Top 10 Points Credit Cards for Everyday Spending Bonuses

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When it comes to everyday spending bonuses, you have plenty of cards to choose from. We’ve selected the top ten credit cards for everyday spending, meaning you can get more than a 1% rewards rate on more than one “everyday spending” category, such as gas or groceries.

In this post, we’re focusing on credit cards that earn points or miles in a rewards program. Take a look and see if any of these capture your interest!

1. Citi ThankYou Cards

There are 3 different versions of this card, and each one offers some great bonuses.

The Citi ThankYou Preferred card offers a 20,000 point sign on bonus after spending $1,500 in the first three months. Earn two points for every dollar spent on dining, travel and entertainment, one point on every dollar spent in other categories. There is no annual fee for this card. There is a 12 month 0% introductory APR on purchases and balance transfers. You can redeem your points for cash, statement credit or gift cards. There is a separate offer for the Citi ThankYou Preferred card which also has no annual fee and offers a 15-month 0% introductory APR with no annual fee, and no sign on bonus.

The Citi ThankYou Premier credit card has a 20,000 point bonus after spending $2,000 in the first three months, and an additional bonus of 30,000 points after spending another $3,000 in the first three months of the second year you have the card. Earn 3 points for every dollar spent on dining, travel and entertainment, one point on all other purchases. There is no annual fee. Redeem for cash, statement credit, travel rewards and gift cards.

The Citi ThankYou Prestige offers 30,000 ThankYou points after spending $2,000 in the first 3 months of card membership. Earn 3x points on Air Travel and Hotels, 2x points on Dining at Restaurants and Entertainment and 1 ThankYou Point per $1 spent on other purchases.

2. Barclaycard Arrival World Mastercard

Earn 20,000 bonus points after spending $3,000 in the first three months. Earn two miles per dollar spent on all dining and travel purchases, one point per dollar on all other purchases. There is an introductory APR of 0% for the first 12 months that you have this card. Redeem for cash back or travel rewards; when redeeming for travel rewards you earn an additional 10% bonus on the travel purchases. There is no annual fee for this card.

Apply Now: Barclaycard ArrivalTM World MasterCard®

3. Chase Sapphire Preferred

Earn 40,000 bonus points when you spend $3,000 in the first three months that you have the card. Earn an additional 5,000 points for adding another authorized user in the first three months. Earn two points for every dollar spent on dining and travel purchases, and one point for every dollar spent in other categories. Redeem for cash, travel, gift cards and more. There is no annual fee for the first year, after that the annual fee will be $95.

4. Barclaycard Rewards Mastercard

Although there is no sign on bonus for this card, you will earn two points for every dollar spent on gas, groceries, and utilities. Earn one point for every dollar spent in other categories. There is no introductory APR for this card. Redeem your points for travel, cash back, or gift cards. There is no annual fee for this card.

Apply Now:

Barclaycard® Rewards MasterCard® – Excellent Credit

Barclaycard® Rewards MasterCard® – Average Credit

5. American Express Premier Rewards Gold Card

Earn 25,000 Membership Rewards points after spending $2,000 in the first three months you have the card. Earn three points for every dollar spent on flights, two points for every dollar spent at gas stations and grocery stores, and one point for every dollar spent in other categories. There is no annual fee for the first year, after that the annual fee will be $175. Redeem your points with flexible options through many travel partners or gift cards.

6. Amex Everyday Preferred Card

Earn 15,000 points, plus a one year membership to Amazon Prime (worth $99 per year) after spending $1,000 in the first three months that you have the card. Earn a 50% bonus on all points when you make at least 30 purchases per month using the card. Earn three points for every dollar spent at grocery stores, up to $6,000 annually. Earn two points for every dollar spent at gas stations. Earn one point for every dollar spent on all other purchases. There is an introductory APR of 0% for the first 15 months. Use your Membership Rewards to pay for flights and hotel stays. The annual fee for this card is $95.

7. Citi Hilton HHonors Visa Signature Card

Earn 40,000 bonus sign on points after spending $1,000 in the first three months you have the card. Earn six points for every dollar spent at Hilton hotels. Earn three HHonors points for every dollar spent at grocery stores, gas stations and drug stores. Earn two HHonors points for every dollar spent on all other categories. There is no annual fee for this card. Redeem your HHonors points for hotel stays at participating Hilton group hotels and other travel.

8. Playstation Card from Capital One

Earn 5,000 bonus points after you make your first purchase in the first 90 days that you have the card. Earn 10 points for every dollar spent on Playstation Store purchases. Earn three points for every dollar spent on Playstation purchases at Sony Stores. Earn three points for every dollar spent on quick serve restaurants, movie theaters and mobile phone service. Earn one point for every dollar spent in other categories. There is a 0% introductory rate until September 2015 on purchases and balance transfers. Redeem your points for Sony products, movies, music and more. There is no annual fee for this card.

9. USAA Rewards Amex

Earn two points for every dollar spent on gas station and grocery store purchases. Earn a 2,500 point bonus after making your first purchase within the first three months you have the card. Redeem your points for cash, gift cards, travel and more. There is no annual fee for this card.

Apply Now: USAA Rewards™ American Express®

10. PayPal Mastercard and eBay Mastercard

Earn three points for every dollar spent at gas stations and restaurants. Earn two points for all PayPal and eBay transactions. Earn one point for every dollar spent in other categories. There is no annual fee for this card.

Each of these cards has something special to offer when it comes to earning rewards for your every day spending. Any time you can earn more than one point for every dollar you spend, it is worth taking a look at the options!

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