Best Credit Cards Offers in 2024
Credit cards have become an essential part of our daily lives, providing us with the convenience of making purchases without carrying cash. However, with so many credit cards available in the market, it can be challenging to choose the right one that suits your needs.
Whether you’re looking for a card with a lucrative sign-up bonus, cash back, travel rewards, or low introductory APR offers, there are many factors to consider.
In this guide, we will explore the Best Credit Cards of February 2024, their unique benefits, and how they can cater to your specific financial goals. From the best credit card bonuses for new cardholders to the top choices for building credit, we will provide you with a comprehensive overview to help you navigate the landscape of credit cards.
Top Travel Rewards Credit Cards of 2024
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a popular travel rewards credit card that offers a range of benefits for frequent travelers. New card members can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.
The card provides 3x points on dining and 2x points on travel, along with a 25% boost in point value when redeemed through the Chase Ultimate Rewards program.
It also offers various travel protections, such as primary rental car insurance, trip cancellation/interruption insurance, and lost luggage insurance. The card has a $95 annual fee and no foreign transaction fees.
Pros:
- Earn high rewards in several areas of spending
- Transfer points to travel partners at a 1:1 rate
- Many travel and shopping protections
Cons:
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is a premium travel credit card that offers a range of benefits for frequent travelers. New cardmembers can earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening.
The card provides 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases.
It also offers a $300 annual credit for bookings made through Capital One Travel, which can help offset the card’s $395 annual fee.
Pros:
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
Cons:
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network is in its infancy
- Lack of hotel status benefits
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is a premium travel credit card known for its generous rewards and benefits. It offers a range of perks, including a $300 annual travel credit, airport lounge access, and a statement credit for Global Entry or TSA PreCheck application fees.
The card provides 3x points on dining and travel, and points are worth 50% more when redeemed through the Chase Ultimate Rewards program. While the card has a high annual fee of $550, the value of its benefits can outweigh the cost for frequent travelers.
Pros:
- A $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points transfer to valuable airline and hotel partners
Cons:
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
American Express® Green Card
The American Express® Green Card is a travel rewards credit card that offers a range of benefits for travelers who want to maximize their points-earning potential and enjoy essential travel.
New cardmembers can earn 60,000 Membership Rewards® Points after spending $3,000 on purchases on their new Card in their first 3 months of Card Membership, plus earn 20% back on eligible travel and transit purchases made during their first 6 months of Card Membership, up to $200 back in the form of a statement credit. The card has an annual fee of $150.
Pros:
- No foreign transaction fee
- Flexible redemption and points transfer options
- High rewards rate on dining, travel, and transit
Cons:
- Mediocre base rewards rate
- Limited features and perks
- No intro APR offer
- No balance transfer option
The Platinum Card® from American Express
The Platinum Card® from American Express is a premium travel credit card known for its extensive travel, entertainment, dining, retail, and wellness benefits.
It offers a range of perks, including a $200 annual airline fee credit, up to $200 in Uber credits, access to over 1,300 airport lounges, and a statement credit for Global Entry or TSA PreCheck application fees.
The card provides 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, as well as 5x points on eligible hotels booked on amextravel.com. The card has an annual fee of $695.
Pros:
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
Cons:
- Very high annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- The reward rate outside of travel is sub-par for a premium card
Top 0% APR Credit Cards of 2024
U.S. Bank Cash+® Visa Signature® Card
The U.S. Bank Cash+® Visa Signature® Card is a cash-back credit card that offers various benefits, including a $200 rewards bonus, 5% and 2% cash back categories, and Real-Time Rewards for instant redemptions.
Cardholders can earn 5% cash back on their first $2,000 in combined eligible purchases each quarter in two categories they choose, and 2% cash back on one everyday category, such as gas stations, restaurants, or grocery stores.
Pros:
- Up to 5% cash back in eligible categories
- 2% cash back in different eligible categories
- Welcome bonus
- 0% Intro APR on purchases for the first 15 billing cycles
- No annual fee
Cons:
- 5% cash-back rate limited to the first $2,000 in combined purchases in chosen categories each quarter
- You have to choose your 5% categories, meaning you can miss out on elevated rewards
- Foreign transaction fee
Best Balance Transfer Credit Cards of 2024
Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card is a credit card that offers a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers, with a variable APR of 18.24%, 24.74%, or 29.99% thereafter.
The card has no annual fee and offers cellphone protection, Visa travel benefits, and Wells Fargo deals, but it lacks ongoing rewards or additional perks that might make it worth using long-term. The card also has a foreign transaction fee of 3% for each transaction amount converted to U.S. dollars.
Overall, the Wells Fargo Reflect® Card is a good option for people with good credit who want to avoid interest charges on new purchases and balance transfers.
Pros:
- Generous introductory APR period for purchases and qualifying balance transfers
- $0 Annual Fee
Cons:
- No rewards program or welcome bonus
- Balance transfer fee: 5%, min: $5
- 3% Foreign transaction fee
Top Cash-Back Credit Cards of 2024
Chase Freedom Flex℠
The Chase Freedom Flex® is a versatile cash-back credit card that offers multiple bonus rewards. Cardholders can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter they activate.
The card also provides 5% cash back on travel purchased through Chase, 3% on dining, including takeout and drugstores, and 1% on all other purchases. The card has no annual fee and offers additional benefits such as cell phone protection and a $200 bonus after spending $500 on purchases in the first three months.
Pros:
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
Cons:
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Discover it® Cash Back
The Discover it® Cash Back credit card offers a unique cashback program. Cardholders can earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, and gas stations, up to the quarterly maximum when they activate.
Additionally, they earn 1% cash back on all other purchases. One of the most attractive features of this card is the Cashback Match, where Discover automatically matches all the cash back earned at the end of the first year for new card members, with no limit to how much they’ll match.
Pros:
- 5% cash back on quarterly rotating spending categories throughout the year (activation required)
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- No minimum cashback redemption
Cons:
- The 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate on everything else
Best Credit Cards With Category Bonuses of 2024
Prime Visa
The Prime Visa is a credit card offered in partnership with Amazon and Chase. It is available to Amazon Prime members and offers various benefits, including unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases, as well as unlimited 2% back at gas stations, restaurants, and on local transit and commuting.
The card also provides unlimited 1% back on all other purchases. Additionally, Prime members can receive a $100 Amazon Gift Card instantly upon approval. The card has no annual fee and offers a variable APR of 19.49%–27.49%.
Pros:
- 5% cash back on Amazon and Whole Foods purchases
- No spending is required for the welcome bonus
- No foreign transaction fees
- Travel and shopping protections
Cons:
- Requires an Amazon Prime membership
- No 0% introductory APR
- Low cash back for purchases outside of bonus categories
Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card is a credit card that offers significant rewards and benefits. It provides unlimited 3x points on travel, dining, and gas stations, as well as 1x points on other purchases. The card has no annual fee and offers a 0% intro APR for 12 months.
Cardholders can earn 20,000 bonus points when they spend $1,000 in purchases within the first 3 months. The card also includes features such as cell phone protection, auto rental collision damage waiver, and travel and emergency service assistance.
Pros:
- No annual fee
- No foreign transaction fee
- Introductory APR period
- Plentiful reward points categories
- Protections include cell phone insurance
Cons:
- Balance transfer fee
- No introductory balance transfer APR
- No travel transfer partners
Best Airline Credit Cards of 2024
United Club℠ Infinite Card
The United Club℠ Infinite Card is a premium credit card designed for frequent United Airlines travelers. It offers a range of benefits, including United Club membership, which provides access to United Club locations and participating Star Alliance-affiliated lounges.
The card also offers 4x miles on United purchases, 2x miles on dining and all other travel, and 1x mile per $1 spent on all other purchases. The card has an annual fee of $525 and provides various travel benefits, such as free first and second-checked bags, Premier Access® travel services, and no foreign transaction fees.
Pros:
- No foreign transaction fee
- United Club membership is worth more than the annual fee
- First and second-checked bags are free when you pay for your flight with your card
Cons:
- Very high annual fee
- No intro APR offer
- High regular APR
Aeroplan® Credit Card
The Aeroplan® Credit Card is a credit card offered in partnership with Air Canada and Chase. The card offers a sign-up bonus of 60,000 points after spending $3,000 on purchases in the first 3 months of account opening.
Cardholders can redeem Aeroplan points on 45 different airlines, and the card provides 25K elite status as a benefit of signing up. The card is a World Elite Mastercard and offers various travel benefits, including no foreign transaction fees, travel and emergency service assistance, and auto rental collision damage waiver.
Pros:
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers
Cons:
- $95 annual fee
- Lacks non-travel-related benefits
Top Hotel Credit Cards of 2024
Marriott Bonvoy Bountiful™ Credit Card
The Marriott Bonvoy Bountiful™ Credit Card is a premium credit card designed for frequent travelers and loyal patrons of Marriott hotels. It offers a substantial welcome bonus of 85,000 Bonus Points after spending $4,000 in purchases in the first 3 months.
Cardholders can earn unlimited Marriott Bonvoy® points on every purchase, with 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®, 4X points per $1 on the first $15,000 in combined purchases each year on grocery stores, dining, and gas stations, and 2X points for every $1 spent on all other purchases.
Pros:
- Strong rewards rate on Marriott stays, dining, and supermarket spending
- Generous welcome offer
- Complimentary Gold Elite Status
Cons:
- One free night only after $15,000 in purchases per year
- High annual fee
- No intro APR
IHG One Rewards Premier Credit Card
The IHG One Rewards Premier Credit Card is a credit card offered in partnership with IHG and Chase. The card offers a sign-up bonus of 140,000 points after spending $3,000 on purchases in the first 3 months of account opening.
Cardholders can earn up to 26x points per $1 spent at IHG hotels and resorts worldwide, with 10x points at IHG hotels and resorts with the card, up to 10x points from IHG for being an IHG One Rewards member, and up to 6x points from IHG with Platinum Elite status, a benefit of the card.
The card has an annual fee of $99 and offers a range of additional IHG One Rewards benefits.
Pros:
- Earn up to 26 points per dollar spent on IHG hotels worldwide
- Free night award every account anniversary
- The fourth night free on-point redemption stays
- Automatic Platinum Elite status
Cons:
- Poor earnings for everyday and non-category hotel purchases
- Low overall point value
- No worthwhile redemption options outside of IHG properties
Best Student Credit Cards of 2024
Discover it® Student Cash Back
The Discover it® Student Cash Back credit card is tailored for students and offers a $0 annual fee. It provides up to 1.5% cash back on every purchase with on-time payments, starting at 1% cash back on all purchases and increasing to 1.5% for students with a high GPA.
The card also features a unique Cashback Match, where Discover matches all the cash back earned at the end of the first year for new cardmembers.
Pros:
- 5% cashback on rotating bonus categories after enrollment
- First-year cash-back match
Cons:
- The 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate
Bank of America® Customized Cash Rewards credit card for Students
The Bank of America® Customized Cash Rewards credit card for Students is tailored for students and offers a $0 annual fee. It provides 3% cash back in a category of the cardholder’s choice, such as gas, online shopping, dining, or travel, and 2% cash back at grocery stores and wholesale clubs, up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
Additionally, it offers 1% cash back on all other purchases. The card also features a unique benefit that allows cardholders to change their 3% cash-back category once a month, enabling them to align the card with their planned purchases.
Pros:
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
Cons:
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Top Credit Cards for Customers With Fair Credit of 2024
Citi Custom Cash® Card
The Citi Custom Cash® Card is a cash-back credit card that offers up to 5% cash back on purchases in the cardholder’s top eligible spending category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.
The card automatically adjusts the cash back to the category in which the cardholder spends the most each month, eliminating the need to manually activate or select a category ahead of time.
The card also provides unlimited 1% cash back on all other purchases. It features a 15-month 0% promotional APR for purchases and balance transfers, and there is no annual fee.
Pros:
- No registration is required to earn bonus rewards
- Cash-back categories are unique categories that other cards may not offer bonus rewards for
- Introductory APR on purchases and balance transfers
- No annual fee
Cons:
- High balance transfer fee
- High foreign transaction fee
- Some everyday reward categories are neglected
Citi Double Cash® Card
The Citi Double Cash® Card is a Mastercard credit card that offers a straightforward cash-back rewards program. Cardmembers earn 2% cash back on every purchase – 1% when they make the purchase and an additional 1% when they pay it off.
There is no annual fee, and the card does not have restricting categories to keep track of or to enroll in. Cardmembers can redeem their cash back as a statement credit, direct deposit, or check, and there are also other ways to redeem points, including gift cards, travel, and Shop with Points at Amazon.com.
Pros:
- Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
- No cash-back cap—no limit on the amount of cashback that can be earned
- No annual fee
- Introductory APR period for balance transfers
Cons:
- Foreign transaction fee
- Balance transfer fee
- Lack of benefits seen in other no-annual-fee cards
- No introductory 0% APR on purchases
Top Credit Cards for Customers With Bad or No Credit of 2024
Discover it® Secured Credit Card
The Discover it® Secured Credit Card is a secured credit card designed to help individuals build or rebuild their credit history. It offers a $0 annual fee and cash-back rewards on purchases.
Cardholders can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% on all other purchases. The card also features a Cashback Match, where Discover matches all the cash back earned at the end of the first year for new card members.
Pros:
- No annual fee
- Cash-back rewards earning is uncommon for a secured card
- Free FICO score access each month
- Cashback Match doubles cash back rewards earned at the end of the first year
Cons:
- Bonus category rewards are capped
- Secured cards don’t provide many of the perks unsecured cards do
- Secured cards require refundable deposits
Upgrade Visa® Card
The Upgrade Visa® Card is a unique credit card that combines the features of a credit card and a personal loan. It offers a credit line from $500 to $25,000, and cardholders can use it anywhere Visa is accepted.
The card provides unlimited 1.5% cashback on every purchase, and cardholders can earn up to 10% extra cashback with Upgrade Shopping powered by Dosh®.
The card has no annual fee and offers a fixed interest rate on balances, which can be paid off in equal monthly installments over 24, 36, or 60 months.
Pros:
- No annual fee
- No foreign transaction or other fees
- Fixed monthly payments on your balance can help tame interest charges
Cons:
- No rewards
- No introductory APR
- No flexibility in carrying a balance
