What a out Citi Costco card? I know it's not in your list, but it covers a lot of categories with no limits.
4% on gas, 3 on on dining and travel, 2 on actual Costco shopping and 1 everywhere else.
Despite that it's not a true "catch-all" card, when combined with a 2% cb card, it's a force to be reckoned with, imo.
4% on gas, 3 on on dining and travel, 2 on actual Costco shopping and 1 everywhere else.
Despite that it's not a true "catch-all" card, when combined with a 2% cb card, it's a force to be reckoned with, imo.
The Chase Freedom Unlimited gives you 1.5% cash back on most purchases and 3% cash back on dining and drug stores. There is no minimum cash back redemption amount with Chase. If you're looking at just earning cash back with fewest hoops to jump through, the Chase FU offers more cash back opportunity, unless you do the qualifications for the PenFed 2%.
As @Ficoproblems247 also mentioned the Citi Double Cash gives you 2% as well (1% on purchases and another 1% when you pay it off), however you have to put roughly $1,250 spend on the card to earn the minimum $25 cash back redemption (if you don't reach $25, the balance does carry over each month until you earn enough to redeem). You don't have to open any checking account with Citi to get the 2% but it is pretty lackluster as far as features and benefits on the card, no cell phone protection, no bells and whistles etc. I've had the Citi DC card 6 years and ran it as our primary card up until last year, with no complaints. I wasn't looking for perks and bells and whistles, just a cash back card to put everyday purchases on and pay it off, it worked well for that.
EDIT:
@summerterrace one thing I forgot to add in my original reply if you do look into the Citi Doube Cash card, or anyone else who is looking into the Double Cash.
When you redeem the cash back, always deposit the cash back rewards into your checking account, even if you're wanting to apply it to your card balance. Then go back and make a payment from your checking account, the 1% cash back is on payments, not 1% back on statement credits.
Using the redeem as a statement credit, you do leave a little bit of the cash back on the table.
@summerterrace wrote:Our biggest spend is:
Groceries and catch all categories
Groceries around $800-$900 a month (we buy all household stuff at a supermarket)
Catchall like insurance, cleaning, pet expenses, subscriptions, cell phone, streaming, etc $1500-$2000 a month
I don't see it mentioned above, but the PayPal MasterCard is another good choice. It was our catch all card until we got the 3% AOD card.
Alliant Credit Union also has a flat no AF 2% card and a flat 2.5% card with a $99 AF. Depending on how much you will spend in a year, the Alliant 2.5% is a good card. I'm a member of Alliant FCU and they send me prequalification offers often, but the AOD card has basically replaced all my 1.5% - 2% cards.
@summerterrace wrote:Chase Freedom Unlimited- 1.5% on everything (have CSP), could do a product change from another card (like the Freedom I don't use)
Just some food for thought - the Freedom Unlimited would give 1.5% back on everything in cash back, but since you have CSP you could also redeem for travel at a 25% bonus, or 1.875% value. If you like the idea of your daily driver occasionally paying for some/all of a trip/vacation, this may be your best bet, even if a 2% card would see a little more. The difference between 1.875% and 2% on $20k in spending is $25 ($375 back vs $400).
Product changing from the Freedom has a few consequences, which may not matter to you at all. First, you lose the chance to earn the SUB on Freedom Unlimited. Second, if you ever did start using your Freedom regularly, you'd be able to add Freedom Flex to double the quarterly cap, while if you product change it you wouldn't be able to get the Freedom back. Obviously this would only matter if you went from not using a card to exceeding its quarterly cap, thus I doubt this would apply to you, but including the info nonetheless.
APR 
Future 
Chopping Block 
P2 Chopping Block 
@summerterrace wrote:Our biggest spend is:
Groceries and catch all categories
Groceries around $800-$900 a month (we buy all household stuff at a supermarket)
Catchall like insurance, cleaning, pet expenses, subscriptions, cell phone, streaming, etc $1500-$2000 a month
Bit of a pivot, but since you're a NFCU member, their More Rewards AmEx could be another option. Using $850 for grocery and $1750 for other monthly, More Rewards would earn $43 in cash back while a 1.5% card would earn $39... though a 2% card would beat both at $52. CFU + CSP would see $48.75 in travel value. Both the More Rewards and the CFU would actually earn more as well, since each would hit some purchases at a bonus, but hard to quantify.