Are you tired of spending hours searching for the perfect credit card for your everyday needs? Look no further! In this article, we will guide you through the top credit cards for everyday use that will not only make your spending habits more convenient but also reward you for it. Let's find your perfect match and start racking up those rewards!
Best Credit Cards For Everyday Use Table of Contents
Why Choose a Credit Card for Everyday Use?
Why Choose a Credit Card for Everyday Use?
Having a credit card specifically for everyday expenses can help you earn rewards, track your spending, and even improve your credit score. To make the most of these benefits, it's essential to find a card that aligns with your spending habits and financial goals.
Features to Consider When Choosing a Card
- Rewards: Look for credit cards that offer points, miles, or cashback on your everyday purchases. Choose a card that rewards your spending in categories that matter to you, such as groceries, gas, or dining out.
- Annual Fee: Many everyday credit cards do not charge an annual fee, while some do but offer increased rewards to justify the expense. Consider whether the rewards you'll earn outweigh the annual fee before making your decision.
- Interest Rate: Credit card interest rates can vary, so it's essential to compare different cards to find the best rate possible. Remember, if you pay off your balance in full each month, you won't need to worry about interest rates.
- Introductory Offers: Some credit cards offer sign-up bonuses or introductory rewards that can help you jumpstart your earnings. Be sure to read the fine print and make sure you can meet the requirements to earn these rewards.
Our Top Picks for the Best Everyday Credit Cards:
1. Chase Freedom Unlimited
With no annual fee and a straightforward rewards structure, the Chase Freedom Unlimited is our top pick for everyday expenses. Cardholders earn 1.5% cashback on all purchases, making it a great choice for those who want a fuss-free rewards card. Additionally, Chase offers a $200 sign-up bonus after you spend $500 within the first three months of opening your account.
2. Citi Double Cash Card
The Citi Double Cash Card offers a unique rewards structure, allowing cardholders to earn 1% cashback when making a purchase and an additional 1% when paying off their balance. This card encourages responsible credit card usage and rewards it with an effective 2% cashback on all purchases. With no annual fee, it's a solid choice for those who consistently pay their balances in full.
3. American Express Blue Cash Preferred Card
Perfect for families, the American Express Blue Cash Preferred Card offers high rewards for essential categories like groceries and gas. Cardholders earn a whopping 6% cashback on U.S. supermarket purchases, 3% cashback at U.S. gas stations, and 1% on all other purchases. While this card does have a $95 annual fee, the rewards potential justifies the expense for those who frequently spend in these categories.
Best Credit Cards For Everyday Use Example:
Meet Sarah, a savvy spender who wants to maximize her credit card rewards for her everyday expenses. After researching various cards, she decides on the Chase Freedom Unlimited. Each month, she spends an average of $500 on groceries, $200 on gas, and $300 on dining out.
Over a year, this adds up to $12,000 in spending. With her Chase Freedom Unlimited card's 1.5% cashback on all purchases, she earns a total of $180 in cashback rewards. Combine this with the $200 sign-up bonus, and Sarah has a grand total of $380 in rewards for the year – all for her everyday purchases!
There you have it, the best credit cards for everyday use that streamline your spending habits while rewarding you for it. We hope this guide was helpful in finding the perfect card for your lifestyle. Don't forget to share this article with friends and family who might find it beneficial. Also, be sure to check out Flik Eco for more personal finance guides and tips to help you navigate the exciting world of money management. Happy swiping!