Rewards, No Annual Fee, Daily use
Apply now
On Capital One‘s site

Best Credit Cards for Everyday Use of November 2022

The best card for everyday spending is simply the one that will earn you valuable rewards daily. There are a lot of credit cards with rewards in many different bonus categories. Everyone should go for the card with the highest rewards rate in their favorite spending category. However, some people’s spending is more evenly spread across several categories, and some might be willing to get two rewards credit cards to make the most of them. We're all different, and use our cards in many different places. Luckily, there are so many cards on the market to satisfy our diverse needs. Whether you'd like a simple card with a high flat cash back rate, one with valuable travel rewards, or you have a specific bonus category in mind we’re sure you will find your match on our list of the best credit cards for daily use.

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for Daily use in November 2022

Hide all
Show all

Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 17.99% - 27.99% variable APR applies after that.

    The Card doesn't charge an annual fee. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No annual fee
    • No Foreign Transaction Fee
    • 15-month 0% APR intro offer
    • Bonus for New Members
  • Cons:
    • Lower Reward Rates
    • High APR
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
View all VentureOne Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.99% - 27.99%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
Apply now
On Capital One‘s site
Card detail

Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail
Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.14
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 28.49 Variable. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
View all Quicksilver Secured Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
15.99% - 29.99% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal 2 Card has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500 - $10,000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

    Read full review

  • Pros:
    • No annual fee
    • No returned payment fee
    • No foreign transaction fee
    • You can apply even if you have no credit history
    • No late fees
  • Cons:
    • No signup bonus
    • Cash advances are not permitted
    • Those who filed for bankruptcy may be rejected
    • Balance transfers are not allowed
    • No intro APR offer
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
Apply now
On WebBank‘s site
Card detail

Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

Gold Preferred® Secured Visa® Applied Bank
Annual fee:
$48 annually
Regular APR:
9.99% Fixed
Our Rating:
4.23
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Applied Bank®
    • Details:

      The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

      The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

      Read full review

    • Pros:
      • Extremely low regular APR
      • No penalty rate
      • Guaranteed approval
      • Increase your credit limit
    • Cons:
      • No rewards system
      • A lot of fees
      • Can’t upgrade to an unsecured credit card
      • No grace period
    • Benefits:
      • Reports to All Three National Credit Bureaus;
      • Zero Fraud Liability;
      • Refundable Security Deposit;
      • Global acceptance;
      • Emergency card replacement and cash disbursement.
    View all Secured Visa® Gold Preferred® Credit Card details
    Apply now
    On Applied Bank®‘s site
    Card detail
    Merrick Bank Double Your Line® Secured Mastercard®
    Annual fee:
    $36 the first year. Billed $3 per month thereafter
    Regular APR:
    20.45% Variable
    Our Rating:
    3.98
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Merrick Bank
      • Details:

        The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

        The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

        The APR for purchases is 20.45% (Variable).

        Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

        Read full review

      • Pros:
        • Double your credit limit
        • Free monthly FICO Score access
      • Cons:
        • Annual Fee
        • Foreign Transaction
      • Benefits:
        • $0 Fraud Liability;
        • Double Your Line®;
        • Reports to 3 Major Credit Bureaus.
      View all Double Your Line® Secured Mastercard® details
      Apply now
      On Merrick Bank‘s site
      Card detail
      First Progress Platinum Prestige Mastercard® Secured Synovus Bank
      Annual fee:
      $49 annually
      Regular APR:
      13.74% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • Issuer name:
          Synovus Bank
        • Details:

          The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

          The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

          The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

          First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

          Read full review

        • Pros:
          • Low APR for Purchases
          • No Minimum Credit Score Required
          • Reports to Three Major Credit Bureaus
          • Suitable Range of Credit Limit
        • Cons:
          • High Annual Fee
          • High Transaction Fees on Cash Advance
          • High Penalty Fees
          • No Bonuses or Rewards
          • Foreign Transaction Fees
          • Unavailability of Card for Certain Geographies in the US
        • Benefits:
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Prestige Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail

        Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

        Deserve EDU Celtic Bank
        Annual fee:
        $0
        Regular APR:
        22.49% Variable
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Excellent (0-799)
        • Rewards Rate:
          • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
        • Issuer name:
          Celtic Bank
        • Details:

          The Deserve EDU Card makes it easy for students to start building credit.

          The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

          Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

          Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

          Read full review

        • Pros:
          • No prior credit history required
          • No SSN Required
          • No Annual Fee
          • No
          • Transactions Fees
          • No Co-Signer/ Deposit Required
        • Cons:
          • Relatively High APR
          • Fairly Low Rewards
          • Only for Students
        • Benefits:
          • Cellphone Protection;
          • Collision Damage Waiver;
          • Concierge Service;
          • No International Transaction Fees;
          • Priority Pass™ Membership;
          • Mastercard Benefits;
          • No Social Security Number required for international students to apply.
        View all Deserve EDU details
        Apply now
        On Celtic Bank‘s site
        Card detail
        Unique Platinum
        Annual fee:
        See website for details*
        Regular APR:
        0.00% Regular
        Our Rating:
        3.1
        scorer
        Credit score
        No Credit History to Poor (0-579)
        • Rewards Rate:
          • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
        • Details:

          The Unique Platinum Card is a good option for people with bad credit or no credit.

          With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

          The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

          The card is valid only at My Unique Outlet.

          Read full review

        • Pros:
          • Unsecured credit line
          • Instant approval
        • Cons:
          • Valid only at My Unique Outlet
          • Minimum monthly payment
        • Benefits:
          • $1000 Credit Line;
          • $25 in Reward Dollars;
          • No Monthly Fee.
        View all Unique Platinum details
        Apply now
        On Uniquecardservices‘s website
        Card detail
        Accepted Platinum
        Annual fee:
        See website for details*
        Regular APR:
        None
        Our Rating:
        4
        scorer
        Credit score
        No Credit History to Poor (0-579)
        • Purchase Intro APR:
          0% Introductory APR
        • Details:

          The Accepted Platinum Card is a special card for online shopping. With the Card you’ll get $25 in Reward Dollars every month.

          The Card offers fast, trackable and reliable roadside service.

          The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

          The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

          The Accepted Platinum Card has no penalties for prepayment.

          Read full review

        • Pros:
          • No APR charged
        • Cons:
          • No rewards
          • Limited use
        • Benefits:
          • $1,000.00 Credit Line;
          • No Credit Checks;
          • 24/7 Roadside Assistance;
          • $14.95 Monthly Payments.
        View all Accepted Platinum details
        Apply now
        On Acceptedplatinum‘s website
        Card detail

        WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

        Petal® 1 "No Annual Fee" Visa® WebBank
        Annual fee:
        $0
        Regular APR:
        22.99% - 32.49% Variable
        Our Rating:
        4.34
        scorer
        Credit score
        No Credit History to Good (0-739)
        • Rewards Rate:
          • 2% - 10%:
          • Cash Back at select merchants.
        • Issuer name:
          WebBank
        • Details:

          The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

          The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

          The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

          Read full review

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • No welcome bonus
          • No intro APR period
        • Benefits:
          • 2 - 10% Cash Back;
          • Zero liability fraud protection;
          • $300 - $5,000 credit limits.
        View all Petal® 1 "No Annual Fee" Visa® details
        Apply now
        On WebBank‘s site
        Card detail
        Secured Mastercard® Merrick Bank
        Annual fee:
        $36 for first year. Billed $3 per month thereafter
        Regular APR:
        20.45% Variable
        Our Rating:
        3.2
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Issuer name:
            Merrick Bank
          • Details:

            The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

            The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

            The Card's APR: 20.45% Variable for purchases.

            The Secured Mastercard® credit card reports to all three major credit bureaus.

            Read full review

          • Pros:
            • Up to $3000 credit limit
            • Reports to three major credit bureaus
            • You don’t need a bank account to apply
            • Access to FICO score
            • Low APR
          • Cons:
            • No rewards or intro offers
            • $200 minimum deposit
            • Extra fees
            • $36 annual fee
          • Benefits:
            • Monthly Reporting to the 3 Major Credit Bureaus;
            • $0 Fraud Liability;
            • Low interest;
            • FICO® Score for Free Each Month.
          View all Secured Mastercard® details
          Apply now
          On Merrick Bank‘s site
          Card detail
          First Progress Platinum Select Mastercard® Secured Synovus Bank
          Annual fee:
          $39 annually
          Regular APR:
          17.74% Variable
          Our Rating:
          3.5
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              Synovus Bank
            • Details:

              The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

              The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

              The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

              The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

              Read full review

            • Pros:
              • No credit history required
              • No Minimum Credit Score needed
              • Low Annual Percentage Rates
            • Cons:
              • Annual Fee
              • Foreign Transaction Fee
            • Benefits:
              • Accepted Nationwide;
              • No Minimum Credit Score;
              • No Credit History Required.
            View all First Progress Platinum Select Mastercard® Secured details
            Apply now
            On First Progress’s site
            Card detail
            Upgrade Bitcoin Rewards Sutton Bank
            Annual fee:
            $0
            Regular APR:
            14.99% - 29.99% Regular
            Our Rating:
            4.2
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 1.5% Cash Back in bitcoin when you make payments.
            • Intro Offer:
              • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
            • Issuer name:
              Sutton Bank
            • Details:

              The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

              The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

              Read full review

            • Pros:
              • No Annual Fee
              • No Foreign Transaction Fee
            • Cons:
              • The Card cannot be used at an ATM
            • Benefits:
              • $200 bonus;
              • 1.5% back in bitcoin when you make payments;
              • Credit lines from $500 to $25,000;
              • Affordable monthly payments with no annual fee.

              *To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

            View all Upgrade Bitcoin Rewards details
            Apply now
            On Sutton Bank‘s site
            Card detail
            Capital One® Spark Cash Plus
            Annual fee:
            $150 annually
            Regular APR:
            None *
            Our Rating:
            3.62
            scorer
            Credit score
            Excellent (740-799)
            • Rewards Rate:
              • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
              • 2% Cash Back for your business on every purchase.
            • Intro Offer:
              • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
            • Purchase Intro APR:
              None *
            • Balance Transfer APR:
              None *
            • Issuer name:
              Capital One
            • Details:

              The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

              The Card has no APR because your balance is due in full every month.

              Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

              The Card's annual fee is $150.

            • Pros:
              • No foreign transaction fees
            • Cons:
              • Annual Fee
            • Benefits:
              • Up to $1,000 in the first 6 months;
              • $200 cash bonus every year you spend $200,000 or more;
              • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
              • 2% Cash Back on every purchase;
              • Roadside Assistance;
              • Free Employee Cards;
              • Extended Warranty;
              • $0 Fraud Liability.
            View all Spark Cash Plus details
            Apply now
            On Capital One‘s site
            Card detail
            Capital One® Spark® Cash Select
            Annual fee:
            $0
            Regular APR:
            16.24% - 22.24% Variable
            Our Rating:
            5
            scorer
            Credit score
            Excellent (740-799)
            • Rewards Rate:
              • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
              • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
            • Intro Offer:
              • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
            • Balance Transfer APR:
              16.24% - 22.24% Variable
            • Issuer name:
              Capital One
            • Details:

              The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

              The Spark® Cash Select Card doesn't charge an annual fee.

              The card's APR is 16.24% - 22.24%.

            • Pros:
              • No Annual Fee
              • No Foreign Transaction Fee
            • Cons:
              • No Intro APR period
            • Benefits:
              • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
              • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
              • 1.5% Cash Back for your business on every purchase;
              • $0 Fraud Liability;
              • Free Employee Cards;
              • Roadside Assistance.
            View all Spark® Cash Select details
            Apply now
            On Capital One‘s site
            Card detail
            Divvy Cross River Bank
            Annual fee:
            $0
            Regular APR:
            None
            Our Rating:
            4.04
            scorer
            Credit score
            Fair to Excellent (580-799)
            • Rewards Rate:
              • 2x - 7x:
              • Points on restaurants.
              • 2x - 5x:
              • Points on hotels.
              • 1.5x - 2x:
              • Points on recurring software subscriptions.
              • 1x - 1.5x:
              • Points on everything else.
            • Issuer name:
              Cross River Bank
            • Details:

              The Divvy Card is a corporate credit card.

              The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

              Points can be redeemed for travel, gift cards, statement credits or cash back.

              Read full review

            • Pros:
              • No fees
              • Rewards
            • Cons:
              • No sign-up bonus
            • Benefits:
              • Unlimited creation of virtual cards;
              • Scalable credit line;
              • Employee cards for everyone;
              • Enforceable budgets;
              • Expense reports.
            View all Divvy details
            Apply now
            On Cross River Bank‘s site
            Card detail

            Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

            Chase Freedom Unlimited®
            Annual fee:
            $0
            Regular APR:
            17.24% - 25.99% Variable
            Our Rating:
            5
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
              • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
              • 3% Cash Back on drugstore purchases.
              • 1.5% Cash Back on all other purchases.
            • Intro Offer:
              • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
              • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
            • Purchase Intro APR:
              0% Intro APR for the first 15 months that your Account is open
            • Balance Transfer APR:
              17.24% - 25.99% Variable
            • Issuer name:
              Chase
            • Details:

              The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

              The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

              Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

            • Pros:
              • No Annual Fee
              • Generous rewards
              • 0% intro APR
              • Sign-up bonus
            • Cons:
              • Foreign Transaction Fee
            • Benefits:
              • Zero Liability Protection;
              • $200 intro bonus;
              • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
              • 3 percent back on dining;
              • 3 percent back at drugstores;
              • 1.5 percent Cash Back on general purchases;
              • Auto Rental Collision Damage Waiver;
              • Trip Cancellation/Interruption Insurance;
              • Travel and Emergency Assistance Services;
              • 24/7 Fraud Protection;
              • Redeem for Cash Back;
              • Gift cards.
            Card detail

            Citi Double Cash best for Cash Back, No Annual Fee, Daily use

            Double Cash Citi
            Annual fee:
            $0
            Regular APR:
            17.74% - 27.74% Variable
            Our Rating:
            4.55
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
            • Intro Offer:
              • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
            • Balance Transfer APR:
              17.74% - 27.74% Variable
            • Issuer name:
              Citi
            • Details:

              The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

              Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

              The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

              The Citi Double Cash extends a myriad of security and fraud protections.

            • Pros:
              • Flat-rate Cash Back Rewards on Everything
              • High Rewards Rate
              • No annual fee
              • Attractive Intro APR on Balance Transfers
            • Cons:
              • Losing your 1% Cash-Back Is Pretty Easy
              • Foreign transaction fee
              • Balance Transfer Fee
            • Benefits:
              • Citi Entertainment;
              • 2% Cash Back on every purchase;
              • Fraud Protection;
              • The Lost Wallet Service;
              • $0 Liability for Unauthorized Charges.
            Card detail

            American Express® EveryDay® Preferred best for Honeymoon, Daily use

            EveryDay® Preferred American Express
            Annual fee:
            $95 annually
            Regular APR:
            16.74% - 26.74% Variable
            Our Rating:
            3.59
            scorer
            Credit score
            Excellent (740-799)
            • Rewards Rate:
              • 3x Points on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
              • 2x Points on gas at U.S. gas stations.
              • 1x Points on all other purchases.
            • Intro Offer:
              • 15,000x Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership.
            • Purchase Intro APR:
              0% Introductory APR for the first 12 months from the date of account opening
            • Balance Transfer APR:
              16.74% - 26.74% Variable
            • Issuer name:
              American Express®
            • Details:

              The Amex EveryDay® Preferred Credit Card offers rewards at U.S. gas stations and U.S. supermarkets with its Membership Rewards points.

              You’ll earn 15,000 points after spending $2,000 in the first 6 months. The card also has a 0% intro APR for 12 months on purchases and balance transfers, followed by an APR from 16.74% to 26.74% Variable after that.

              With Return Protection, you may return eligible purchases to American Express® if the seller won't take them back up to 90 days from the date of purchase. American Express® may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Credit Card.

              If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

            • Pros:
              • 12-month 0 percent intro APR on purchases
              • Easy-to-earn welcome bonus
              • Flexible travel rewards
            • Cons:
              • Annual Fee
              • Foreign Transaction Fee
              • High penalty APR
            • Benefits:
              • 15,000 Membership Rewards® Points;
              • 50% Extra Points;
              • 3x Points on groceries;
              • 2x Points on gas;
              • 1x Points on all other purchases;
              • Membership Rewards® Pay with Points;
              • Transfer Points to Frequent Traveler Programs;
              • Shop with Membership Rewards® Points;
              • 2x Membership Rewards® Points at Amextravel.com;
              • Car Rental Loss and Damage Insurance;
              • Global Assist® Hotline;
              • Return Protection;
              • Terms Apply.
            Card detail

            American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

            Blue Cash Preferred® American Express
            Annual fee:
            $0 intro annual fee for the first year
            $95 for the rest years
            Regular APR:
            17.74% - 28.74% Variable
            Our Rating:
            5
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
              • 6% Cash Back on streaming (select U.S. streaming subscriptions).
              • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
              • 3% Cash Back at U.S. Gas Stations.
              • 1% Cash Back on other purchases.
            • Intro Offer:
              • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
            • Purchase Intro APR:
              0% Introductory APR for the first 12 months from the date of account opening
            • Balance Transfer APR:
              17.74% - 28.74% Variable
            • Issuer name:
              American Express®
            • Details:

              The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

              The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

              The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

              The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

            • Pros:
              • Excellent cashback bonuses
              • Generous intro APR on purchases
              • Great introductory bonuses
            • Cons:
              • Cashback cap
              • Annual fee
              • Foreign transaction fee
            • Benefits:
              • Earn $250 Back (in the form of a statement credit);
              • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
              • 6% Cash Back on streaming subscriptions;
              • 3% Cash Back on transit;
              • 3% Cash Back at U.S. Gas Stations;
              • 1% Cash Back on other purchases;
              • Extended warranty;
              • Fraud Protection;
              • Return Protection;
              • Car Rental Loss and Damage Insurance;
              • Global Assist® Hotline;
              • Pay It Plan It®;
              • American Express Experiences;
              • Terms Apply.
            Card detail

            The Blue Business® Plus Credit Card from American Express best for Daily use

            The Blue Business® Plus American Express
            Annual fee:
            $0
            Regular APR:
            16.99% - 24.99% Variable
            Our Rating:
            3.2
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 2x Membership Rewards® Points on the first $50,000 spent in purchases each year, 1x points thereafter.
            • Intro Offer:
              • 15,000x Extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
            • Purchase Intro APR:
              0% Introductory APR for the first 12 months from the date of account opening
            • Issuer name:
              American Express®
            • Details:

              The Blue Business® Plus Credit Card from American Express earns 15,000 Extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Plus, the card earns 2x Membership Rewards Points on first $50,000 each year (1x points thereafter).

              The Blue Business® Plus Credit Card has no annual fee. The Card's APR: 0% Intro APR period on purchases for the first 12 months from the date of account opening, 16.99% - 24.99% Variable after that.

              There is no annual fee for additional cards. Plus, when you add an additional Employee Card to your account, you earn Membership Rewards® points on their eligible purchases in addition to the points you earn on your own card.

              The Blue Business® Plus Credit Card from American Express offers Car Rental Loss and Damage Insurance.

            • Pros:
              • Membership Rewards® program
              • 0% Intro APR
              • Expanded Buying Power
              • Plugs into QuickBooks
            • Cons:
              • Limits on Rewards
              • Limited acceptance worldwide
              • Foreign Transaction Fee
              • Balance transfers and cash advances are not available
            • Benefits:
              • 15,000 Extra Membership Rewards® points;
              • 2x points on the first $50,000 spent in purchases each year (1x points thereafter);
              • Employee Cards;
              • Extended Warranty;
              • Account Manager;
              • American Express® Business App;
              • Relationship Care® Service;
              • Global Assist® Hotline;
              • Car Rental Loss and Damage Insurance;
              • Terms Apply.
            Card detail

            American Express® Blue Business Cash™ best for Daily use

            Blue Business Cash™ American Express
            Annual fee:
            $0
            Regular APR:
            16.99% - 24.99% Variable
            Our Rating:
            3.2
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
            • Intro Offer:
              • $250 Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
            • Purchase Intro APR:
              0% Introductory APR for the first 12 months from the date of account opening
            • Issuer name:
              American Express®
            • Details:

              The American Express Blue Business Cash™ Credit Card earns 2% Cash Back up to $50,000 per year, then 1%. Cash back earned is automatically credited to your statement. The card has no annual fee.

              Earn a $250 statement credit after you spend $3,000 in qualifying purchases on your Card within the first 3 months of Card Membership.

              The American Express Blue Business Cash™ Credit Card offers 0% intro purchase APR (for the first 12 months from the date of account opening) and 16.99% to 24.99% variable APR. The card's Penalty APR is 29.99%.

              Enjoy flexible buying power, when your business needs it. Expanded Buying Power gives you the freedom to spend beyond your credit limit and help get business done.

              Get the most out of your Business Credit Card by adding Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.

            • Pros:
              • No Annual Fee
              • 0% Intro APR on purchases
            • Cons:
              • Foreign Transaction Fee
              • No welcome bonus
              • No introductory APR for balance transfers
              • Balance transfers and cash advances are not available
            • Benefits:
              • 2% Cash Back on all eligible purchases (up to $50,000 per year, then 1%);
              • $250 statement credit;
              • Employee Cards;
              • Account Manager;
              • Expanded Buying Power;
              • Extended Warranty Protection;
              • Car Rental Loss and Damage Insurance;
              • Global Assist® Hotline;
              • Terms Apply.
            Card detail

            Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

            Chase Freedom Flex℠
            Annual fee:
            $0
            Regular APR:
            17.24% - 25.99% Variable
            Our Rating:
            5
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
              • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
              • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
              • 3% Cash Back on drugstore purchases.
              • 1% Cash Back on all other purchases.
            • Intro Offer:
              • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
              • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
            • Purchase Intro APR:
              0% Intro APR for the first 15 months that your Account is open
            • Balance Transfer APR:
              17.24% - 25.99% Variable
            • Issuer name:
              Chase
            • Details:

              The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

              You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

              Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

              The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 17.24% - 25.99% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

            • Pros:
              • $200 sign-up bonus
              • High cash back rewards on quarterly rotating bonus categories
              • Decent cash back rewards on select spending categories
              • 0% intro APR on purchases
              • No annual fee
            • Cons:
              • Foreign transaction fee
              • Rotating spending categories require activation
              • No intro APR on balance transfers
            • Benefits:
              • 5% Cash Back on gas;
              • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
              • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
              • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
              • 3% Cash Back on drugstore purchases;
              • 1% Cash Back on all other purchases;
              • $200 Cash Back;
              • Zero Liability Protection;
              • Extended Warranty Protection;
              • Trip Cancellation/Interruption Insurance;
              • Cell Phone Protection;
              • Auto Rental Collision Damage Waiver;
              • Travel and Emergency Assistance Services.
            Card detail

            Chase Ink Business Unlimited® best for Daily use

            Ink Business Unlimited® Chase
            Annual fee:
            $0
            Regular APR:
            15.49% - 21.49% Variable
            Our Rating:
            5
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 1.5% Cash Back rewards on every purchase made for business.
            • Intro Offer:
              • $750 Cash Back after you spend $7,500 on purchases in the first 3 months after account opening.
            • Purchase Intro APR:
              0% Intro APR for the first 12 months that your Account is open
            • Balance Transfer APR:
              15.49% - 21.49% Variable
            • Issuer name:
              Chase
            • Details:

              The Ink Business Unlimited® Credit Card has an annual fee of $0 and offers an unlimited 1.5% cash back on all purchases. Plus, earn $750 bonus Cash Back after you spend $7,500 on purchases in the first 3 months after account opening. Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

              The Ink Business Unlimited® Card offers 0% intro APR for 12 months from account opening on purchases. After that, 15.49% – 21.49% (Variable). The card's Penalty APR is 29.99%. The card has a foreign transaction fee of 3% (each transaction in U.S. dollars).

              With the Ink Business Unlimited® Credit Card your purchases are protected from theft and damage up to $10,000 per claim and $50,000 per account for up to 120 days.

            • Pros:
              • No Annual Fee
              • 0% Intro APR on purchases
            • Cons:
              • Foreign Transaction Fee
            • Benefits:
              • $750 bonus Cash Back;
              • 1.5% Cash Back rewards on every purchase;
              • Free employee cards;
              • Auto Rental Collision Damage Waiver;
              • Travel and Emergency Assistance Services;
              • Roadside Dispatch;
              • Extended Warranty Protection.
            Card detail

            Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

            Chase Sapphire Preferred®
            Annual fee:
            $95 annually
            Regular APR:
            18.24% - 25.24% Variable
            Our Rating:
            4.4
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
              • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
              • 3x Points on dining, including eligible delivery services, takeout and dining out.
              • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
              • 3x Points on select streaming services.
              • 2x Points on other travel purchases.
              • 1x Point per dollar spent on all other purchases.
            • Intro Offer:
              • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
            • Balance Transfer APR:
              18.24% - 25.24% Variable
            • Issuer name:
              Chase
            • Details:

              The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

              Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

              The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 18.24% to 25.24%.

              My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

            • Pros:
              • Excellent sign-up bonus
              • No foreign transaction fees
              • 25% more redemption value
              • Unique “My Chase Plan” offer
              • Great Referral Program
            • Cons:
              • There is an annual fee
              • Steep penalty APR of 29.99%
              • No 0% intro APR offer
            • Benefits:
              • 60,000 Bonus Points;
              • $50 in statement credits;
              • 5x points on travel;
              • 3x points on dining;
              • 3x points on online grocery purchases;
              • 3x points on select streaming services;
              • 2x points on other travel purchases;
              • 25% more redemption value;
              • 1:1 Point Transfer;
              • Trip Cancellation/Interruption Insurance;
              • Auto Rental Collision Damage Waiver;
              • Baggage Delay Insurance;
              • Travel and Emergency Assistance Services.
            Card detail

            Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

            Chase Sapphire Reserve® Chase
            Annual fee:
            $550 annually ($75 for each authorized user)
            Regular APR:
            19.24% - 26.24% Variable
            Our Rating:
            3.99
            scorer
            Credit score
            Excellent (740-799)
            • Rewards Rate:
              • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
              • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
              • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
              • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
              • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
              • 1x Point per dollar spent on all other purchases.
            • Intro Offer:
              • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
            • Balance Transfer APR:
              19.24% - 26.24% Variable
            • Issuer name:
              Chase
            • Details:

              Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

              The card’s variable APR is 19.24% to 26.24%.

              The Chase Sapphire Reserve® has a $550 annual fee.

              New cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

              The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

              Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

              Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

            • Pros:
              • Generous signup offer
              • Annual $300 travel credit
              • High travel and dining rewards
              • Transfer points to loyalty programs
              • Increase point value by 50%
            • Cons:
              • Typically requires excellent credit
              • High annual fee
            • Benefits:
              • 60,000 bonus points;
              • 10x total points on hotels and car rentals;
              • 10x total points on Chase Dining purchases;
              • 5x total points on flights;
              • 3x points on other travel;
              • 3x points on other dining;
              • $300 Annual Travel Credit;
              • Zero liability protection;
              • 50% more redemption value;
              • Global Entry or TSA Pre✓® Fee Credit ;
              • Complimentary Airport Lounge Access;
              • The Luxury Hotel & Resort Collection;
              • Trip Cancellation/Interruption Insurance;
              • Auto Rental Collision Damage Waiver;
              • Lost Luggage Reimbursement;
              • Emergency Evacuation & Transportation.
            Card detail

            Chase Ink Business Preferred® best for Without SSN, Daily use

            Ink Business Preferred® Chase
            Annual fee:
            $95 annually
            Regular APR:
            15.99% - 20.99% Variable
            Our Rating:
            4.57
            scorer
            Credit score
            Good to Excellent (670-799)
            • Rewards Rate:
              • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
              • 1x Point per $1 on all other purchases.
            • Intro Offer:
              • 100,000x Bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 Cash Back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
            • Balance Transfer APR:
              15.99% - 20.99% Variable
            • Issuer name:
              Chase
            • Details:

              The Ink Business Preferred® Credit Card from Chase is a good fit for business owners who spend a lot of money on travel, shipping, internet, cable and phone services, and advertising purchases.

              Earn 100.000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 Cash Back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

              Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Redeem points for Cash Back, gift cards, travel and more – your points don’t expire as long as your account is open.

              The card's APR: 15.99 % to 20.99 % (Variable). The APR for Cash Advance: 24.99%.

              The Ink Business Preferred® Credit Card's Penalty APR: up to 29.99%.

              While the biggest fee is the $95 annual fee, there are also other fees to be aware of such as the late or returned payment fee of $39. Balance transfers are charged at $5 or 5 percent for each transfer, whichever is greater. Cash advances cost $15 or 5 percent, whichever is greater.

              The Ink Business Preferred® Credit Card pays up to $600 per claim for damage or theft of cell phones for you and your employees when the bill is paid using your card. There’s a maximum of three claims in a 12-month period, and there is a $100 deductible for each claim.

              Trip cancellation and interruption insurance reimburses you up to $5,000 per trip (including passenger fares, tours and hotels) when your trip is canceled due to sickness, severe weather conditions and other qualifying scenarios.

              As part of the Visa network, the card is broadly accepted by merchants worldwide. It also doesn’t charge foreign transaction fees, which will save you money on your overseas purchases.

            • Pros:
              • 3x Bonus
              • Relatively Low Annual Fee
              • Cards for Employees at No Additional Cost
              • High Sign-Up Bonus
              • No Foreign Transaction Fees
            • Cons:
              • High Spending Minimum for Sign up Bonus
              • High APR
            • Benefits:
              • 100,000 bonus points;
              • 3x points on travel and select business categories;
              • 1x point on all other purchases;
              • $0 Fraud Liability;
              • Extended warranties;
              • Employee cards at no additional cost;
              • Build your business credit;
              • 25% more in travel redemption;
              • 1:1 Points Transfer;
              • Gift Cards;
              • Apple® Ultimate Rewards Store;
              • Trip Cancellation/Trip Interruption Insurance;
              • Roadside Dispatch;
              • Auto Rental Collision Damage Waiver;
              • Cell Phone Protection.
            Card detail

            Short Review of Best Credit Cards for Daily Use

            NameBest forRewards RatePurchase APRApply
            Capital One VentureOne Rewards Credit Card
            4.72
            Rewards, No Annual Fee, Daily use
          • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
          • 1.25x Miles per dollar on all purchases.
          • 17.99% - 27.99% VariableApply now
            On Capital One‘s site
            Capital One SavorOne Cash Rewards Credit Card
            4.36
            Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
          • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
          • 1% Cash Back on all other purchases.
          • 17.99% - 27.99% VariableApply now
            On Capital One‘s site
            Capital One Venture Rewards Credit Card
            3.52
            Travel, Daily use
          • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
          • 2x Miles on all purchases.
          • 18.99% - 26.99% VariableApply now
            On Capital One‘s site
            Capital One Quicksilver Cash Rewards Credit Card
            4.58
            Cash Back, No Annual Fee, Daily use
          • 1.5% Cash Back on every purchase.
          • 17.99% - 27.99% VariableApply now
            On Capital One‘s site
            Capital One QuicksilverOne Cash Rewards Credit Card
            3.64
            Fair credit
          • 1.5% Cash Back on every purchase.
          • 28.49% VariableApply now
            On Capital One‘s site
            Capital One Quicksilver Secured Cash Rewards Credit Card
            3.14
          • 1.5% Cash Back on every purchase.
          • 28.49% VariableApply now
            On Capital One‘s site
            Capital One Quicksilver Student Cash Rewards Credit Card
            3.52
            International students
          • 1.5% Cash Back on every purchase.
          • 17.99% - 27.99% VariableApply now
            On Capital One‘s site
            Upgrade Cash Rewards Visa®
            4.35
            Good credit score
          • 1.5% Cash Back on payments.
          • 14.99% - 29.99% RegularApply now
            On Upgrade‘s website
            Upgrade Triple Cash Rewards Visa®
            3.53
          • 3% Cash Back on Home, Auto and Health categories.
          • 1% Cash Back on everything else.
          • 14.99% - 29.99% RegularApply now
            On Upgrade‘s website
            WebBank Petal® 2 “Cash Back, No Fees” Visa®
            3.8
            Beginner, No history
          • 1% - 1.5%:
          • Cash Back after making 12 on-time monthly payments.
          • 2% - 10%:
          • Cash Back from select merchants.
          • 15.99% - 29.99% VariableApply now
            On WebBank‘s site
            Applied Bank® Secured Visa® Gold Preferred® Credit Card
            4.23
            18 year old
          • This card doesn't offer cash back, miles or points.
          • 9.99% FixedApply now
            On Applied Bank®‘s site
            Merrick Bank Double Your Line® Secured Credit Card
            3.98
          • This card doesn't offer cash back, miles or points.
          • 20.45% VariableApply now
            On Merrick Bank‘s site
            First Progress Platinum Prestige Mastercard® Secured Credit Card
            3.8
          • This card doesn't offer cash back, miles or points.
          • 13.74% VariableApply now
            On First Progress’s site
            Celtic Bank Deserve EDU
            3.5
            Cash Back, Without SSN, Student
          • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
          • 22.49% VariableApply now
            On Celtic Bank‘s site
            Unique Platinum
            3.1
          • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
          • 0.00% RegularApply now
            On Uniquecardservices‘s website
            Accepted Platinum
            4
          • This card doesn't offer cash back, miles or points.
          • NoneApply now
            On Acceptedplatinum‘s website
            WebBank Petal® 1 "No Annual Fee" Visa®
            4.34
            For bad credit
          • 2% - 10%:
          • Cash Back at select merchants.
          • 22.99% - 32.49% VariableApply now
            On WebBank‘s site
            Merrick Bank Secured Credit Card
            3.2
          • This card doesn't offer cash back, miles or points.
          • 20.45% VariableApply now
            On Merrick Bank‘s site
            First Progress Platinum Select Mastercard® Secured Credit Card
            3.5
          • This card doesn't offer cash back, miles or points.
          • 17.74% VariableApply now
            On First Progress’s site
            Sutton Bank Upgrade Bitcoin Rewards
            4.2
          • 1.5% Cash Back in bitcoin when you make payments.
          • 14.99% - 29.99% RegularApply now
            On Sutton Bank‘s site
            Capital One Spark Cash Plus
            3.62
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
          • 2% Cash Back for your business on every purchase.
          • None *Apply now
            On Capital One‘s site
            Capital One Spark Cash Select - $500 Cash Bonus
            5
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
          • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
          • 16.24% - 22.24% VariableApply now
            On Capital One‘s site
            Cross River Bank Divvy
            4.04
          • 2x - 7x:
          • Points on restaurants.
          • 2x - 5x:
          • Points on hotels.
          • 1.5x - 2x:
          • Points on recurring software subscriptions.
          • 1x - 1.5x:
          • Points on everything else.
          • NoneApply now
            On Cross River Bank‘s site
            Chase Freedom Unlimited®
            5
            Cash Back, 0 APR, No Annual Fee, Daily use
          • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
          • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
          • 3% Cash Back on drugstore purchases.
          • 1.5% Cash Back on all other purchases.
          • 17.24% - 25.99% VariableLearn more
            Citi Double Cash
            4.55
            Cash Back, No Annual Fee, Daily use
          • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
          • 17.74% - 27.74% VariableLearn more
            American Express® EveryDay® Preferred
            3.59
            Honeymoon, Daily use
          • 3x Points on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
          • 2x Points on gas at U.S. gas stations.
          • 1x Points on all other purchases.
          • 16.74% - 26.74% VariableLearn more
            American Express Blue Cash Preferred
            5
            Gas, Groceries, Streaming services, Daily use
          • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
          • 6% Cash Back on streaming (select U.S. streaming subscriptions).
          • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
          • 3% Cash Back at U.S. Gas Stations.
          • 1% Cash Back on other purchases.
          • 17.74% - 28.74% VariableLearn more
            The Blue Business® Plus Credit Card from American Express
            3.2
            Daily use
          • 2x Membership Rewards® Points on the first $50,000 spent in purchases each year, 1x points thereafter.
          • 16.99% - 24.99% VariableLearn more
            American Express® Blue Business Cash™
            3.2
            Daily use
          • 2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
          • 16.99% - 24.99% VariableLearn more
            Chase Freedom Flex℠
            5
            Cash Back, 0 APR, No Annual Fee, Daily use
          • 5% Cash Back on up to $1,500 on combined purchases in bonus categories each quarter you activate.
          • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
          • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
          • 3% Cash Back on drugstore purchases.
          • 1% Cash Back on all other purchases.
          • 17.24% - 25.99% VariableLearn more
            Chase Ink Business Unlimited®
            5
            Daily use
          • 1.5% Cash Back rewards on every purchase made for business.
          • 15.49% - 21.49% VariableLearn more
            Chase Sapphire Preferred®
            4.4
            Travel, Restaurants, Daily use
          • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
          • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
          • 3x Points on dining, including eligible delivery services, takeout and dining out.
          • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
          • 3x Points on select streaming services.
          • 2x Points on other travel purchases.
          • 1x Point per dollar spent on all other purchases.
          • 18.24% - 25.24% VariableLearn more
            Chase Sapphire Reserve®
            3.99
            Travel, Restaurants, Daily use
          • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
          • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
          • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
          • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
          • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
          • 1x Point per dollar spent on all other purchases.
          • 19.24% - 26.24% VariableLearn more
            Chase Ink Business Preferred®
            4.57
            Without SSN, Daily use
          • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
          • 1x Point per $1 on all other purchases.
          • 15.99% - 20.99% VariableLearn more

            Capital One VentureOne Rewards Credit Card

            The Capital One VentureOne Rewards card is the no-annual-fee version of the Venture Rewards credit card. This one has a slightly lower rewards rate – 1.25x miles per dollar. The sign-up bonus is 20,000 bonus miles if you spend $500 on purchases during the first 3 months. This card is a better choice for those who aren’t sure they’ll earn enough rewards to justify an annual fee.

            Read more about Capital One VentureOne Rewards Credit Card

            Capital One SavorOne Cash Rewards Credit Card

            If ‘dinner-and-movie’ evenings are your thing the Capital One SavorOne will be of great value to you. This card has a 3% cash back rate on dining and entertainment and, as of recently, on popular streaming services and grocery stores too. All other purchases will earn you 1% cash back. New cardmembers can get a $200 sign-up bonus if they spend $500 during the first 3 months upon account opening. It’s also a great card for your next big purchase as it has a long 15-month 0% APR offer on purchases and transfers (after that, your APR will be 17.99% - 27.99%). Many premium experiences, such as VIP tickets, five-star meals, and others, are part of the deal, too. All those great features for a $0 annual fee!

            Read more about Capital One SavorOne Cash Rewards Credit Card

            Capital One Venture Rewards Credit Card

            This card is for those who want to earn miles every time they swipe their credit card. With the Capital One Venture Rewards, they'll get 2 miles per dollar spent on all purchases. Additionally, there is a great sign-up bonus of 75,000 miles if you spend $4,000 on purchases in the first 3 months after opening the account. Either sign-up bonus will be worth enough to outweigh the $95 annual fee.

            Read more about Capital One Venture Rewards Credit Card

            Capital One Quicksilver Cash Rewards Credit Card

            If you want a straightforward, low-maintenance card, the Capital One Quicksilver is the card for you. It has an unlimited 1.5% cash back rate on all purchases and an easily achievable welcome bonus. You’ll get $200 if you spend $500 in the first 3 months. There is no annual fee with this card.

            Read more about Capital One Quicksilver Cash Rewards Credit Card

            Chase Freedom Unlimited®

            It won't be true for everyone, but Chase Freedom Unlimited® might be the best card for everyday purchases. It has a great above-average 1.5% cash back rate on all purchases, plus popular bonus categories – travel purchased through Chase Ultimate Rewards (5%), dining (3%), and drugstore (3%). Its $200 sign-up bonus is really easy to achieve if you use it every day, the requirement is $500 spent in the first 3 months upon account opening. The redemption options are flexible, and you can redeem for travel through Chase Ultimate Rewards. You can also put a big purchase on this card and take advantage of the 15-month 0% APR offer on purchases and transfers (17.24% - 25.99% variable after that). It’s almost unbelievable that we’re talking about a no-annual-fee card!

            Read more about Chase Freedom Unlimited®

            Citi Double Cash

            If you're not very interested in bonus categories and want to earn generous rewards on every purchase – the Citi Double Cash is the perfect one for this. Its 2% cash back rate on all purchases is the highest flat rate on the market. You will get 1% when you make a purchase and 1% when you pay for it. There is no annual fee to worry about too, just swipe your card any chance you get and enjoy your rewards.

            Read more about Citi Double Cash

            American Express® EveryDay® Preferred

            The American Express® EveryDay® Preferred Credit Card has bonus rates in two common spending categories – U.S. supermarkets (3x points - up to $6,000 annually) and gas (2x points at U.S. gas stations). On all other purchases, you'll get 1 point per dollar spent, and if you use your card 30 or more times during a billing period, you'll get 50% extra points on those purchases. The welcome bonus is 15,000 Membership Rewards points if you spend $2,000 within the first 6 months upon account opening. There is 0% intro APR on purchases for 12 months (then a variable APR, 16.74% - 26.74%) and a $95 annual fee.

            Read more about American Express® EveryDay® Preferred

            American Express Blue Cash Preferred

            What separates the Blue Cash Preferred® Credit Card from other rewards cards is its superior 6% cash back rate at probably the most popular everyday spending category – supermarkets (up to $6,000 spent annually at U.S. supermarkets). There is a 6% cash back on select U.S. streaming subscriptions, too, and 3% on purchases in two other common categories – transit and gas (at U.S. gas stations). All other purchases will earn you 1% (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit). Furthermore, there is a $350 welcome bonus too, and in order to get it, you are required to spend $3,000 in the first 6 months. The annual fee is $0 intro annual fee for the first year, and after it's $95.

            Read more about American Express Blue Cash Preferred

            The Blue Business® Plus Credit Card from American Express

            The American Express® Blue Business® Plus earns 2x points on every purchase up to $50,000 spent yearly, and 1x point after. The welcome bonus is 15,000 Membership Rewards points with a threshold requirement of $3,000 within the first 3 months. Businesses can also benefit from the 12-month 0% APR offer on purchases (16.99% - 24.99% after that). This card has no annual fee.

            Read more about The Blue Business® Plus Credit Card from American Express

            American Express® Blue Business Cash™

            The Blue Business Cash™ is the sister card of the Blue Business® Plus, the difference is that this one earns you cash back instead of points. Therefore, there is 2% cash back on up to $50,000 spent yearly and 1% after. You can earn a $250 welcome bonus if you spend $3,000 in the first three months. As the Blue Business® Plus, it also comes with the same APR offer (0% introductory APR on purchases for 12 months from the date of account opening, 16.99% - 24.99% after that), and it doesn't have an annual fee too. Currently, there are two Amex offers available with both cards – 50% back on FedEx (up to $1,000) and 30% back on Bloomberg.com purchases (up to $50).

            Read more about American Express® Blue Business Cash™

            Chase Freedom Flex℠

            On top of great rewards rates in several popular spending categories, the Chase Freedom Flex℠ also offers 5% cash back in quarterly rotating categories on up to $1,500 spent each quarter. The other rewards are 5% on travel purchased through Chase and Lyft rides, 3% on dining and drugstore purchases, and 1% on everything else. You can get the $200 welcome offer by spending $500 in the first 3 months. The card offers a 15-month interest-free period on purchases and transfers (17.24% - 25.99% Variable after) and has no annual fee.

            Read more about Chase Freedom Flex℠

            Chase Ink Business Unlimited®

            The Chase Ink Business Unlimited® offers businesses a 1.5% cash back rate on all purchases plus a generous $750 sign-up bonus if they spend $7,500 within the first 3 months after opening the account. We’re sure businesses will appreciate the 12-month 0% APR offer on purchases (15.49% - 21.49% variable after) which is great to finance office purchases interest-free. This card has no annual fee, and you can get a card for each employee at no additional cost.

            Read more about Chase Ink Business Unlimited®

            Chase Sapphire Preferred®

            The Chase Sapphire Preferred® is one of the best premium travel cards, and it will greatly benefit travelers who love dining out, too. With this card, you'll earn 5 points per dollar on travel 3 points on grocery, select streaming services and dining, while all the other purchases earn 1 point. The generous 60,000 points welcome bonus is worth $750 when redeemed for travel through the Chase Ultimate Rewards. To get the bonus new cardholders are required to spend $4,000 in the first 3 months. The card comes with several travel benefits, which make it well worth the $95 annual fee.

            Read more about Chase Sapphire Preferred®

            Chase Sapphire Reserve®

            If you think the Sapphire Preferred® is great, wait till you hear about the Sapphire Reserve®. This one will earn you 10x points on hotels, car rentals, Chase dining purchases, 5x points on flights, 3 points on travel and dining and 1 point on everything else. The points earned on this card are worth 50% more when redeemed through Chase Ultimate Rewards. So, the 60,000 points sign-up bonus will be worth $900, and to get it, you will have to spend $4,000 on purchases within the first 3 months. Each anniversary year you’ll be rewarded with $300 in statement credit as reimbursement for travel. However, this card comes with a hefty $550 annual fee, so we only recommend it to the high spenders who are sure they'll spend enough to outset the fee.

            Read more about Chase Sapphire Reserve®

            Chase Ink Business Preferred®

            This great business card from Chase earns valuable rewards in several business categories – 3 points per dollar spent on shipping, advertising, telecommunication services, and travel. The rewards are capped at $150,000 annual spending in combined categories. All other purchases will earn 1 point. After spending $15,000 on purchases within the first 3 months businesses will get the 100,000 welcome bonus, which is $1,000 cash back or $1,250 worth when redeemed through Chase Ultimate Rewards. The card comes with a $95 annual fee.

            Read more about Chase Ink Business Preferred®

            What to look for in credit cards for everyday use

            Needless to say, you have to look for the categories in which you spend the most. Take a look at your monthly statements and check which category appears the most.

            Do you live far from work, so you spend a lot of money on gas? In that case consider cards like the Blue Cash Preferred® or the American Express® EveryDay® Preferred, which offer 3% and 2 points on gas purchases, respectively. Those two are also the cards to consider if you’re part of a big household and regularly have a high bill at grocery stores.

            icon-search

            The Blue Cash Preferred® has a 6% cash back rate at U.S. supermarkets and the American Express® EveryDay® Preferred 3x points rate (both capped at $6,000 spent annually, then you earn 1% and 1x points, respectively).

            If you travel on a regular basis, why not earn some rewards while doing it? The Chase Freedom Unlimited® has a great 5% cash back rate on travel (if booked through Chase Ultimate Rewards) and no annual fee. Modest travelers should also consider other no-annual-fee cards like the Discover it® Miles, whose miles they can redeem for cash back too if they decide not to travel. Those who travel often and spend a lot might want to think about a premium travel card, like the Chase Sapphire duo.

            Finally, if your spending is all over the place, the right card for you will either have quarterly rotating bonus categories or simply a great flat rate on all purchases. It depends on whether you're ready to track categories each quarter and make the most of the card or don't want to be bothered with that.

            icon-search

            The Chase Freedom Flex℠ and the Discover it® Cash Back both have a 5% cash back rate in different everyday spending bonus categories each quarter. For a flat-rate card, there are many great options too, like the Citi Double Cash (2%) or the Capital One Quicksilver (1.5%).

            Pros and cons of credit cards for daily use

            Pros

            • Rewards – obviously the best thing about credit cards for daily use. You could be earning rewards every day with every swipe.
            • Sign-up bonus – if this card is for your daily purchases, then you have great chances of reaching the spending requirement for the welcome bonus.
            • Less cash in your pocket – credit cards are safer than cash, and a standard feature of theirs is the zero-fraud liability. That means you'll be protected against any unauthorized use of your card.
            • Benefits and protection – You'll find many useful features, like extended warranties, travel insurance, car rental insurance, etc. It's always good to have as many layers of protection as there are available.

            Cons

            • Impulse purchases – it’s so easy to overspend with a daily credit card. When you pay with cash, you're more aware of the money you're spending, but paying with a credit card is less 'painful.' You don't actually see the money, so there’s a greater possibility to spend more than you should.
            • Categories tracking - If you’d rather have a card with bonus categories instead of one with a flat cash back rate, you’ll have to keep track of the categories. Especially if there are quarterly rotating bonus categories, if you’re not being strategic and don’t keep up with the changing categories, you’ll miss out on the rewards.
            • Fraud risk – be careful with your card’s details and don’t use them at places you don’t trust and aren’t big brands.
            • Cash is (sometimes) kingAlthough cards are so widely used today, there are still places that won't accept them. You can expect to pay with cash at places like local thrift shops.

            How to compare credit cards for everyday use?

            If you’ve determined the category in which you spend the most or the type of card you want, it’s time to look more deeply into the card’s other features. First, take into account the annual fee. Even though we’re talking about cards for daily use, make sure you’ll be spending enough to cover it. Then, think about whether there are other benefits you might need. If you’re planning a big purchase or a balance transfer soon, consider cards with intro APR offers on those. If you plan to use your card for purchases outside the U.S., a card with no foreign transaction fee could potentially save you some money.

            How to make the most of your credit cards for daily use?

            The first rule is to use your card any time you can. Also, try to spend the amount required for the sign-up bonus. These are the two most important things. However, credit cards are known to have many other sweet benefits and perks, like a 0% intro APR offers, first access to event tickets, purchase protection, and many, many others. Read well the card's fine print to make sure you’re taking the advantage of all of its beneficial features.

            Having two or more cards is an option too. For example, let's say you do have one category in which you spend a lot, but you also want to earn worthy rewards on all your purchases. What you could do is get a card with a high flat rate (like the Citi Double Cash), plus another one with a high rewards rate in your favorite bonus category.

            FAQ

            What are other credit cards to consider?

            Another great card for everyday use is the Discover it® Secured Credit Card. It’s a card intended for those with bad credit and offers a 2% cash back rate at gas stations and restaurants.

            Should I use my credit card every day?

            If you opt to use your credit card for everyday purchases, make sure you only use it for items you normally purchase with your debit card. If you want to avoid paying interest, make sure you can pay off what you're putting on the card on time every month.

            How many credit cards should I have?

            It's a tricky question. There is no set amount of credit cards that you should hold because everyone's purchasing patterns and needs are different. However, you should definitely start simple, with one credit card. The cards on our list all make for great cards for beginners, too, since you can use them every day. And, once you become a savvy credit card user, getting a second or third card to reap the benefits of numerous rewards is a logical next step in your financial path.
            Hanna VolkavaHanna Volkava

            Financial and product expert

            hv@myfin.us