Updated: April 10, 2019
Best Credit Cards for Everyday PurchasesWhether you’re purchasing groceries for your family, filling up the gas tank or dining out with friends, we all have a long list of everyday purchases — and they add up quickly! While you may be temped to reach for your debit card to cover such charges, you’re doing yourself a disservice, as there are a number of credit cards out that earn some serious rewards on everyday purchases. Don’t believe us? Keep reading to see our list of the best credit cards for everyday purchases.


Best for customizable rewards: Bank of America Cash Rewards credit card

  • $200 online cash rewards bonus for spending $1,000 on purchases in the first 90 days
  • 3% cash back on the category of your choice
  • 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then it’s 1%)
  • 12-month 0% intro APR on purchases and on balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum)

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Bank of America Cash Rewards credit card, which has no annual fee, is the only card on this list with customizable rewards, meaning you can choose what you want to earn cash back on! You can change your 3% category every month and choose between (1) gas, (2) online shopping, (3) dining, (4) travel, (5) drug stores as well as (6) home improvement and furnishings. This gives you the flexibility to adjust your card’s rewards to your spending needs, as July’s everyday purchases probably aren’t the same as December’s everyday purchases. Additionally, cardholders will get a 0% intro APR for 12 billing cycles on purchases and balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum). Check out our Bank of America Cash Rewards credit card review to learn more.


Best for supermarkets and gas: Citi Rewards+ Card

  • 15,000-point bonus when you spend $1,000 on purchases in the first 3 months
  • 2X points at supermarkets and gas stations (up to $6,000/year in purchases, then 1X points) and 1X points on all other purchases
  • Citi automatically rounds points up to the nearest 10 points on every purchase (with no cap)
  • 12-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum)

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: The Citi Rewards+ Card (a NextAdvisor advertiser) offers some strong rewards at supermarkets and gas stations with a 12-month 0% intro APR period and no annual fee. Cardholders earn 2X points at supermarkets and gas stations (up to $6,000/year in purchases, then 1X points) as well as 1X points on all other purchases. The aspect of the card that we really love is the 10-point rounding perk, as it can really help you make the most of your purchases. Here’s how it works: if you spend $14.25 on lunch, which at 1X back per $1 would be 14.25 points, you’ll get a total of 20 points back! This rounding also applies to 2X-point purchases made at supermarkets and gas stations, which is why we love it so much! Visit our Citi Rewards+ Card review to see what else this card offers.


Best for dining out: Capital One Savor Cash Rewards Credit Card

  • $500 cash back bonus after spending $3,000 on purchases within the first 3 months of account opening
  • Unlimited 4% cash back on dining and entertainment
  • Unlimited 2% cash back at grocery stores and 1% on all other purchases
  • No foreign transaction fees 
  • $0 intro annual fee for the first year (then it’s $95/year)

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: If you’re a foodie, the Capital One Savor Cash Rewards Credit Card should be in your wallet. That’s because an unlimited 4% cash back on dining and entertainment is almost impossible to beat! Capital One categorizes entertainment as purchases at movie theaters, tourist attractions, amusement parks, zoos and more, giving you lots of opportunities to earn cash back. The card’s $500 bonus is also the highest cash back bonus of any card we review, making the card even more appealing. There is a $95 annual fee, but it’s waived for the first year. Want to learn more? Check out our Capital One Savor Cash Rewards Credit Card review to get all the details.

If you can’t stomach the thought of an annual fee, you’ll likely prefer the annual-fee-less sister card, Capital One SavorOne Cash Rewards Credit Card.


Best for all purchases: Chase Freedom Unlimited

  • 3% cash back on all purchases made in the first year (up to $20,000 spent)
  • After that, earn an unlimited 1.5% cash back on all purchases
  • No rotating categories or sign ups needed to earn cash back
  • 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum)
  • No annual fee
  • Free credit score that’s updated weekly via Credit Journey

Credit required: Good to excellent credit (usually considered a credit score of 700 or higher)

Why we like it: Chase Freedom Unlimited is the perfect card for someone who makes some not-so-average everyday purchases. That’s because the card earns 3% cash back on all purchases made in the first year (up to $20,000 spent) — that’s up to $600 back! After that, you’ll earn an unlimited 1.5% cash back on all purchases. This means purchases made at the the gas station will earn the same as a purchase made to cover your electric bill. On top of that, the card has no annual fee and a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee, $5 minimum). Visit our Chase Freedom Unlimited review to get the full scoop on this card.


Not finding the right card for your everyday purchases? Visit our rewards credit card reviews to see what cards may better fit your needs.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.