Best Credit Cards For Everyday Spending

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Credit Card Applications » Research » Guides » Cardholder Benefits » How To Choose The Best Credit Card For Everyday Spending in 2021

How To Choose The Best Credit Card For Everyday Spending in 2021


Updated: August 12, 2021

The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
Best Credit Card For Everyday Spending

When you reach for your wallet to pay for groceries, gas, dinner out or any other everyday purchase, are you searching for cash, a debit card or a credit card? Many people hesitate to charge this type of everyday spending to a credit card; they feel that it’s more responsible to pay by cash or debit, to avoid the risk of not being able to pay the amount back later and possibly going into debt.

But this kind of thinking can cause you to miss out on the many rewards you can get when you use a credit card to pay for everyday purchases. There are many benefits of reaching for a credit card, not cash – especially if you use the right card. Here are a few reasons to rethink your stance on cash, credit or debit next time you pull out your wallet at the register.

What are the advantages of credit over cash?

The most obvious advantage of using a credit card is that you can earn cash back with every purchase you make. Of course, paying for necessities like groceries, gas and utilities is always a drag, but when you can put a little money back in your pocket, it eases the burden of these everyday expenses a bit.

If you’re fearful that you’ll end up paying interest on these purchases, there’s a way to prevent that from happening. All you have to do is pay your balance off in full each month, and you’ll never have to pay a penny in interest. So there’s really no reason not to take advantage of this cash back earning opportunity. There’s no catch and no downside to using a credit card to pay for anything you might normally use cash or a debit card to cover.

Other benefits include the ability to track your spending easily and using online account management tools. You’ll also have complete protection from fraudulent charges, with zero-liability guarantees from all major credit cards. Some cards even offer travel insurance, roadside assistance, and concierge service to help you make restaurant reservations and find your way around when you’re on the road.

There are several different types of cashback credit cards to choose from, so if you’re ready to start trading in your cash habit for using a credit card wherever you can, choose the one that fits your lifestyle best. Whether you do most of your everyday spending at the supermarket, the gas pump, or even on hotels and airlines, you’ll find that the perfect card is out there for you.

Best rewards for all purchases:

Citi Rewards+® Card

Citi, a Credit-Land.com advertising partner, offers the Citi Rewards+® Card that allows you to earn unlimited ThankYou Point rewards. It’s a hard to beat offer for everyday spending, especially if you tend to make a lot of small purchases. You will earn 1 ThankYou® Point per dollar on all purchases, but with the Round-Up feature, you will always earn at least 10 points on any purchase you make. When you shop at supermarkets and gas stations, you will earn 2X ThankYou® Points for the first $6,000 per year and 1X Points thereafter. Plus, if you spend $1,500 on purchases within the first 3 months of account opening, you will qualify for the bonus offer of 20,000 bonus points. The card has no annual fee.

Best cash rewards for all purchases:

Citi® Double Cash Card – 18 month BT offer

For everyday spending, it’s hard to beat this card, which gives you 2% cash back on purchases: 1% when you buy and 1% as you make payments for those purchases. You don’t need to keep track of rotating categories or try to spend strategically to earn more cash back or points. This is the card you’ll definitely want to pay off in full each month, as you earn cash back when you buy and when pay off: unlimited 1% cash back when you make a purchase, plus an additional 1% back as you pay for those purchases. Plus, there’s no annual fee, and a sweet 0% APR with a balance transfer fee of 3% of each balance transfer; $5 minimum. Note that the ongoing APR will be 13.99% – 23.99% (Variable).

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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Recommended Cards for Everyday Purchases from Our Partners
Excellent, Good Credit
Excellent, Good Credit
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Apply
The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Excellent, Good Credit
Excellent, Good Credit
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Apply
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
See website for Details*
See website for Details*
See if you’re Pre-Qualified without impacting your credit score
Apply
See if you’re Pre-Qualified without impacting your credit score
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