier® Card.


Best credit card for everyday use and groceries

Citi Custom Cash℠ Card

On Citibank's Secure Website

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$0

15.49% - 25.49% (Variable)

660 - 850

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

  • 5% cash back on up to $500 in the spending category where you spend the most
  • $0 annual fee
  • Transfer cash back to ThankYou points, which can make rewards more valuable
  • 5% is limited to only $500 in spending each month and only in one spending category
  • 1% on all other purchases

The Citi Custom Cash℠ Card lets you Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

The catch, however, is that you’ll only earn the 5% cash back on your first $500 each month. All spending over $500 in your highest spending category and all spending in every other category only earns 1%. Still, this can make it one of the best grocery credit cards, especially if you spend around $500 each month at grocery stores.


Best credit card for everyday use and online subscriptions

Blue Cash Preferred® Card from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$95

15.49%-25.49% Variable

660 - 850

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
  • Redeem cash back easily for statement credits
  • $0 annual fee for the first year
  • Terms apply
  • Only 1% on non-bonus categories
  • An annual fee applies after the first year
  • Terms apply

Compared to other credit cards, it's clear that the Blue Cash Preferred® Card from American Express is one of the most rewarding for the average consumer's daily expenses. It offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. The rewards that you earn are redeemable for statement credits.

The 6% back on streaming subscriptions with the Blue Cash Preferred® Card from American Express is one of the best returns on streaming subscriptions out there. The card is also highly rewarding for U.S. supermarkets, transit and U.S. gas station purchases.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.


Best credit card for everyday use and online shopping

Amazon Prime Rewards Visa Signature Card

  • 5% cash back on purchases at Amazon and Whole Foods (with an Amazon Prime account)
  • 2% back at restaurants, gas stations and drugstores
  • $0 annual fee
  • Have to pay for Amazon Prime to get the highest reward value
  • No earning bonus at other grocery stores besides Whole Foods

The Amazon Prime Rewards Visa Signature Card is a great card for online shopping, as it offers one of the best rewards rates out there for shopping at Amazon: 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases..

Earning 5% cash back on all purchases at Amazon and Whole Foods (with an Amazon Prime account) is a great offer and one that is hard to beat with any other card. There’s a $0 annual fee with the Amazon Prime Rewards Visa Signature Card, but you'll also earn only 1% cash back on most of your purchases.


Best credit card for everyday use and drugstore purchases

Bank of America® Customized Cash Rewards credit card

Generic art
Not available on ValuePenguin

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$0

14.74% - 24.74% Variable APR

660 - 850

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category. 
  • No annual fee and no expiration on rewards. 
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply.  A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

  • 3% cash back on one category of your choice
  • 2% cash back at grocery stores and wholesale clubs
  • Introductory APR of 0% Intro APR for 15 billing cycles for purchases for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days for balance transfers made within 60 days (followed by a 14.74% - 24.74% Variable APR)
  • $0 annual fee
  • Bonus cash back categories are limited to $2,500 each quarter
  • You have to select your bonus category
  • Only 1% cash back on all other spending

The Bank of America® Customized Cash Rewards credit card is another good credit card for everyday purchases that comes with a $0 annual fee. A unique feature of this card is that you can pick a different category each month to earn bonus cash back in.

You'll earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases One of the choice categories is drugstores, which makes this a great credit card for drugstore purchases. You'll also earn bonus cash back at grocery stores and wholesale clubs, though your bonus cash back is limited to $2,500 per quarter in combined 3% and 2% categories.


Best credit card for everyday use and utility bills

Ink Business Preferred® Credit Card

On Chase's Secure Website

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

$95

16.74% - 21.74% Variable

720 - 850

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Earns transferable points

  • 3x points on internet, cable and phone services
  • 3x points on travel, shipping purchases and advertising purchases made with social media sites and search engines
  • Earns valuable Ultimate Rewards points
  • $95 annual fee
  • Only 1 point per dollar in most spending categories

The Chase Ink Business Preferred® Credit Card is a small business credit card that’s great for paying many types of utility bills. You'll Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

With Chase Ultimate Rewards®, points can be redeemed as cash, used with a 25% bonus towards travel or transferred to Chase's hotel and airline travel partners.


Best credit card for everyday use and low spenders

Citi Rewards+® Card

On Citibank's Secure Website

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

$0

14.99% - 24.99% (Variable)

660 - 850

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

  • $0 annual fee
  • Intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers (followed by an APR of 14.99% - 24.99% (Variable))
  • Automatically rounds up to the nearest 10 points on every purchase
  • 10% points back on the first 100,000 ThankYou points you redeem each year
  • Only 1 point per dollar on most purchases
  • Low initial welcome offer
  • $6,000 cap on supermarket and gas bonus
  • For big spenders, overall rewards rate is low

The Citi Rewards+® Card is another card with a $0 annual fee that could make sense for many potential cardholders. The Citi Rewards+® Card is a travel card that earns Citi ThankYou points: You'll For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1X Points per $1 spent. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.

Notably, this card automatically rounds up to the nearest 10 points on every purchase. Even a $1 hot dog will still earn you 10 points per dollar, so this is a great card for people that have a lot of small purchases.


Best credit card for everyday use and phone bills

Ink Business Cash® Credit Card

On Chase's Secure Website

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

$0

13.99% - 19.99% Variable

720 - 850

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

  • $0 annual fee
  • Can transfer cash back to Ultimate Rewards points if you have a premium Chase card
  • 5% cash back at office supply stores and on internet, cable and phone services
  • Only 1% cash back on many categories of purchases

The Chase Ink Business Cash® Credit Card, made for small businesses, has a $0 annual fee and lets you Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

The cash back that you earn with the Chase Ink Business Cash® Credit Card can be converted to valuable Chase Ultimate Rewards® points if you have a premium Chase credit card.


Best credit card for everyday use as a second credit card

Chase Freedom Unlimited®

On Chase's Secure Website

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

$0

15.74% - 24.49% Variable

660 - 850

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

  • $0 annual fee
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants (including takeout and eligible delivery service) and drugstore purchases
  • Solid return on everyday purchases in all other categories
  • Ability to transfer cash back to Ultimate Rewards points if you have a premium Chase card
  • Charges a foreign transaction fee
  • Lower welcome offer than some other cards

It's hard to beat the cash back on the Citi® Double Cash Card , but the Chase Freedom Unlimited® is a pretty compelling alternative. You Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

And since the Chase Freedom Unlimited® is part of the Chase Ultimate Rewards® program, it's a great option, both for those who love to collect travel points and cash back aficionados. You can cash out your points for a penny each, or transfer them to premium Chase cards (like the Chase Sapphire Preferred® Card) and get a bonus on redeeming them for travel. This makes it a great second credit card, and one of the best credit cards for everyday use.


Best credit card for everyday use and travel

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

$95

17.49% - 25.49% (Variable)

660 - 850

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

  • Excellent return on all spending
  • Attractive welcome offer
  • Use your miles to pay for any travel purchase at a rate of 1 cent per mile
  • Transfer to 15-plus travel partners (some at a ratio of 1:1)
  • $95 annual fee
  • No bonus categories

The Capital One Venture Rewards Credit Card is great for consumers who want a "top of the wallet" credit card that can help earn rewards for travel. The Capital One Venture Rewards Credit Card gives a high 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023. It does charge a $95 annual fee, but the welcome bonus is outstanding and worth much more than the $95 annual fee. You can use your miles to directly pay for travel purchases or transfer to travel partners.


Best credit card for everyday use and hotels

Hilton Honors American Express Surpass® Card

Generic art
Not available on ValuePenguin

130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.

$95

17.24% to 26.24% variable

660 - 850

  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.  
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.

  • 12 Hilton points per dollar spent at Hilton hotels
  • Bonus points on U.S. restaurant, U.S. gas station and U.S. supermarket purchases
  • Complimentary Hilton Gold elite status (enrollment required)
  • Get a Weekend Night Reward after you spend $15,000 on eligible purchases in a calendar year
  • Terms apply
  • $95
  • Rewards that you earn can generally only be used for stays at Hilton hotels
  • Terms apply

If you're looking for your best credit card for everyday use, the Hilton Honors American Express Surpass® Card is a compelling option. It's one of the best credit cards for everyday use and points you can redeem at Hilton hotels, because you earn a large number of points on a variety of everyday purchases: Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

You'll also get complimentary Hilton Gold elite status (enrollment required) and a Weekend Night Reward after you spend $15,000 on eligible purchases in a calendar year.


Best credit card for everyday use and airlines

Delta SkyMiles® Gold American Express Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.

$0 introductory annual fee for the first year, then $99.

17.24%-26.24% Variable

660 - 850

  • Limited Time Offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
  • Enjoy your first checked bag free on Delta flights.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
  • Earn 1X Mile on all other eligible purchases.
  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
  • Enjoy a $0 introductory Annual Fee for the first year, then $99.
  • Terms Apply.
Earns transferable points

  • Excellent welcome offer
  • No annual fee the first year
  • Free first checked bag on Delta flights
  • Foreign transaction fees: None
  • Additional $100 Delta Flight Credit after spending $10,000 in purchases in a calendar year
  • Terms apply
  • Annual fee after the first year
  • Rewards earned can only be used with Delta and its travel partners
  • Low earning rate on most categories
  • Terms apply

Another choice for the best everyday credit card is the Delta SkyMiles® Gold American Express Card. The Delta SkyMiles® Gold American Express Card earns Delta Skymiles, with double miles on dining, groceries and Delta purchases: Earn 2X Miles on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and at U.S. supermarkets. Earn 1X Mile on all other eligible purchases.

If you're looking for the best rewards credit card for daily use and frequently fly on Delta or its partners, this might be a great card for you. It has a $0 introductory annual fee for the first year, then $99. Also, you can get a $100 flight credit on Delta after spending $10,000 in purchases in a calendar year. A free checked bag on Delta flights for you and up to eight passengers traveling with you is another great benefit.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.

Should I use my credit card for everything?

Because of the way that credit card rewards work, there are really very few reasons that you wouldn’t want to use your credit card for all purchases where you can. (This is provided that you have the financial ability and discipline to pay off your credit card in full every month.) The only time you wouldn’t want to use your credit card for a purchase would be if you can get a discount larger than 2% for paying in cash, or if credit cards aren’t accepted.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Ch2\u003EShould I use my credit card for everything?\u003C\/h2\u003E\n\n\u003Cp\u003EBecause of the way that credit card rewards work, there are really very few reasons that you wouldn\u2019t want to use your credit card for all purchases where you can. (This is provided that you have the financial ability and discipline to pay off your credit card in full every month.) The only time you wouldn\u2019t want to use your credit card for a purchase would be if you can get a discount larger than 2% for paying in cash, or if credit cards aren\u2019t accepted.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

How to pick the best credit card for everyday use

What do you spend the most on each month?

When picking the best credit card for everyday spending, it's a good idea to know where you typically spend the most each month. For example, if you spend a lot at gas stations, then it makes sense to have one of the best credit cards for gas purchases. Deciding where you spend the most each month can help you decide which credit card might be right for you.

It can also be a good idea to have at least one credit card that offers a good rewards rate on all purchases. There are two reasons for this — first, it can simplify things for you. If keeping track of multiple cards and multiple rewards rates feels overwhelming, having one card that gives good rewards on all purchases can be a good solution. Having a card that offers a flat rewards rate on all purchases can also be a good backup card to use for purchases where you don't have a card that would earn a bonus.

How do you want to redeem your rewards?

Another factor to consider in choosing the best card for everyday spending is how you want to redeem your rewards. There are four major ways that you can redeem rewards — cash back, airline miles, hotel points or bank points like American Express Membership Rewards. For example, if you want to redeem your rewards as cash back, then you’ll want to choose one of our best cashback credit cards. Some cards can give you the option to redeem in multiple ways, and this flexibility is generally desirable.

Is an annual fee worth it?

Many credit cards come with an annual fee, though there are also many credit cards that don’t charge one. If you are considering a card with an annual fee, you'll want to make sure that the rewards you’re earning are more than the annual fee. Most cards with annual fees will be worth it at least in the first year, due to the value of the sign-up bonus that comes with the card. But after the first year, make sure you crunch the numbers to see if it might make more sense to downgrade to a card with no annual fee.

Look at the card’s other features

When looking for the best rewards credit card for daily use, it can also be useful to consider other features that come with your card. Your card might offer:

  • Purchase protections
  • An introductory 0% APR on balance transfers
  • Free hotel nights
  • Elite status
  • Airport lounge access
  • Complimentary checked bags

These features can help you decide which card might be right for you.

How to make the most of a card for everyday use

If you're asking "what is the best credit card for my spending," here are a few tips to keep in mind:

  • Match your spending categories with the bonus categories on your card
  • Consider having an additional card that earns a respectable rate on all purchases
  • Look for a card with an attractive welcome offer
  • Make sure that if you have a card with an annual fee, the rewards you earn each year are worth more than the fee
  • Consider non-earning perks of a card like purchase protection, free checked bags or hotel or airline elite status

Everyday credit card FAQs

What is the best credit card for everyday purchases?

The exact best credit card for everyday purchases will depend on your own spending patterns and preferred method of redemption. While most of the cards on this list will be the "best" card for some consumers, it may be hard to top the Citi® Double Cash Card , which lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

How much should you spend on a credit card?

Before worrying about credit card rewards or benefits, you should make sure that you have the financial discipline and ability to pay off your credit card in full each month. If you do, then you should try to put as many of your purchases as possible on your credit card — that way you can maximize the rewards that you'll get each month.

Is it good to use a credit card for everyday purchases?

If you've already found the best credit card for everyday spending, you’ll want to start using it for all of your purchases. Unless you're at a merchant that doesn't take credit cards, or charges a 2% fee or more to pay with a credit card, it’ll usually make sense to use a credit card for everyday purchases. If you can get a significant discount for paying in cash then it does make sense to pay with cash — a 5% discount for paying in cash is equivalent to earning a 5% reward on your purchase.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best everyday credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here.

For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.

The information related to Amazon Prime Rewards Visa Signature Card, Bank of America® Customized Cash Rewards credit card and Hilton Honors American Express Surpass® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).