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Whether you’re looking to earn travel rewards or get cash back on your everyday purchases, the🥀re are plenty of credit cards to choose from.
The best credit ca🔯rds come with generous rewards, solid sign-up bonuses, and flexible redemption options.
In most cases, your spending habits ﷺand financial sit𒅌uation will dictate what type of card is best for you. Here are some of our top options.
Best credit cards for 2024
- Best for travel rewards:
- Best for everyday purchases:
- Best for online shoppers: Prime Visa
- Best for jetsetters:
- Best for cash back: Citi Double Cash® Card
- Best for business expenses:
Best for travel rewards:
The is a popular choice for💮 those who want to earn travel rewards without paying🃏 a high annual fee.
Rewards:
- 5X points on travel booked through Chase Ultimate Rewards and 5X on Lyft rides (through March 2025)
- 3X points on dining (including eligible delivery services), select streaming services, and online grocery purchases (excluding wholesale clubs)
- 2X points on other travel and 1X on other purchases
Additionally, the card offers a solid sign-uܫp bonus, allowing new users♉ to earn substantial points after spending a certain amount within the first few months.
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Best for everyday purchases:
The is a great choice to maximize cash back rewards on everyday spending. With this card, you can earn generous🌌 rewards in various categories, from gas to groceries.
Rewards
- Earn an impressive 6% cash back at U.S. supermarkets, up to $6,000 annually (then 1%).
- 6% back on select U.S. streaming subscriptions
- 3% back on transit expenses and U.S. gas stations
- 1% back on all other purchases
Cash bꦕack is received in the form of Reward D🌱ollars that can be redeemed as a statement credit or on Amazon.com at checkout.
The ove�😼�r $9,000 each year on food expenditures. If you spend $6,000 annually at the grocery store (or $500 per month), you could earn $360 in cash back.
This card provides an ex🎉cellent opportunity to earn cash back, whether you’re stocking up on groceries or streaming your favorite shows. This card has an introductory annual fee of $0 in the first year and costs $95 annually afterward. See .
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Best for online shoppers: Prime Visa
If you’re a Prime loyalist, consider the Prime Visa card.
Rewards:
- Earn 5% back on and Whole Foods Market
- 5% on Chase Travel purchases,
- 2% back at restaurants, gas stations, and local transit and commuting
- 1% back on all other purchases
There’s no annual fee, but you’ll need an Amazon Prime membership ($139 annually) to qualify. This card als🗹o offers an Amazon Gift Card as a welcome bonus when approved.
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Best for jetsetters:
Th🎶e is a top-not꧒ch choice for frequent travelers looking to maximize their rewards.
Rewards
- Earn 10X miles on hotels and rental cars booked through Capital One Travel
- 5X miles on flights booked through Capital One Travel
- Unlimited 2X miles on all other purchases
You’ll also get bonus miles on your account anniversary and an annual travel credit that can easily of꧒fset the $395 annual fee.
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Best for cash back: Citi Double Cash® Card
If you want a straightforward way to earn rewards, the Citi Double Cash® C🐓ard is a good option. With this card, you can earn cash back not once but twice on every purchase you make.
Rewards
- You’ll earn 1% cash back when you make a purchase and an additional 1% cash back when you pay it off.
- 5% back on hotels, car rentals, and attractions booked via Citi Travel (through December 2024)
This means you have the opportunity to earn up to 2% cꦰash back on all your spending.
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Best for business expenses:
If you’re a business owner looking to get something back ꦐon your spending, the is a great way to go. With this card, you can earn a generous sign-up bonus, enjoy a variety of ongoing rewards, and benefit from travel and purchase protection.
Rewards
- Earn 3X points on the first $150,000 spent on travel and select business categories (then 1X)
- 1X points on all other purchases
Select business categories෴ include shipping purchases, internet, cable, phone services, and advertising purchases made with social media and search engine🃏s.
This card has a $95 annual fee.
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What to know about rewards credit cards
Rewards cards p💞rovide a useful way to get additional value from your spending. But how do you choose the right one? Here are some answers to frequently asked questions.
What is the easiest rewards card to get approved for?
Secured cards backed by a refundable security deposit are the easiest rewards cards to get approved for since your deposit covers the issuer’s risk.
This allows those rebuilding or with limited credit access to perks like the Discover it Secured Card’s cash back program. Students can also readily qualify for rewards cards catering specifically to their needs.
Do all rewards cards have an annual fee?
Pr🍎emium travel cards offer benefits🅺 like airport lounge access and luxury hotel perks in exchange for a much higher annual fee, anywhere from $95-$550+
But you can find rewards cards with no annual fee. Options like the 💯 or offer cash🐻 back while waiving annual fees. Compare any fees against welcome bonuses and rewards rates.
What is the best card for dining and groceries?
The shines for grocery and restaurant rewards, offering 4X points at U.S. supermarkets (capped at $25,000 per year, then 1X), and 4X points ဣat restaurants (on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year). Meꦏanwhile, credit cards like the
provide elevated casꦏhback specifically at entertainment and grocery merchants. Take a look at your monthly expenses to find the best card for you.
Can rewards cards help build your credit?
Responsibly using rewards꧑ credit cards and consistently paying statement balances in full and on time can help you keep and maintain a solid credit score.
Both actions help improve your credit utilizatio🦩n ratio and payment history – two key factors in credit scoring models. Building credit opens access to cards with premium rewards and perks over time.
The bottom line
Getting a new credit 🎶card can maximize the rewards you earn on your spending.
Take the time to research new cards based on rewards, bonus offers, fees, and interest rates. But before applying, ensure꧃ the card’s be♉nefits align with your spending habits. You can also determine your eligibility by. The more you know about your card before applying, the easier time you’ll have once you have it.
*Elꦬigibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company
Opinions expressed are author’s alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.