Situational Guide · January 9, 2026

Best Credit Cards for Everyday Spending

Best Credit Cards for Everyday Spending

Not every purchase fits a bonus category. Here are the best cards for everyday, non-category spending.

The 2% Standard

For non-category spending, 2% is the benchmark. Any card earning less on “everything else” leaves money on the table.

The Bottom Line

Everyone needs a solid everyday card. Wells Fargo Active Cash or Citi Double Cash earns 2% on everything with no annual fee—the foundation of any rewards strategy.

Last updated: January 9, 2026

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