1
Best no-fee pick
Citi Double Cash
2x on everythingThankYou Points
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
1.8%
Avg no-fee back
1.9%
Avg with-fee back
3%
Best rate available
$533
Avg with-fee cost/yr
Spend about $1,280,000/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/yr2
Runner-up
Fidelity Rewards Visa
2x back — full value only when deposited into a qualifying Fidelity accountCash Back
3
Also good
Chase Freedom Unlimited
1.5x on everythingUltimate Rewards
4
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
Card type
Card network
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?
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.
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