Best 10 Rewards Credit Cards 2024
In 2024, the best rewards credit cards offer a variety of benefits tailored to different spending habits, making it easier for consumers to maximize their rewards. These cards typically feature generous sign-up bonuses, cash back, and travel rewards, appealing to both casual spenders and frequent travelers alike.
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Among the top contenders, cards like the Chase Sapphire Preferred and the American Express Gold Card stand out for their lucrative point systems and versatile redemption options. The Chase Sapphire Preferred, for instance, offers double points on travel and dining, along with a substantial sign-up bonus, making it ideal for those who enjoy dining out or traveling. Meanwhile, the American Express Gold Card provides excellent rewards on groceries and dining, catering to food enthusiasts. Additionally, cards like the Capital One Venture Rewards and Discover it Cash Back are popular for their straightforward rewards structures and no annual fees. Overall, the best rewards credit cards of 2024 cater to a diverse range of preferences, ensuring that cardholders can find the perfect match to enhance their spending experience.
Chase Sapphire PreferredView AllChase Sapphire Preferred - Unlock travel rewards with Chase Sapphire Preferred!
Capital One Venture RewardsView AllCapital One Venture Rewards - Travel far, earn rewards with every adventure!
American Express Gold CardView AllAmerican Express Gold Card - Elevate your experience with exclusive rewards and benefits.
Discover it Cash BackView AllDiscover it Cash Back - Earn cash back on every purchase, effortlessly!
Citi Double Cash CardView AllCiti Double Cash Card - Earn cash back twice, effortlessly.
Wells Fargo Propel American ExpressView AllWells Fargo Propel American Express - Unlimited rewards for your everyday adventures.
Bank of America Premium RewardsView AllBank of America Premium Rewards - Unlock luxury rewards with Bank of America Premium.
Blue Cash Preferred CardView AllBlue Cash Preferred Card - Earn big rewards on everyday spending!
Chase Freedom UnlimitedView AllChase Freedom Unlimited - Endless cash back, limitless possibilities.
U.S. Bank Altitude Go CardView AllU.S. Bank Altitude Go Card - Unlimited rewards, your journey starts with Altitude Go!
Best 10 Rewards Credit Cards 2024
1.
Chase Sapphire Preferred
The Chase Sapphire Preferred is a popular travel rewards credit card known for its generous sign-up bonus and flexible earning potential. Cardholders earn 2x points on travel and dining at restaurants, and 1 point per dollar spent on all other purchases. Points can be redeemed for travel through the Chase Ultimate Rewards program at an increased value, or transferred to numerous airline and hotel partners. The card also offers travel protections, no foreign transaction fees, and a low annual fee, making it an attractive choice for frequent travelers.
Pros
High rewards rate- flexible points redemption
- travel perks
- no foreign transaction fees.
Cons
High annual fee- foreign transaction fees
- limited bonus categories
- and redemption restrictions.
2.
Capital One Venture Rewards
The Capital One Venture Rewards Credit Card is designed for travelers who want to earn rewards on their purchases. Cardholders earn two miles for every dollar spent on every purchase, with no limits on earning potential. Additionally, the card offers a generous sign-up bonus, which can be redeemed for travel expenses. It features no foreign transaction fees, making it ideal for international use. Other benefits include travel accident insurance, car rental coverage, and access to 24/7 customer service, making it a versatile option for frequent flyers.
Pros
- Flexible rewards
- no foreign transaction fees
- travel perks
- sign-up bonus
- easy redemption options.
Cons
- High annual fee
- limited transfer partners
- foreign transaction fees
- redemption value can vary.
3.
American Express Gold Card
The American Express Gold Card is a premium charge card designed for food lovers and frequent travelers. It offers generous rewards points on dining, groceries, and flights, making it ideal for those who enjoy culinary experiences and travel. Cardholders receive benefits like a dining credit at select restaurants, no foreign transaction fees, and access to exclusive events. The Gold Card also features travel insurance and purchase protection. With an annual fee, it caters to individuals who value premium perks and rewards in their everyday spending.
Pros
- Rewards on dining
- travel perks
- no foreign transaction fees
- exclusive events
- strong customer service.
Cons
- High annual fee
- limited acceptance
- foreign transaction fees
- and potential for high-interest rates.
4.
Discover it Cash Back
The Discover it Cash Back card offers a dynamic rewards program that allows cardholders to earn 5% cash back on rotating categories each quarter, such as grocery stores, gas stations, and restaurants, up to a quarterly maximum. Additionally, users earn 1% cash back on all other purchases. New cardholders can benefit from a unique introductory offer where Discover matches all cash back earned in the first year. The card has no annual fee and provides access to tools for tracking spending, making it a valuable option for savvy consumers.
Pros
- 5% cash back on rotating categories
- no annual fee
- and match first-year rewards.
Cons
- Limited acceptance
- rotating categories can be complicated
- foreign transaction fees apply.
5.
Citi Double Cash Card
The Citi Double Cash Card offers a straightforward cash back rewards program, allowing cardholders to earn 2% cash back on all purchases—1% when you buy and an additional 1% as you pay for those purchases. There’s no annual fee, and it features a 0% introductory APR on balance transfers for 18 months (then a variable APR applies). Additionally, cardholders can benefit from various fraud protection features and access to Citi's mobile app for managing their account. It's an excellent choice for those seeking simplicity and rewards on everyday spending.
Pros
- 2% cash back on all purchases
- no annual fee
- flexible redemption options.
Cons
- No sign-up bonus
- foreign transaction fees
- limited rewards categories
- annual fee after first year.
6.
Wells Fargo Propel American Express
The Wells Fargo Propel American Express card is a versatile rewards credit card that offers a variety of benefits for everyday spending. It earns 3 points per dollar on dining, travel, and streaming services, and 1 point per dollar on all other purchases. The card comes with no annual fee and includes features such as cell phone protection and access to exclusive events. Additionally, cardholders can enjoy a generous introductory offer and flexible redemption options for points, making it an attractive choice for both casual and frequent spenders.
Pros
- No annual fee
- generous rewards on travel and dining
- flexible redemption options.
Cons
- Limited acceptance since it's an American Express card; fewer benefits for non-travel purchases.
7.
Bank of America Premium Rewards
Bank of America Premium Rewards credit card offers a competitive rewards program with 2 points per dollar spent on travel and dining, and 1.5 points on all other purchases. Cardholders enjoy a generous sign-up bonus, no annual fee for the first year, and a variety of travel benefits, including no foreign transaction fees and travel accident insurance. Additionally, the card provides access to exclusive experiences and events through the Bank of America Preferred Rewards program, making it an excellent choice for frequent travelers and those seeking valuable rewards.
Pros
- Flexible rewards
- no foreign transaction fees
- travel benefits
- redeem for cash or travel.
Cons
- High annual fee
- limited bonus categories
- foreign transaction fees
- and lower rewards on some purchases.
8.
Blue Cash Preferred Card
The Blue Cash Preferred Card from American Express offers a compelling rewards structure, featuring 6% cash back on select U.S. supermarkets (up to $6,000 per year), 6% on streaming subscriptions, 3% on transit, and 1% on other purchases. Cardholders enjoy a welcome bonus after meeting spending requirements and no annual fee for the first year, followed by a competitive annual fee. The card also includes access to American Express benefits, such as purchase protection and extended warranty, making it a strong choice for everyday spending and family expenses.
Pros
- High cash back on groceries
- no annual fee for first year
- valuable rewards.
Cons
- High annual fee
- foreign transaction fees
- limited rewards categories
- requires good credit for approval.
9.
Chase Freedom Unlimited
Chase Freedom Unlimited is a cash back credit card that offers unlimited 1.5% cash back on all purchases, making it an ideal choice for everyday spending. New cardholders can earn a lucrative sign-up bonus after meeting a specified spending requirement within the first few months. Additionally, it features no annual fee, making it accessible for a wide range of users. The card also provides 0% introductory APR on purchases for the first 15 months, allowing for flexible payment options. With no rotating categories, it’s a straightforward and rewarding option for cash back enthusiasts.
Pros
- Cashback on all purchases
- no annual fee
- introductory bonus
- and flexible redemption options.
Cons
- High foreign transaction fees
- limited rewards categories
- and average redemption options.
10.
U.S. Bank Altitude Go Card
The U.S. Bank Altitude Go Card is a no-annual-fee rewards credit card designed for frequent diners and travelers. It offers 4x points on dining, 2x points on groceries, gas, and streaming services, and 1x points on all other purchases. Cardholders enjoy a generous sign-up bonus and benefits like no foreign transaction fees, purchase protection, and extended warranty coverage. The card also features a flexible redemption program, allowing points to be used for travel, cash back, gift cards, and more. Ideal for those who prioritize rewards on everyday spending.
Pros
- No annual fee
- flexible rewards
- dining bonuses
- travel perks
- and easy redemption options.
Cons
- High annual fee
- limited rewards categories
- foreign transaction fees
- and fewer perks compared to competitors.