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
4 cards
#1
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
#2
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
#3
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
#4
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
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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