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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 from American Express

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 from American Express

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: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months

Highly Recommended:

Earn 2x Membership Rewards points on everything - 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  (Terms apply)

Offer: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months
Credit card

Chase Ink Unlimited Business Credit Card

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.63%

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Chase Ink Unlimited Business Credit Card

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

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Estimated Rewards Value :

2.63%

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months

The simplest of the Chase Business cards, it earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points.

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 on new purchases 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 $500.

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months
Credit card

Chase Freedom Unlimited Credit Card

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.63%

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Chase Freedom Unlimited Credit Card

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.63%

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months

A no-fee Chase card offering 1.5x Ultimate Rewards points on everything. 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. It also now offers 5X points on Lyft rides.

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.

0% Interest APR Intro Offer:

Get a 0% Intro APR for 15 months (Terms Apply)

Offer: Get $150 (15,000 Ultimate Rewards points) when you spend $500 in your first 3 months
Credit card

Capital One® Venture® Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.40%

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Capital One® Venture® Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.40%

Offer: 50,000 bonus points when you spend $3,000 in 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 at 2:1.5 ratio (equals 1.5 airline miles per dollar spent).

Earn 5% on Capital One Travel-booked hotel and rental car bookings

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.

Click below to see details on the airline partners.

Offer: 50,000 bonus points when you spend $3,000 in 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 :

2.40%

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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 :

2.40%

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.

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

Capital One® Spark® Cash for Business

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

2.00%

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Capital One® Spark® Cash for Business

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Get $500 when you spend $4,500 in your first 3 months

This business card offers 2% cash back on all purchases, with no bonus categories to remember.

We know a lot of people that want the simplicity of having one card for all expenses with no bonus categories to remember.

One additional hidden benefit of this card is that if you also have the Capital One Spark Miles for Business credit card, you can accumulate cash back on this card and, if you choose, transfer to your Spark Miles account to transfer out to Capital One airline partners.

Offer: Get $500 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%

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Citi Double Cash Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

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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%

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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: None

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: None
Credit card

Capital One® Spark® Miles Select for Business

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

1.80%

Calculator

Capital One® Spark® Miles Select for Business

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

1.80%

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 months

This no-fee business card offers 1.5x Capital One miles and 5X miles on hotel and rental car booked via Capital One Travel on all purchases with no annual fee.

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.

NOTE: 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.

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 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 :

1.50%

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 :

1.50%

Offer: 20,000 miles when you spend $1,000 within 3 months

This no-fee card offers 1.25x on all purchases and 5X on hotels and car rentals booked via Capital One Travel.

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.

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 $200, 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.

Click below to see details on the airline partners.

Offer: 20,000 miles when you spend $1,000 within 3 months

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