Looking for the best rewards credit cards in 2024? You’re in the right place.
Whether you’re a frequent traveler, a cashback enthusiast, or just want to maximize everyday spending, there’s a perfect card for you.
Rewards credit cards can be game-changers if you know how to pick and use them wisely.
We’ve done the heavy lifting to bring you the top options across different categories.
From travel perks to cashback bonuses, these cards cover a wide range of spending habits and lifestyles.
Let’s dive into the 18+ best rewards credit cards you need to know about this year.
Best Travel Rewards Credit Cards
Travel rewards credit cards offer excellent perks for jet-setters and globetrotters. These cards usually provide points or miles redeemable for flights, hotels, and sometimes even experiences.
Many come with travel-specific benefits like airport lounge access, no foreign transaction fees, and travel insurance. If you love exploring new places, these cards can make your trips more affordable and comfortable.
Here are some of the top travel rewards credit cards to help you maximize your adventures in 2024.
1. Chase Sapphire Preferred® Card – A favorite among travelers, this card offers 2x points on travel and dining, plus a solid sign-up bonus that can get you a free flight or hotel stay. The points are flexible and can be transferred to various airline and hotel partners, giving you great redemption options.
2. American Express® Gold Card – Perfect for foodies and travelers alike, it offers 4x points at restaurants and U.S. supermarkets, and 3x points on flights booked directly with airlines. Plus, you get travel protections and airline fee credits.
3. Capital One Venture Rewards Credit Card – Earn 2x miles on every purchase with a simple, straightforward rewards structure. Miles can be redeemed for travel expenses or transferred to airline partners, making it a versatile choice.
4. Delta SkyMiles® Gold American Express Card – Ideal if you frequently fly Delta, this card gives you priority boarding, free checked bags, and miles on purchases that help you book award flights faster.
5. United℠ Explorer Card – A great option for United Airlines loyalists, it offers 2x miles on dining and travel, plus perks like free checked bags and two United Club passes per year to ease your airport experience.
Now that we’ve covered travel cards, let’s explore options tailored for cashback lovers who want rewards on everyday spending.
Top Cashback Credit Cards
Cashback cards are straightforward and fantastic for those who prefer cash rewards over points or miles. They return a percentage of your spending as cash, which can be redeemed as statement credits, deposits, or checks.
Some cards offer flat-rate cashback on all purchases, while others provide higher rewards in specific categories like groceries, gas, or dining. Cashback cards are perfect for everyday use and hassle-free rewards.
Check out these standout cashback credit cards offering solid returns in 2024.
6. Citi® Double Cash Card – This card gives you 2% cashback on all purchases: 1% when you buy and 1% when you pay it off. It’s one of the simplest and most rewarding flat-rate cashback cards out there without an annual fee.
7. Blue Cash Preferred® Card from American Express – Earn 6% cashback at U.S. supermarkets (up to $6,000 per year), 3% at U.S. gas stations and transit, and 1% on everything else. It’s perfect for families who spend heavily on groceries and commuting.
8. Chase Freedom Flex℠ – This card offers 5% cashback on rotating quarterly categories, 5% on travel booked through Chase, 3% on dining and drugstores, and 1% on all other purchases. It’s a great way to maximize rewards on varied spending.
9. Discover it® Cash Back – Known for its rotating 5% cashback categories every quarter, plus Discover matches all the cashback you’ve earned at the end of your first year automatically. A solid choice for new cardholders.
10. Wells Fargo Active Cash® Card – Offers a straightforward 2% cashback on all purchases with no annual fee. It’s a no-fuss card that rewards all spending equally, making it a great everyday option.
Next, let’s look at credit cards that offer premium luxury perks and elevate your lifestyle beyond just earning rewards.
Luxury Rewards Credit Cards
Luxury rewards cards are designed for those who want exclusive benefits alongside generous rewards. These cards often come with higher annual fees but offer perks like airport lounge access, concierge services, elite hotel statuses, and travel credits.
If you’re willing to invest a bit more, these cards can transform your travel, dining, and shopping experiences with VIP treatment and added convenience.
Here are some of the best luxury rewards credit cards to consider in 2024.
11. The Platinum Card® from American Express – Known for its extensive lounge access, including Centurion Lounges, this card offers 5x points on flights and prepaid hotels, up to $200 in annual airline fees credits, and elite status with hotel partners. The high annual fee comes with many premium benefits.
12. Chase Sapphire Reserve® – Offers 3x points on travel and dining, a $300 annual travel credit, Priority Pass lounge access, and excellent travel protections. It’s a top pick for frequent travelers who want luxury perks without going Amex-only.
13. Citi Prestige® Card – Features 5x points on air travel and dining, a 4th-night free benefit at hotels, and Priority Pass lounge access. This card suits travelers who want strong hotel perks and a solid rewards rate.
14. Capital One Venture X Rewards Credit Card – A newer luxury card with 2x miles on all purchases, 10x miles on Capital One Travel bookings, airport lounge access, and up to $300 annual travel credit. It’s a compelling option for those seeking luxury without the highest fees.
15. Marriott Bonvoy Brilliant® American Express Card – Perfect for Marriott loyalists, this card offers 6x points on Marriott stays, a $300 Marriott credit, and Priority Pass access. It’s a fantastic choice if you frequently stay at Marriott properties.
Moving from luxury to business, let’s explore the best rewards credit cards designed for entrepreneurs and small business owners.
Best Business Rewards Credit Cards
Business credit cards help entrepreneurs separate personal and business expenses while earning valuable rewards tailored to business spending. Many cards offer higher reward rates on office supplies, advertising, travel, and dining.
These cards often come with employee cards at no extra cost and useful tools for managing expenses and cash flow. If you run a business or side hustle, these rewards cards can support growth and save money.
Here are some of the best business rewards credit cards for 2024.
16. Chase Ink Business Preferred® Credit Card – Earn 3x points on the first $150,000 spent annually in combined travel, shipping, internet, cable, phone services, and advertising purchases. Points transfer to airline and hotel partners, providing great flexibility.
17. American Express Blue Business Cash™ Card – Get 2% cashback on all eligible purchases up to $50,000 per year, then 1%. This card offers simple cashback rewards with no annual fee, ideal for small businesses.
18. Capital One Spark Cash Plus – Offers unlimited 2% cashback on all purchases with no preset spending limit, making it a strong choice for businesses with fluctuating expenses. The card has an annual fee but no foreign transaction fees.
19. U.S. Bank Business Leverage® Visa Signature® Card – Tailors rewards to your top spending categories by giving 2x points in the two categories where you spend the most each month, and 1x point on everything else, maximizing returns on your business expenses.
20. Bank of America® Business Advantage Cash Rewards Mastercard® – Offers 3% cashback in your choice of one category (like gas, office supplies, or travel), 2% on dining, and 1% on all other purchases, with no annual fee and a solid rewards structure.
Finally, let’s explore credit cards that reward dining, entertainment, and lifestyle purchases for those who want to enjoy life’s pleasures while earning points.
Best Lifestyle & Entertainment Rewards Credit Cards
These cards focus on rewarding spending in dining, entertainment, streaming services, and more. Perfect if you love dining out, catching concerts, or subscribing to your favorite platforms.
Many offer bonus points for restaurants, bars, and entertainment venues, plus perks like ticket presales or exclusive event access. If you want to get rewarded for your lifestyle choices, these cards are worth considering.
Here are the best picks for lifestyle and entertainment rewards in 2024.
21. American Express® Green Card – Earn 3x points on travel including transit and at restaurants worldwide. It’s a great card for urban dwellers who want rewards on dining and everyday travel.
22. Capital One SavorOne Cash Rewards Credit Card – Offers 3% cashback on dining, entertainment, and popular streaming services, plus 1% on all other purchases. It’s great for those who want to boost rewards on fun and leisure spending without an annual fee.
23. Chase Sapphire Preferred® Card – Also a standout for dining and entertainment with 2x points, plus the ability to redeem points for 25% more value on travel and experiences through Chase Ultimate Rewards.
24. Capital One Savor Cash Rewards Credit Card – Rewards 4% cashback on dining and entertainment, 2% at grocery stores, and 1% on all other purchases, making it a top choice for lifestyle spenders who want premium returns.
25. Discover it® Student Chrome – For younger spenders, this card offers 2% cashback at gas stations and restaurants automatically, plus the first-year cashback match. It’s a smart starter card for students looking to earn rewards on everyday purchases.
Now that you’ve seen the top rewards credit cards across different categories, you can find one that truly fits your lifestyle and spending habits.
To wrap up, the best rewards credit card for you depends on your personal or business spending patterns and what perks you value most.
Whether it’s travel, cashback, luxury, business, or lifestyle rewards, there’s a card to help you get more from your purchases in 2024.
Take your time comparing these options and apply for the one that feels right—you’ll thank yourself every time you earn points or cashback!
