The Ultimate Guide to Credit Cards
Thursday, December 8, 2022

12 Best Credit Cards for Everyday Use

Best Credit Cards For Everyday Use

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

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 cards for everyday use, this means choosing cards that reward you for the purchases you make most frequently, while also providing those rewards in a form you’ll be most likely to use. In the list below, we’ve compiled some of the cards that what we believe to be likely contenders to be perfect cards for a wide range of consumers, whether they are looking for cash back or travel rewards, points, or a 0% APR.

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

  • 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 18.74% - 27.49%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
18.74% - 27.49% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

  • 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 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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).
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
17.74% - 27.74% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (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). 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

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
Excellent/Good

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.7/5.0
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 26.99% (Variable)
$395
Excellent

+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

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.74% - 27.74% Variable
$550
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 26.74% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

  • 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®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.74% - 24.74% Variable
$95
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

★★★★★
4.9

OVERALL RATING

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 18.74% - 27.49% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 18 months
0% Intro APR on Balance Transfers 18 months
18.74% - 27.49% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

  • 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 18.74% - 27.49%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
18.74% - 27.49% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.