the best cards for everyday spending after the amex spg changes skip to content maximize your travel search search cards rewards deals news all news airlines aviation credit cards travel tips hotels cards top cards business cards card reviews guides reviews all reviews flight hotel lounge credit card points miles beginner guide point valuations credit card guide travel deals travel tips video videos destinations flights hotels tpg family facebook instagram snapchat twitter advertiser disclosure advertiser disclosure menu the best credit cards for everyday spending after the amex spg changes by ethan steinberg may 20th 2018 share this click to share on facebook opens in new window click to share on twitter opens in new window our favorite partner cards citi thankyou® premier card current offer 60000 bonus points terms chase sapphire preferred® card current offer 50000 points terms capital one® venture® rewards credit card current offer 50000 miles terms capital one® savor® cash rewards credit card current offer 500 cash bonus terms see all this post contains references to products from one or more of our advertisers we may receive compensation when you click on links to those products for an explanation of our advertising policy visit this page update some offers mentioned below are no longer available view the current offers here starwood preferred guest® credit card from american express everyday spending is an important piece of the travel rewards puzzle while it doesnt offer the get rich quick feeling of a shiny 100000-point sign-up bonus it can help you top off your balance to get that next award or diversify your points into a different program you wouldnt otherwise use much so when marriott announced that the new combined marriott-spg program would include a 33 reduction in the everyday earning rates of the spg co-branded credit cards many people started to consider whether it was time to look for a new go to everyday spend card the spg cards were considered a no-brainer for everyday spending because of the high value of their points but with the changes to those cards looming right around the corner in august its time to take a look at which other credit cards offer the best return on everyday non-bonus spending the candidates there are many credit cards on the market today but only a handful are worth considering when it comes to non-bonused everyday spend here are 6 of the top possibilities plus the revised spg card as a point of comparison ranked by value in the first year and assuming 20000 in non-bonus spend during that year welcome bonus annual fee points earned based on 20000 in non-bonus spend total return in first year based on tpg valuations barclaycard arrival plus world elite mastercard 60000 miles 600 89 40000 miles 961 capital one venture rewards credit card 50000 miles 500 0 waived first year 40000 miles 900 chase freedom unlimited 150 0 30000 points 780 the blue business℠ plus credit card from american express 10000 points 0 40000 points 760 amex everyday® preferred credit card 15000 membership rewards points 285 based on tpg valuations 95 30000 points assuming 30 transactions per month 760 bank of america premium rewards credit card 50000 points 500 95 30000 points 705 starwood preferred guest® credit card from american express up to 200 0 waived first year 40000 points in new marriott program 560 citi double cash card none 0 400 400 and here are the same cards ranked by their effective return in the second year and beyond annual fee earning on everyday spend return based on tpg valuations the blue business℠ plus credit card from american express 0 2x membership rewards 3.8 chase freedom unlimited 0 1.5x ultimate rewards 3.15 amex everyday® preferred credit card 95 1x membership reward point 50 bonus points after making 30 purchases in a billing statement terms apply 2.85 with 50 bonus barclaycard arrival plus world elite mastercard 89 2x arrival miles 2.05 capital one venture rewards 95 2x venture rewards miles 2 citi double cash 0 2 cash back 1 cash back when you buy plus an additional 1 when you pay for those purchases 2 starwood preferred guest® credit card from american express 95 2x marriott rewards points beginning in august terms apply 1.8 bank of america premium rewards credit card 95 1.5x points with up to a 75 bonus depending on your status in the preferred rewards program 1.5 to 2.625 lets break these options down one-by-one taking a look at how these returns are calculated and which options might be right for you personally barclaycard arrival plus world elite mastercard after disappearing from the market for a few months the barclaycard arrival plus world elite mastercard is back and now with an impressive 60000 mile sign-up bonus there are no bonus categories on this card but youll earn 2 miles per dollar for everything you pay for with the card arrival miles are only worth 1 cent each so you wont get oversized value for them but you can apply them to any travel-related purchases made on your arrival plus card and receive a statement credit against that purchase essentially wiping out the cost youll also get a 5 rebate on all redeemed miles making the effective ongoing return on this card 2.05 for everyday spend there are two caveats to note with this card first the minimum redemption amount is 100 so youll need to have 10000 arrival miles at any given time in order to use them and you can only apply miles to purchases made in the previous 120 days second the arrival plus is only one of two cards on this list that doesnt waive its annual fee in the first year so you wont get a chance to try it out for free but with the massive sign-up bonus its probably worth giving the card a shot capital one venture rewards card photo by eric helgas for the points guy most of the other cards on this list require some personal adaptation for instance you might value ultimate rewards more than membership rewards based on your personal travel patterns so the freedom unlimited might be a better card for your personal needs than the blue business plus but the capital one venture rewards credit card takes all the guesswork out of the equation offering everyone the same 2 return on all purchases the card earns 2 miles per dollar spent and those miles can be redeemed at a fixed rate of 1 cent each as statement credits to erase travel purchases youve made in the last 90 days there are other fixed-value cards out there but one huge advantage of the venture rewards is that theres no minimum redemption amount that means if you take advantage of an amazing deal like when the conrad chicago was on sale for only 11 a night you can erase the entire purchase with venture rewards points and while the card comes with a 95 annual fee waived the first year youll also have access to one outstanding bonus category 10x miles earned on all purchases made at hotels.com with the venture rewards card when booked and paid through the special hotels.comventure link chase freedom unlimited photo by eric helgas for the points guy the chase freedom unlimited has been around for a while and savvy users know that it pairs perfectly with chases premium credit card offerings the freedom unlimited is billed as a cash back card currently offering a sign-up bonus of 150 after spending 500 in 3 months but that cash back comes in the form of ultimate rewards points which can get you much more than 1 cent of cash back with the right combination of cards if you also hold a premium chase card such as the chase sapphire reserve the chase sapphire preferred card or the ink business preferred credit card you can transfer the points from your freedom unlimited to one of these cards and turn them into full fledged transferable ultimate rewards points worth as much as 2.1 cents apiece based on tpgs latest monthly valuations while the freedom unlimited is often easier to get approved for than most premium cards it is subject to chases 524 rule this means that youll be automatically rejected if youve opened 5 or more new cards in the last 24 months this is one of the many reasons i think the freedom unlimited is the perfect starter card and a simple and easy introduction to the world of free travel amex blue business plus the blue business plus credit card from american express is a relatively new addition to the amex portfolio but boy does it pack a punch it currently offers a limited time bonus of 10000 bonus points after you spend 3000 in the first three months offer ends 92618 this no annual fee credit card earns 2x membership rewards per dollar spent on all purchases up to 50000 in a year then 1x tpg values membership rewards points at 1.9 cents each meaning that this card gives an unparalleled 3.8 return on all spend maxing out this card would earn you 100000 membership rewards points a year which is enough to unlock some pretty impressive redemption options small business owners will also appreciate that this card borrows some of the best elements of amex charge cards specifically you have the potential to be able to spend beyond your pre-approved credit limit as long as you pay off the balance in full during the next billing cycle the only downside of this card is that its a business card not a personal card so not everyone will be able to apply for it though you may be more eligible than you think amex everyday preferred card the amex everyday® preferred credit card from american express can be a lucrative option if youre willing to commit to it in addition to 2x points at us gas stations and 3x at us supermarkets up to 6000 in purchases per year youll earn a 50 point bonus after making 30 or more purchases in a billing cycle if youre able to do this youll effectively be earning 1.5 membership rewards points on all your purchases but if you only make it to 29 purchases youll be stuck earning 1x on non-bonus spend youll have to take a look at your own spending history and see if you can consistently maximize this card but even at its best it still comes up somewhat short of the blue business plus the everyday preferred has a 95 annual fee while the blue business plus has none and obviously 1.5x is less than 2x still it might be a good choice for those folks who cant get a business card or who might have more than 50000 a year in credit card expenses citi double cash photo by eric helgas for the points guy while earning points and miles toward free travel is the way to earn the most lucrative credit card rewards some people prefer the simplicity of cash back for them the citi double cash card is probably a perfect choice it comes with no annual fee and a total of 2 cash back on all purchases 1 when you make a purchase and an additional 1 when you pay for it on your statement this card is as easy as it gets no bonus categories no points to redeem and no award space to chase the one quirk to be aware of is that this card doesnt waive foreign transaction fees so youll want to use a different card when youre traveling internationally or making overseas purchases you also wont earn outsized returns with this card theres no maximizing your points with cash back but for folks who just want a solid cash back card this is a perfect choice bank of america premium rewards credit card this card becomes extra appealing for non-bonus spending if you have high standing in bank of americas preferred rewards program if you have more than 100000 in assets with bofa including investment and retirement accounts you could get a 75 bonus on all points earning meaning the 1.5x points you earn on non-bonus purchases with the premium rewards card would be boosted to 2.625x points if you dont have the requisite 100000-plus in assets to secure the 75 bonus that comes with the platinum honors tier of the preferred rewards program note that there are two lower tiers gold 20000-50000 in assets which gets a 25 points bonus equal to 1.875x points on non-bonus spending and platinum 50000-100000 which gets a 50 points bonus equal to 2.25x points on non-bonus spending starwood preferred guest card finally beginning in august the starwood preferred guest® credit card from american express isnt going to be as strong as it once was but while it wont be my go-to card for everyday spending any more itll still hold a spot in my wallet going solely off tpgs valuations this card as well as the marriott rewards premier plus credit card will earn 2 marriott points per dollar on everyday spending which works out to a 1.8 return even if the spg card isnt earning as much as it used to you have to account for the flexibility of marriott points not only can you earn free nights at the worlds largest hotel chain but marriott is the sole transfer partner for some unique and interesting airlines looking to fly first class to asia theres no better redemption value than using 70000 alaska miles for a seat on cathay pacific or jal but unless you fly alaska regularly or spend heavily on the alaska airlines visa signature credit card the only way to earn those miles is by transferring them from marriott and spg bottom line no matter what your shopping habits or travel goals are like everyone should be able to find at least one card on this list that works for them just make sure that no matter where you go on top of your regular bonus category credit cards theres also a card in your wallet thats getting you the very best return on your everyday purchases featured image by ozgurcankaya getty images share this click to share on facebook opens in new window click to share on twitter opens in new window capital one® venture® rewards credit card new earn unlimited 10x miles on hotel stays booked and paid through hotels.comventure pair that with the hotels.com rewards program and youll essentially be getting 20 off of hotel bookings with the 50000 mile sign-up bonus youll be getting the equivalent of 500 and youll have the flexibility to redeem those miles on any purchase for airfare hotel stays car rentals and more apply now more things to know enjoy a one-time bonus of 50000 miles once you spend 3000 on purchases within 3 months from account opening equal to 500 in travel earn 2x miles on every purchase every day plus earn 10x miles on thousands of hotels learn more at hotels.comventure named the best travel card by cnbc 2018 receive up to 100 application fee credit for global entry or tsa pre✓® fly any airline stay at any hotel anytime no blackout dates miles wont expire for the life of the account and theres no limit to how many you can earn no foreign transaction fees 0 intro annual fee for the first year 95 after that intro apr on purchases na regular apr 14.74 24.74 variable annual fee 0 intro for first year 95 after that balance transfer fee 0 recommended credit excellent good editorial disclaimer opinions expressed here are authors alone not those of any bank credit card issuer airlines or hotel chain and have not been reviewed approved or otherwise endorsed by any of these entities disclaimer the responses below are not provided or commissioned by the bank advertiser responses have not been reviewed approved or otherwise endorsed by the bank advertiser it is not the bank advertisers responsibility to ensure all posts andor questions are answered our favorite partner cards citi thankyou® premier card current offer 60000 bonus points terms chase sapphire preferred® card current offer 50000 points terms capital one® venture® rewards credit card current offer 50000 miles terms capital one® savor® cash rewards credit card current offer 500 cash bonus terms the platinum card® from american express current offer 60000 points terms ink business preferred℠ credit card current offer 80000 points terms the latest t-mobile to block roaming for travelers who roam excessively the sad state of dallasfort worth lounges and when its going to improve score 160 cashback for spending 800 on delta flights targeted all newest posts credit card guides best travel rewards 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Best Credit Cards for Everyday Spending
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