12 Best Credit Cards for Everyday Use

12 Best Credit Cards for Everyday Use

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: November 13, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

For many of my friends, the search for the perfect partner centers around the idea of finding someone who isn’t “crazy.” What I always advise them to remember, of course, is that everyone is crazy, in their own ways. The key to a successful relationship isn’t searching for someone “normal,” but finding someone whose particular brand of crazy complements your own craziness.

Coincidentally, my sagest bit of relationship advice parallels one of my most well-worn pieces of credit card wisdom. Every credit card has its ups — and its downs. Instead of focusing on finding the “perfect” credit card (which doesn’t exist), you should look for a card that’s perfect for you.

In terms of finding the best card for everyday use, this means choosing a card that rewards you for the purchases you make most frequently, while also providing those rewards in a form you’ll be most likely to use.

Cash Back | Travel Rewards | Points | 0% APR

Best “Cash Back” Cards for Everyday Use

If there’s any type of reward sure to appeal to just about anyone, it’s probably cash back rewards. Cash back programs offer simple, straightforward rewards that you can typically redeem for statement credits, gift cards, or physical checks. Since these cards are effectively the same as getting a rebate on everything you purchase, they are a great choice for everyday cards.

To really make the most of your everyday card, you should select one with a rewards program that works best for your particular shopping habits. If you tend to do a lot of spending in certain popular categories, like gas or groceries, then you may fare best with a bonus category card. If your spending is more general, however, a flat-rate unlimited rewards card might be more lucrative overall. Explore our favorite cash back cards to explore both options.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good
Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent
Wells Fargo Cash Wise Visa® Card Review

at Wells Fargo'ssecure website

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good

+See More Cash Back Cards

If you choose to go with a card that offers bonus cash back in specific categories, be sure you understand the specifics of the program. Many bonus categories will have purchase maximums (e.g., only your first $1,500 in category purchases per quarter qualify for 5% cash back with the Chase Freedom card). After you hit the cap, you’ll typically earn unlimited 1% cash back on category purchases.

Some other things to look for when comparing cash back cards include the annual fee — the smaller the better, and zero is the best — any applicable expiration dates for your rewards, and if the card has cash back redemption minimums. Redemption methods may also vary by card; for example, Discover cardholders can redeem their cash back rewards directly toward an Amazon purchase during the Amazon checkout process.

Best “Travel Rewards” Cards for Everyday Use

For many of us, the everyday grind is all about getting to those few weeks of vacation that (hopefully) make it all worthwhile. You can get yourself a little closer — financially, that is — to that dream vacation every day with the right travel rewards credit card. With every dinner purchase, car fill-up, and utility payment, you could be earning miles or points that will get you out of the everyday and into the extraordinary.

As you compare travel rewards cards, you’ll need to make several choices, the first of which is whether you want a bank-branded or co-branded card. Cards that are co-branded with specific airlines or hotels, such as the Gold Delta SkyMiles® card from Amex, will limit your travel to that brand (and its partners). Bank-branded cards, like those on our list below, are more flexible, as they don’t limit you to specific brands or travel times.

AIR MILES RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.99% - 23.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
12.99% - 22.99% (Variable)
$0
Excellent, Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit

+See More Travel Rewards Cards

Although most travel rewards cards offer pretty decent earning rates, the easiest way to start traveling sooner is to choose an everyday card with a great signup bonus. These one-time bonuses, typically consisting of tens of thousands of points or miles, can often be enough for a free flight or hotel stay in and of themselves. The majority of credit card signup bonuses will require you to meet a specific spending requirement within a set period of time.

The most important thing to remember when it comes to signup bonuses is that you should never spend more than you can afford to repay simply to meet a signup bonus (or ever, really). The interest fees you’ll likely be charged for carrying a balance on your card can quickly cancel out any value you receive from the signup bonus. (High annual fees can have the same effect.)

Best “Points” Cards for Everyday Use

If you typically don’t travel enough to make a travel credit card worth having, but you’d still like the option to redeem your rewards for travel — or gift cards, merchandise, or once-in-a-lifetime experiences — then a points card may be for you. Points cards offer the most versatile rewards experience, providing a wide variety of redemption options, even cash back in most cases, making them a flexible everyday credit card option.

As with other rewards credit cards, the majority of points programs tend to be structured in one of two ways: unlimited flat-rate rewards, or bonus-category rewards. Selecting between the two types will come down to where you tend to make the most purchases, with common categories including everyday necessities, like gas and dining. Our expert-rated points cards include a variety of program types to start your search.

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95
Excellent Credit
Wells Fargo Propel American Express® Card Review

at Wells Fargo'ssecure website

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99%-25.99% (Variable)
$0
Excellent/Good
Discover it® Miles Review

at Discover Card'ssecure website

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
10.99% for 14 months
11.99% - 23.99% Variable
$0
Good/Excellent

+See More Points Cards

Potential cardholders who may wish to use their points for travel redemption should investigate potential travel partners before choosing a card. Many points programs, such as Chase’s Ultimate Rewards, will allow you to transfer and convert your points into loyalty rewards with popular travel brands. This will often give you a better per-point value than simply redeeming the points for a travel credit or cash back would provide.

Best “0% APR” Cards for Everyday Use

While credit card rewards, like cash back and points, can be, well, rewarding, they’re not the only way to get a little extra value out of your everyday card. A credit card with a robust 0% APR intro offer could be significantly more valuable to those who tend to carry a balance on their card month to month, providing 12 months or more of interest-free purchasing.

For the best of both worlds, look for a credit card offering both a solid intro APR offer and purchase rewards. Additionally, you can get even more value from your card by looking for one without an annual fee, starting with many of the options on our list of top-rated picks.

0% INTRO APR RATING

★★★★★
5.0

OVERALL RATING

4.7/5.0
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99%-24.74% Variable
$0
Excellent Credit
Wells Fargo Platinum Visa® Card Review

at Wells Fargo'ssecure website

0% INTRO APR RATING

★★★★★
5.0

OVERALL RATING

4.6/5.0
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.15%-25.99% (Variable)
$0
Excellent/Good

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0
Excellent/Good

+See More 0% APR Cards

It’s vital to understand one thing about your intro APR offer, however: no interest doesn’t mean no payments. Regardless of your interest rate, you’ll need to make at least your minimum required credit card payment by (but preferably before) your due date each month to avoid the fees and credit damage associated with late and missed payments.

You’ll also want to repay as much of your balance as you can before the intro period expires, as your APR will revert to its default value at the end of your intro term. Since the default purchase rate will likely be in the double-digits, the fees can add up quickly.

Save on Life’s Daily Necessities with the Right Card

Despite our species’ tendency to look forward to life’s biggest moments, truly making the most of life often means finding ways to enjoy the everyday experiences. And a big part of that is finding the right person to share them with. In the end, there is no perfect person — just the person perfect for you.

Similarly, making the most of your financial life will usually involve making smart financial decisions each and every day, which starts with selecting the right credit card for those everyday purchases. But just as there is no one-person-fits-all partner, the right credit card for you will depend on your individual habits and preferences.