Expenses Not in Any Other Category
This site is all about helping you find the credit cards with bonus categories that match your spending habits. But what about expenses that don’t have any bonus categories? Expenses like college tuition, insurance, medical bills, and contractors.
These credit cards offer the best returns on your spend for expenses that don’t fit into any bonus categories. They have the highest “base rate” for earnings.
You can view business credit cards, personal credit cards, or both. Or find the best credit card for any other bonus category.
The “Estimated Rewards Value” shown represents the average return you can expect on that spend, factoring in the bonus multiplier and the Your Best Credit Cards valuation of the specific mile or point earned by that card. This represents the return you can expect to get if you spend some time to learn about that particular rewards program and is not a minimum or guaranteed return.
Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
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13 Cards Available:

The Blue Business® Plus Credit Card from American Express
Annual Expenses Not in Any Other Category Limit: $50,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.40%
The Blue Business® Plus Credit Card from American Express
Annual Expenses Not in Any Other Category Limit:
$50,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.40%
Highly Recommended: Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners with The Blue Business® Plus Credit Card from American Express - on up to $50,000 per year of spend (earn 1X thereafter). This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.
Intro 0% APR - 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% (Rates and Fees)

Capital One Venture Rewards Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Capital One Venture Rewards Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
The Capital One Venture card is one of the most flexible in the industry, particularly if you are a frequent traveler. It earns double miles on every purchase with no bonus categories to remember. You can redeem these points for previous travel purchases (worth a penny a point) or transfer them to travel partners.
You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or you can transfer them to a range of airlines and hotel partners.
1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use it to rebate charges for travel, the early spend bonus value will be 1 cent per point, exactly.
You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Capital One Spark Miles for Business
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Capital One Spark Miles for Business
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
This business card offers 2x on all purchases and 5X miles on hotel and rental car booked via Capital One Travel.
You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or transfer them to a range of airlines and hotel partners.
It also has a $100 credit for Global Entry or PreCheck once every 5 years.
NOTES:
1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a rebate on travel spend, the early spend bonus value will be $500, exactly.
2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.
You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Capital One Venture X Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Capital One Venture X Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Capital One Venture X Credit Card Earn Rate
- 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
- 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
- 2X Capital One Miles on everything else
Capital One Venture X Credit Card Benefits
Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.
- Up to a $300 credit annually for bookings made on Capital One Travel
- 10,000 bonus miles every account anniversary (equal to $100 towards travel)
- Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Effective January 1, 2023, Priority Pass non-lounge airport experiences (like dining, retail shopping and spa discounts) are not part of the Visa Infinite® benefit program for Venture X cardholders.)
- Up to $100 in statement credits for either TSA PreCheck or Global Entry
- Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
- Primary Car Rental Collision/Damage Coverage
- Authorized Users can be added for no fee and they also get their own Priority Pass membership.
- Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
- No foreign transaction fees
You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.
If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Capital One Venture X Business Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
Capital One Venture X Business Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.3.20%
How the Venture X Business Earns Miles
Like the personal version of the card (the Venture X), you'll get:
- 10X Capital One Miles on hotels and rental cars when booked via Capital One Travel
- 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
- 2X Capital One Miles on everything else
Capital One Venture X Business Credit Card Benefits
One big difference between this card and the Venture X is that this is a Pay in Full card (balance due in full each month) with no preset spending limit. So you can expect to be able to put a ton of spend on the card.
Besides that, you'll notice it basically looks like Venture X, but it is missing a few perks. There's no Hertz President's Club status. I'm also not yet sure what the car rental CDW and travel protections look like. The personal card is a Visa Infinite but this is a Business card and benefits can vary. So I'm going to omit those details until I can confirm.
Another difference is that Authorized Users can be added for no fee but they do NOT get their own Priority Pass membership.
You won't be eligible if you already have a Spark Cash Plus, but other than that, most people should be eligible.
This card will not report to your personal credit, just like the Spark Cash Plus doesn't.
What you will get:
- Up to a $300 credit annually (cardmember year, not calendar year) for bookings made on Capital One Travel
- 10,000 bonus miles every account anniversary (equal to $100 towards travel)
- Unlimited access to including Capital One Lounges and their Partner Lounge Network including Plaza Premium and Priority Pass. Like the personal card, you won't have access to Priority Pass "Experiences" such as airport restaurants.
- When using airport lounges, members (and authorized users) can bring in two guests to Plaza Premium and Capital One lounges as well as unlimited guests for Priority Pass lounges.
- Up to $100 in statement credits for either TSA PreCheck or Global Entry
- Authorized Users can be added for no fee but they do NOT get their own Priority Pass.
- Book a stay at luxury hotels and resorts from the Premier Collection and get a $100 experience credit and other premium benefits on every booking
- No foreign transaction fees

Chase Ink Business Unlimited® Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.63%
Chase Ink Business Unlimited® Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.63%
The simplest of the Chase Business cards, the Chase Ink Business Unlimited® Credit Card earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2025.
It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.
0% APR Intro Offer
Get 12 months of 0% Interest (18.49% - 24.49% thereafter) on purchases on your new card account for 12 months (Terms apply).
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $750.

Chase Freedom Unlimited® Review
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.63%
Chase Freedom Unlimited® Review
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.63%
A no-fee Chase card offering 1.5x Ultimate Rewards points on everything, except as noted below. It's best combined with a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.
Chase Freedom Unlimited® Earn Rate:
- 5X on travel when purchased through the Chase Ultimate Rewards portal*
- 5X on Lyft until March 2025
- 3X on dining (including takeout and delivery)
- 3X at drugstores
- 1.5X on everything else
NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve or Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.
Instacart Benefits
- 3 free months of Instacart Express
- $10/quarter in statement credits
0% Interest APR Intro Offer:
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Note: Our rewards optimization calculator will count all travel on this card at 5X, but please note the limitations around that above.

Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
This card is no longer available at Your Best Credit Cards. We suggest the Capital One SavorOne Cash Rewards Credit Card instead. '
The Citi® Double Cash Card - 18 month BT offer credit card is one of the "gold standards" in cash back cards.
This card earns a flat 2% cash back in a slightly different way.
You will earn 1% cash back twice: first when you make the charge, then when you pay. That's 2% total.
Cash back will be earned in the form of ThankYou Points, redeemable for cash or combinable with your other ThankYou points.
You can redeem your points directly for cash or you can convert Double Cash points to JetBlue. And if you have a Citi Premier or Citi Prestige, then you can also transfer them to Citi's participating travel loyalty programs at a 1:1 ratio, making this card worth a look for points and cash aficionados alike.
Balance Transfer Offer
0% intro APR on Balance Transfers for 18 months, then 19.24% - 29.24%.

The American Express Blue Business Cash™ Card
Annual Expenses Not in Any Other Category Limit: $50,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
The American Express Blue Business Cash™ Card
Annual Expenses Not in Any Other Category Limit:
$50,000
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
The American Express Blue Business Cash credit card allows you to earn a simple 2% in cash back (on up to $50,000 a year of purchases) without paying an annual fee.
0% Intro APR
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%.

Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Information collected independently. Not reviewed by Capital One.
The new Capital One Spark Cash Plus replaces the older Spark Cash card and earns 2% cash back on everything. The primary difference is that the new Spark Cash Plus is a charge card with no preset spending limit, making it ideal for companies that spend a lot on their cards and tend to run into issues with credit limits.
Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Capital One VentureOne Rewards Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
Capital One VentureOne Rewards Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.2.00%
This no-fee card offers 1.25x on all purchases.
Compare this card with the standard Venture which earns 2x miles on all purchases. Spend your miles on travel at a penny per mile or transfer them to more than a dozen airlines.
Most people would fare better with the standard Capital One Venture card, despite its annual fee, because it earns at the rate of 2x per dollar instead of 1.25x.
The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use to book travel, the early spend bonus value will be $200, exactly.
You can transfer to more than 15 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Capital One Quicksilver Cash Rewards Credit Card
Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.50%
Capital One Quicksilver Cash Rewards Credit Card
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.50%
Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.
Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.
Uber Benefit
Get up to 6 months of complimentary Uber One membership statement credits through November 14, 2024.
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Annual Expenses Not in Any Other Category Limit: Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.50%
Annual Expenses Not in Any Other Category Limit:
Unlimited
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This is the Estimated Rewards Value that you can expect to earn from the points earned on this card on average if you know a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.1.50%
Earn 1.5% back as Bitcoin.
This is a super simple credit card designed for those that want to earn their cash back as crypto without having to convert and buy later.
With no foreign transaction fees, this card is that simple: as you spend, you'll earn 1.5% back in rewards that automatically are used to purchase Bitcoin.
They also note the following: Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit.
* To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
More Bonus Categories
Bonus Offer
Earn 60,000 bonus points with a Chase Sapphire Preferred
One of the best cards if you’re new to miles and points.

Chase Ink Preferred
Here’s how we calculated your Rewards Value:
Point Value X Multiplier = Rewards Value
X =
Here’s how we calculated your Bonus Value:
Point Value X Bonus = Bonus Value
X =
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Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.