Best cards for Everyday / everything else
Flat-rate spending with no category bonus — the rate you earn on most purchases.
Last updated
No card offers a bonus specifically for everyday / everything else, so this ranks every card by its flat “everything else” rate — plus a choose-your-category card (Citi Custom Cash, U.S. Bank Cash+) can beat a flat card if this is a category you can select.
- 1RobinhoodRobinhood Gold
3× points · at 1.0¢/pt
3.0%value back ⓘApply - 2ChaseUnited Club Infinite
2× miles · at 1.3¢/pt
2.6%value back ⓘApply - 3ChaseUnited Quest
2× miles · at 1.2¢/pt
2.4%value back ⓘApply - 4Capital OneVenture X
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 5Capital OneVenture X Business
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 6Capital OneVenture
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 7ChaseInk Business Premier
2% back
2.0%value back ⓘApply - 8American ExpressBlue Business Plus
2× points · at 1.0¢/pt
2.0%value back ⓘApply - 9Capital OneSpark Cash Plus
2% back
2.0%value back ⓘApply - 10CitiCiti Double Cash
2% back
2.0%value back ⓘApply - 11Wells FargoWF Active Cash
2% back
2.0%value back ⓘApply - 12U.S. BankU.S. Bank Smartly
2% back
2.0%value back ⓘApply
“Value back” = earn rate × the card's baseline point value (cpp) — a conservative, like-for-like estimate. Transferable points (Amex, Chase, Capital One) are often worth more than baseline. Category bonuses may be capped; see each card. All categories
How these numbers are calculated, and where every fact comes from: How we know this.
Frequently asked
What's the best credit card for everyday / everything else?
No card offers a bonus specifically for everyday / everything else, so the best value comes from your top flat-rate card (such as a 2% cash-back card) or a choose-your-category card set to a category you do spend on. By flat-rate value, Robinhood Gold leads here.
How does HopPerks rank cards?
By effective value back — the earn rate multiplied by the card's baseline point value — vendor-neutral, with per-category spend caps factored in.