American Express · personal1%–3% rewards$0 annual fee
3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail, each up to $6,000 yearly, then 1%.
Why it made this list: Useful household bonus categories without an annual fee.
Citi · personal2%–5% rewards$0 annual fee
Unlimited 2% cash back: 1% when buying and another 1% when paying; 5% on eligible Citi Travel bookings.
Why it made this list: Straightforward 2% earning with no category enrollment or annual fee.
Chase · personal1.5%–5% rewards$0 annual fee
1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.
Why it made this list: Low-maintenance cash back with elevated dining and drugstore rewards.