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Instead of juggling multiple cards, having one go-to credit card simplifies your finances and helps you maximize your rewards.

Many rewards cards focus exclusively on travel perks. But some cards cater to everyday spending, offering cash back, points, or miles on staples like gas or groceries. You can accumulate rewards faster by using the same card for your everyday spending.

Looking for the best credit card for everyday bills? Here are these five cards to consider.

The Chase Sapphire Preferred® Card is one of the most popular travel rewards cards, making it easy to earn rewards on everyday purchases. 

You can earn 5x points per dollar spent on travel booked through Chase Ultimate Rewards, 3x points on dining, including eligible delivery services, and select streaming services. You can also earn 2x points on other travel purchases and 1x points on other purchases.

Points can be redeemed for travel through the Chase Ultimate Rewards portal or transferred to partner programs, offering flexibility in how you use your rewards.

The card often offers a generous sign-up bonus, which can be redeemed for travel rewards or transferred to various airline and hotel loyalty programs. You can also get added travel perks like such as trip cancellation insurance, primary car rental insurance, and no foreign transaction fees. Terms apply. 

The Preferred card has an annual fee of $95. While the card offers bonus points for travel and dining, other everyday spending categories may not earn as many rewards compared to other cards.

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The Blue Cash Preferred® Card from American Express offers generous cash back where people spend the most: groceries, gas, and streaming services. 

The card’s bonus categories are some of the highest for a credit card: 6% cash back at U.S. supermarkets (up to $6,000 annually, then 1%), 6% cash back on U.S. streaming services, and 3% cash back on U.S. gas stations and transit. Everything else earns 1% cash back. 

Cardholders can access Amex Offers, which offers exclusive discounts and deals at select stores. You can also enroll in Amex’s Pay It Plan It feature, which splits large purchases into monthly payments for a fixed fee.

You can also typically earn an introductory offer by meeting spending requirements within a specific timeframe, instantly boosting your cashback earnings. The card often comes with a low-interest introductory APR offer for purchases and balance transfers. 

Unlike other cash back credit cards, Blue Cash has added perks, including extended warranty and purchase protection*. While there’s a $0 introductory fee the first year, you’ll have to pay an $95 annual fee after. See rates and fees. 

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This card is ideal for those who want to earn travel rewards on everyday purchases. Like Chase Freedom Unlimited, the Capital One Quicksilver Cash Rewards Credit Card earns a flat 1.5% cash back on all purchases. 

But what makes this card unique is the bonus category of 5% cash back on hotels and car rentals booked through Capital One Travel. There’s no annual fee and no foreign transaction fees, making it a solid, affordable option to use both at home and abroad.

Like other cash back cards, the Quicksilver often comes with a sign-up bonus and an introductory 0% APR period, helping you save on interest charges.

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The Citi® Double Cash Card is one of the best cash back cards for everyday spending. You earn 1% cash back when you make a purchase and an additional 1% cash back when you pay it off, totaling 2% for every purchase. 

That’s higher than most cash back credit cards out there. Plus, there’s no cap on how much cash back you can earn. 

There’s also no annual fee, and you can redeem cash back as a statement credit or gift card or convert it into points via Citi’s ThankYou Rewards program. Like other cash back cards, the Double Cash provides an introductory 0% APR period on balance transfers for a certain amount of time.

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The U.S. Bank Cash+® Visa Signature® Card is one of the most personalized cash back cards, making it a solid option to pay your everyday bills. 

Each quarter, you can choose two categories to earn 5% cash back on your first $2,000 in purchases. This perk offers flexibility and the opportunity to maximize your rewards in areas that align with your spending habits. Categories include: 

The U.S. Bank Cash+ card also offers 2% cash back on an everyday category of your choice, such as gas stations, grocery stores, or restaurants. You’ll earn 1% cash back on everything else. 

The card also doesn’t charge an annual fee and typically provides an introductory 0% APR period on purchases and balance transfers. 

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The best everyday card for you is the one that earns you the most rewards. To choose the right everyday credit card, look for one offering the most benefits for your spending habits. Consider the following:

Credit cards offer a valuable opportunity to earn rewards while making daily purchases. But it’s crucial to use credit cards responsibly. If you end up overspending and accumulating credit card debt, the rewards you earn will have little impact. 

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company