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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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10 Cards Available:

Credit card

Blue Business® Plus Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: $50,000

Estimated Rewards Value :

3.40%

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Blue Business® Plus Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: $50,000

Calculator
Estimated Rewards Value :

3.40%

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)

Highly Recommended: Earn 2x Membership Rewards points on everything with the Blue Business® Plus Credit Card - up to $50,000 per year. 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% introductory APR on purchases for 12 months, then 13.24% (Prime Rate + 9.99%) to 19.24% (Prime Rate + 15.99%.  (Rates and Fees)

Offer: Earn 15,000 Bonus Membership Rewards points when you spend $3,000 in your first 3 months. Terms apply. (Rates and Fees)
Credit card

Capital One Venture Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

3.00%

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Capital One Venture Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: 60,000 bonus Miles when you spend $3,000 within your first 3 months

Earn 2x Capital One miles on all purchases. Use as a travel eraser at 1 cent per point or transfer to airline miles.

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 purchase eraser, the early spend bonus value will be $500, exactly.

You can transfer to 16 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: 60,000 bonus Miles when you spend $3,000 within your first 3 months
Credit card

Capital One Spark Miles for Business

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

3.00%

Calculator

Capital One Spark Miles for Business

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

3.00%

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

This business card offers 2x on all purchases and 5X miles on hotel and rental car booked via Capital One Travel.

Use these miles as a purchase eraser at 1 cent per point, or transfer them to a range of airlines at the ratio of 2:1.5, which equals 1.5 airline miles per dollar spent.

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 purchase eraser, 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.

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Credit card

Citi Double Cash Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

Citi Double Cash Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: None at this time.

The Citi Double Cash credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back - or earn / transfer them to ThankYou Points for 2X points on all spend.

Balance Transfer Offer

Get a 0% intro APR on Balance Transfers for 18 months

Offer: None at this time.
Credit card

American Express Blue Business Cash™ Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: $50,000

Estimated Rewards Value :

2.00%

Calculator

American Express Blue Business Cash™ Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: $50,000

Calculator
Estimated Rewards Value :

2.00%

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)

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. 

Offer: Earn a $250 statement credit after spending $3,000 within your first 3 months. Terms Apply. (Rates and Fees)
Credit card

Capital One Spark Cash Plus

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.00%

Calculator

Capital One Spark Cash Plus

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Earn up to up to $1,000: $500 once you spend $5,000 in the first three months, and an additional $500 once you spend $50,000 in the first six months

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. 

Offer: Earn up to up to $1,000: $500 once you spend $5,000 in the first three months, and an additional $500 once you spend $50,000 in the first six months
Credit card

Capital One VentureOne Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 1.25X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

1.88%

Calculator

Capital One VentureOne Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 1.25X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

1.88%

Offer: 20,000 miles when you spend $500 within 3 months

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 to erase purchases 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 as a purchase eraser, the early spend bonus value will be $200, exactly.

You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: 20,000 miles when you spend $500 within 3 months
Credit card

Capital One Quicksilver

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

1.50%

Calculator

Capital One Quicksilver

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

1.50%

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.

Earns 1.5% cash back on all purchases with no annual fee and no foreign transaction fees. For those with good credit.

Offer: Get a $200 cash bonus when you spend $500 in your first 3 months.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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