1
Best no-fee pick
Citi Double CashorFidelity Rewards Visa
2x on everythingThankYou Points2x back — full value only when deposited into a Fidelity accountCash Back
Best Catch-All Credit Cards
The best flat-rate cards for everything that falls outside a bonus category — ranked by raw earn rate.
Best cards for uncategorized spend
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Chase Freedom Unlimited
1.5x on everythingUltimate Rewards
3
Also good
Any card earning >1% base
Floor for all other spend
Top picks — with annual fee
Pays for itself if used right1
Best overall
Robinhood Gold Card
3x cash back on everything (5x on travel via Robinhood Travel) — requires an active Robinhood Gold subscription, which effectively serves as the annual feeCash BackRobinhood Gold req.
2
Best value
Capital One Venture X
2x on everythingCapital One Miles$395/yr
3
Also good
Citi Strata Elite
1.5x on everything + strong protectionsThankYou Points$595/yr
4
Also good
AmEx Gold / Platinum
1x non-category, but best-in-class purchase protectionsMembership Rewards$325–$895/yr
Honorable mentions
Annual fee
Reward type
5 cards
#1
Citi Double Cash
No FeeCash Back
2x on all purchases (1x when you buy + 1x when you pay)
Click to see redemption options
#2
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
#3
Chase Freedom Rise
No FeeCash Back
1.5x on all purchases
Click to see redemption options
#4
Discover It Miles
No FeeCash Back
1.5x Miles on all purchases
Click to see redemption options
Miles Match at end of year 1
#5
PayPal Cashback Mastercard
No FeeCash Back
1.5x everything else
- 3x PayPal checkout
- 1.5x everything else
Click to see redemption options
Not sure which one fits you?
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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) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.