Top Credit Cards for Maximizing Rewards on Everyday Spending

When it comes to credit cards, there’s no one-size-fits-all solution. Each individual has unique spending habits, and the best card for one person may not be ideal for another. For instance, if groceries are your primary expense, you might prefer a card that offers high rewards in that category. Meanwhile, someone whose biggest monthly cost is rent might opt for a card like the Bilt Mastercard®, which allows them to earn points on rent payments without incurring transaction fees.

This diversity in spending is what makes credit card rewards so appealing. There’s a perfect card for every budget and lifestyle. If you’re searching for your first credit card or considering a new one, here are four standout options that I highly recommend.

1. Chase Sapphire Reserve®

The Chase Sapphire Reserve remains my top choice, even with its recent annual fee increase from $550 to $795. This card earns Chase Ultimate Rewards points, which are among the most valuable in the rewards landscape. Not only are these points transferable to various loyalty programs, but they also offer solid earning rates in key categories like dining, travel, and Lyft rides.

Earlier this year, I redeemed 15,000 points for a flight home to Pennsylvania, saving over $300. While I didn’t have a transfer bonus for that booking, the value of the points still justified the redemption. Additionally, the card comes with excellent travel protections, including primary rental car insurance and trip delay reimbursement, plus no foreign transaction fees.

The Sapphire Reserve also offers statement credits that can offset the annual fee, making it a worthwhile investment for frequent travelers.

2. American Express® Gold Card

The American Express Gold Card is another favorite on my list. This card shines when it comes to dining and grocery purchases, earning Membership Rewards points that can be transferred to airline partners like Delta and JetBlue. I often use this card for hosting dinners, whether I’m cooking a simple meal or preparing something more elaborate.

Recently, I used Membership Rewards points to cover part of a trip to Oahu, allowing my mom to join me from New York to Seattle before we flew to Hawaii together. The ability to share experiences like this is invaluable, and it’s made possible by the flexibility of transferable points.

3. Hilton Honors American Express Aspire Card

If you’re looking for a cobranded hotel card, the Hilton Aspire is a fantastic option. With excellent earning rates on Hilton stays and numerous benefits that help offset its $550 annual fee, this card is designed for frequent travelers. One of my favorite perks is the annual flight credit of up to $200, which can be used for airline purchases.

Additionally, the Hilton Aspire provides an annual credit of up to $400 for eligible purchases at Hilton resorts, which I’ve maximized during stays at properties like the Hilton Waikiki Beach Resort. This has significantly reduced my travel expenses, especially for dining.

4. American Express® Blue Cash Preferred Card

For those seeking a versatile multipurpose card, the Blue Cash Preferred is an excellent choice. With an introductory $0 fee for the first year and a $95 annual fee thereafter, it’s a great way to dip your toes into the world of credit card rewards. This card offers impressive cash back rates, including 6% at U.S. supermarkets (up to a $6,000 annual spend cap), 3% on U.S. gas stations, and 3% on transit.

I’ve consistently earned around $200 in cash back each year, and the card also includes a $120 streaming credit, which can offset the annual fee if you subscribe to services like Disney+, Hulu, or ESPN+.

Maximizing Your Rewards Strategy

These four credit cards align well with my spending habits and provide exceptional value in the travel and dining categories. By diversifying my rewards strategy, I can earn both transferable points and cash back, giving me flexibility when it comes to booking travel or making purchases.

While these are my current favorites, I also maintain several no-annual-fee cards that offer additional benefits. Whether you’re just starting your credit card journey or are a seasoned rewards enthusiast, the best cards are those that cater to your unique spending patterns and financial goals.

Credit cards can be a powerful tool for maximizing your everyday spending, allowing you to earn rewards that can lead to unforgettable travel experiences or cash back that enhances your budget. As you explore your options, consider how each card can align with your lifestyle and spending habits to make the most of your rewards strategy.