{"id":21087,"date":"2025-01-14T18:00:31","date_gmt":"2025-01-14T18:00:31","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=21087"},"modified":"2026-04-08T14:07:56","modified_gmt":"2026-04-08T14:07:56","slug":"best-everyday-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-everyday-credit-card\/","title":{"rendered":"Best Credit Cards for Everyday Purchases: Maximize Your Non-Bonus Spend in 2026"},"content":{"rendered":"<p>As points and miles collectors, we devote a lot of time to finding <a target=\"_blank\" href=\"\/credit-cards\/best-cards-for-bonus-spending-categories\/\" rel=\"noopener\">the perfect card for every purchase<\/a>. We frequently discuss the importance of holding credit cards focused on what you spend the most money on. That could be <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-dining\/\" rel=\"noopener\">restaurants<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-travel\/\" rel=\"noopener\">traveling<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/best-card-for-office-supplies-wireless-providers\/\" rel=\"noopener\">office supply stores<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-groceries\/\" rel=\"noopener\">groceries<\/a>, or anything else you spend a lot of money on!<\/p>\n<p>But most travelers don't have dozens of cards to handle lots of different spending categories. Also, not every purchase fits neatly into a specific bonus category. For these situations, having a solid card for everyday purchases is critical.<\/p>\n<p>Like any other category, the &#8220;best&#8221; card for everyday purchases is different for each person. It depends on your travel goals and preferences. However, there are certainly a few clear-cut leaders in the credit card space, and we'll focus on those throughout this article.<\/p>\n<p>Let's look at the cards that you'll want to reach for when you are\u00a0not:<\/p>\n<ul>\n<li>Going for the <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">minimum spend for a sign-up bonus on a new card<\/a>.<\/li>\n<li>Working towards a spending threshold for <a target=\"_blank\" href=\"\/airlines\/how-to-get-elite-status-without-flying\/\" rel=\"noopener\">elite status<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/hotels\/free-night-certificates\/\" rel=\"noopener\">free nights<\/a>, etc.<\/li>\n<li>Collecting a specific rewards currency to <a target=\"_blank\" href=\"\/travel\/achieve-your-travel-goals-with-points-and-miles\/\" rel=\"noopener\">reach a travel goal<\/a>.<\/li>\n<\/ul>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Our_Pick_The_Best_Credit_Card_for_Everyday_Use\">Our Pick: The Best Credit Card for Everyday Use<\/a><\/li><li><a href=\"#Best_No-Annual-Fee_Credit_Card_for_Everyday_Purchases\">Best No-Annual-Fee Credit Card for Everyday Purchases<\/a><\/li><li><a href=\"#Best_Cash-Back_Card_for_Leveraging_Your_Savings\">Best Cash-Back Card for Leveraging Your Savings<\/a><\/li><li><a href=\"#Best_Card_for_Travel_Statement_Credits\">Best Card for Travel Statement Credits<\/a><\/li><li><a href=\"#Best_Everyday_Purchase_Card_To_Complement_Another\">Best Everyday Purchase Card To Complement Another<\/a><\/li><li><a href=\"#Best_Business_Credit_Card_for_Everyday_Purchases\">Best Business Credit Card for Everyday Purchases<\/a><\/li><li><a href=\"#Best_Credit_Card_for_Everyday_Purchases_in_the_First_Year\">Best Credit Card for Everyday Purchases in the First Year<\/a><\/li><li><a href=\"#The_17_Best_Rewards_Credit_Cards_for_Everyday_Purchases\">The 17 Best Rewards Credit Cards for Everyday Purchases<\/a><\/li><li><a href=\"#Cards_That_Almost_Made_the_List\">Cards That Almost Made the List<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Our_Pick_The_Best_Credit_Card_for_Everyday_Use\">Our Pick: The Best Credit Card for Everyday Use<\/span><\/h2>\n<p>For most points and miles collectors, either a <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a> or <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a> is going to be the best choice for everyday spend. Both of these cards earn 2X <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/\" rel=\"noopener\">Capital One miles<\/a> on every purchase.<\/p>\n<p>Which Venture card you select comes down to which other benefits you want from the card \u2014 and how much you're willing to pay for the card's annual fee.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006151\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Venture Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/dfed8cb4-d376-4c8b-aed4-1997afa3d66a.png\" width=\"150\" alt=\"Capital One Venture Rewards Credit Card\" class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"3006151\" class=\"btn-use qs-how-apply\" title='Capital One Venture Rewards Credit Card' href=\"\/blog\/link\/CR-COV\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a $250 Capital One Travel credit in your first cardholder year. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Venture Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a $250 Capital One Travel credit in your first cardholder year. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn at least 2X miles on every purchase provides a decent return on spending. Plus the card offers some great perks.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a $250 Capital One Travel credit in your first cardholder year<\/li>\r\n<li>5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n<li>2X miles on all other purchase<\/li>\r\n<li>Fee credit for Global Entry or TSA Pre\u2714<sup>\u00ae<\/sup> (up to $120)<\/li>\r\n \t<li>No foreign transaction fees<\/li>\r\n \t<li>$95 annual fee<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment <\/li>\r\n<li>5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n<li>2X miles per dollar on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/Venture\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture<\/a> charges a modest $95 annual fee. And it provides a <a target=\"_blank\" href=\"\/travel\/tsa-precheck\/\" rel=\"noopener\">Global Entry or TSA PreCheck application fee reimbursement<\/a> every four years. Plus, new cardholders can earn a 75,000-mile bonus once you spend $4,000 on purchases within the first 3 months of account opening.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048272\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Venture X Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048272\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Venture X Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$395<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Venture X Rewards Credit Card is a premium travel-focused card, stacked with benefits. Cardholders get complimentary access to Capital One Lounge and Landing locations and participating Priority Pass\u2122 lounges (after enrollment), receive up to a $300 annual travel credit for bookings via Capital One Travel and up to a $120 credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup>. There's also an anniversary bonus of 10,000 miles, equivalent to $100 towards travel. High earning rates include 10X miles on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Travel, plus 2X on all other purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureX\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X<\/a> charges a much steeper $395 annual fee. But you'll gain a <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-x-travel-credit\/\" rel=\"noopener\">$300 annual travel credit<\/a>, <a target=\"_blank\" href=\"\/travel\/priority-pass-lounges-guide\/\" rel=\"noopener\">Priority Pass\u2122 Select lounge membership<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-x-benefits\/\" rel=\"noopener\">Hertz President's Circle elite status<\/a>, and unlimited access to <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-airport-lounges\/\" rel=\"noopener\">Capital One Lounges and Capital One Landings<\/a>. Plus, cardholders get a 10,000-mile bonus on each account anniversary, which is worth a minimum of $100.<\/p>\n<p>For even occasional travelers, the <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X<\/a> is going to be the best option, provided you can front the annual fee and fully utilize the travel credit each year. If so, this card easily pays for itself.<\/p>\n<p>New <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X<\/a> cardholders can earn a 75,000-mile bonus when you spend $4,000 on purchases in the first 3 months from account opening.<\/p>\n<p>The real benefit of using the <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X<\/a> or <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture<\/a> is the flexibility it provides for redemptions. You can <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/use-venture-miles\/\" rel=\"noopener\">redeem Capital One miles for 1\u00a2 each against any travel purchases<\/a> made in the past 90 days. You may find better value when you <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">transfer miles to 22 different travel partners<\/a>. Smart cardholders can use these partner programs to get outstanding value from their miles.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/share-capital-one-miles-another-person\/\" rel=\"noopener\">How To Share Capital One Venture and Spark Miles with Anyone<\/a><\/strong><\/p>\n<h2><span id=\"Best_No-Annual-Fee_Credit_Card_for_Everyday_Purchases\">Best No-Annual-Fee Credit Card for Everyday Purchases<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"4028098\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 15,000 Membership Rewards&#xAE; points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%<\/li><li>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.<\/li><li>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.<\/li><li>No Annual Fee<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>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.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/AmexBlueBizPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>For points collectors looking to avoid an annual fee, <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> is the best card for everyday purchases. This is due to its ability to earn 2X <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Membership Rewards<\/a> points on the first $50,000 in purchases each calendar year (then it drops to 1x).<\/p>\n<p>Even if you value Membership Rewards at a conservative 1.7-1.8\u00a2 per point, that represents a phenomenal 3.4-3.6% return on every dollar spent on this card. The lack of an annual fee makes it a powerhouse card  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)!<\/p>\n<p>The one downside is that the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a> is \u2014 as the name implies \u2014 a business card. Consequently, not everyone will qualify to get one. That said, <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">you might be surprised at what qualifies as a business<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">Full Review of the Blue Business Plus<\/a><\/strong><\/p>\n<h2><span id=\"Best_Cash-Back_Card_for_Leveraging_Your_Savings\">Best Cash-Back Card for Leveraging Your Savings<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"4048119\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/f76cdf93-6505-48d4-a16a-fa2a958cb9cd.png\" width=\"150\" alt=\"Bank of America\u00ae Premium Rewards\u00ae credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048119\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/premium-rewards-credit-card\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> 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.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card is a mid-tier travel credit card with a $95 annual fee. Cardholders earn 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. Key benefits include TSA PreCheck or Global Entry credits up to $100 every four years, up to $100 in annual credits for airline incidentals, and a range of travel protection benefits.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2 points for every $1 spent on travel and dining purchases<\/li> <li>1.5 points per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n<i>Preferred Rewards members earn a 25%-75% rewards bonus on every purchase. <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" =_blank>Learn more about Preferred Rewards<\/a><\/i><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOAPremium\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4048119\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/premium-rewards-credit-card\/\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/a> is an underrated card in the world of points and miles. That's because it offers the ability to earn the highest ongoing cash-back rate on everyday purchases of almost any card available: <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/maximize-unlimited-cash-card-preferred-rewards\/\" rel=\"noopener\">2.625% cash back on everyday purchases<\/a>!<\/p>\n<p>Although the <a data-ccid=\"4048119\" href=\"\/blog\/link\/CR-BankofAmericaPremiumRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Premium Rewards Card<\/a> has the word &#8220;<a target=\"_blank\" href=\"\/credit-cards\/best-premium-travel-credit-card\/\" rel=\"noopener\">Premium<\/a>&#8221; in its name, it does not charge an expensive annual fee. In reality, it falls snugly into the mid-tier rewards card arena, charging a modest $95 annual fee.<\/p>\n<p>At first glance, the benefits are what you'd expect for a card at that price range. It earns 2X points on travel and dining purchases, 1.5X on everything else, and comes with a 60,000-point sign-up bonus after you make at least $4,000 in purchases in the first 90 days of account opening. Points are worth a fixed 1\u00a2 apiece as cash back.<\/p>\n<p>With that said, the earning potential of this card jumps when you hold assets with Bank of America. The bank provides additional credit card rewards for its banking clients by offering higher benefits for more assets through the <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Bank of America Preferred Rewards program<\/a>.<\/p>\n<p>If you have $100,000 or more in assets with Bank of America or Merrill Lynch, the rewards earned on your <a data-ccid=\"4048119\" href=\"\/blog\/link\/CR-BankofAmericaPremiumRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Premium Rewards Card<\/a> get a 75% boost. That translates into earning 3.5% cash back on travel and dining, plus an unmatched 2.625% cash back on everything else.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/premium-rewards-credit-card\/\" rel=\"noopener\">Bank of America Premium Rewards Card Review<\/a><\/strong><\/p>\n<h2><span id=\"Best_Card_for_Travel_Statement_Credits\">Best Card for Travel Statement Credits<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"4048272\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Venture X Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048272\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Venture X Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$395<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Venture X Rewards Credit Card is a premium travel-focused card, stacked with benefits. Cardholders get complimentary access to Capital One Lounge and Landing locations and participating Priority Pass\u2122 lounges (after enrollment), receive up to a $300 annual travel credit for bookings via Capital One Travel and up to a $120 credit for Global Entry or TSA PreCheck<sup>\u00ae<\/sup>. There's also an anniversary bonus of 10,000 miles, equivalent to $100 towards travel. High earning rates include 10X miles on hotels and rental cars and 5X on flights and vacation rentals booked through Capital One Travel, plus 2X on all other purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureX\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Cards that allow you to redeem rewards for a statement credit are a tiny but mighty <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">sub-category of credit card rewards<\/a>. They combine the best of both cash-back- and point-earning worlds, allowing cardmembers to cut out-of-pocket travel expenses even more than one or the other.<\/p>\n<p>The obvious front runners in this category are \u2014 once again \u2014 the <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a> and <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a> cards. Both cards earn 2X miles on every purchase. And cardholders can <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/use-venture-miles\/\" rel=\"noopener\">redeem Capital One miles for 1\u00a2 each against any travel purchases made with the card<\/a>. Alternatively, you can redeem miles directly when booking through the <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Travel portal<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Why You Should Never Redeem Capital One Miles Through Capital One Travel<\/a><\/strong><\/p>\n<h2><span id=\"Best_Everyday_Purchase_Card_To_Complement_Another\">Best Everyday Purchase Card To Complement Another<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>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.<\/li>\r\n<li>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).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) provides a solid 2% return on every purchase \u2014 1% cash back at purchase, and 1% at payment. This card <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/double-cash-changes-2022\/\" rel=\"noopener\">earns Citi ThankYou<sup>\u00ae<\/sup> Points<\/a>. These points can be cashed out at 1\u00a2 apiece, so you can get 2% cash back as a base. But you can also transfer the points earned through the Citi Double Cash to three airline transfer partners.<\/p>\n<p>The best option for this card is to pair it with a <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-rewards-card-combo\/\" rel=\"noopener\">ThankYou<sup>\u00ae<\/sup> Point-earning card<\/a>, such as the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). By linking the ThankYou<sup>\u00ae<\/sup> Points earned by these cards, the Citi Double Cash effectively earns unlimited fully transferrable 2X ThankYou<sup>\u00ae<\/sup> Points on every purchase. Those points can then be transferred to any one of 21 <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> transfer partners<\/a>.<\/p>\n<p>With $0 annual fee, this makes the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<\/a> the most effective sidekick in credit card rewards.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">Full Review of the Citi Double Cash<\/a><\/strong><\/p>\n<h2><span id=\"Best_Business_Credit_Card_for_Everyday_Purchases\">Best Business Credit Card for Everyday Purchases<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"5048345\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Venture X Business<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CardArt-CapitalOneVentureXRewardsBusiness.png\" width=\"150\" alt=\"Capital One Venture X Business\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"5048345\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Business' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Venture X Business<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$395<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Venture X Business is a premium business card earning 2X miles on every purchase, with enhanced earning rates of 5X on flights and 10X on hotels and rental cars booked through Capital One Business Travel. One of the standout features is the $300 annual travel credit for bookings made via Capital One Business Travel, accompanied by an annual bonus of 10,000 miles from the first anniversary. Additional benefits include a credit of up to $120 for Global Entry or TSA PreCheck<sup>\u00ae<\/sup>, access to Capital One Lounge and Landing locations and participating Priority Pass\u2122 lounges (after enrollment), and the ability to transfer miles to over 15 travel loyalty programs.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Business Travel<\/li>\r\n<li>2X miles per $1 on other eligible purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/VentureXBiz\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>Earning extra miles in bonus categories is great; so is earning a quality amount of miles on everyday purchases. With the <a data-ccid=\"5048345\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" rel=\"noopener nofollow sponsored\">Capital One Venture X Business<\/a>, you'll get both for your business.<\/p>\n<p>The card has a $395 annual fee and earns 10X miles on hotels and rental cars booked through Capital One Business Travel, 5X miles on flights and vacation rentals booked through Capital One Business Travel, and 2X miles on all other purchases. You can use your miles to offset recent travel purchases, redeem as cash back, book travel via Capital One Business Travel, or transfer to 22 airline and hotel partners. Using these transfer partners is where you can get the most value, <a target=\"_blank\" href=\"\/point-mile-values\/Capital+One\" rel=\"noopener\">averaging 2.04\u00a2 per mile in recent redemptions<\/a>.<\/p>\n<p>To offset the card's annual fee, you'll get extra perks like lounge access to Capital One Lounges, 10,000 anniversary bonus miles, as well as a $300 annual travel credit.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-x-business\/\" rel=\"noopener\">Venture X Business Full Review<\/a><\/strong><\/p>\n<h2><span id=\"Best_Credit_Card_for_Everyday_Purchases_in_the_First_Year\">Best Credit Card for Everyday Purchases in the First Year<\/span><\/h2>\n<p><div class=\"qs-card\" data-id=\"3004042\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Miles<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/10\/CardArt-DiscoverItMiles.png\" width=\"150\" alt=\"Discover it\u00ae Miles\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3004042\" href=\"https:\/\/awardwallet.com\/credit-cards\/discover-it-miles-review\/\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nDiscover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Discover it<sup>\u00ae<\/sup> Miles<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nDiscover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    \n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DiscoverMiles\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-14923edb81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"3004042\" href=\"https:\/\/awardwallet.com\/credit-cards\/discover-it-miles-review\/\">Discover it<sup>\u00ae<\/sup> Miles<\/a> card stands out as providing lots of value in its first year. This card offers 1.5X points (worth 1\u00a2 apiece as cash back) on every purchase. However, at the end of your first year of card membership, Discover will match every point you've earned during the previous year. This effectively makes it a 3% cash-back card for the first year. That's an excellent return from a card charging no annual fee.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/discover-it-miles-review\/\" rel=\"noopener\">Discover it Miles Card Review<\/a><\/strong><\/p>\n<h2><span id=\"The_17_Best_Rewards_Credit_Cards_for_Everyday_Purchases\">The 17 Best Rewards Credit Cards for Everyday Purchases<\/span><\/h2>\n<p>We've covered a lot of cards already. But here's a table plotting 17 of the best cards for everyday spending next to each other. We drew the line for qualification at potential returns of 2% returns or above:<\/p>\n<p>\n<table id=\"tablepress-146\" class=\"tablepress tablepress-id-146 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Credit Card<\/th><th class=\"column-2\">Points Earned on Everyday Purchases<\/th><th class=\"column-3\">Other Bonus Categories<\/th><th class=\"column-4\">Annual Fee<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" rel=\"noopener nofollow sponsored\">The American Express Blue Business Cash\u2122 Card<\/a><\/td><td class=\"column-2\">Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">No annual fee (<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><strong>Amex EveryDay<sup>\u00ae<\/sup> Preferred Credit Card<\/strong> (no longer open to new applicants)<\/td><td class=\"column-2\">1 point on all non-bonused purchases.<br \/>\n<br \/>\nUse your card 30 or more times on purchases in a billing period and earn 50% extra points on purchases less returns and credits.<\/td><td class=\"column-3\">3X points at US supermarkets on up to $6,000 per year<br \/>\n2X points at US gas stations<\/td><td class=\"column-4\">$95 <\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048119\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/premium-rewards-credit-card\/\">Bank of America<sup>\u00ae<\/sup> Premium Rewards<sup>\u00ae<\/sup> credit card<\/a><\/td><td class=\"column-2\">1.5X points on non-bonus purchases. Earn up to 2.625X points if you have $100k+ in qualifying savings with Bank of America.<\/td><td class=\"column-3\">2X points on travel and dining. Earn up to 3.5X points if you have $100k+ in qualifying savings with Bank of America.<\/td><td class=\"column-4\">$95<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a><\/td><td class=\"column-2\">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.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">No annual fee  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a data-ccid=\"4048264\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\">Capital One Spark Cash Plus<\/a><\/td><td class=\"column-2\">2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Business Travel<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$150<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006149\" href=\"https:\/\/awardwallet.com\/blog\/cards\/SparkMiles\">Capital One Spark Miles for Business<\/a><\/td><td class=\"column-2\">2 Miles per $1 on every purchase, everywhere. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel.<\/td><td class=\"column-3\">5X miles on hotels, vacation rentals and rental car bookings through Capital One Business Travel<\/td><td class=\"column-4\">$0 introductory fee for the first year; $95 after that<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/blog\/cards\/Venture\">Capital One Venture Rewards Credit Card<\/a><\/td><td class=\"column-2\">2 miles per dollar on every purchase, every day.<\/td><td class=\"column-3\">2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.<\/td><td class=\"column-4\">$95<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/blog\/cards\/VentureX\">Capital One Venture X Rewards Credit Card<\/a><\/td><td class=\"column-2\">2 miles per dollar on every purchase, every day.<\/td><td class=\"column-3\">10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals booked through Capital One Travel, and 2X miles on other eligible purchases<\/td><td class=\"column-4\">$395<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a data-ccid=\"5048345\" href=\"https:\/\/awardwallet.com\/blog\/cards\/VentureXBiz\/\">Capital One Venture X Business<\/a><\/td><td class=\"column-2\">2 Miles per dollar on every purchase<\/td><td class=\"column-3\">10X miles on hotels and rental cars booked through Capital One Business Travel, 5X miles on flights and vacation rentals booked through Capital One Business Travel, and 2X miles on all other purchases<\/td><td class=\"column-4\">$395<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0ce10cd1aaaa3cc07ce6609aeb4821e81&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">1.5% on all other purchases cash back on all purchases<\/td><td class=\"column-3\">5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"3004042\" href=\"https:\/\/awardwallet.com\/blog\/cards\/DiscoverMiles\">Discover it<sup>\u00ae<\/sup> Miles<\/a><\/td><td class=\"column-2\">1.5 Miles per dollar on all purchases. Discover will match all the Miles you've earned at the end of your first year<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><b>Fidelity<sup>\u00ae<\/sup> Rewards Visa Signature<sup>\u00ae<\/sup> Card<\/b><\/td><td class=\"column-2\">Earn 2% cash back on card purchases.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4028102\" href=\"\/blog\/link\/HiltonHonorsBusinessCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Hilton Honors American Express Business Card<\/a>(<a data-ccid=\"4028102\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-american-express-business-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.<\/td><td class=\"column-3\">Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.<\/td><td class=\"column-4\">$195<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><a data-ccid=\"6\" href=\"https:\/\/awardwallet.com\/credit-cards\/us-bank-altitude-reserve-card\/\" =_blank> U.S. Bank Altitude\u2122 Reserve Visa Infinite<sup>\u00ae<\/sup> Card<\/a> (no longer open to new applicants)<\/td><td class=\"column-2\">3X points on eligible mobile wallet purchases using Apple Pay<sup>\u00ae<\/sup>, Google Pay\u2122 and Samsung Pay<\/td><td class=\"column-3\">5X points prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3X on eligible travel purchases and mobile wallet spending, and 1X on all other purchases<\/td><td class=\"column-4\">$400<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\"><a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/blog\/cards\/ActiveCash\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-2\">Earn unlimited 2% cash rewards on purchases.<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>To make a long story short, the best card for everyday purchases is tied directly to your current travel goals. If you plan on transferring <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">flexible points<\/a> to airlines for premium cabin award travel, <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">American Express Membership Rewards points<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One miles<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">Chase Ultimate Rewards points<\/a>, or <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/a> are likely to get you there a lot faster than earning cash back.<\/p>\n<p>On the other hand, if you\u2019re banking fixed-value points or cash back for miscellaneous travel expenses, cards like the <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture<\/a> or <a data-ccid=\"4048119\" href=\"\/blog\/link\/CR-BankofAmericaPremiumRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Premium Rewards Card<\/a> can provide a higher rate of return. You can then use these rewards to pay for travel where redeeming points upfront isn't an option \u2014 such as that nice bed & breakfast that's not part of a rewards program.<\/p>\n<p>Card choice also depends on your level of experience in the points and miles world. Experienced award travelers who are familiar with flexible award currencies can regularly leverage points for higher values. However, those just starting may achieve better returns on everyday purchases with a flat 2% cash-back card than a card earning flexible points.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/point-mile-values\" rel=\"noopener\">Point and Mile Values<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Almost_Made_the_List\">Cards That Almost Made the List<\/span><\/h2>\n<p>Several cards typically feature on &#8220;best card for non-bonus spend&#8221; and &#8220;best credit card for everyday spending&#8221; lists, though we\u2019ve deliberately not included them here. Here are the cards and our reasoning:<\/p>\n<ul>\n<li><strong>Rotating bonus category cards like the <a data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Discover it<sup>\u00ae<\/sup> Cash Back<\/a> and <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a>: <\/strong>While the return on bonus categories can be as high as 5%\u201310%, these cards earn 1% on everyday, non-bonused purchases.<\/li>\n<li><strong>Co-branded airline cards like the <a data-ccid=\"4048132\" href=\"https:\/\/awardwallet.com\/credit-cards\/alaska-atmos-rewards\/alaska-airlines-credit-card\/\">Atmos\u2122 Rewards Ascent Visa Signature<sup>\u00ae<\/sup> card<\/a>: <\/strong>Experienced award travelers can achieve <a target=\"_blank\" href=\"\/travel\/award-program-sweet-spots\/\" rel=\"noopener\">huge returns on Alaska miles<\/a> when redeemed for first- or business-class flights. However, not all travelers are going to have the knowledge required to consistently earn more than 2% back on daily spending.<\/li>\n<li><strong>Co-branded personal hotel cards like the <a data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/a>: <\/strong>This card earns 3X points on non-bonus purchases, giving the appearance of a high net return on your spend. But most folks know that all points don't have equal value. <a target=\"_blank\" href=\"\/point-mile-values\/Hilton\" rel=\"noopener\">AwardWallet users redeem Hilton Honors points at 0.59\u00a2 each<\/a>, on average, returning less than the 2% threshold we\u2019d consider a good return on everyday purchases.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"\/\/cdn.nextinsure.com\/imaging\/opt\/18ca107e-1f31-465e-b9e7-1b83fe89e492.png\" width=\"150\" alt=\"Discover it\u00ae Cash Back\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Discover it<sup>\u00ae<\/sup> Cash Back<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nINTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"2000151\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/discover-it-cash-back-review\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--0\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.<\/li>\r\n<li>Unlimited 1% cash back on all other purchases - automatically.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/3d8bdd26-ff10-49b6-81e1-d6aa0a68e9d6.jpg\" width=\"150\" alt=\"Atmos\u2122 Rewards Ascent Visa Signature\u00ae card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Atmos\u2122 Rewards Ascent Visa Signature<sup>\u00ae<\/sup> card<\/div><div class=\"compare-offer\"><strong>Limited Time Online Offer:<\/strong>\r\n50,000 bonus miles plus buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases<\/li>\r\n<li> Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging stations, cable, streaming services and local transit (including ride share) purchases<\/li>\r\n<li>Earn unlimited 1 mile for every $1 spent on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png\" width=\"150\" alt=\"Hilton Honors American Express Surpass\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Surpass<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Limited-Time Offer<\/strong>\r\nEarn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Surpass\u00ae Card' data-ccid=\"4048089\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressSurpassCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$150<span class=\"compare-terms\"><a data-ccid=\"4048089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-surpass-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>12X bonus points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio<\/li>\r\n \t<li>6X bonus points for each dollar of eligible purchases on your card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations<\/li>\r\n<li>4X bonus points on U.S online retail purchases<\/li>\r\n         <li>3X bonus points for all other eligible purchases on your card<\/li><\/ul><\/div><\/div><\/div>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>We consider the <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a> and <a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a> ideal credit cards for everyday purchases for most consumers, along with the <a data-ccid=\"5048345\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x-business\/\">Venture X Business<\/a> for small businesses. All three of these cards earn an unlimited 2X Capital One miles and offer other travel benefits to help offset the annual fee.<\/p>\n<p>However, if you qualify for Bank of America's Platinum Honors tier, you cannot beat the <a data-ccid=\"4048119\" href=\"\/blog\/link\/CR-BankofAmericaPremiumRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Bank of America Premium Rewards Card<\/a>&#8216;s cash back.<\/p>\n<p>For those seeking a perfect card to complement their current card portfolio, consider the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<\/a> or <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0ce10cd1aaaa3cc07ce6609aeb4821e81&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>The most important point here may be that there is no &#8220;one best card&#8221; for everyday spending. The best card is tied directly to your current travel goals \u2014 where you want to go, how you\u2019re going to get there, and where you're going to stay. Our advice is to not spend too much time wringing every last cent out of your everyday spending. Instead, set up a strategy that provides the best return for the time you\u2019re willing to invest.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are a large number of credit cards out there offering bonus points for different purchases. But what do you do when a purchase doesn&#8217;t fall neatly into any bonus category? In this post, we discuss the best cards to use for everyday purchases.<\/p>\n","protected":false},"author":59,"featured_media":179295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12621],"coauthors":[36386,36477],"class_list":["post-21087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-earning-strategy"],"acf":[],"yoast_head":"<title>Best Credit Cards for Everyday Purchases - AwardWallet Blog<\/title>\n<meta name=\"description\" content=\"Wondering what credit card to use for everyday purchases? Here&#039;s our roundup of the best cards for non-bonused spending.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-everyday-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Credit Cards for Everyday Purchases: Maximize Your Non-Bonus Spend in 2026\" \/>\n<meta property=\"og:description\" content=\"Wondering what credit card to use for everyday purchases? 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