Rankings by math, not commissions. Advertiser Disclosure
Best cards → Everything else

🧾 Best everything else credit cards — July 2026

Generated July 31, 2026 from 250 researched cards · 10 shown

No card issuer pays us today. UseThis has no affiliate links and no advertisers, so this ranking is pure math over published card terms — nothing on this page earns us a cent. How we're paid · Editorial policy

The catch-all rate — what you earn when nothing bonuses.

🍽️ Dining🛒 Groceries⛽ Gas✈️ Travel📺 Streaming💊 Drugstores🛍️ Online shopping🏬 Wholesale clubs💡 Utilities🧾 Everything else
1
Kroger Family Rewards World Elite Mastercardconditions apply
U.S. Bank · no annual fee
5% on every purchase.
capped at $3,000 spend per year · only when you pay with kroger pay · 5% on first $3,000/yr via Kroger Pay, then 2%
Terms verified Jul 30, 2026 · issuer page
5%
Have it? Add it to your wallet →
2
Bank Smartly Visa Signature
U.S. Bank · no annual fee
4% on every purchase.
capped at $10,000 spend per billing cycle · Rate = 2% base + 0/0.5/1/2 point bonus by 30-day-average qualifying balance. Requires an OPEN U.S. Bank Smartly Savings account plus qualifying balan…
Terms verified Jul 30, 2026 · issuer page
4%
Have it? Add it to your wallet →
3
Coinbase One Cardconditions apply
First Electronic Bank (Coinbase) · no annual fee
4% on every purchase.
capped at $10,000 spend per month, then 2% · tier: AOC $200,000+ · requires a paid subscription on top of the annual fee
Terms verified Jul 30, 2026 · issuer page
4%
Have it? Add it to your wallet →
4
Gold Cardflat rate
Robinhood (Coastal Community Bank) · no annual fee
3% on every purchase — no category to pick, no cap to watch.
requires a paid subscription on top of the annual fee
Terms verified Jul 30, 2026 · issuer page
3%
Have it? Add it to your wallet →
5
Bilt Palladium Card
Bilt (Column N.A., serviced by Cardless) · $495/yr
2× on every purchase.
points valued at 1.25¢ each (our researched redemption value)
Terms verified Jul 30, 2026 · issuer page
2×≈ 2.5% at 1.25¢
Have it? Add it to your wallet →
6
BJ's One+ Mastercardflat rate
Capital One · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →
7
T-Mobile Visaflat rate
Capital One · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →
8
Double Cashflat rate
Citi · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →
9
Fidelity Rewards Visa Signatureflat rate
Elan Financial Services · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →
10
Preferred Cash/Back Cardflat rate
Fifth Third Bank · no annual fee
2% on every purchase — no category to pick, no cap to watch.
Terms verified Jul 30, 2026 · issuer page
2%
Have it? Add it to your wallet →

How to read this

"Must choose" cards do not pay this rate by default. A 5% pick-your-category card earns 5% here only if you park it on this category (and on nothing else that month or quarter), and a rotating-calendar card earns it only while the issuer's published quarter includes this category — usually only after you activate. If you won't do that reliably, a flat-rate card lower down is worth more to you than the bigger number above it. "Conditions apply" means the rate needs something extra: a deposit balance, a wallet, a membership.

Rates are the published earn rate times the redemption value we researched for that card's currency — cash back at face value, points at the value recorded in our data. Caps, portal-only bookings and activation deadlines are printed on the row because they routinely halve the real return. We exclude discontinued cards, store-only cards, cards whose terms we haven't verified, and points cards whose currency we haven't valued (see below).

This ranks card terms. It is not a recommendation to apply for anything. If you already hold something on this list, the win is using it in the right place — that's what the app is for.

Not ranked — and why

These cards advertise a high earn rate for this category, but they pay hotel, airline or transferable points and we have not verified what that currency is actually worth. Ranking them at a made-up value would put them above cash-back cards on arithmetic we invented, so they sit here until the valuation is researched.