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Top Catch-All Credit Cards
Tired of carrying a bunch of credit cards to chase points? Catch-all credit cards may hold the solution. The Consumer Financial Protection Bureau states, “As the market for credit card rewards programs has grown, so too has their complexity.”
A catch-all credit card can simplify your financial life. These cards provide steady value on all purchases, allowing you to earn cash back, points rewards, or simply protect your sanity, no matter where you spend. Some even have additional perks and rewards for categorical spending.
Whether you want simple cash rewards, flexible travel points, a long intro APR period, or something more, our research uncovers and ranks the best all-around credit cards of the year to help you find the perfect fit for your spending habits.
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Trusted Company Reviews #1 Pick for 2025
- 75,000-point bonus after $5,000 in spending in the first 3 months
- Flexible points redemption through Chase Travel, statement credits, and more
- 1:1 transfer partners, including World of Hyatt and airline partners
Why we love it 💖
The Chase Sapphire Preferred is a premium metal rewards card that earns big on travel and dining while offering flexible redemptions.
Our Highest Rated Catch-All Credit Card Companies
- 5x points on travel purchased through Chase
- 3x on dining, streaming, and groceries
- $50 annual hotel credit
- No foreign transaction fee
- Strong travel and insurance protections
- $95 annual fee
- Unlimited 1.5% cash back on all purchases for your business
- $900 sign-up bonus after $6,000 spent in 3 months
- 0% intro APR on purchases for 12 months
- No annual fee
- Employee cards at no cost
- Easy QuickBooks compatibility
- 5% on travel, 3% on dining and drugstores
- 1.5% cash back on every other qualified purchase
- $200 bonus after $500 spent in 3 months
- 0% intro APR for 15 months
- Redeem rewards for cash, travel, or statement credit
- No annual fee
- Earn unlimited 2% cash rewards on every purchase
- $200 bonus after you spend $500 in the first 3 months
- 0% intro APR for 12 months
- $0 annual fee
- Cell phone damage and theft protection
- Visa Signature entertainment and event access
- 0% intro APR for 21 months on balance transfers
- 0% intro APR for 12 months on purchases
- No annual fee
- No late fees or penalty APR
- Choose your payment due date
- Citi QuickLock protection
What Is a Catch-All Credit Card?
A catch-all credit card is a card that makes using it simple on an everyday basis. They’re for people who prefer simplicity when it comes to finances. While the definition can change somewhat, depending on who’s using it and how they spend, the sentiment is the same. A catch-all credit card works best based on your spending habits and how you’d like to be rewarded for it.
Catch-all cards are for anyone who may have diverse spending habits, or just wants to simplify the options in their wallets. For example, those who wish to use a single card for groceries, gas, dining, and everyday expenses, rather than juggle a mix of cards while trying to find the best reward deals.
These cards also tend to feature low or no annual fees and straightforward redemption options such as statement credit, direct deposit, or travel bookings through a rewards portal.
If you want a single card that does everything a card should, a catch-all credit card offers a balanced, predictable option.
Benefits of a Catch-All Credit Card
The most significant advantage of these cards is consistency. While having several cards that earn various rewards or offer different features is one way to maximize your earnings, juggling multiple cards can be a pain. In contrast, a catch-all card is a jack-of-all-trades. It’s one product that may not do everything perfectly, but it does many things quite well, such as earning simple rewards without you having to think too much about it.
Many of these all-around cards also include unexpected perks, such as cell phone protection, insurances, no foreign transaction fees, and flexible point redemptions, often for things like traveling.
Pros and Cons of Carrying a Catch-All Credit Card
Pros
- Easier to know precisely how much you’re earning in rewards
- Easy to manage versus juggling multiple cards to maximize rewards
- Often include low annual fees and strong introductory offers
Cons
- May earn fewer rewards than a specialized card
- Requires extra investigation to find your perfect match
Why Trust Our Ratings
Every rating we publish reflects independent research and hands-on analysis from our editorial team. Clarity, accuracy, and transparency matter as much as the numbers themselves.
How We Calculate Our Trust Rating Score
We base our Trust Rating Scores on independent research, verified user experiences, and key data points that identify the most valuable and reliable credit card options available today.
- Pricing & Value
We evaluate total card cost and overall benefits, including interest rates, annual fees, and introductory offers. Cards that deliver substantial rewards and low costs earn higher scores. - Customer Satisfaction
Ratings reflect real consumer feedback from trusted platforms such as the BBB, Trustpilot, and similar consumer and expert review sources. Consistent positive sentiment earns higher points in our evaluation. - Features & Accessibility
We examine and assess reward structures, redemption flexibility, and approval odds. Cards that offer accessible qualification terms and versatile benefits receive higher ratings. - Transparency & Support
We analyze how clearly issuers disclose terms, fees, and reward details, as well as the responsiveness and quality of their customer support teams.
All terms, conditions, rates, and data are accurate at the time of publishing and subject to change without notice.
The Best Catch-All Credit Cards Comparison
| Chase Sapphire Preferred | Chase Ink Business Unlimited | Chase Freedom Unlimited | Wells Fargo Active Cash | City Simplicity | |
| Trust Rating Score | 8.9 | 8.4 | 8.1 | 8.0 | 7.5 |
| Pricing | $95 Annual Fee, 0% Foreign Transaction Fee | $0 Annual Fee, 3% Foreign Transaction Fee | $0 Annual Fee, 3% Foreign Transaction Fee | $0 Annual Fee, 3% Foreign Transaction Fee | $0 Annual Fee, 3% Foreign Transaction Fee |
| Features | 5x or 2x in rewards on travel, 3x dining, 1x all else | 5% on office supplies, internet, cable, and phone for first $25k; 2% on gas and dining, up to $25k; and 1% on all other purchases | 5% rewards on travel, 3% on drugstore and dining, 1.5% all else | 2% rewards rate, cell phone protection, and Visa Signature perks, Intro purchase and balance transfer APR | No late fees or penalty APRs, low-cost initial balance transfers |
| Credit Score Needed for Good Approval Odds | Excellent | Excellent | Good to excellent | Good to excellent | Good to excellent |
Chase Sapphire Preferred
Best Overall
Trusted Company Reviews Trust Rating Score for Chase Sapphire Preferred: 8.9
Review
The Chase Sapphire Preferred Credit Card is a solid all-around card option for travelers and everyday spenders alike. This sleek metal card focuses primarily on travel benefits. However, it also offers everyday practicality. It features some of the best rewards and redemption options among cards in its tier.
About
Issued by JPMorgan Chase Bank, the Sapphire Preferred card makes the most sense for those who want to earn rewards on travel, dining, and daily purchases. Its rewards program allows you to redeem your earned points for cash, statement credits, or travel through Chase Ultimate Rewards. Frequent travelers appreciate its lack of foreign transaction fees and travel protections, including trip cancellation coverage and primary auto rental insurance.
Features and Benefits
A flexible card for frequent travelers or anyone who values premium perks, without the premium price tag of ownership.
- 75,000-point bonus after spending $5,000 in the first 3 months
- 5x points on travel purchased through Chase Travel
- 3x points on dining, streaming services, and online grocery purchases
- $50 annual hotel credit
- Primary rental car insurance and trip delay coverage
- No foreign transaction fees
Why We Chose It
The Sapphire Preferred card ranks at the top of our list due to its generous rewards program, ease of use, and convenience. While its travel benefits rival those of premium cards, with this card, they come at a much discounted price. Additionally, its flexible points redemption options make it a solid choice for both casual and frequent travelers.
Pros
- Points redeemable through Chase Travel or several other options
- 1-to-11 point transfers with Chase’s top travel partners
- Metal card design adds a premium feel
Cons
- $95 annual fee
- Generally requires an excellent credit score to qualify
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $95 Annual Fee, 0% Foreign Transaction Fee | 5x or 2x in rewards on travel, 3x dining, 1x all else | Excellent |
Chase Ink Business Unlimited
Best for Small Business Owners
Trusted Company Reviews Trust Rating Score for Chase Ink Business Unlimited: 8.4
Review
The Chase Ink Business Unlimited Credit Card is ideal for small business owners looking for simplicity and predictable rewards earnings on business expenses. The card offers unlimited 1.5% cash back on all purchases, an impressive $900 bonus after meeting a $6,000 spending requirement in the first three months, and business-friendly tracking and integration tools.
About
The Chase Ink Business Unlimited card integrates with QuickBooks to help monitor spending. It’s also compatible with other Chase cards to help maximize your rewards.
Additionally, the card pairs well with Chase’s business checking and savings products, making it an efficient choice for small companies managing frequent transactions or employee spending. Speaking of which, Chase also offers no-cost employee cards under the same account.
Features and Benefits
Straightforward yet flexible, the Business Unlimited card provides hassle-free rewards so you can focus on maximizing your business.
- Unlimited 1.5% cash back on every purchase
- $900 bonus after $6,000 in spending within 3 months
- 0% intro APR for 12 months on purchases
- Free employee cards
- QuickBooks integration
- Fraud and purchase protection
Why We Chose It
We chose the Ink Business Unlimited for its ability to combine simple rewards with business-level tools. It’s one of the few small-business cards offering consistent cash back without an annual fee, helping business owners focus on growth rather than micromanaging rewards.
Pros
- Unlimited cash back
- Strong sign-up bonus
- Works well with business accounting systems
Cons
- 3% foreign transaction fee
- No specialized business category rewards
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $0 Annual Fee, 3% Foreign Transaction Fee | 5% on office supplies, internet, cable, and phone for first $25k; 2% on gas and dining, up to $25k; and 1% on all other purchases | Excellent |
Chase Freedom Unlimited
Best for Everyday Spending
Trusted Company Reviews Trust Rating Score for Chase Freedom Unlimited: 8.1
Review
The Chase Freedom Unlimited card is a practical option for consumers seeking solid returns on everyday purchases, with some extra perks for travel and dining. Not only is it a great all-around card, but it also appears in our overview of the best credit cards for gas and groceries.
About
The Chase Freedom Unlimited offers a substantial rewards program and no annual fee. While its 1.5% rewards on everything is slimmer than some cards, its real appeal is apparent to those looking for a low-cost travel and dining rewards product. Additionally, it offers an easy-to-get $200 sign-up bonus and a long 0% intro APR period for purchases and balance transfers.
Features and Benefits
From balance transfer perks to substantial rewards, this card makes an excellent daily use card with useful extras.
- 5% back on travel purchased through Chase Travel
- 3% on dining and drugstores
- 1.5% cash back on all other purchases
- $200 cash bonus after spending $500 in the first 3 months
- 0% intro APR for 15 months
- No annual fee
Why We Chose It
We chose the Freedom Unlimited card for our list due to its strong everyday and travel rewards combined with a lack of an annual fee. However, it’s important to note that the card does have foreign transaction fees associated with it, so it’s best for domestic travel versus international.
Pros
- Solid rewards program
- Long, 15-month, 0% intro APR window
- No annual fee
Cons
- 3% foreign transaction fee
- Lower base rewards than some flat-rate cards
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $0 Annual Fee, 3% Foreign Transaction Fee | 5% rewards on travel, 3% on drugstore and dining, 1.5% all else | Good to Excellent |
Wells Fargo Active Cash
Best for Flat-Rate Rewards
Trusted Company Reviews Trust Rating Score for Wells Fargo Active Cash: 8.0
Review
If you’re looking for a simple rewards program that requires virtually no thought whatsoever, the Wells Fargo Active Cash card could be your next card. Its unlimited 2% cash rewards rate on every purchase makes it easy to use. Additionally, its added perks, like cell phone insurance protection, easily land it a spot on our list.
About
Issued by Wells Fargo Bank, N.A., the Active Cash card provides flexible redemption options, including statement credits, entertainment tickets, and travel, all with no annual fee and no categories to worry about to maximize your earnings. It also includes cell phone insurance protection of up to $600 per claim if you use the card to pay your phone bill.
Features and Benefits
Predictability and solid rewards make this card a go-to all-arounder.
- 2% cash rewards on all purchases
- $200 bonus after $500 spent in first 3 months
- 0% intro APR for 15 months on purchases and balance transfers made within the first four months of card ownership
- $0 annual fee
- Up to $600 per claim cell phone insurance against theft or damage
- Visa Signature perks like entertainment access, tickets, and travel
Why We Chose It
We included the Active Cash card in our overview for its combination of strong flat rewards, low cost, and added protections. It’s a great option for those who value simplicity, security, and cash back on all purchases.
Pros
- 2% unlimited cash rewards
- $0 annual fee
- Extra protection benefits
Cons
- 3% foreign transaction fee
- Limited bonus rewards opportunities
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $0 Annual Fee, 3% Foreign Transaction Fee | 2% rewards rate, cell phone protection, and Visa Signature perks, Intro purchase and balance transfer APR | Good to Excellent |
Citi Simplicity
Best for Balance Transfers
Trusted Company Reviews Trust Rating Score for Citi Simplicity: 7.5
Review
The Citi Simplicity card lives up to its name. While it doesn’t offer much in the way of rewards perks, it does have benefits worth considering. First, it features one of the longest 0% intro APR periods available, at 21months for balance transfers and 12 months for purchases, giving you plenty of time to manage or consolidate balances. The card also appears in our review of the best balance transfer cards for average credit. Second, the Simplicity card doesn’t penalize you for late payments
About
Issued by Citibank, N.A., the Citi Simplicity card has no annual fee, no late fees, and no penalty APR, which is quite unusual for a card in its tier. It’s especially appealing to users who want to simplify repayment without worrying about hidden costs. What it lacks in rewards, it makes up for in protecting your wallet.
Features and Benefits
Straightforward design for maximum flexibility and low stress during repayment.
- 0% intro balance transfer APR for 21 months
- 0% intro purchase APR for 12 months
- No annual fee or penalty APR
- Choose your due date
- 3% balance transfer fee within the first four months
Why We Chose It
We chose Citi Simplicity for its unmatched repayment flexibility and consumer protections. While it doesn’t earn rewards, its low-risk, low-cost features makes it a go-to for reducing debt initially, and keeping around as a solid catch-all card solution.
Pros
- Industry-leading intro APR length
- No late or penalty fees
- $0 annual fee
Cons
- No rewards or bonuses
- 3% Foreign transaction fees apply
| Pricing | Features | Credit Score Needed for Good Approval Odds |
| $0 Annual Fee, 3% Foreign Transaction Fee | No late fees or penalty APRs, low-cost initial balance transfers | Good to Excellent |
Frequently Asked Questions
These are some of the most common questions surrounding catch-all credit cards.
Most of the best catch-all credit cards require a good credit score of at least 670, though more premium cards like the Chase Sapphire Preferred typically require scores well above 700. Lenders also consider income and credit history when determining your approval or denial.
A catch-all card can be worth it if you want consistent or predictable rewards without needing to manage multiple accounts to achieve a similar goal. They’re ideal for average consumers who want a little something extra for using their card without having to think about while making every purchase.