Top Cards for Everyday Spending
Choosing the right credit card for everyday spending can help you earn significant rewards on routine purchases. Whether you’re buying groceries, dining out, or making online purchases, the right card can make a huge difference. Here are my top picks for the best cards for everyday spending, each offering amazing rewards in various categories.
1. Chase Sapphire Preferred® Card
Why I Love this Card for Everyday Spending: The Chase Sapphire Preferred® Card is a versatile card that offers excellent rewards on dining and groceries, making it a fantastic choice for everyday spending!
Welcome Bonus and Minimum Spend: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when redeemed through Chase Travel℠, and even more if you transfer the points to Chase’s multiple airline and hotel partners.
Annual Fee: $95
Point Bonuses:
3x points on dining, including eligible delivery services, takeout, and dining out
3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
5x points on travel purchased through Chase Travel℠
2x points on all other travel purchases
1x point per dollar spent on all other purchases
2. American Express® Gold Card
Why I Love this Card for Everyday Spending: The American Express® Gold Card is perfect for those who spend a lot on food (who’s with me on that one??) With high rewards on both dining and groceries, it’s an excellent choice for maximizing everyday spending.
Welcome Bonus and Minimum Spend: Earn 60,000 Membership Rewards® points and up to $100 back in statement credits after you spend $6,000 on eligible purchases with your new card within the first 6 months.
Annual Fee: $325 (see rates and fee)
Bonus Categories:
4x points at restaurants, including takeout and delivery in the U.S. (on up to $50,000 in annual spending)
4x points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x)
3x points on flights booked directly with airlines or on amextravel.com
1x point on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
3. Blue Cash Preferred® Card from American Express
Why I Love this Card for Everyday Spending: The Blue Cash Preferred® Card from American Express is ideal for earning cash back on everyday purchases, especially groceries. It offers some of the highest cash back rates available, making it another top pick for everyday spending.
Welcome Bonus and Minimum Spend: Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months.
Annual Fee: $0 intro annual fee for the first year, then $95 (see rates and fee)
Point Bonuses:
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, 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.)
6% cash back on select U.S. streaming subscriptions (Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses, and more) (Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
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.)
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
4. Capital One Venture Rewards Credit Card
Why I Love this Card for Everyday Spending: Capital One Venture Rewards Credit Card is perfect for those who prefer simplicity and flexibility. It offers a flat-rate earning on all purchases, making it easy to rack up miles without tracking spending categories.
Welcome Bonus and Minimum Spend: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.
Annual Fee: $95
Point Bonuses:
2x miles per dollar on every purchase, every day
5x miles on hotels and rental cars booked through Capital One Travel
Final Thoughts
Selecting the right credit card for everyday spending can help you maximize rewards and save money on your daily expenses. These cards are perfect for those who want to earn a generous sign-up bonus for travel and continue accumulating points on everyday spending, making them valuable long-term companions in your wallet. As always, consider your spending habits to choose the card that best suits your needs, and start earning rewards on every purchase to save tons of money on travel!
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.