Best Credit Card for All Other
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.
3X | 3.0Per Dollar Spent
1.5x back on statement plus 1.5x matching at the end of year one only
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Discover IT Miles »
Point System
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Discover »
Bank
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$0 1st Year Value
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0 Bonus Points
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$1 Minimum Spend
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1.0¢ Max Point Value
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5X | 3.0Per Dollar Spent
5x on all purchases on the first $100K in purchases per calendar year.
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Hilton Honors »
Point System
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American Express »
Bank
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$653 1st Year Value
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130,000 Bonus Points
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$3,000 Minimum Spend
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0.6¢ Max Point Value
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$328 1st Year Value
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20,000 Bonus Points
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$500 Minimum Spend
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1.6¢ Max Point Value
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Our Top Selections for All Other (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only |
3x | 1.0¢ | 3.0¢ |
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Hilton Honors Business 5x on all purchases on the first $100K in purchases per calendar year. |
5x | 0.6¢ | 3.0¢ |
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Chase Freedom Unlimited 1.5x on all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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Chase Ink Business Unlimited 1.5x on all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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Capital One Spark Cash 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Capital One Spark Cash Plus 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Capital One Spark Miles | 2x | 1.1¢ | 2.2¢ |
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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 | ||
|---|---|---|---|---|
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
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Wells Fargo Signify Business 2% cash back on all purchases |
2x | 1.4¢ | 2.8¢ |
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Capital One Venture | 2x | 1.1¢ | 2.2¢ |
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Capital One Venture X | 2x | 1.1¢ | 2.2¢ |
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Capital One Venture X Business 2X miles on every purchase |
2x | 1.1¢ | 2.2¢ |
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US Bank Business Altitude Power 2X on all purchases |
2x | 1.1¢ | 2.2¢ |
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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 | 1.0¢ | 2.1¢ |
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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¢ |
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Discover It Cash Back Plus 10X cashback on select categories each quarter of your first year. |
2x | 1.0¢ | 2.0¢ |
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Hilton Honors | 3x | 0.6¢ | 1.8¢ |
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Hilton Honors Aspire | 3x | 0.6¢ | 1.8¢ |
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Hilton Honors Surpass | 3x | 0.6¢ | 1.8¢ |
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IHG One Rewards Premier | 3x | 0.6¢ | 1.8¢ |
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IHG One Rewards Premier Business | 3x | 0.6¢ | 1.8¢ |
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Chase Sapphire Reserve | 1x | 1.7¢ | 1.7¢ |
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Capital One Spark Cash Select 1.5X miles on every purchase |
1.5x | 1.1¢ | 1.7¢ |
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Capital One Spark Miles Select 1.5X miles on every purchase |
1.5x | 1.1¢ | 1.7¢ |
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Chase Ink Business Preferred | 1x | 1.6¢ | 1.6¢ |
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Chase Sapphire Preferred | 1x | 1.6¢ | 1.6¢ |
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World of Hyatt | 1x | 1.6¢ | 1.6¢ |
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World of Hyatt Business | 1x | 1.6¢ | 1.6¢ |
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Amex Business Platinum | 1x | 1.5¢ | 1.5¢ |
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Amex Platinum | 1x | 1.5¢ | 1.5¢ |
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Amex Plum Card unlimited 1.5% cash back on the portion of your balance that you pay within 10 days of your statement closing date ( |
1.5x | 1.0¢ | 1.5¢ |
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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¢ |
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Bank of America Premium Rewards | 1.5x | 1.0¢ | 1.5¢ |
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Bank of America Premium Rewards Elite | 1.5x | 1.0¢ | 1.5¢ |
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Bank of America Travel Rewards Unlimited 1.5 points for every $1 spent on all purchases |
1.5x | 1.0¢ | 1.5¢ |
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Capital One Quicksilver | 1.5x | 1.0¢ | 1.5¢ |
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Amex Business Gold | 1x | 1.4¢ | 1.4¢ |
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Amex Business Green | 1x | 1.4¢ | 1.4¢ |
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Amex Green | 1x | 1.4¢ | 1.4¢ |
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Chase Aeroplan | 1x | 1.4¢ | 1.4¢ |
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Marriott Bonvoy Bevy | 2x | 0.7¢ | 1.4¢ |
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Marriott Bonvoy Boundless | 2x | 0.7¢ | 1.4¢ |
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Marriott Bonvoy Bountiful | 2x | 0.7¢ | 1.4¢ |
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Marriott Bonvoy Brilliant | 2x | 0.7¢ | 1.4¢ |
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Southwest Rapid Rewards Performance Business | 1x | 1.3¢ | 1.3¢ |
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Southwest Rapid Rewards Plus | 1x | 1.3¢ | 1.3¢ |
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Southwest Rapid Rewards Premier | 1x | 1.3¢ | 1.3¢ |
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Southwest Rapid Rewards Priority | 1x | 1.3¢ | 1.3¢ |
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United Business | 1x | 1.3¢ | 1.3¢ |
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United Club Infinite | 1x | 1.3¢ | 1.3¢ |
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United Explorer | 1x | 1.3¢ | 1.3¢ |
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United Quest | 1x | 1.3¢ | 1.3¢ |
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JetBlue Premier | 1x | 1.2¢ | 1.2¢ |
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US Bank Business Leverage | 1x | 1.1¢ | 1.1¢ |
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Amex Blue Cash Preferred | 1x | 1.0¢ | 1.0¢ |
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Marriott Bonvoy Bold | 1x | 0.7¢ | 0.7¢ |
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Discover It Chrome Purchases made at warehouse clubs, wholesale distributors and discount stores will not qualify. |
1x | 0.0¢ | 0.0¢ |
