Best Credit Cards For Everyday Purchases

By Jason Steele. Last updated 21 September 2017. 0 comments

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If you have a lot of fixed monthly expenses, using a credit card (and paying it off every month) is not only convenient, but smart if you’re using the right one to maximize rewards. It may sound complicated, but using the best credit card for different purchases will get you the most bang for your buck. You’re spending that money and you’re using a credit card anyway, so why not just make sure you’re taking out the right one?

Let's take a look at the most popular everyday purchases, and see which credit card can offer you the most valuable rewards.

Groceries

The Blue Cash Preferred® Card from American Express is the clear standout when it comes to grocery store rewards. It offers a whopping 6% cash back on up to $6,000 spent each year at U.S. supermarkets (1% after that). And since a typical supermarket offers all sorts of items from flowers and gifts to pharmaceuticals and household supplies, it's not hard for you to earn 6% cash back on many types of purchases other than food. You can also earn 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases. This card also offers new applicants $200 cash back (as a statement credit) after you spend $1,000 in purchases in your first 3 months. Terms apply. The annual fee is $95.

Click here to learn more and apply for the Blue Cash Preferred® Card from American Express today!

Gas

If you’re commuting every day, you’re probably spending a lot in gas. You can mitigate that by using a good gas rewards credit card. The Bank of America® Cash Rewards Credit Card offers 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in gas, grocery, and wholesale club combined spending each quarter). In addition, new cardholders receive $150 cash back after making $500 in purchases within the first 90 days of account opening. There is no annual fee.

Click here to learn more and apply for the Bank of America® Cash Rewards Credit Card today!

Dining

For many busy Americans, eating out is a major everyday expense. One of the best credit cards to use for dining is the Chase Sapphire Preferred®. Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. These Ultimate Rewards points are worth 1.25 cents each toward travel reservations, and potentially much more when transferred to airline miles or hotel points. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®. There is a $95 annual fee for this card that is waived the first year.

Click here to learn more and apply for the Chase Sapphire Preferred® Credit Card today!

Entertainment

Whether you are visiting an amusement park or a dance club, it's nice to get rewards for your time out around town. The Citi ThankYou® Preferred card from our partner Citi offers 2x points on all dining out and entertainment expenses and 1x point for all other purchases. You can redeem 2,500 points for $25 in gift cards, electronics, and other rewards when you redeem at thankyou.com. There is no annual fee for this card.

Click here to learn more and apply for the Citi ThankYou® Preferred Credit Card today!

Department Stores

Store credit cards may offer great rewards for a specific store, but you may not earn anything if you use the card anywhere else. With the Blue Cash Everyday® Card from American Express, you earn 2% cash back at select U.S. department stores and at U.S. gas stations, plus 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, 1% after that). Earn 1% on other purchases that don't fall under the bonus categories. As a welcome offer, new applicants can earn $150 after spending $1,000 on purchases in the first 3 months. Terms apply. There is no annual fee. See rates and fees.

Click here to learn more and apply for the Blue Cash Everyday® Card from American Express today!

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