r/personalfinance's 134-comment verdict on the best everyday credit card
As seen on the 24/7 Wall St. homepage on October 22, 2026.
I haven't looked around at other cards very much, but I use the Citi Double Cash card for all of my purchases (except mortgage payment) as it's 2% cash back.
A poster who climbed from a 425 credit score to 784 asked what to spend on, and 134 replies landed on the same answer: a flat 2% cash-back card beats a stack of category cards unless your grocery and Amazon spend is big enough to clear the annual fees.
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After rebuilding a 425 credit score to 784 over four years, poster SilentCanyon asked whether their Capital One Quicksilver cards were leaving money on the table, and with travel rewards and dining perks ruled out, the question landed squarely on flat-rate cash-back cards.
The top answer, from Relative_Hyena7760 with 88 upvotes, pointed to the Citi Double Cash card and its 2% back on nearly everything, with the Wells Fargo Active Cash and Fidelity Visa cited as equivalent alternatives for anyone who prefers a different issuer.
A separate commenter laid out the case for layering cards by category, pairing the Amex Blue Cash Preferred on groceries with the Chase Amazon Visa and the Robinhood card. The thread's general conclusion was that this kind of stack only beats a flat 2% card if grocery and Amazon spending is large enough to recover the annual fee.
The Amex Gold came up but was largely set aside for this poster's situation, since its strongest benefits are tied to restaurant and grocery spending rather than general everyday use. The consensus across the replies was that for someone who does not travel heavily or spend big in bonus categories, a no-fee 2% card is the most efficient starting point.