Skip to content
Go to Home Page
Credit Cards

Best credit cards for everyday spending in November 2024

By
Augusta Stone
Augusta Stone
Augusta Stone
Associate credit cards writer
Augusta Stone is an associate credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take fellow points and miles beginners with her on a journey toward maximizing rewards.
and
Christina Ly
Christina Ly
Christina Ly
Credit cards writer
Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in 2022.
•
Edited by
Daisy Hernandez
Daisy Hernandez
Daisy Hernandez
Credit cards editor
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories and multiple cards. Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
•
Reviewed by
Stanley Sanford
Stanley Sanford
Stanley Sanford
Compliance manager
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Nov. 05, 2024
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our  advertising policy and  product review methodology for more information.

Possibly the easiest way to earn rewards is to use one of the best credit cards for everyday spending instead of using your debit card or cash as your go-to form of payment. 

With so many options available, settling on one or two credit cards that will provide you with decent returns in the form of cash back, points or miles can be tough. Luckily, TPG’s expert editors have compiled this list of the best credit cards from our partners for everyday spending — including those with generous sign-up bonuses, simple cash-back structures and lucrative travel perks to enhance your next trip.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.

Browse by card categories

ANNUAL FEE
$695
$0
$695
Show Results (0)
Overwhelmed with credit card options?
Filter out the noise and simplify the research. We'll find your best match in minutes

Best for U.S. supermarkets and gas in the U.S.

Blue Cash Preferred® Card from American Express

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Blue Cash Preferred® Card from American Express
Apply now
for Blue Cash Preferred® Card from American Express
at American Express's secure site
Terms & restrictions apply.
See rates & fees.
6%6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
6%6% Cash Back on select U.S. streaming subscriptions
3%3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
3%3% Cash Back at U.S. gas stations
1%1% Cash Back on other purchases
Open Intro bonus
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Earn $250
$0 intro annual fee for the first year, then $95.
18.49%-29.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our review of the Amex Blue Cash Preferred.

Pros

  • Multiple bonus categories. earning for bonus category.
  • High earning rates on bonus categories.

Cons

  • Capped earning for bonus category.
  • Annual fee.
  • Foreign transaction fees.
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible 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% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
  • 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.
  • 3% Cash Back 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 or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
  • See Rates & Fees

Best for drugstores

Chase Freedom Unlimited®

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Chase Freedom Unlimited®
Apply now
for Chase Freedom Unlimited®
at Chase's secure site
5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.
Open Intro bonus
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 Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
19.99% - 28.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.

Pros

  • Multiple bonus categories.
  • No annual fee.
  • Incredible value when paired with a premium Chase card.

Cons

  • Limited card perks and benefits.
  • Foreign transaction fees.
  • 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 Travel℠, 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 travel purchased through Chase Travel℠, 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 19.99% - 28.74%.
  • 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, alerts, and more.
  • Member FDIC

Best for airline miles

Capital One Venture Rewards Credit Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
Apply for Capital One Venture Rewards Credit Card
Apply now
for Capital One Venture Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.
5 Miles5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 Miles2 Miles per dollar on every purchase, every day
Open Intro bonus
75,000 miles once you spend $4,000 on purchases within 3 months from account opening
75,000 miles
$95
19.99% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our review of the Capital One Venture Rewards Credit Card.

Pros

  • Simple earning structure.
  • Multiple transfer partners.
  • Flexible redemption options.

Cons

  • Lower transfer ratios for select partners.
  • Limited bonus categories.
  • No U.S. airline transfer partner.
  • 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
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 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 $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
Limited-Time Offer

Best for Amazon shoppers

Prime Visa

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
Apply for Prime Visa
Apply now
for Prime Visa
at Amazon's secure site
10%Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
5%Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
2%Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
1%Earn unlimited 1% back on all other purchases
Open Intro bonus
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $200 Amazon Gift Card
$0
19.99% - 28.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Prime Visa is a solid cash-back card for avid Amazon Prime shoppers. Cardholders with an eligible Prime membership qualify for unlimited 5% cash back when shopping at Amazon.com, Whole Foods, Audible and Chase Travel℠, a boost from the card’s standard 3% cash back (without Prime membership).

Cardholders also earn unlimited 2% cash back at restaurants, gas stations, on transit and 1% cash back on all other purchases. With the Prime Visa, you can redeem daily rewards at Amazon.com as soon as the next day or at Chase.com for cash back, gift cards or travel. You’ll also enjoy a list of travel and purchase protections, no annual fee, no foreign transaction fees, and an Amazon Gift Card instantly upon approval with an eligible Prime membership. If you’re a Prime loyalist, the Prime Visa may be one of the best store credit cards on the market.

Pros

  • Unlimited 5% cash back when shopping at Amazon.com, Whole Foods and Chase Travel with eligible Prime membership
  • Travel and purchase protections
  • No annual fee
  • No foreign transaction fees

Cons

  • Lower reward rates without eligible Amazon Prime membership
  • Financed purchases are not eligible for cash-back
  • Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Best for no-frills cash-back rewards

Citi Double Cash® Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Citi Double Cash® Card
Apply now
for Citi Double Cash® Card
at Citi's secure site
Terms & restrictions apply.
See rates & fees.
1%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.
5%Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Open Intro bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200 cash back
$0
18.49% - 28.49% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
580-850Excellent, Good, Fair

The Citi Double Cash Card caters to beginners establishing good credit habits, since users will earn 2% cash back; 1% when they buy and 1% when they pay their statement. The Citi Double Cash is a great pick for those looking for the utmost simplicity and want cash back in their pocket. Read our full review of the Citi Double Cash here.

Pros

  • Earning 2% back (1% when you buy and 1% when you pay your bill) on every purchase is an industry-leading return on everyday spending for a no-annual-fee credit card.
  • Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible.

Cons

  • Those looking to make a balance transfer will have to pay 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, 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).

Best for cash-back beginners

Blue Cash Everyday® Card from American Express

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
Apply for Blue Cash Everyday® Card from American Express
Apply now
for Blue Cash Everyday® Card from American Express
at American Express's secure site
Terms & restrictions apply.
See rates & fees.
3%3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%1% Cash Back on other purchases.
Open Intro bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
$0
18.49%-29.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 3% cash back at U.S. gas stations and U.S. online retail purchases
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
  • See Rates & Fees

Best for entertainment

Capital One Savor Cash Rewards Credit Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
Apply for Capital One Savor Cash Rewards Credit Card
Apply now
for Capital One Savor Cash Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.
8%8% Cash Back on Capital One Entertainment purchases
5%5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
1%1% Cash Back on all other purchases
Open Intro bonus
$250 Cash Back after you spend $500 on purchases within 3 months from account opening
$250 Cash Back
$0
19.74% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Capital One Savor is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.

Pros

  • Unlimited bonus cash back.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase.

Cons

  • Low cash-back on non-bonus earning categories.
  • Bonus rates on travel only apply through the Capital One portal.
  • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

Best for beginners

Chase Sapphire Preferred® Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
Apply for Chase Sapphire Preferred® Card
Apply now
for Chase Sapphire Preferred® Card
at Chase's secure site
5x5x on travel purchased through Chase Travel℠.
3x3x on dining, select streaming services and online groceries.
2x2x on all other travel purchases.
1x1x on all other purchases.
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$95
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.

Pros

  • Multiple bonus categories.
  • Valuable transfer partners.
  • Annual hotel statement credit.
  • Premium travel protection benefits.

Cons

  • Annual fee.
  • Subject to Chase’s 5/24 policy.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
  • Member FDIC

Best for automatic cash back statement credits

Synchrony Premier World Mastercard®

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
Apply for Synchrony Premier World Mastercard®
Apply now
for Synchrony Premier World Mastercard®
at Synchrony's secure site
2%2% cash back* on every purchase
no offer
$0
18.74% - 34.49% Variable APR as of October 1, 2024
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good to Excellent

The Synchrony Premier World Mastercard® is a solid cash back card with no annual fee and unlimited 2% cash back on all purchases. With the Synchrony Premier card, cash back is simplified, with all rewards automatically converted into statement credits with no minimum redemption threshold. The card does not offer a welcome bonus or introductory APR rates but does come with all the standardized perks of a World Mastercard.

Pros

  • Cash back takes the form of automatic statement credits
  • Flat 2% cash back rate means you earn rewards with every purchase
  • Uncapped cash back earning potential
  • No annual fee

Cons

  • Not ideal for those who want cash back redemption options
  • Charges a 3% foreign transaction fee
  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • No annual fee^
  • Zero Liability Protection
  • Secure online and mobile app account access
  • Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
  • Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
  • *2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, if the account is open and in good standing. See Rewards Terms for details. We reserve the right to modify features of the Cashback Program at any time.
  • ^NO ANNUAL FEE: New Accounts as of October 1, 2024: Variable Purchase APR 18.74%, 27.74%, or 34.49%. Variable Bal Trans APR 18.74%, 27.74%, or 34.49% and 4% Fee ($10 min). Variable Cash APR 21.74%, 30.74% or 37.49% and 5% Fee ($10 min). Variable Penalty APR 28.74%, 37.74% or 39.99%. Minimum Interest Charge is $2. Foreign transaction fee: 3%.

Best for everyday business expenses

The Blue Business® Plus Credit Card from American Express

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for The Blue Business® Plus Credit Card from American Express
Apply now
for The Blue Business® Plus Credit Card from American Express
at American Express's secure site
Terms & restrictions apply.
See rates & fees.
2XEarn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Open Intro bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 Membership Rewards® points
No annual fee
17.74% - 25.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Blue Business Plus is a great card for small business owners who want to earn lucrative Membership Rewards points on everyday business spending. It was created specifically for sole proprietorships and start-ups with limited revenue who would appreciate a card with an introductory interest rate and expanded buying power. Read our review of the Amex Blue Business Plus.

Pros

  • No annual fee.
  • Multiple transfer partners.
  • Travel and shopping protections.

Cons

  • Cap on bonus earning.
  • Limited bonus categories.
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.

Best for flat-rate cash-back

Capital One Quicksilver Cash Rewards Credit Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
Apply for Capital One Quicksilver Cash Rewards Credit Card
Apply now
for Capital One Quicksilver Cash Rewards Credit Card
at Capital One's secure site
Terms & restrictions apply.
See rates & fees.
5%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
1.5%Earn unlimited 1.5% cash back on every purchase, every day
Open Intro bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
$200
$0
19.74% - 29.74% (Variable)
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards. Read our full review of the Capital One Quicksilver Cash Rewards Credit Card.

Pros

  • Unlimited cash back on all purchases.
  • Simple earning structure.
  • No foreign transaction fees.
  • No annual fee.

Cons

  • Limited card perks and benefits.
  • Lack of bonus categories can limit earning potential.
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Best for business cash back

Ink Business Unlimited® Credit Card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for Ink Business Unlimited® Credit Card
Apply now
for Ink Business Unlimited® Credit Card
at Chase's secure site
1.5%Earn unlimited 1.5% cash back on every purchase made for your business
Open Intro bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
$0
17.99% - 23.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent

The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card and the Ink Business Preferred® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card and the Ink Business Preferred. Read our review of the Ink Business Unlimited Credit Card.

Pros

  • No annual fee
  • Unlimited cash back.
  • Great welcome bonus.
  • Incredible value when paired with a premium Chase card.

Cons

  • No bonus categories.
  • High spend needed for sign-up bonus.
  • No travel protection.
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Best for travel

Bank of America® Premium Rewards® credit card

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
Apply for Bank of America® Premium Rewards® credit card
Apply now
for Bank of America® Premium Rewards® credit card
at Bank of America's secure site
2XEarn unlimited 2 points for every $1 spent on travel and dining purchases.
1.5XEarn unlimited 1.5 points for every $1 spent on all other purchases.
Open Intro bonus
Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
60,000 points
$95
20.74% - 28.74% Variable APR on purchases and balance transfers
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

The Bank of America Premium Rewards card is great for using the points earned for rewards that normal airline miles or credit card points can’t cover. Bank of America Preferred Rewards® members get a 25%-75% rewards bonus on every purchase. New cardmembers earn a 60,000-point sign-up bonus after spending $4,000 in the first 90 days of account opening. Read our review of the Bank of America Premium Rewards card.

Pros

  • Annual airline incidental credit.
  • Global Entry/TSA PreCheck credit.
  • No foreign transaction fees.
  • Travel protections.

Cons

  • Few bonus categories.
  • More valuable if you are a Bank of America Preferred Rewards® member.
  • Low $95 annual fee.
  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • 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.

Comparing the best credit cards for everyday spending

Credit card
Best forIntro offerEarning rateAnnual fee
See details
Apply Now
Apply for Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
4
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at American Express's secure site
See rates & fees
U.S. supermarkets and gas in the U.S.
Earn $250
Open Intro bonus
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
1 - 6% cash-back
$0 intro annual fee for the first year, then $95.
See details
Apply Now
Apply for Chase Freedom Unlimited®
Chase Freedom Unlimited®
4
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Chase's secure site
drugstores
Up to $300 cash back
Open Intro bonus
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 Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
1.5 - 5% cash-back
$0
See details
Apply Now
Apply for Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
4.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Capital One's secure site
See rates & fees
airline miles
75,000 miles
Open Intro bonus
75,000 miles once you spend $4,000 on purchases within 3 months from account opening
2 - 5X miles
$95
Limited-Time Offer
See details
Apply Now
Apply for Prime Visa
Prime Visa
3.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Amazon's secure site
Amazon shoppers
Get a $200 Amazon Gift Card
Open Intro bonus
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
1 - 10% cash-back
$0
See details
Apply Now
Apply for Citi Double Cash® Card
Citi Double Cash® Card
4
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Citi's secure site
See rates & fees
no-frills cash-back rewards
$200 cash back
Open Intro bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
1 - 5% cash-back
$0