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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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12 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

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

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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 16.99% - 24.99% (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 Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

3.20%

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Capital One Venture Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 2X

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

3.20%

Offer: 75,000 bonus Miles when you spend $4,000 within your first 3 months

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.

Offer: 75,000 bonus Miles when you spend $4,000 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 :

3.20%

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Capital One Spark Miles for Business

Expenses Not in Any Other Category Multiplier: 2X

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

3.20%

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.

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.

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

Capital One Venture X Credit Card

Expenses Not in Any Other Category Multiplier: 2X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

3.20%

Calculator

Capital One Venture X Credit Card

Expenses Not in Any Other Category Multiplier: 2X

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

3.20%

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 10 Miles per dollar when you book on Turo, a sharing marketplace, through May 16, 2023.
  • 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.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within 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

dollar 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 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. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.

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

dollar 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.

0% Intro APR

0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors as determined at the time of account opening.

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

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

Offer: Earn up to a $1,000 cash bonus: Earn $500 once you spend $5,000 in the first 3 months, and another $500 once you spend $50,000 in the first 6 months of account opening

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

Offer: Earn up to a $1,000 cash bonus: Earn $500 once you spend $5,000 in the first 3 months, and another $500 once you spend $50,000 in the first 6 months of account opening
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 :

2.00%

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Capital One VentureOne Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 1.25X

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

2.00%

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 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; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

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

Capital One Quicksilver Cash Rewards Credit Card

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 Cash Rewards Credit Card

Expenses Not in Any Other Category Multiplier: 1.5X

dollar 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.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

0% intro APR on purchases and balance transfers for 15 months; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

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

Upgrade Bitcoin Rewards Visa®

Expenses Not in Any Other Category Multiplier: 1.5X

Annual Expenses Not in Any Other Category Limit: Unlimited

Estimated Rewards Value :

1.50%

Calculator

Upgrade Bitcoin Rewards Visa®

Expenses Not in Any Other Category Multiplier: 1.5X

dollar Annual Expenses Not in Any Other Category Limit: Unlimited

Calculator
Estimated Rewards Value :

1.50%

Offer: None at this time

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.

Offer: None at this time

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