Catch-all credit cards provide a simple and efficient way to earn rewards on all purchases without the hassle of tracking categories or activating bonuses. With a flat-rate rewards structure, these cards ensure that you earn consistently across all expenditures.
Summarized Table
| Category | Cash Back Cards | Travel Rewards Cards | Business Cards | Premium / Elite Cards | Student Cards |
|---|---|---|---|---|---|
| Credit Card Name | Chase Freedom Unlimited® | Chase Sapphire Preferred® Card | Chase Ink Business Unlimited® | Chase Sapphire Reserve® | Discover it® Student Cash Back |
| Credit Card Name | Citi® Double Cash Card | Bank of America® Premium Rewards® Card | Capital One Spark Cash Plus for Business | U.S. Bank Altitude® Reserve Visa Infinite® Card | Bank of America® Travel Rewards for Students |
| Credit Card Name | Wells Fargo Active Cash® Card | Capital One Venture Rewards Credit Card | Ink Business Preferred® Credit Card | Capital One Venture X Rewards Credit Card | Capital One QuicksilverOne® Rewards for Students |
Best Catch-All Credit Cards for Cash Back Rewards
1. Chase Freedom Unlimited®
The Chase Freedom Unlimited® Card is designed for everyday spending. Issued by Chase, it offers unlimited cash back on all purchases, helps manage expenses efficiently, and provides flexibility in earning rewards.
- Issuer – Chase
- Payment Gateway – Visa
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% for 15 months
- Regular APR – 20.24%–28.99%
- Balance Transfer APR – 20.24%–28.99%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – Either $5 or 3% of the amount transferred, whichever is greater
- International Transaction Fee – 3%
- Best For – General Consumers
Expert Take:-
The Chase Freedom Unlimited® is an ideal catch-all cash back card since it gives 1.5% cash back on all transactions, as well as additional perks (5% on Chase travel, 3% on dining and drugstores). It offers no annual fee, broad redemption choices, and a substantial sign-up bonus, which makes it great for regular spending without category tracking.
2. Citi® Double Cash Card
The Citi Double Cash® Card, issued by Citi, offers a simple yet rewarding cashback program. Its best feature is earning 2% cashback (1% on purchases and 1% on payments). It benefits users with no category restrictions, making it a versatile choice for everyday spending.
- Issuer – CitiBank
- Payment Gateway – MasterCard
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% Intro APR for 18 months on balance transfers
- Regular APR – 18.24% – 28.24%
- Balance Transfer APR – 19.24%–29.24%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – 5% of each transfer ($5 minimum)
- International Transaction Fee – 3%
- Best For – Everyday Users, Budget-Conscious
Expert Take:-
The Chase Freedom Unlimited® is an ideal catch-all cash back card since it gives 1.5% cash back on all transactions, as well as additional perks (5% on Chase travel, 3% on dining and drugstores). It offers no annual fee, broad redemption choices, and a substantial sign-up bonus, which makes it great for regular spending without category tracking.
3. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is a top-tier cashback credit card offering an unlimited 2% cash reward on every purchase. Issued by Wells Fargo, it provides straightforward rewards with no categories to track, making it an excellent everyday spending card.
- Issuer – Wells Fargo
- Payment Gateway – Visa
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% Intro APR for 15 months from account opening on purchases and qualifying balance transfers.
- Regular APR – 19.24% to 29.24% Variable APR
- Balance Transfer APR – 19.24% to 29.24% APR
- Cash Advance Fee – Either $10 or 5% of the amount of each cash advance, whichever is greater
- Balance Transfer Fee – 5% for each balance transfer, with a minimum of $5.
- International Transaction Fee – 3%
- Best For – Individuals Seeking Cash Back
Expert Take:-
The Wells Fargo Active Cash Card continues to be one of the best catch-all credit cards because of its flat-rate cash rewards credit cards, which are available since they are low maintenance and offer excellent rewards and redemption choices. The adaptability of the Active Cash card makes it suitable for nearly every rewards structure.
Best Catch-All Credit Cards for Business
4. Chase Sapphire Preferred® Card
A versatile travel card that balances affordability with robust rewards, offering 2x points on travel and dining. Requires a good to excellent credit score.
- Issuer – Chase
- Payment Gateway – Visa
- Annual Fee – $95
- Credit Score – Good – Excellent
- Intro APR – N/A
- Regular APR – 21.24% – 28.24%
- Balance Transfer APR – 21.24% – 28.24%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – Either $5 or 5% of the amount of each transfer, whichever is greater.
- International Transaction Fee – 3%
- Best For – Frequent Travelers, Budget Traveler
Expert Take:-
The Chase Sapphire Preferred card is a catch-all credit card because of its excellent travel and dining rewards, everyday bonus categories, and yearly rewards, placing it among the finest — if not the best — travel cards with a $95 annual fee. The Sapphire Preferred may be beneficial to both infrequent travelers and rewards specialists due to its flexible rewards scheme and excellent card pairing choices. Simply be careful of the amount of cards you have if you want to link it with a Chase card, and ensure that the rewards categories help your monthly budget.
The Bank of America® Premium Rewards® Credit Card, issued by Bank of America, offers 2 points per dollar on travel and dining and 1.5 points on all other purchases. It’s perfect for frequent travelers seeking flexible rewards and travel benefits.
- Issuer – Bank of America
- Payment Gateway – Visa
- Annual Fee – $95
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 20.24% – 27.24% Variable APR.
- Balance Transfer APR – N/A
- Cash Advance Fee – Either $10 or 3% of the amount of each transaction, whichever is greater.
- Balance Transfer Fee – 4% of the amount of each balance transfer transaction.
- International Transaction Fee – 0%
- Best For – Frequent Travelers
Expert Take:-
The Bank of America® Premium Rewards® Card is a catch-all card that offers 1.5X points on all purchases and 2X points on travel and dining. Preferred Rewards members can increase their earnings by up to 75% with flexible redemptions, travel perks, and no foreign transaction fees, which makes it an excellent choice for both daily and travel spending.
6. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a premium travel rewards card offering unlimited 2x miles on every purchase. Issued by Capital One, it allows flexible redemption options, including flights, hotels, and statement credits for travel purchases. The card also comes with Global Entry or TSA PreCheck® credit, which makes it ideal for frequent travelers who want a straightforward way to earn and redeem miles.
- Issuer – Capital One
- Payment Gateway – Visa
- Annual Fee – $95
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 20.99%-28.99% Variable
- Balance Transfer APR – N/A
- Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
- Balance Transfer Fee – 3% of the amount transferred within the first 15 months
- International Transaction Fee – 0%
- Best For – Travelers
Expert Take:-
The Capital One Venture Rewards Credit Card is an excellent catch-all credit card choice for those who want to earn travel rewards and easily redeem them. Miles earned on everyday purchases can be redeemed at a fixed value or maximized by transferring to one of Capital One’s numerous airline and hotel partners. Because of its simplicity, this card is suitable for both beginners and experts.
Best Catch-All Credit Cards for Business
7. Chase Ink Business Unlimited®
The Chase Ink Business Unlimited® Card, issued by Chase, provides unlimited 1.5% cash back on all business purchases with no annual fee. It benefits businesses by offering a simple, flat-rate cash back on all expenses.
- Issuer – Chase
- Payment Gateway – Visa
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% for 12 months
- Regular APR – 18.24%–24.24%
- Balance Transfer APR – 18.24%–24.24%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – $5 or 3% of the amount transferred, whichever is greater.
- International Transaction Fee – 3%
- Best For – Small Business Owners
Expert Take:-
Chase’s Ink Business Unlimited® Credit Card is an excellent business credit card option. With a limitless 1.5 percent cash back rewards rate, this card is ideal for company owners who prefer flat-rate returns to bonus-category benefits.
8. Capital One Spark Cash Plus for Business
The Capital One Spark Cash Plus is a business card offering unlimited 2% cash back on all purchases. Issued by Capital One, it’s perfect for businesses looking to maximize rewards.
- Issuer – Capital One
- Payment Gateway – Visa
- Annual Fee – $150
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – N/A
- Balance Transfer APR – N/A
- Cash Advance Fee – 5% or $10, whichever is greater
- Balance Transfer Fee – N/A
- International Transaction Fee – 0%
- Best For – Small Business Owners, Entrepreneurs
Expert Take:-
The Capital One Spark Cash Plus is a catch-all credit card. It has a unique edge over other businesses and charge cards because it offers one of the best flat cash back rates and sign-up bonuses on the market. Its increased purchasing power and sign-up bonus are a step up from its no-annual-fee counterparts and predecessor, the Spark Cash for Business.
9. Ink Business Preferred® Credit Card
The Chase Ink Business Preferred® Card is designed for business owners. Issued by Chase, it offers generous rewards on business expenses and helps manage expenses efficiently. It provides flexibility in earning rewards.
- Issuer – Chase
- Payment Gateway – Visa
- Annual Fee – $95
- Credit Score – Good – Excellent
- Intro APR – N/A
- Regular APR – 20.24%–25.24%
- Balance Transfer APR – 20.24%–25.24%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – Either $5 per transfer or 5% of the amount transferred, whichever is greater
- International Transaction Fee – 0%
- Best For – Small Business Owners, Frequent Travelers, Entrepreneurs
Expert Take:-
The Ink Business Preferred is a catch-all credit card that is certainly worth considering for anybody with company costs who qualifies for the card’s 3X bonus categories, as well as anyone looking to receive a big sign-up bonus straight away. This card can also help frequent travelers earn flexible points. After all, points gained may be used to book travel via Chase at a 25% higher value or transferred to Chase airline and hotel partners.
10. Chase Sapphire Reserve®
The Chase Sapphire Preferred® Card is ideal for travel enthusiasts. Issued by Chase, it offers generous travel rewards and flexible redemption options. It helps maximize travel benefits and manage expenses efficiently.
- Issuer – Chase
- Payment Gateway – Visa
- Annual Fee – $95
- Credit Score – Good – Excellent
- Intro APR – N/A
- Regular APR – 21.24%–28.24%
- Balance Transfer APR – N/A
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – Either $5 or 5% of the amount of each transfer, whichever is greater.
- International Transaction Fee – 0%
- Best For – Frequent Travelers, Foodies
Expert Take:-
The Chase Sapphire Reserve® card is an elite travel rewards credit card that’s ideal for heavy spenders with credit scores of 750 or above. Sapphire Reserve is particularly appealing since it provides a bonus of 60,000 points for spending $4,000 within three months of opening an account, as well as recurring benefits of 1 – 10 points per dollar and a $300 yearly travel credit.
11. U.S. Bank Smartly™ Visa Signature® Card
A premium travel card, the U.S. Bank Altitude™ Reserve offers 3x points on travel and mobile wallet purchases. It includes $325 in annual travel credits and Priority Pass™ lounge access, making it ideal for frequent travelers.
- Issuer – U.S. Bank
- Payment Gateway – Visa
- Annual Fee – $0 – $39
- Credit Score – Good
- Intro APR – 0% for 15 months
- Regular APR – 19.24% – 27.24%
- Balance Transfer APR – 19.24% – 27.24%
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – Either 3% of the amount of each transfer or $5, whichever is greater.
- International Transaction Fee – 3%
- Best For – Professionals, Small Business Owners
Expert Take:-
As a catch-all cash-back credit card, the U.S. Bank SmartlyTM Visa Signature® Card is unique in that it offers an infinite 2% cash back on all transactions without an annual charge. The possibility of raising this rate to 2.5%, 3%, or even 4% for cardholders who fulfill particular balance conditions is what distinguishes it. It’s also one of the few cash-back cards with no annual fee that has a metal appearance, which makes it desirable to people who value a high-end look.
12. Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is a luxury travel card offering 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights, and 2x on everything else. Issued by Capital One, it is designed for frequent travelers who want premium benefits, including Priority Pass lounge access and up to $300 in annual travel credits.
- Issuer – Capital One
- Payment Gateway – Visa
- Annual Fee – $395
- Credit Score – Excellent
- Intro APR – 0% for 12 months
- Regular APR – 19.24%-26.24% Variable
- Balance Transfer APR – 19.24%-26.24% Variable
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – 4%
- International Transaction Fee – 0%
- Best For – Frequent Travelers, High Spenders, Budget Travelers
Expert Take:-
The Capital One Venture X Rewards Credit Card is a premium, metal-designed card ideal for travelers. It provides limitless 2X miles on all transactions, ensuring that benefits are constant across all spending categories. Cardholders may also earn 10X miles on hotels and rental vehicles and 5X miles on flights booked through Capital One Travel. Despite the $395 annual charge, the card offers significant value with advantages such as airport lounge access, $300 in yearly travel credits, and 10,000 anniversary bonus miles, which practically offsets the cost. Its simple rewards structure and user-friendly features make it suitable for both experienced travelers and beginners looking for a versatile, premium credit card.
Best Catch-All Credit Cards for Students
13. Discover it® Student Cash Back
The Discover it® Student Cash Back card is ideal for college students looking to build credit while earning rewards. It provides 5% cash back on everyday purchases at grocery stores, restaurants, and gas stations every quarter, up to a quarterly maximum when activated. All other purchases earn unlimited 1% cash back.
- Issuer – Discover
- Payment Gateway – Discover
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% APR on purchases for six months from account opening
- Regular APR – 17.24% – 26.24% Variable APR
- Balance Transfer APR – 17.24% – 26.24% Variable APR
- Cash Advance Fee – 5% or $10
- Balance Transfer Fee – 3%
- International Transaction Fee – 0%
- Best For – College students, Rebuilding credit
Expert Take:-
The Discover it® Student Cash Back is one of the few student credit cards that give rewards on pace with its issuer’s flagship card. Its rotating category cash back is hard to top, and the first-year cash back match is exceptional, considering this card’s low continuing rates and fees.
14. Bank of America® Travel Rewards for Students
The Bank of America® Travel Rewards Credit Card for Students is a solid option for students who love to travel. Issued by Bank of America, it features unlimited 1.5 points per dollar on all purchases, with no expiration. Cardholders can redeem points for travel expenses like flights and hotels, making it perfect for study-abroad students.
- Issuer – Bank of America
- Payment Gateway – Visa
- Annual Fee – $0
- Credit Score – Good – Excellent
- Intro APR – 0% Intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days
- Regular APR – 18.24% to 28.24% Variable APR
- Balance Transfer APR – 18.24% to 28.24% Variable APR
- Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
- Balance Transfer Fee – 3%
- International Transaction Fee – 0%
- Best For – Students
Expert Take:-
The Bank of America Travel Rewards Credit Card for Students seems like a good, simple starter card, but in practice, it becomes “stripped-down.” In comparison to other student cards, it offers a substantial sign-up bonus, a high earnings rate on all transactions, and a variety of redemption choices. However, points on the Bank of America student travel card are worthless for anything other than travel statement credits. Being one of the few student cards designed with travel in mind, it’s an obvious choice if you want to study overseas.
15. Capital One Quicksilver® Student Cash Rewards
The Capital One Quicksilver Student Cash Rewards Credit Card (rates & fees) provides convenient extra benefits, decent rewards, and no annual or foreign transaction fees, making it a solid choice among the somewhat limited category of cards available to university students just starting their credit journey.
- Issuer – Capital One
- Payment Gateway – MasterCard
- Annual Fee – $39
- Credit Score – Fair/Average
- Intro APR – 0% for 15 months
- Regular APR – 19.99%-29.99%
- Balance Transfer APR – 19.99%-29.99%
- Cash Advance Fee – 3% of the amount
- Balance Transfer Fee – N/A
- International Transaction Fee – 3%
- Best For – Fair to Average Credit
Expert Take:-
The Capital One Quicksilver Student Cash Rewards Credit Card offers a no-frills, no-hassle introduction to the world of credit card rewards for qualified students. You’ll earn the same 1.5% cash back on purchases as the Capital One Quicksilver Cash Rewards Credit Card, but the student card is simpler to qualify for.
What is a “Catch-All” Credit Card?
A “catch-all” credit card provides constant cash back or points on all transactions, simplifying the rewards process by eliminating the need to track expenditure categories or trigger quarterly bonuses.
How to Choose the Best Catch-All Credit Card?
Look for cards that provide competitive cash back or points on all transactions. Some cards may have greater rates in some areas, but a real catch-all card offers consistent benefits across the board.
Many credit cards provide appealing benefits if you satisfy a certain spending threshold within the first few months. Consider these perks, which can dramatically increase your earnings early on.
Determine if the benefits and incentives surpass any annual costs. Some cards with annual fees provide higher benefits and privileges, which may justify the expense. Consider how you may redeem your benefits and whether the alternatives are suitable for your needs, such as cash back, vacation, or products.
Look for extra bonuses like as purchase protection, extended warranties, travel insurance, or admission to special events that offer value beyond the awards.
Advantages of “Catch-All” Credit Card
Convenience and Simplicity
Catch-all credit cards do away with the headache of monitoring spending categories or turning on rotating bonus categories, thanks to their flat-rate rewards structure. It is the best choice for people who want a simple rewards system since you are paid the same rate regardless of where or how you spend.
Reward Consistency
You can count on receiving the same amount of cash back or points for every transaction. Regardless of what you purchase or where you shop, this makes it simpler to forecast how much you will make each month.
Flexibility in Redemption
There are several ways to use rewards, ranging from gift cards and products to statement credits and trip reservations.
No Restrictions
A catch-all credit card allows you to make any kind of transaction, unlike cards that restrict rewards to particular categories like grocery, petrol, or restaurants. Your rewards rate is the same whether you’re making online purchases, paying bills, or purchasing groceries.
Excellent for Daily Spending
Catch-all cards are ideal for daily purchases for people who want a simple rewards card without worrying too much about where they spend their money. To optimize incentives, there’s no need to commit categories to memory or switch up your buying patterns.
Increased Earning Potential
You may increase your rewards without making your plan more complicated with some catch-all credit cards that provide alluring bonus chances, such sign-up bonuses or additional benefits for reaching certain spending levels.
Long-Term Worth
Because they consistently offer value, catch-all cards are excellent for long-term use. You may depend on them year after year for consistent rewards accrual without having to change your buying patterns or track categories frequently.