1
Best no-fee pick
Citi Double Cash
2x catch-allThankYou Points
Best Credit Cards for All Shopping
These are the best cards to use at places like the mall, department stores, and similar retailers. They earn more valuable points or cash back than what the store's own store card offers.
Online, in-store, and general retail
1.8%
Avg no-fee back
2.3%
Avg with-fee back
3%
Best rate available
$245
Avg with-fee cost/yr
Spend about $42,000/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
The short answer
Top picks — no annual fee
Keep forever · $0/yrTop picks — with annual fee
Pays for itself if used right1
Best overall
Robinhood Gold Card
3% cash back on everything — requires an active Robinhood Gold subscriptionCash BackRobinhood Gold req.
2
Best value
Capital One Venture
2x on everythingCapital One Miles$95/yr
3
Also good
Capital One Venture X
2x on everythingCapital One Miles$395/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
16 cards
#1
Citi Custom Cash
No FeeCash Back
1x everything else
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
#2
Discover It Cash Back
No FeeCash Back
1x everything else
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#3
Hilton Honors Surpass
Loyalty Points
4x US Online Retail
- 12x Hilton
- 6x Restaurants
- 6x Supermarkets
- 6x Gas
- 4x US Online Retail
- 3x everything else
Click to see redemption options
155,000 points after $3,000 in 6 months
#4
Chase Freedom Unlimited
No FeeCash Back
1.5x everything else
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#5
Blue Cash Everyday
No FeeCash Back
3x US Online Retail (up to $6k/yr)
- 3x US Online Retail (up to $6k/yr)
- 3x US Supermarkets (up to $6k/yr)
- 3x US Gas
- 1x everything else
Click to see redemption options
$200 after $2,000 in 6 months
#6
Apple Card
No FeeCash Back
1x everything else
- 3x Select merchants
- 2x Apple Pay
- 1x everything else
Click to see redemption options
#7
PayPal Cashback Mastercard
No FeeCash Back
1.5x everything else
- 3x PayPal checkout
- 1.5x everything else
Click to see redemption options
#8
Citi Strata Elite
Transferable Points
1.5x everything else
- 12x Hotels/Cars/Attractions via CitiTravel
- 6x Airfare via CitiTravel
- 3x Restaurants
- 1.5x everything else
Click to see redemption options
80,000 points after $4,000 in 3 months
#9
Citi Double Cash
No FeeCash Back
2x on all purchases (1x when you buy + 1x when you pay)
Click to see redemption options
#10
Navy Federal cashRewards Plus Visa
No FeeCash Back
2x on all purchases
Click to see redemption options
$250 after $2,500 in 90 days
#11
Capital One Venture Rewards
Transferable Points
2x everything else
- 5x Flights via C1 Travel
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#12
Capital One Venture X
Transferable Points
2x everything else
- 10x Hotels & Car Rentals via C1
- 5x Flights via C1
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#13
BILT Palladium Mastercard
Transferable Points
2x on all purchases (excluding rent)
- 2x on all purchases (excluding rent)
- 1x Rent (no processing fee — 5 transactions required per statement)
Click to see redemption options
50,000 BILT points after $4,000 in 3 months
#14
Chase Freedom Rise
No FeeCash Back
1.5x on all purchases
Click to see redemption options
#15
Discover It Miles
No FeeCash Back
1.5x Miles on all purchases
Click to see redemption options
Miles Match at end of year 1
#16
Navy Federal cashRewards Visa
No FeeCash Back
1.5x on all purchases
Click to see redemption options
$250 after $2,500 in 90 days
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.