Are you looking for a credit card that offers competitive perks, rewards, and benefits but aren’t sure where to start? There are so many options to consider when choosing the perfect credit card but a few brands are known to stand out from the rest. Maximize your reward potential with a new credit card in 2024.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® remains one of the best credit cards for travelers in 2024.
- Sign-Up Bonus: 60,000 points after spending $4,000 in the first three months.
- Rewards: 2x points on dining and travel, 1x on all other purchases.
- Annual Fee: $95.
- Perks: Points are worth 25% more when redeemed through Chase Ultimate Rewards. You can also transfer points to popular travel partners like United Airlines and Marriott Bonvoy.
This card is ideal for those who spend on travel and dining and want to maximize their rewards without a high annual fee.
2. American Express Blue Cash Preferred® Card
For consumers who prioritize cash back on everyday purchases, the American Express Blue Cash Preferred® is a top contender.
- Sign-Up Bonus: $250 statement credit after spending $3,000 in the first six months.
- Rewards: 6% cash back on U.S. supermarkets (up to $6,000 per year), 6% on select streaming services, 3% on transit and U.S. gas stations, and 1% on all other purchases.
- Annual Fee: $0 intro fee for the first year, then $95.
- Perks: Valuable cash-back rewards on essential categories make this card ideal for families and everyday spenders.
With its unmatched grocery and streaming rewards, this card is perfect for people who want to save on their daily purchases.
3. Capital One Venture Rewards Credit Card
For frequent travelers who want flexibility, the Capital One Venture Rewards Credit Card is a solid option.
- Sign-Up Bonus: 75,000 miles after spending $4,000 in the first three months.
- Rewards: 2x miles on every purchase, regardless of the category.
- Annual Fee: $95.
- Perks: No foreign transaction fees, and miles can be used on any airline or hotel with no blackout dates.
This card provides simple, straightforward rewards for travelers who don’t want to deal with complicated points systems or restrictions.
4. Discover it® Cash Back
One of the best cards for rotating cash-back categories, the Discover it® Cash Back has multiple benefits.
- Sign-Up Bonus: Cashback Match – Discover matches all the cash back earned in the first year.
- Rewards: 5% cash back on rotating quarterly categories (up to $1,500 per quarter) and 1% on all other purchases.
- Annual Fee: $0.
- Perks: Discover will match all the cash back you earn in your first year, effectively doubling your rewards.
For those who are willing to keep track of rotating categories, this card offers incredible value, especially in the first year.
5. Citi® Double Cash Card
For consumers looking for a straightforward cash-back card with no need to track spending categories, the Citi® Double Cash Card is an excellent choice.
- Sign-Up Bonus: None.
- Rewards: 2% cash back – 1% when you make a purchase, and an additional 1% when you pay it off.
- Annual Fee: $0.
- Perks: Simple cash-back structure and no annual fee.
This card is great for those who want consistent cash-back rewards without worrying about complicated terms.
6. Wells Fargo Active Cash® Card
For a flat-rate cash-back card with an attractive sign-up bonus, the Wells Fargo Active Cash® stands out.
- Sign-Up Bonus: $200 cash rewards after spending $500 in the first three months.
- Rewards: 2% cash back on all purchases.
- Annual Fee: $0.
- Perks: No categories to track and 0% APR on purchases and qualifying balance transfers for 15 months (then 19.24%-29.24% variable).
This card is ideal for consumers looking for easy, unlimited cash back on all purchases.
The top consumer credit cards of 2024 offer a variety of rewards and perks tailored to different spending habits. Whether you’re a frequent traveler, a daily shopper, or simply someone looking to maximize cash-back rewards, there’s a card out there for you. Take your time to review the benefits of each card and choose one that aligns with your financial goals and lifestyle.