HomeFinancingBest FinancingBest 10 Rewards Credit Cards 2024

Best 10 Rewards Credit Cards 2024

In 2024, rewards credit cards offer enticing benefits for travelers and everyday spenders alike. Leading the pack are the Capital One VentureOne Rewards Credit Card, Chase Sapphire Preferred® Card, Chase Freedom® Unlimited Credit Card, and Citi Double Cash® Card, each offering unique rewards and flexible redemption options.

The Capital One VentureOne Rewards Credit Card stands out for its unlimited 1.25 miles per dollar on every purchase and no annual fee, making it ideal for those seeking simplicity and value. The Chase Sapphire Preferred® Card offers rich travel rewards, including 2x points on travel and dining, along with a generous sign-up bonus, making it a top choice for frequent travelers. The Chase Freedom® Unlimited Credit Card provides unlimited 1.5% cash back on all purchases and is perfect for those who want straightforward rewards without rotating categories. Lastly, the Citi Double Cash® Card offers 2% cash back—1% when you buy and 1% when you pay—making it one of the best options for consistent, high-value cash back. These cards cater to various needs, from travel rewards to straightforward cash-back earnings.

Capital One VentureOne Rewards credit card
Capital One VentureOne Rewards credit card - Simple rewards for your travel adventures.
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Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card - Earn 2X points on travel and dining.
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Chase Freedom® Unlimited Credit Card
Chase Freedom® Unlimited Credit Card - Unlimited 1.5% cash back on every purchase.
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Citi Double Cash® Card
Citi Double Cash® Card - Earn 2% cash back on every purchase.
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The Platinum Card® from American Express
The Platinum Card® from American Express - Earn 5X points on flights and hotels booked through Amex.
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Discover it Cash Back
Discover it Cash Back - Earn 5% cash back in rotating categories.
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American Express Gold Card
American Express Gold Card - Get more rewards for eating out and travel.
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Capital One Venture X Rewards credit card
Capital One Venture X Rewards credit card - Earn unlimited 2X miles on every purchase.
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Chase Sapphire Reserve® Card
Chase Sapphire Reserve® Card - Earn 3X points on travel and dining.
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Citi Custom Cash® Card
Citi Custom Cash® Card - Earn 5% cash back on your top eligible spending category.
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Best 10 Rewards Credit Cards 2024

Capital One VentureOne Rewards credit card

The Capital One VentureOne Rewards Credit Card offers a simple yet rewarding experience for those who don’t want to deal with complicated category systems. With 1.25 miles on every purchase, the card is perfect for those who want to earn rewards without keeping track of spending categories. There is also a solid sign-up bonus to help new users get started. For travelers, the ability to redeem miles for travel purchases through Capital One Travel or transfer miles to various airlines provides flexibility. The card has no annual fee and charges no foreign transaction fees, making it a great choice for international travel. While it does not offer bonus rewards for specific categories, its straightforward structure and simplicity make it a great option for those new to travel rewards. Overall, it’s a great entry-level card that balances value and ease of use for all types of travelers.

Pros

No annual fee
1.25 miles per dollar on all purchases
Low APR
Access to Capital One Travel
Excellent for beginners

Cons

No bonus rewards for certain categories
Less value per mile compared to premium cards
No travel insurance
Limited lounge access
Requires good credit

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is an excellent travel rewards card that offers 2X points on travel and dining. The points can be transferred to travel partners, or redeemed for travel through the Chase Ultimate Rewards® program.

Pros

2X points on travel/dining
Big sign-up bonus
No foreign transaction fees
Transfer points to travel partners
Great travel protection

Cons

High annual fee
Points can be complex to redeem
Must redeem through Chase portal
Requires good credit
High APR

Chase Freedom® Unlimited Credit Card

The Chase Freedom® Unlimited Credit Card offers a straightforward 1.5% cash back on every purchase, without any rotating categories to worry about. It also includes a strong welcome bonus and 0% APR for the first 15 months.

Pros

1.5% cash back on every purchase
No annual fee
Strong welcome bonus
0% APR for 15 months
Simple rewards program

Cons

High APR after intro period
No bonus categories
Requires good credit
Foreign transaction fee
Limited premium benefits

Citi Double Cash® Card

The Citi Double Cash® Card offers a unique rewards structure with 2% cash back on every purchase – 1% when you buy and 1% when you pay. This makes it one of the best cash-back cards with a simple, no-frills approach to earning rewards. The card also offers a lengthy introductory APR period.

Pros

2% cash back on all purchases
No categories to track
No annual fee
Introductory APR
Easy rewards redemption

Cons

No sign-up bonus
Foreign transaction fee
High APR after intro period
Rewards are cash back only
Not the best for travel rewards

The Platinum Card® from American Express

The Platinum Card® from American Express is designed for frequent travelers, offering 5X points on flights and hotels booked through American Express Travel. It also offers premium benefits like lounge access, concierge service, and more.

Pros

5X points on flights and hotels
Access to airport lounges
Concierge services
Travel protections
Huge welcome bonus

Cons

High annual fee
Requires excellent credit
No foreign transaction fee
Limited rewards outside travel
Points can be complex to redeem

Discover it Cash Back

The Discover it Cash Back card offers 5% cash back on rotating categories each quarter (up to a spending limit) and 1% on other purchases. The card also provides a Cashback Match, where Discover matches all the cash back earned in the first year.

Pros

5% cash back in rotating categories
1% on all other purchases
Cashback Match for the first year
No annual fee
No foreign transaction fee

Cons

Rotating categories can be confusing
Spending cap on 5%
Requires activation
Lower rate outside categories
High APR

American Express Gold Card

The American Express Gold Card is designed for those who love dining out and travel. It offers 4X points on dining at restaurants, 3X points on flights, and 1X point on other purchases. The card also provides a generous sign-up bonus and access to exclusive dining experiences, making it perfect for foodies. With the ability to transfer points to over 20 airline and hotel partners, cardholders can make the most of their rewards. The card also provides valuable perks, such as no foreign transaction fees and up to $120 in annual dining credits. While the annual fee is higher than some other cards, the ability to earn 4X points on dining makes this card ideal for those who eat out often. Whether you’re traveling or enjoying a meal, the Gold Card helps you maximize your rewards.

Pros

4X points on dining
3X points on flights
No foreign transaction fees
Excellent rewards on food
Transfer points to travel partners

Cons

High annual fee
Requires good credit
Lower rewards on non-dining purchases
Limited bonus categories outside dining
High APR

Capital One Venture X Rewards credit card

The Capital One Venture X Rewards Credit Card is designed for those who want a flexible and straightforward rewards program. This card offers 2X miles on every purchase, with a strong emphasis on travel-related rewards. It includes 10X miles on hotel stays and car rentals booked through Capital One Travel. New cardholders can earn a generous sign-up bonus and enjoy various luxury benefits such as access to over 1,300 airport lounges, TSA PreCheck/Global Entry fee reimbursement, and extensive travel insurance coverage. The card also provides flexible redemption options, including travel bookings, gift cards, and cash back. With no foreign transaction fees, this card is ideal for international travelers. The annual fee is on the higher side, but the premium benefits and rewards far outweigh this cost for frequent travelers. For those seeking a comprehensive travel card, the Venture X is an excellent option.

Pros

2X miles on all purchases
10X miles on travel bookings
Luxury airport lounge access
Comprehensive travel protection
TSA PreCheck and Global Entry fee reimbursement

Cons

High annual fee
Requires excellent credit
Limited bonus categories outside of travel
Foreign transaction fee after the first year
High APR

Chase Sapphire Reserve® Card

The Chase Sapphire Reserve® Card offers 3X points on travel and dining, along with exclusive travel benefits such as lounge access and the ability to transfer points to travel partners. It also offers a points redemption boost.

Pros

3X points on travel and dining
Huge travel protections
50% points redemption boost
Transfer points to partners
Access to lounges

Cons

Very high annual fee
Foreign transaction fee
High credit requirements
Must redeem through Chase portal for full value
Complex rewards

10.

Citi Custom Cash® Card

The Citi Custom Cash® Card offers 5% cash back on your top eligible spending category, like groceries, restaurants, or gas, up to a certain limit. Once that’s met, you earn 1% on other purchases. It’s a great card for those with fluctuating spending habits.

Pros

5% cash back on top category
No annual fee
Flexible rewards categories
High cash-back potential
0% APR intro period

Cons

Rotating categories
5% limited to certain spending caps
No sign-up bonus
Foreign transaction fee
High APR after intro period

Best 10 Rewards Credit Cards 2024

Capital One VentureOne Rewards credit card - Simple rewards for your travel adventures.

Chase Sapphire Preferred® Card - Earn 2X points on travel and dining.

Chase Freedom® Unlimited Credit Card - Unlimited 1.5% cash back on every purchase.

Citi Double Cash® Card - Earn 2% cash back on every purchase.

The Platinum Card® from American Express - Earn 5X points on flights and hotels booked through Amex.

Discover it Cash Back - Earn 5% cash back in rotating categories.

American Express Gold Card - Get more rewards for eating out and travel.

Capital One Venture X Rewards credit card - Earn unlimited 2X miles on every purchase.

Chase Sapphire Reserve® Card - Earn 3X points on travel and dining.

Citi Custom Cash® Card - Earn 5% cash back on your top eligible spending category.

Best 10 Rewards Credit Cards 2024

Capital One VentureOne Rewards credit card

Chase Sapphire Preferred® Card

Chase Freedom® Unlimited Credit Card

Citi Double Cash® Card

The Platinum Card® from American Express

Discover it Cash Back

American Express Gold Card

Capital One Venture X Rewards credit card

Chase Sapphire Reserve® Card

Citi Custom Cash® Card

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