Advice

5 Best Credit Cards for Everyday Purchases

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through Affiliate Programs for referrals.

September 11, 2018

Credit card offers come in all shapes and sizes, which can make it difficult to understand which one is best for you. With our independent ratings and easy-to-understand credit card comparisons, we’ve done the hard work for you. Below you’ll find the 3 best credit cards for your everyday purchases: 

Bank of America® Cash Rewards Credit Card
Key Perk: Earn more at places you shop most

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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    • No annual fee
    • NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
    • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
    • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store


With a $150 cash signup bonus that’s redeemable after spending just $500 in 90 days, you’ll appreciate very quickly how easy it is to earn rewards with the Bank of America® Cash Rewards credit card. Plus, there are plenty of other opportunities to earn rewards with 1% cash back on all purchases, 2% cash back at grocery and wholesale stores, and 3% cash back on gas for the first $2,500 in combined grocery/gas purchase each quarter. Moreover, the introductory APR rate of 0% for 12 billing cycles, covers both purchases and balance transfers then, a variable APR kicks in. A 3% fee (min $10) applies to balance transfers, but this still enables cardholders to pay off debt while avoiding interest fees. The icing on the cake is that there’s no annual fee, so there’s absolutely nothing to lose. 

Who Should Get the Bank of America® Cash Rewards Credit Card?
This card is great for families. If you have kids who you are constantly hauling around town from basketball to ballet, the gas rewards feature could earn you serious points. Additionally, if you’re spending a lot on groceries each month, this card will pay for itself in no time. On top of the extra savings on gas and groceries, you’ll still earn 1% on every other purchase you make. It’s an easy to use and easy to redeem, making it perfect for busy families. To learn more about this card, click here.

Citi® Double Cash Card - 18 month BT offer
Key Perk: 2X cash back on every purchase

Citi® Double Cash Card – 18 month BT offer

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    • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
    • No categories to track, no caps on cash back, no annual fee*


The most amazing feature of the Double Cash is that you’ll earn double cash rewards on all of your purchases, with 1% cash back when you buy the item and another 1% cash back when you pay for it. With no annual fee and one of the top cash back deals of any credit card, this is a great option for those with excellent credit. 

Who Should Get the Citi® Double Cash Card?
This card is for the shopaholic who likes flexibility. If you are constantly spending money on everyday items like clothing and food, but you rarely hit the same retailers twice, this card is for you. The Citi® Double Cash offers a great rewards rate for those who don’t want to deal with rotating rewards categories. It’s simple and easy and a great choice for no-nonsense people! To learn more about this card, click here

Capital One® VentureOne® Rewards Credit Card
Key Perk: Unlimited travel rewards that never expire

Capital One® VentureOne® Rewards Credit Card

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    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles won't expire for the life of the account and there's no limit to how many you can earn


One of the top features of the Capital One® VentureOne® is that you’ll earn 1.25 miles for every dollar spent. Considering that you can earn an unlimited amount of miles and they never expire, it’s easy to earn big rewards with the VentureOne®. With no annual fee and no foreign transaction fees, it’s an effortless way for travelers to gain rewards without any significant downsides. Furthermore, there’s a 20,000 miles signup bonus which is redeemable after spending $1,000 within 90 days. 

Who Should Get the Capital One® VentureOne® Rewards Credit Card?
Do you love to travel, but find it hard to keep funding your excursions? The Capital One VentureOne® Rewards credit card is perfect for the travel dreamer. This card allows you to earn points on every purchase you make, and then you can use those points to check off your next bucket list item. Every time you go to Target and spend way too much money (yeah we do that too), all those points will help you earn free flights towards your next adventure. Slow and steady is the name of the game with this card. To learn more about this card, click here.

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