Credit Cards, Insights

Best Credit Cards For Everyday Use in 2022

flik eco finance personal best credit cards for everyday use

If you’re looking for the best credit card for everyday use, you’ve come to the right place. In this guide, we will discuss the best credit cards available for people who want to use their card for everyday expenses.

We’ll also provide tips on how to choose the best card for your needs.

So whether you’re looking for a card with low interest rates or one that offers cash back rewards, we have got you covered!

What Are Credit Cards For Everyday Use?

Credit cards for everyday use are best suited for people who have good credit and want to earn rewards on their everyday purchases. The best credit cards for everyday use offer great rewards, low interest rates, and valuable perks like cash back or travel insurance.

If you’re looking for a credit card that will help you save money on your everyday spending, then you should definitely consider one of the best credit cards for everyday use. Here are some of the best options currently available:

Chase Freedom Unlimited

This is an excellent choice for people who want to earn rewards on their everyday spending. You’ll earn unlimited cash back on every purchase, and there’s no annual fee. Plus, you’ll get a 0% intro APR on purchases and balance transfers for the first 15 months.

Capital One VentureOne Rewards Credit Card

This is a great option for people who want to earn rewards on their everyday spending. You’ll earn unlimited miles on every purchase, and there’s no annual fee. Plus, you’ll get a 0% intro APR on purchases and balance transfers for the first 12 months.

Citi Double Cash Card

This is an excellent choice for people who want to earn cash back on their everyday spending. You’ll earn cash back on every purchase, and there’s no annual fee. Plus, you’ll get a 0% intro APR on balance transfers for the first 18 months (then a variable rate of 14.49% – 24.49%).

What Are The Different Types of Credit Cards For Everyday Use?

There are many different types of credit cards for everyday use, and each has its own set of benefits and drawbacks. The best credit card for you will depend on your spending habits and what you value most in a credit card. Here are some of the most popular types of credit cards for everyday use:

Cash Back Credit Cards

Cash back credit cards offer a percentage of cash back on all of your purchases, typically between one and five percent.

Some cash back cards also offer bonus categories where you can earn even more cash back, such as six percent cash back on groceries or three percent cash back on gas.

Cash back cards are a great option for people who pay their balance in full every month and want to earn rewards on their everyday spending.

Balance Transfer Credit Cards

Balance transfer credit cards offer 0% APR on balance transfers for a promotional period, typically between 12 and 21 months.

This can be a great way to save money on interest if you have a high interest rate credit card balance that you want to pay down.

However, balance transfer cards usually have a balance transfer fee of three to five percent, so you’ll need to factor that into your decision.

Rewards Credit Cards

Rewards credit cards offer points or miles that you can redeem for travel, cash back, or other perks. The best rewards cards will offer bonus points in categories that align with your spending habits, such as two points per dollar spent on travel or dining out. Rewards cards are a great option for people who want to earn rewards on their everyday spending.

0% APR Credit Cards

0% APR credit cards offer a promotional period of time where you will not accrue any interest on your purchases or balance transfers. This can be a great way to save money on interest if you plan on carrying a balance or making a large purchase. However, 0% APR cards usually have a higher than average interest rate once the promotional period ends, so you’ll need to make sure you pay off your balance before that happens.

What Are The Benefits of Getting Credit Cards For Everyday Use?

There are many benefits of getting credit cards for everyday use. One of the best benefits is that you can earn rewards points every time you use your card.

These points can be used to get cash back, gift cards, or even free travel.

Another great benefit is that you can build up your credit history by making on-time payments with your credit card. This will help you in the future if you ever need to apply for a loan or other type of credit.

Finally, having a credit card can help you in an emergency by giving you access to funds that you may not have otherwise.

What Are The Best Credit Cards For Everyday Use & Details of Their Offers?

Now let’s take a look at the best credit cards for everyday use, based on your needs.

For those with excellent credit scores (750 and above), we recommend the following cards:

Capital One Venture Rewards Credit Card

Best for travel rewards. Get two miles per dollar spent on all purchases. There’s also a large sign-up bonus: Earn 50,000 bonus miles after you spend $3000 on purchases within the first three months.

Citi Double Cash Card

Best for cash back. Get two percent cash back on all purchases — one percent when you buy, and another percent when you pay your bill. There’s no annual fee, and there’s a 0% intro APR on balance transfers for 18 months (then a variable rate of 16.74% – 25.49%).

For those with good credit scores (700-750), we recommend the following cards:

Chase Freedom Unlimited

Best for flat-rate cash back. Earn unlimited one and a half percent cash back on all purchases. New cardholders can also earn a $200 bonus after spending $500 on purchases in the first three months.

Discover it Cash Back

Best for rotating bonus categories. Earn five percent cash back on up to $1500 in combined purchases in bonus categories each quarter you activate. Plus, earn unlimited one percent cash back on all other purchases — automatically. There’s also a 0% intro APR on balance transfers for 14 months (then a variable rate of 13.49% – 24.49%).

For those with average credit scores (660-699), we recommend the following card:

Capital One Platinum Credit Card

A good option for those who want to rebuild their credit score. There’s no annual fee, and you’ll get access to a higher credit limit after making your first five monthly payments on time. You’ll also get a 0% intro APR on purchases and balance transfers for 15 months (then a variable rate of 24.99%).

These are just a few of the best credit cards for everyday use. Be sure to compare offers and read the fine print before applying to find the best card for you. And remember, always pay your bill in full and on time to avoid interest and late fees.

How to Decide Which Type of Credit Cards For Everyday Use You Want?

There are a few things to consider when deciding on which type of credit card you want for your everyday use. The first thing is what type of rewards you are looking for. Do you want cash back, points, or miles? Each one has its own advantages and disadvantages.

The second thing to consider is the interest rate. This is important because it will affect how much you end up paying in the long run if you carry a balance on your card. The lower the interest rate, the less you will pay in interest.

The third thing to consider is annual fees. Some cards have annual fees that can range from $0-$500. You need to decide if the benefits of having the card are worth the annual fee.

The fourth thing to consider is the credit limit. This is the maximum amount of money you can charge on your card. Some people like having a high credit limit so they can make large purchases without having to worry about being declined. Others prefer a lower credit limit so they don’t have to worry about getting into debt.

The fifth and final thing to consider is whether or not you want a secured or unsecured card. A secured card requires a deposit, which is usually equal to your credit limit. An unsecured card does not require a deposit.

Once you’ve considered all of these factors, you should have a good idea of which type of credit cards for everyday use are best for you.

How Many Credit Cards For Everyday Use Should Someone Have?

If you’re like most people, you probably have at least one credit card. But is that really enough? If you’re not using your credit cards wisely, you could be racking up a lot of debt without even realizing it.

There’s no magic number when it comes to the best credit cards for everyday use. However, experts generally recommend having at least two or three different cards. This way, you can take advantage of different rewards programs and interest rates.

What Credit Limit Do Credit Cards For Everyday Use Have?

The best credit cards for everyday use usually have a credit limit of $500 to $1000. This is enough to cover most of your daily expenses without putting you at risk of going over your limit.

Do Credit Cards For Everyday Use Report to The Three Major Credit Bureaus?

If you want to improve your credit score, using a credit card for everyday purchases is a great way to do it. But only if the credit card issuer reports your activity to the three major credit bureaus.

Most issuers report to all three bureaus, but there are a few that don’t. So if you’re looking for a new credit card, be sure to check whether or not the issuer reports to the bureaus before you apply.

What is The Best Way to Use Credit Cards For Everyday Use?

There are a lot of different ways to use credit cards, but what is the best way to use them for everyday expenses? This is a question that I get asked a lot, and it’s one that I’m always happy to answer.

The best way to use credit cards for everyday expenses is to choose a card that offers you the best rewards for your spending.

There are a lot of different rewards programs out there, so you’ll need to do some research to find the one that best suits your needs.

For example, if you travel often, you’ll want a card that offers you points or miles for your spending.

If you’re someone who likes to dine out frequently, then you’ll want a card that gives you cash back on your restaurant purchases.

Once you’ve found the best rewards program for your spending habits, you’ll need to make sure you’re using your credit card wisely.

That means paying your balance in full each month and never carrying a balance from one month to the next.

If you can do this, you’ll be well on your way to using credit cards for everyday expenses without having to worry about debt or interest charges.

Do The Best Credit Cards For Everyday Use Have Any Annual Fees?

The best credit cards for everyday use offer great perks and rewards, but they don’t come with annual fees. That’s because the best credit cards for everyday use are designed to be used often, so there’s no need to worry about an annual fee eating into your savings.

Do The Best Credit Cards For Everyday Use Have Rewards Programs?

Most credit cards for everyday use offer some type of rewards program. The best programs typically offer cash back or points that can be redeemed for merchandise, travel, or gift cards.

Some programs may also offer special perks, such as access to exclusive events or discounts on certain products and services.

Do The Best Credit Cards For Everyday Use Offer 0% APR?

The best credit cards for everyday use offer 0% APR on purchases and balance transfers for a limited time. After that, a variable APR applies.

Do The Best Credit Cards For Everyday Use Come With Sign-Up Bonuses?

The best credit cards for everyday use offer a variety of perks and benefits that can save you money and earn you rewards. But do they come with sign-up bonuses?

Sign-up bonuses are a great way to earn extra points, miles, or cash back on your new credit card. And while some of the best credit cards for everyday use do come with sign-up bonuses, not all of them do.

Best Credit Cards For Everyday Use With Bad Credit

Bad credit can make it difficult to get approved for a new credit card, but there are still some options available. Here are the best credit cards for everyday use if you have bad credit:

  • The Capital One Platinum Credit Card offers 0% APR on purchases and balance transfers for the first 15 months, plus no annual fee.
  • The Discover it Secured Credit Card also offers 0% APR on purchases and balance transfers for the first 14 months, plus no annual fee.
  • The Wells Fargo Platinum Visa® Card offers 0% APR on purchases and balance transfers for 18 months, although there is a $0 annual fee.

If you have bad credit and are looking for a credit card to use for everyday expenses, these are some of the best options available. Be sure to compare each card before you decide which one is right for you.

Does Amex Have Credit Cards For Everyday Use?

American Express is a popular credit card issuer, but does it have any credit cards that are good for everyday use? The answer is yes! American Express has several credit cards that would be great for your everyday spending.

Some of the best American Express credit cards for everyday use include the Blue Cash Everyday® Card from American Express, the American Express® Gold Card, and the Platinum Card® from American Express.

All of these credit cards offer great rewards and perks that can help you save money on your everyday purchases.

If you’re looking for a cash back credit card, the Blue Cash Everyday® Card from American Express is a great option.

This card offers Earn up to $200 back after you spend $1000 in purchases on your new Card within the first three months of Card Membership.

You’ll also earn cash back on all of your everyday purchases, including gas, groceries, and dining out.

The American Express® Gold Card is a great choice for those who spend a lot on dining and travel.

This card offers Earn 25,000 Membership Rewards® Points after you spend $2000 on eligible purchases with your new Card within the first three months of Card Membership.

You’ll also earn four times the points on restaurants worldwide, including takeout and delivery, and four times the points at U.S. supermarkets (on up to $25,000 per year in purchases).

Plus, you’ll get three times the points on flights booked directly with airlines or through amextravel.com.

If you’re looking for a premium credit card with lots of perks, the Platinum Card® from American Express is a great option.

This card offers Earn 60,000 Membership Rewards® points after you spend $5000 on eligible purchases with your new Card within the first three months of Card Membership.

You’ll also get up to $200 in statement credits each year for Uber or Uber Eats purchases, five times the points on flights booked directly with airlines or through amextravel.com, and access to over 1200 airport lounges worldwide.

No matter what your spending habits are, there’s an American Express credit card that’s perfect for you.

Is It Easy to Qualify for Credit Cards For Everyday Use?

The best credit cards for everyday use are ones that you can qualify for easily. You don’t want to have to jump through hoops or wait months to get approved. The best credit cards for everyday use should also have low interest rates and fees.

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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