With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.