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Best credit cards for everyday use in 2024

Travel, grocery, gas stations, restaurant billing — you can attain rewards on anything. You just have to pick the credit card that matches your spending habits and financial goals.
Best credit cards for everyday use in 2024
Since credit cards strive with everyday purchasing activity, it’s a great opportunity to use them often for your purchases to maximize rewards.
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Credit cards offer you an opportunity to earn valuable rewards quickly. Stepping into 2024, there are many top credit cards to look out for everyday use. They provide you with the convenience of everyday purchases and act as a tool for building a good credit history. 

There are several popular credit cards centered specifically on your everyday purchases, thereby helping you acquire rewards or credit points. It is essential to keep your spending within budget and pay off credit bills on time. Here are the top credit cards to check out for everyday spending in their respective category in 2024.

best credit card for everyday use

CardRewardsAnnual FeeProsCons
Chase Sapphire Preferred® Card2x points on travel & dining, 1x on all other purchases, points transfer to travel partners$95Flexible rewards, travel perks, excellent valueHigh annual fee
Citi Double Cash Card2% cash back on all purchases$0Simple rewards structure, high cash back rateNo travel perks, lower welcome bonus compared to other cards
Capital One Venture Rewards Card2x miles on all purchases, miles transfer to travel partners$95Flexible travel rewards, no foreign transaction feesHigh annual fee, lower rewards rate for specific spending categories
Blue Cash Preferred® Card from American Express6% cash back on groceries up to $6,000 per year, 4% on gas & transit, 1% on all other purchases$95High rewards on groceries, gas & transit, travel perksHigh annual fee, lower rewards rate for dining and other categories
Bank of America® Cash Rewards Credit Card3% cash back on gas, 2% on groceries, 1% on all other purchases$0No annual fee, decent rewards on common spending categoriesLower rewards rate compared to other cards, no travel perks
Apple Card2% Daily Cash back on Apple purchases, 1% on all other purchases$0Apple integration, no late fees, built-in security featuresLower rewards rate compared to other cards, limited partner network
Discover it® Miles5x miles on rotating categories each quarter, 1x on all other purchases$0High bonus on rotating categories, no foreign transaction feesLower base rewards rate, miles have limited transferability

Dining – Capital One® Savor® Cash Rewards Credit Card

  • Earn up to 4% cash back on dining, entertainment & streaming services.
  • 8% cash back on Capital One Entertainment purchase.
  • 3% cash back on groceries.
  • 1% on everything else you buy.
  • $95 annual fee.
  • Earn up to a $300 cash bonus on the spending of $3000 in the first 3 months from account opening.

Wells Fargo Reflect® Card

  • 0% intro APR promotion.
  • After the promotion ends, your variable APR will be 16.74% – 28.74% for purchases and balances.
  • Doesn’t deliver rewards, but with the value of the intro APR promotion and interest you can save the value of cashback and points.
  • $0 annual fee.

Gas – PenFed Platinum Rewards Visa Signature® Card

  • Caters 5 points per $1 spent on EV charging stations and gas stations.
  • Gain 3 points per $1 spent at supermarkets and restaurants, as well as on TV, radio, cable, and streaming services.
  • Gain 1 point per $1 on all other spending.
  • Receive 15,000 bonus points on spending $1,500 in the first 90 days of account opening. 
  • No annual fee.

Students – Capital One Quicksilver Student Cash Rewards Credit Card

  • Offers 1.5% cash back on every purchase.
  • Earn up to 5% cash back on rented cars and hotels booked by Capital One Travel. 
  • Earn $100 in cash back when you spend $100 in the first three months from account opening. 
  • No annual fee. 

Groceries – Blue Cash Preferred® Card from American Express

  • $0 annual fee for the first year; later on, $95 per year.
  • Earn a $250 statement credit as a welcome bonus after you spend $3,000 in purchases within the first 6 months.
  • 6% cash back at supermarkets.
  • 6% cash back on selected streaming subscriptions.
  • 3% cash back at gas stations and transit.
  • 1% cash back on other purchases.

Also know about : Check the best secured credit cards

Transit – Bank of America® Customized Cash Rewards credit card

  • $0 Annual fee.
  • $200 sign-up bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in your preferred category.
  • 2% at grocery stores and wholesale clubs.
  • Unlimited 1% on all other purchases.

Steps to Take Before Applying for a Credit Card

Entertainment – Capital One SavorOne Cash Rewards Credit Card

  • $0 Annual fee.
  • Earn a $200 sign-up cash bonus after you spend $500 on purchases within the first 3 months from account opening.
  • 8% back on Capital One Entertainment purchases.
  • 5% cash back on hotels and rental cars booked through Capital One Travel.
  • 3% back on dining, eligible streaming services, entertainment, and purchases at grocery stores.
  • 1% cash back on all other purchases.

Since credit cards strive with everyday purchasing activity, it’s a great opportunity to use them often for your purchases to maximize the rewards.

However, it’s crucial to be mindful of the fact that credit cards should work in duality with your budgeting. If you’re still thinking about which credit card you should use, the response relies on your spending habits and preferences. So, compare cards to choose the one that fits well with your financial health.

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Fatema Yusuf

Fatema Yusuf

A passionate writer, who loves to write about anything and everything. She usually writes about finance and investment options. She enjoys talking about personal development and loves to help people grow. she loves to cook for kids and upcycle old stuff to give them a new life.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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