The 6 Best Credit Cards of 2024
Choosing the right credit card can be overwhelming, given all of the options available. To simplify the process, here’s a rundown of 6 of the best credit cards available in 2024, plus 3 honorable mentions. Whether you're aiming to earn points and miles for travel or you just want to earn cash back, these cards offer something for everyone.
1. Citi Custom Cash® Card
Intro Offer
Annual Fee
Main Features
Earn 5% cash back on your top eligible spend category each billing cycle, on up to $500 spent (categories include restaurants, gas stations, grocery stores, and more)
Rewards are earned as valuable Citi ThankYou® Points
My Take
Ideal for those who want no annual fee, flexibility in their spending categories, and a high potential earning rate
2. Capital One Venture X Rewards Credit Card
Intro Offer
Annual Fee
Main Features
$300 annual credit for bookings through Capital One Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®
10,000 bonus miles every account anniversary, starting with your first anniversary (a $100 value)
Earn 10x miles on hotels and rental cars booked through Capital One Travel
Earn 5x miles on flights and vacation rentals booked through Capital One Travel
Earn 2x miles on all other purchases
Travel protections
Airport lounge access
Transfer miles to travel partner programs
Cell phone protection
My Take
Ideal for those who want premium travel benefits and rewards at a very reasonable annual fee
3. Capital One Savor Cash Rewards Credit Card
Intro Offer
Annual Fee
Main Features
Earn 5% cash back on hotels and rental cars booked through Capital One Travel
Earn 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
No foreign transaction fees
My Take
Ideal for those who want great rewards in a number of everyday categories with no annual fee
4. Citi Strata Premier℠ Card
Intro Offer
Annual Fee
Main Features
Earn 10x points on hotels, car rentals, and attractions booked through cititravel.com
Earn 3x points on air travel, other hotels, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit on a single hotel stay of $500 or more booked through cititravel.com (excluding taxes and fees)
No foreign transaction fees
Travel protections
Transfer points to travel partner programs
My Take
Ideal for those who want great rewards in a number of categories and some travel protections for a low annual fee
5. Bilt Mastercard®
Intro Offer
None
Annual Fee
$0
Main Features
Earn 1x Bilt Points on rent payments without the transaction fee (up to 100,000 Bilt points each calendar year)
Earn 2x Bilt Points on travel
Earn 3x Bilt Points on dining
Earn 1x Bilt Points on other purchases
Earn double points for Rent Day on the first day of each month (except rent payments)
No foreign transaction fees
Transfer points to travel partner programs
Travel protections
Cell phone protection
My Take
Ideal for those who want to earn rewards on rent payments with no annual fee, while accessing Bilt’s amazing list of transfer partners to redeem those rewards
6. Prime Visa
Intro Offer
Annual Fee
Main Features
Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases (with an eligible Prime membership)
Earn 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn 1% back on all other purchases
No foreign transaction fees
Travel protections
My Take
Ideal for Prime members who shop frequently at Amazon and Whole Foods Market, and who want to earn high rewards with no annual fee
Honorable Mentions
1. Blue Cash Everyday® Card from American Express
See Rates and Fees; Terms Apply
Intro Offer
Annual Fee
Main Features
Earn 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases (then 1% cash back)
Earn 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1% cash back)
Earn 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1% cash back)
Earn 1% cash back on other purchases
Cash Back is received in the form of Reward Dollars which can be redeemed as a statement credit
$84 Disney Bundle credit (receive $7 back monthly as a statement credit after spending $9.99 or more each month on an eligible auto-renewing subscription to the Disney Bundle while using this card, enrollment required)
$180 Home Chef credit (receive up to $15 per month as a statement credit after purchasing an auto-renewing subscription to Home Chef while using this card, enrollment required)
My Take
Ideal for those who prefer cash back and spend a lot on groceries, online shopping, and gas
For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
2. Chase Sapphire Preferred® Card
Intro Offer
Annual Fee
Main Features
Cardholders can earn up to $50 in statement credits every account anniversary year for hotel stays that are booked through Chase Travel℠
5x points on travel booked through Chase Travel℠ (excluding hotel purchases that qualify for the card’s $50 Annual Chase Travel Hotel Credit)
2x points on other travel purchases
3x points on dining, including eligible delivery services, takeout and dining out
3x points on online grocery (excluding Target, Walmart and wholesale clubs)
3x points on select streaming services
1x points on all other purchases
No foreign transaction fees
Travel protections
25% more value when redeeming points through Chase Travel℠
Transfer points to travel partner programs
My Take
Ideal for earning points on dining, streaming, online groceries, and travel while also having access to amazing transfer partners and good travel protections, all for a low annual fee
3. Chase Freedom Unlimited®
Intro Offer
Annual Fee
Main Features
Earn 5% back on travel purchased through Chase Travel℠
Earn 3% back on dining at restaurants, including takeout and eligible delivery services
Earn 3% back on drugstore purchases
Earn 1.5% back on all other purchases
Rewards are earned as valuable Ultimate Rewards points
My Take
Ideal for miscellaneous spending and for using alongside other credit cards from Chase like the Chase Sapphire Preferred® Card
