Best Credit Card For All Other

You want to maximize the return on your All Other credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
First of all, if you are following our strategies, these spends are usually going towards a bonus, meaning you are getting a 15X+ return. Perhaps because of waiting on 5/24 you are looking for a card to keep in your wallet for those "other" spends? There are plenty of cards that offer a straight multipliers on all spends. These are the cards you'll use mostly when you're not trying to hit a bonus spend. (+) cards have bonuses worth adding these cards to your wallet. (-) cards have less than 1.5 cent return.
Discover It Miles Discover It Miles
3X | 3.0 Per Dollar Spent
1.5x back on statement plus 1.5x matching at the end of year one only
Discover IT Miles »
Point System
Discover »
Bank
$0
1st Year Value
0
Bonus Points
$1
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Hilton Honors Business Hilton Honors Business
5X | 3.0 Per Dollar Spent
5x on all purchases on the first $100K in purchases per calendar year.
Hilton Honors »
Point System
American Express »
Bank
$653
1st Year Value
130,000
Bonus Points
$3,000
Minimum Spend
0.6¢
Max Point Value
0.6¢
Max Point Value
Card Details
Chase Freedom Unlimited Chase Freedom Unlimited
1.5X | 2.4 Per Dollar Spent
1.5x on all purchases.
Chase Ultimate Rewards »
Point System
JP Morgan Chase »
Bank
$408
1st Year Value
25,000
Bonus Points
$500
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for All Other (+)

Multiplier Point Value Per $ Spent
Discover It Miles Discover It Miles

1.5x back on statement plus 1.5x matching at the end of year one only

 3x 1.0¢ 3.0¢
Hilton Honors Business Hilton Honors Business

5x on all purchases on the first $100K in purchases per calendar year.

 5x 0.6¢ 3.0¢
Chase Freedom Unlimited Chase Freedom Unlimited

1.5x on all purchases.

 1.5x 1.6¢ 2.4¢
Chase Ink Business Unlimited Chase Ink Business Unlimited

1.5x on all purchases.

 1.5x 1.6¢ 2.4¢
Capital One Spark Cash Capital One Spark Cash

2% cash back on all purchases

 2x 1.1¢ 2.2¢
Capital One Spark Cash Plus Capital One Spark Cash Plus

2% cash back on all purchases

 2x 1.1¢ 2.2¢
Capital One Spark Miles Capital One Spark Miles 2x 1.1¢ 2.2¢
United Club Business United Club Business

Per $1 spent on all other purchases

 1.5x 1.3¢ 2.0¢

Other Cards with Solid Value for All Other (=)

Multiplier Point Value Per $ Spent
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

 2x 1.4¢ 2.8¢
Wells Fargo Signify Business Wells Fargo Signify Business

2% cash back on all purchases

 2x 1.4¢ 2.8¢
Capital One Venture Rewards Capital One Venture Rewards 2x 1.1¢ 2.2¢
Capital One Venture X Capital One Venture X 2x 1.1¢ 2.2¢
Capital One Venture X Business Capital One Venture X Business

2X miles on every purchase

 2x 1.1¢ 2.2¢
US Bank Business Altitude Power US Bank Business Altitude Power

2X on all purchases

 2x 1.1¢ 2.2¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.0¢ 2.0¢
Discover It Cash Back Discover It Cash Back

Plus 10X cashback on select categories each quarter of your first year.

 2x 1.0¢ 2.0¢
Hilton Honors Hilton Honors 3x 0.6¢ 1.8¢
Hilton Honors Aspire Hilton Honors Aspire 3x 0.6¢ 1.8¢
Hilton Honors Surpass Hilton Honors Surpass 3x 0.6¢ 1.8¢
IHG One Rewards Premier IHG One Rewards Premier 3x 0.6¢ 1.8¢
IHG One Rewards Premier Business IHG One Rewards Premier Business 3x 0.6¢ 1.8¢
Chase Sapphire Reserve Chase Sapphire Reserve 1x 1.7¢ 1.7¢
Capital One Spark Cash Select Capital One Spark Cash Select

1.5X miles on every purchase

 1.5x 1.1¢ 1.7¢
Capital One Spark Miles Select Capital One Spark Miles Select

1.5X miles on every purchase

 1.5x 1.1¢ 1.7¢
Chase Ink Business Preferred Chase Ink Business Preferred 1x 1.6¢ 1.6¢
Chase Sapphire Preferred Chase Sapphire Preferred 1x 1.6¢ 1.6¢
World of Hyatt World of Hyatt 1x 1.6¢ 1.6¢
World of Hyatt Business World of Hyatt Business 1x 1.6¢ 1.6¢
Amex Business Platinum Amex Business Platinum 1x 1.5¢ 1.5¢
Amex Platinum Amex Platinum 1x 1.5¢ 1.5¢
Bank of America Business Travel Bank of America Business Travel

Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time no matter how much you spend. Points don't expire.

 1.5x 1.0¢ 1.5¢
Bank of America Premium Rewards Bank of America Premium Rewards 1.5x 1.0¢ 1.5¢
Bank of America Premium Rewards Elite Bank of America Premium Rewards Elite 1.5x 1.0¢ 1.5¢
Bank of America Travel Rewards Bank of America Travel Rewards

Unlimited 1.5 points for every $1 spent on all purchases

 1.5x 1.0¢ 1.5¢
Bank of America Unlimited Cash Rewards Bank of America Unlimited Cash Rewards

unlimited 1.5% cash back on all purchases

 1.5x 1.0¢ 1.5¢
Capital One Quicksilver Capital One Quicksilver 1.5x 1.0¢ 1.5¢
Amex Business Gold Amex Business Gold 1x 1.4¢ 1.4¢
Amex Business Green Amex Business Green 1x 1.4¢ 1.4¢
Amex Green Amex Green 1x 1.4¢ 1.4¢
Chase Aeroplan Chase Aeroplan 1x 1.4¢ 1.4¢
Marriott Bonvoy Bevy Marriott Bonvoy Bevy 2x 0.7¢ 1.4¢
Marriott Bonvoy Boundless Marriott Bonvoy Boundless 2x 0.7¢ 1.4¢
Marriott Bonvoy Bountiful Marriott Bonvoy Bountiful 2x 0.7¢ 1.4¢
Marriott Bonvoy Brilliant Marriott Bonvoy Brilliant 2x 0.7¢ 1.4¢
Chase Ink Business Premier Chase Ink Business Premier

Earn a total of 2.5% cash back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed.

 2x 0.7¢ 1.3¢
Southwest Rapid Rewards Performance Business Southwest Rapid Rewards Performance Business 1x 1.3¢ 1.3¢
Southwest Rapid Rewards Plus Southwest Rapid Rewards Plus 1x 1.3¢ 1.3¢
Southwest Rapid Rewards Premier Southwest Rapid Rewards Premier 1x 1.3¢ 1.3¢
Southwest Rapid Rewards Priority Southwest Rapid Rewards Priority 1x 1.3¢ 1.3¢
United Business United Business 1x 1.3¢ 1.3¢
United Club United Club 1x 1.3¢ 1.3¢
United Explorer United Explorer 1x 1.3¢ 1.3¢
United Quest United Quest 1x 1.3¢ 1.3¢
JetBlue Premier JetBlue Premier 1x 1.2¢ 1.2¢
US Bank Business Leverage US Bank Business Leverage 1x 1.1¢ 1.1¢
US Bank Triple Cash Rewards Business US Bank Triple Cash Rewards Business 1x 1.1¢ 1.1¢
Amex Blue Cash Preferred Amex Blue Cash Preferred 1x 1.0¢ 1.0¢
Marriott Bonvoy Bold Marriott Bonvoy Bold 1x 0.7¢ 0.7¢
Discover It Chrome Discover It Chrome

Purchases made at warehouse clubs, wholesale distributors and discount stores will not qualify.

 1x 0.0¢ 0.0¢

Cards Offering Some Value for All Other with Limitations (-)

Multiplier Point Value Per $ Spent
Amex Blue Business Cash Amex Blue Business Cash

2% cash back on all eligible purchases on up to $50,000 per year

 2x 1.0¢ 2.0¢
Amex Blue Business Plus Amex Blue Business Plus

2% cash back on all eligible purchases on up to $50,000 per year

 2x 1.0¢ 2.0¢
Air France KLM Air France KLM 1.5x 1.2¢ 1.8¢
United Gateway United Gateway 1x 1.4¢ 1.4¢
American Airlines AAvantage Aviator American Airlines AAvantage Aviator 1x 1.4¢ 1.4¢
American Airlines Citi Business American Airlines Citi Business 1x 1.4¢ 1.4¢
Amex Gold Amex Gold 1x 1.4¢ 1.4¢
Citi American Airlines AAdvantage Executive Citi American Airlines AAdvantage Executive 1x 1.4¢ 1.4¢
Citi American Airlines AAdvantage MileUp Citi American Airlines AAdvantage MileUp 1x 1.4¢ 1.4¢
Citi American Airlines AAdvantage Platinum Citi American Airlines AAdvantage Platinum 1x 1.4¢ 1.4¢
Marriott Bonvoy Business Marriott Bonvoy Business 2x 0.7¢ 1.4¢
Wells Fargo Autograph Wells Fargo Autograph 1x 1.4¢ 1.4¢
Wells Fargo Autograph Journey Wells Fargo Autograph Journey 1x 1.4¢ 1.4¢
Capital One VentureOne Capital One VentureOne 1.25x 1.1¢ 1.4¢
Southwest Rapid Rewards Premier Business Southwest Rapid Rewards Premier Business 1x 1.3¢ 1.3¢
Alaska Airlines Alaska Airlines 1x 1.2¢ 1.2¢
Alaska Airlines Business Alaska Airlines Business

1 mile for every $1 spent on all other purchases.

 1x 1.2¢ 1.2¢
Citi Custom Cash Citi Custom Cash 1x 1.2¢ 1.2¢
Citi Rewards Plus Citi Rewards Plus 1x 1.2¢ 1.2¢
Citi Strata Premier Citi Strata Premier 1x 1.2¢ 1.2¢
Delta SkyMiles Blue Delta SkyMiles Blue 1x 1.2¢ 1.2¢
Delta SkyMiles Gold Delta SkyMiles Gold 1x 1.2¢ 1.2¢
Delta SkyMiles Gold Business Delta SkyMiles Gold Business 1x 1.2¢ 1.2¢
Delta SkyMiles Platinum Delta SkyMiles Platinum 1x 1.2¢ 1.2¢
Delta SkyMiles Platinum Business Delta SkyMiles Platinum Business

1.5 miles per $1 spent on eligible purchases of $5,000 or more.

 1x 1.2¢ 1.2¢
Delta SkyMiles Reserve Delta SkyMiles Reserve 1x 1.2¢ 1.2¢
Delta SkyMiles Reserve Business Delta SkyMiles Reserve Business 1x 1.2¢ 1.2¢
IHG One Rewards Traveler IHG One Rewards Traveler 2x 0.6¢ 1.2¢
JetBlue JetBlue 1x 1.2¢ 1.2¢
JetBlue Business JetBlue Business 1x 1.2¢ 1.2¢
JetBlue Plus JetBlue Plus 1x 1.2¢ 1.2¢
Lufthansa Miles and More Lufthansa Miles and More 1x 1.1¢ 1.1¢
US Bank Altitude Connect US Bank Altitude Connect 1x 1.1¢ 1.1¢
US Bank Altitude Go US Bank Altitude Go 1x 1.1¢ 1.1¢
Amex Blue Cash Everyday Amex Blue Cash Everyday 1x 1.0¢ 1.0¢
Bank of America Customized Cash Rewards Bank of America Customized Cash Rewards 1x 1.0¢ 1.0¢
British Airways British Airways 1x 1.0¢ 1.0¢
Capital One Savor Capital One Savor 1x 1.0¢ 1.0¢
Citi Costco Citi Costco 1x 1.0¢ 1.0¢
US Bank Cash Plus US Bank Cash Plus 1x 1.0¢ 1.0¢
Wyndham Rewards Earner Wyndham Rewards Earner 1x 1.0¢ 1.0¢
Wyndham Rewards Earner Business Wyndham Rewards Earner Business 1x 1.0¢ 1.0¢
Wyndham Rewards Earner Plus Wyndham Rewards Earner Plus 1x 1.0¢ 1.0¢
Amazon Business Prime Amazon Business Prime 1x 0.7¢ 0.7¢
Amazon Prime Amazon Prime 1x 0.7¢ 0.7¢
Chase Disney Premier Chase Disney Premier 1x 0.7¢ 0.7¢
Hawaiian Airlines Hawaiian Airlines 1x 0.7¢ 0.7¢
Hawaiian Airlines Business Hawaiian Airlines Business 1x 0.7¢ 0.7¢