Best credit cards for Everything Else

Top pick: the Bilt Palladium Card at about 4.0% back.

Best overall
4.0%
2x points

Base rate on everything

Best with no annual fee
2.3%
1.25x points

Base rate on everything

Best of your cards Add your cards to see yoursTakes 30 seconds. No account, no bank login.
What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

All cards ranked for everything else

Value points as
  1. 1
    Bilt Palladium Card
    $495/yr · Base rate on everything
    4.0%
    2x points
  2. 2
    Capital One Venture Rewards Credit Card
    $95/yr · Base rate on everything
    3.7%
    2x points
  3. 3
    Capital One Venture X Rewards Credit Card
    $395/yr · Base rate on everything
    3.7%
    2x points
  4. 4
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  5. 5
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  6. 6
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  7. 7
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  8. 8
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  9. 9
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  10. 10
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
Show all 87 cards
  1. 11
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  2. 12
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  3. 13
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  4. 14
    American Express® Gold Card
    $325/yr · Base rate on everything
    2.0%
    1x points
  5. 15
    Chase Sapphire Preferred® Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  6. 16
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  7. 17
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  8. 18
    Bilt Obsidian Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  9. 19
    Citi Strata Premier℠ Card
    $95/yr · Base rate on everything
    1.9%
    1x points
  10. 20
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  11. 21
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  12. 22
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  13. 23
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  14. 24
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  15. 25
    Hilton Honors American Express Surpass® Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  16. 26
    Hilton Honors American Express Card
    No annual fee · Base rate on everything
    1.5%
    3x points
  17. 27
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  18. 28
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  19. 29
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  20. 30
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  21. 31
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  22. 32
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  23. 33
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  24. 34
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  25. 35
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  26. 36
    IHG One Rewards Premier Credit Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  27. 37
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  28. 38
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  29. 39
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  30. 40
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · Base rate on everything
    1.4%
    1x points
  31. 41
    Marriott Bonvoy Bountiful™ Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  32. 42
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  33. 43
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  34. 44
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · Base rate on everything
    1.4%
    2x points
  35. 45
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  36. 46
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  37. 47
    United Quest℠ Card
    $350/yr · Base rate on everything
    1.4%
    1x points
  38. 48
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  39. 49
    JetBlue Plus Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  40. 50
    Southwest Rapid Rewards® Plus Credit Card
    $97/yr · Base rate on everything
    1.3%
    1x points
  41. 51
    Southwest Rapid Rewards® Premier Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  42. 52
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  43. 53
    Wyndham Rewards Earner® Plus Card
    $75/yr · Base rate on everything
    1.1%
    1x points
  44. 54
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  45. 55
    Delta SkyMiles® Gold American Express Card
    $150/yr · Base rate on everything
    1.1%
    1x points
  46. 56
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  47. 57
    Delta SkyMiles® Platinum American Express Card
    $350/yr · Base rate on everything
    1.1%
    1x points
  48. 58
    Chase Freedom Flex®
    No annual fee · Base rate on everything
    1.0%
    1x points
  49. 59
    Blue Cash Everyday® Card from American Express
    No annual fee · Base rate on everything
    1.0%
    1% back
  50. 60
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · Base rate on everything
    1.0%
    1% back
  51. 61
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  52. 62
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  53. 63
    AT&T Points Plus® Card from Citi
    No annual fee · Base rate on everything
    1.0%
    1x points
  54. 64
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  55. 65
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  56. 66
    Navy Federal More Rewards American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  57. 67
    IHG One Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    2x points
  58. 68
    Cashback Rewards Plus American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  59. 69
    American Express® Blue Cash Preferred® Card
    $95/yr · Base rate on everything
    1.0%
    1% back
  60. 70
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  61. 71
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  62. 72
    Barclays View™ Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  63. 73
    Citi Strata℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  64. 74
    Capital One Savor Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  65. 75
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  66. 76
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  67. 77
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  68. 78
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  69. 79
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  70. 80
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  71. 81
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  73. 83
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  74. 84
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee · Base rate on everything
    0.9%
    1x points
  75. 85
    Marriott Bonvoy Bold® Credit Card
    No annual fee · Base rate on everything
    0.7%
    1x points
  76. 86
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  77. 87
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Popular everything else merchants

Common questions

What's the best credit card for everything else?

Right now the Bilt Palladium Card earns the most on everything else: about 4.0% back. With no annual fee, the Capital One VentureOne Rewards Credit Card earns about 2.3%.

What counts as everything else?

Anything without a bonus category — insurance, medical bills, tuition, childcare, clothing, taxes and most other purchases.

What doesn't count as everything else?

This is where a flat-rate card (2% or more on everything) beats a category card.

Rates are effective value per dollar (points × what a point is worth to you — see how we rank). PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.