The BEST Catch-All Credit Cards (2024 Update)

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When it comes to the best catch-all credit cards that cover all purchases with a multiplier of at least 2.5% equivalent or more, which one is the best to use?

Of course, there are plenty of cards that fit this category, including the SoFi Mastercard and the Fidelity Rewards VISA, but what if you want cards that can get you more than just 2% cash back.

In this video, I’m going to cover the 6 cards that fit these criteria to use in either a single or multi-card setup that can help you get the best return on your spend.

There are two factors necessary for a true catch-all credit card. It must be able to be used anywhere without thought, which means, if I were to go to pay for something, whether it be in-store or online, in the U.S. or abroad, I shouldn’t have to worry if the merchant will accept my card or charge me a transaction fee.

And these factors are:
1. Should not be an American Express, and
2. Should have no foreign transaction fees.

Ideally, our catch all credit card would also have no annual fee so the cash back we get is simply pure value, but some do have annual fees, but depending on what you’re looking for, these may still be great catch-all options depending on your specific use-case.

The cards we discuss in today's video are the Alliant VISA Signature card, the Robinhood Gold card, the Bank of America Travel Rewards, Premium Rewards, and Premium Rewards Elite credit cards, and the Capital One Venture X.

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📚 Chapters:
00:00 Intro
00:38 Factors for a True Catch-All Credit Card
02:15 Best Catch-All Credit Cards
14:07 Outro

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Some of the products that appear on this website are from companies from which I will earn an affiliate commission or referral bonus. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

I am not a financial advisor, accountant, or lawyer and do not provide financial, tax, or legal advice. This video and any ideas presented in it are my opinions and are provided for entertainment purposes only. Please do your own research and consult your own financial, tax, or legal professional for specific advice.
 
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[TheCreditFrog]

The US Bank Smartly card should be on this list (up to 4% catch-all!), but this card was announced after I made this video. I’ll do a full video review of that card after it becomes publicly available.

[MattWelterOfficial]

Really important to have a foundational catch-all Card in all of our Setups, because with how crazy life is, you never know what sort of expenses you'll need to use them for! I really liked how you narrowed down this list in terms of accessibility and making sure it can be used everywhere as well. Definitely an important distinction when we are talking about being able to use the Card internationally for example. I'm loving my Venture X as my catch-all currently! Great video Stan!

[soapa]

I’m most likely getting the Smartly card, since I already use US Bank and have around $8K flowing through my checking account. Might as well get 2.5%

[angelynburk]

For USA spend only i use my hilton business as it is 5x on everything. Ae avg north of 0.75cpp. Maybe not the best but we use it to fund at least 2 weeks/15 days every other year at a resort.

[albertchi]

Hello Stan! I know you’re using US BANK smartly at the moment, are you still keeping your premium reward card?

[knifefightelmo]

Saw You tell someone a best catch all credit card had to be one card. Not some multi card bunch of 5% credit cards with caps less than 3 grand. Then I would say the us bank altitude reserve. In the world of CATCH EVERYTHING that seems better all told than anything here if I can only have one. <shrug>

[ryanarnold]

Thanks Stan. Good mention of opportunity lost putting $ in some of these banks to get the higher %. Hard to beat a standard 2% catch all. Synchrony bank has one that no one ever does a show on it. Maybe you should do a show on the synchrony bank 2% catchall card.

[SleepyRod]

Venture X is my fav card. So easy to justify, can use it anywhere as it’s a visa. Has transfer partners I need and it’s the best when paired with the Savorone.

I do wish I could use the $300 travel credit outside the C1 portal but for the most part I haven’t seen inflated prices when used for flights in the portal.

Hotel prices are inflated tho, so would not recommend using it for hotel bookings in the C1 portal.

[thomaswu]

Hey Stan love the content! I know you mentioned the SoFi Mastercard but why not include them in the video? They get a 10% boost with direct deposits, bringing them up to a 2.2% cash back with no foreign transaction fees and $0 annual fee

[paquitojhs]

Would Gold tier be worth at all for BofA cards?