Best Credit Cards for
Everyday Spending
We've analyzed our database of premium cards to find the top picks for everyday spending.
#1
Bilt
Bilt Mastercard® Palladium
Earns on Everyday Spending
2x
Annual Fee
$495
Points value
2.2¢/pt
Effective value
4.4%
Total Credits
$1,116/yr
Bilt Travel Hotel Credit • Annual Bilt Cash • Welcome Bonus • Lyft Credit • Peacock Credit • Instacart+ Monthly Credit
#2
American Express
Blue Business® Plus Credit Card
Earns on Everyday Spending
2x
Annual Fee
$0
Points value
2¢/pt
Effective value
4%
#3
Capital One
Capital One Venture Business
Earns on Everyday Spending
2x
Annual Fee
$95
Points value
1.85¢/pt
Effective value
3.7%
Total Credits
$170/yr
TSA PreCheck/Global Entry • Capital One Business Travel Credit
#4
Capital One
Capital One Venture X
Earns on Everyday Spending
2x
Annual Fee
$395
Points value
1.85¢/pt
Effective value
3.7%
Total Credits
$520/yr
Capital One Travel Credit • Anniversary Bonus Miles • TSA PreCheck/Global Entry
#5
Capital One
Capital One Venture X Business
Earns on Everyday Spending
2x
Annual Fee
$395
Points value
1.85¢/pt
Effective value
3.7%
Total Credits
$520/yr
Travel Credit • Anniversary Bonus Miles • TSA PreCheck/Global Entry
#6
Capital One
Venture® Credit Card
Earns on Everyday Spending
2x
Annual Fee
$95
Points value
1.85¢/pt
Effective value
3.7%
Total Credits
$120/yr
TSA PreCheck/Global Entry
#7
Robinhood
Robinhood Gold Card
Earns on Everyday Spending
3%
Annual Fee
$0
Effective value
3% cash
#8
Capital One
Capital One Spark Cash Plus
Earns on Everyday Spending
2%
Annual Fee
$150
Effective value
2% cash
#9
Synchrony Bank
CareCredit Rewards Mastercard®
Earns on Everyday Spending
2x
Annual Fee
$0
Effective value
2x cash
#10
Citi
Citi Double Cash® Card
Earns on Everyday Spending
2%
Annual Fee
$0
Effective value
2% cash
#11
FAIRWINDS Credit Union
FAIRWINDS Visa Signature® Credit Card
Earns on Everyday Spending
2x
Annual Fee
$95
Effective value
2x cash
#12
Elan Financial Services
Fidelity® Rewards Visa Signature® Card
Earns on Everyday Spending
2x
Annual Fee
$0
Effective value
2x cash
Total Credits
$100/yr
Global Entry / TSA PreCheck Credit
#13
American Express
Graphite™ Business Cash Unlimited Card
Earns on Everyday Spending
2%
Annual Fee
$295
Effective value
2% cash
#14
Chase
Ink Business Premier® Credit Card
Earns on Everyday Spending
2x
Annual Fee
$195
Effective value
2x cash
#15
TD Bank
TD Double Up℠ Credit Card
Earns on Everyday Spending
2x
Annual Fee
$0
Effective value
2x cash
#16
U.S. Bank
U.S. Bank Smartly™ Visa Signature® Card
Earns on Everyday Spending
2x
Annual Fee
$0
Effective value
2x cash
#17
Navy Federal Credit Union
Visa Signature® Flagship Travel Rewards Credit Card
Earns on Everyday Spending
2x
Annual Fee
$49
Effective value
2x cash
Total Credits
$259/yr
Amazon Prime Annual Membership Credit • Global Entry / TSA PreCheck Credit
#18
Wells Fargo
Wells Fargo Active Cash® Card
Earns on Everyday Spending
2%
Annual Fee
$0
Effective value
2% cash
#19
American Express
Hilton Honors American Express Aspire Card
Earns on Everyday Spending
3x
Annual Fee
$550
Points value
0.5¢/pt
Effective value
1.5%
Total Credits
$909/yr
Hilton Resort Credit • Flight Credit • CLEAR Plus Credit • Waldorf Astoria & Conrad Property Credit
#20
American Express
Hilton Honors American Express Business Card
Earns on Everyday Spending
3x
Annual Fee
$195
Points value
0.5¢/pt
Effective value
1.5%
Total Credits
$240/yr
Hilton Credit
#21
American Express
Hilton Honors American Express Card
Earns on Everyday Spending
3x
Annual Fee
$0
Points value
0.5¢/pt
Effective value
1.5%
#22
American Express
Hilton Honors American Express Surpass® Card
Earns on Everyday Spending
3x
Annual Fee
$150
Points value
0.5¢/pt
Effective value
1.5%
Total Credits
$200/yr
Hilton Credit
#23
Chase
IHG One Rewards Premier Business Credit Card
Earns on Everyday Spending
3x
Annual Fee
$99
Points value
0.5¢/pt
Effective value
1.5%
Total Credits
$170/yr
United TravelBank Credit • TSA PreCheck/Global Entry/NEXUS
#24
Chase
IHG One Rewards Premier Credit Card
Earns on Everyday Spending
3x
Annual Fee
$99
Points value
0.5¢/pt
Effective value
1.5%
Total Credits
$170/yr
TSA PreCheck/Global Entry/NEXUS • United TravelBank Credit
#25
American Express
Marriott Bonvoy Bevy™ American Express® Card
Earns on Everyday Spending
2x
Annual Fee
$250
Points value
0.7¢/pt
Effective value
1.4%
#26
Chase
Marriott Bonvoy Boundless® Credit Card
Earns on Everyday Spending
2x
Annual Fee
$95
Points value
0.7¢/pt
Effective value
1.4%
Total Credits
$100/yr
Airline Credit
#27
Chase
Marriott Bonvoy Bountiful® Credit Card
Earns on Everyday Spending
2x
Annual Fee
$250
Points value
0.7¢/pt
Effective value
1.4%
#28
American Express
Marriott Bonvoy Brilliant® American Express® Card
Earns on Everyday Spending
2x
Annual Fee
$650
Points value
0.7¢/pt
Effective value
1.4%
Total Credits
$520/yr
Dining Credit • Marriott Bonvoy Property Credit • TSA PreCheck/Global Entry
#29
Chase
The Ritz-Carlton™ Credit Card
Earns on Everyday Spending
2x
Annual Fee
$450
Points value
0.7¢/pt
Effective value
1.4%
Total Credits
$300/yr
Airline Incidental Credit
#30
Chase
IHG One Rewards Traveler Credit Card
Earns on Everyday Spending
2x
Annual Fee
$0
Points value
0.5¢/pt
Effective value
1%