Best Credit Cards Overall

Our editorial ranking of cards by how many categories they dominate. The more #1 spots, the more versatile the card.

Rankings reflect PayWithThis’s own assessments based on our methodology and point valuations — not advice from any issuer. PayWithThis is independent and not affiliated with any bank. Always verify current terms with the issuer.

No Annual Fee
🏆 Online Shopping🏆 Wholesale Clubs🏆 Internet & Cable🏆 Office Supplies🏆 Shipping🏆 Business Services
6
#1 Spots
16
Top 3
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$375/year
🏆 Dining & Restaurants🏆 Phone & Wireless🏆 Online Advertising🏆 Food Delivery
4
#1 Spots
6
Top 3
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No Annual Fee
🏆 EV Charging🏆 Gas Stations🏆 Transit & Rideshare🏆 Entertainment
4
#1 Spots
4
Top 3
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4
No Annual Fee
🏆 Home Improvement🏆 Gym & Fitness
2
#1 Spots
4
Top 3
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5
$325/year
🏆 Groceries🏆 Travel
2
#1 Spots
3
Top 3
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6
$150/year
🏆 Car Rentals
1
#1 Spots
5
Top 3
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7
$795/year
🏆 Hotels & Lodging
1
#1 Spots
2
Top 3
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8
$95/year
🏆 Streaming Services
1
#1 Spots
2
Top 3
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9
$95/year
🏆 Select Streaming
1
#1 Spots
2
Top 3
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10
No Annual Fee
🏆 Drugstores & Pharmacies
1
#1 Spots
1
Top 3
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11
$895/year
🏆 Airfare
1
#1 Spots
1
Top 3
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12
$95/year
0
#1 Spots
13
Top 3
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13
0
#1 Spots
6
Top 3
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14
0
#1 Spots
3
Top 3
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15
No Annual Fee
0
#1 Spots
1
Top 3
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16
0
#1 Spots
1
Top 3
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17
0
#1 Spots
1
Top 3
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18
No Annual Fee
0
#1 Spots
1
Top 3
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How We Rank

Cards are ranked by the number of spending categories where they offer the highest effective return. A card that's #1 in 5 categories ranks higher than a card that's #1 in 2 categories. This helps you find the most versatile cards for everyday spending.