Best Credit Cards of 2024

This is the only card we know of that offers 6% back (up to $6,000 spent annually) in a category that just about every family spends in with some regularity: U.S. supermarkets.

This is among the highest reward rates out there for U.S. supermarket purchases, meaning it could be a very lucrative card for someone who regularly spends there. Low intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. then RegAPR. Balance transfer fee applies: BalanceTransferFees We love this card for families since it rewards purchases with U.S. supermarkets (6% cash back up to $6,000 spent in a year, then 1%), on select U.S. streaming subscriptions (6% cash back), at U.S. gas stations (3% cash back), and on transit (3% cash back), all categories that many families find themselves spending in with some frequency. American Express is a CardRatings advertiser.

Lucrative signup bonus, excellent ongoing rewards and flexibility with redemptions make for an excellent card. Chase Ultimate Rewards points can be redeemed through Chase Travel℠. This is a perennial "starter" card recommendation for people who want to start racking up travel rewards.

Save with a $50 Annual Chase Travel Hotel Credit. That bonus of 60,000 points after spending $4,000 in the first three months is worth $750 when you redeem your points for travel through Chase Travel. It's a solid bonus, especially for a card with a modest annual fee. This card is an excellent complement to other Chase Travel earning cards, such as CardName or even business cards like CardName. Combine all your points into a single pot and, depending on which card you group them under, they may be worth even more. Learn more in our Guide to Chase Ultimate Rewards points

The categories in which you can earn the highest amounts of cash back run the gamut from fairly typical to pretty unusual and the spending cap is high enough to make this a reasonable card choice for many small businesses. Plus, mobile phone protection is a nice added perk that could save just about any business some money.

This is the highest signup bonus of any Ultimate Rewards-earning card – 100,000 bonus points after spending $8,000 on purchases within the first three months. That bonus is worth $1,250 when redeemed for travel through the Ultimate Rewards portal. The spending cap in the bonus categories is high at $150,000, so it can meet the needs of a just-getting-started business as well as an already-on-the-move business. Pay your cellular bill on your card and you'll receive cellular phone insurance for the primary line as well as other phones on the account.

Cardholders have the power here. You choose where you can earn the most cash back from among a list of popular categories. That makes this an incredibly flexible (and possibly lucrative!) card for a wide range of card users.

The freedom to choose the category in which to earn the highest rewards makes this customizable card an excellent option for many people's spending habits. If you're a Bank of America Preferred Rewards client, you can earn even more: 25%-75% more cash back on every purchase. Take advantage of IntroAPRRate, and balance transfers made in the first 60 days (then, RegAPR). A 3% intro balance transfer fee will apply for the first 60 days your account is open; after that the fee for future balance transfers is 4%.

This is a solid card if you want to transfer existing debt thanks to a lengthy intro period – nearly two years – during which you can pay down the debt without paying interest. Citi is a CardRatings advertiser

This card has one of the longest intro 0% APR offers that we know of. Enjoy 0% intro APR on balance transfers for 21 months (when made in the first four months) and on purchases for 12 months, then RegAPR. This card keeps membership fun with Citi Entertainment®, which gives cardholders special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Keep track of your credit with free access to your FICO® score online.

If you're paying this much of an annual fee, it better be worth it. And, trust us, this card is worth it in perks alone – and that's before you even talk about the rewards.

As a luxury card, this is another good travel option packed with useful benefits. Some of our favorites include: a $200 airline fee credit (with one pre-selected airline); Uber VIP status and up to $15 each month, plus a bonus in December, in Uber Cash for your rides and Uber Eats orders in the U.S.; a credit of $100 or $85 for your Global Entry or TSA PreCheck, respectively, application fee; access to the Global Lounge Collection, including Centurion Lounge locations around the world; no foreign transaction fees; and car rental loss and damage insurance. This card also offers a hefty welcome bonus to get card membership started off on the right foot. New cardholders can earn 80,000 bonus Membership Rewards points once making $8,000 in purchase in the first six months of card membership. With 5X Membership Rewards points earned on flights booked directly with airlines or with American Express travel, this card makes it easy to rack up rewards quickly. Terms apply. Enrollment required for select benefits. American Express is a CardRatings advertiser.