Best card for everything else, honestly
No invented "average spender": where the best card for everything else actually changes as your spending grows — caps, annual fees, and earning rates measured against a flat 2% cash-back baseline, counting only cards you can get today.
What counts as everything else: Everything that doesn't fit another bucket — the spending that lands at a card's base rate.
No card you can get today beats a plain no-fee 2% cash-back card on everything else net of its annual fee — that's the honest verdict at every spend level.
Rates only — statement credits and perks are deliberately not counted here. They depend on how you'd actually use them, and each card's page asks those questions before adding a cent.
Best card for: Dining · Groceries · Flights · Hotels · Other travel · Gas & EV charging · Streaming · Internet, phone & cable · Transit & rideshare · Drugstores · Online retail
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