Discover the 5 best points credit cards for everyday spending in the USA. Explore the pros, cons, and reasons to choose these top-rated credit cards for maximizing points on daily purchases.
Points credit cards are a popular way to earn rewards for everyday spending, offering points that can be redeemed for travel, merchandise, or other benefits. If you’re someone who frequently shops, dines out, or travels, using the right points credit card can help you earn valuable rewards. With so many options available, finding the best one can be overwhelming. In this article, we’ll review the 5 best points credit cards for everyday spending in USA. We’ll dive into the pros, cons, and reasons why each card could be the perfect choice for your spending habits.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a favorite among travelers and everyday spenders alike. Offering 2 points per dollar on travel and dining and 1 point on all other purchases, this card makes it easy to accumulate points on a variety of spending categories.
Pros:
- 2 points per dollar on travel and dining
- 1 point on all other purchases
- 60,000 bonus points after spending $4,000 in the first 3 months (worth $750 in travel through Chase Ultimate Rewards)
- No foreign transaction fees
- Travel perks including trip cancellation and baggage delay insurance
Cons:
- $95 annual fee
- High APR if you carry a balance
Why Choose It:
The Chase Sapphire Preferred® Card is ideal for those who want to earn points on their everyday spending, especially if they frequently travel or dine out. The 60,000-point sign-up bonus provides substantial value, and the card offers a solid rewards rate in key categories.
Website Link: Chase Sapphire Preferred® Card
2. American Express® Gold Card
For foodies and frequent travelers, the American Express® Gold Card is a standout option. Offering 4 points per dollar at restaurants (including takeout and delivery), 3 points on flights, and 1 point on all other purchases, this card rewards everyday spending in the best possible way.
Pros:
- 4 points per dollar on restaurants (including takeout and delivery)
- 3 points on flights booked directly with airlines
- 1 point on other purchases
- 60,000-point sign-up bonus after spending $4,000 in the first 6 months
- Dining credits and travel perks
Cons:
- $250 annual fee
- Limited bonus categories for everyday spending
Why Choose It:
The American Express® Gold Card is perfect for individuals who dine out frequently or travel often. The high points rate on dining makes it one of the best points credit cards for everyday spending on food-related expenses.
Website Link: American Express® Gold Card
3. Citi Premier® Card
The Citi Premier® Card is an excellent option for people who spend on travel, dining, and entertainment. Offering 3 points per dollar on travel, including gas stations, 2 points on dining and entertainment, and 1 point on other purchases, this card helps you accumulate points on common daily expenses.
Pros:
- 3 points per dollar on travel (including gas stations)
- 2 points on dining and entertainment
- 1 point on other purchases
- 60,000-point sign-up bonus after spending $4,000 in the first 3 months (worth $750 in travel)
- No annual fee for the first year ($95 annual fee after that)
Cons:
- High annual fee after the first year
- Requires good to excellent credit for approval
Why Choose It:
The Citi Premier® Card is ideal for people who want a high point accumulation rate in the most common spending categories. The 60,000-point bonus is generous, and the card rewards everyday purchases, particularly travel and dining.
Website Link: Citi Premier® Card
4. Capital One Venture Rewards Credit Card
For those who prioritize simple, straightforward rewards, the Capital One Venture Rewards Credit Card offers an easy-to-use points system. This card gives 2 miles per dollar on every purchase, making it an excellent choice for everyday spending without worrying about bonus categories.
Pros:
- 2 miles per dollar on all purchases
- 75,000-mile sign-up bonus after spending $4,000 in the first 3 months (worth $750 in travel)
- Global entry or TSA PreCheck fee credit
- No foreign transaction fees
Cons:
- $95 annual fee
- Points are primarily valuable for travel redemptions
Why Choose It:
The Capital One Venture Rewards Credit Card is perfect for people who want a flat-rate points card with a strong travel focus. The 75,000-mile bonus is generous, and it’s great for those who want to maximize their travel rewards without worrying about category restrictions.
Website Link: Capital One Venture Rewards Credit Card
5. Bank of America® Travel Rewards Credit Card
The Bank of America® Travel Rewards Credit Card is an excellent choice for those who want a simple and straightforward points card. Offering 1.5 points per dollar on every purchase and no annual fee, this card is great for anyone who wants to earn travel rewards with no extra effort.
Pros:
- 1.5 points per dollar on all purchases
- No annual fee
- 25,000-point sign-up bonus after spending $1,000 in the first 90 days (worth $250 in travel)
- No foreign transaction fees
Cons:
- Lower points rate compared to other travel cards
- Limited redemption options outside of travel
Why Choose It:
The Bank of America® Travel Rewards Credit Card is perfect for those who want simplicity without sacrificing rewards. If you’re looking for a no-annual-fee card that earns points on all purchases, this card is a solid option.
Website Link: Bank of America® Travel Rewards Credit Card
Conclusion:
Choosing the 5 best points credit cards for everyday spending in USA can enhance your financial strategy by helping you earn valuable rewards on your daily purchases. From the generous dining rewards of the American Express® Gold Card to the simple, straightforward rewards of the Bank of America® Travel Rewards Credit Card, each card offers unique benefits. Whether you prioritize travel perks, high dining rewards, or a flat-rate points system, there is a points credit card that suits your needs. Carefully assess your spending habits and choose a card that maximizes your rewards for everyday purchases.
