Best Travel Rewards Credit Cards of 2024
Best Entry-Level Travel Card
Chase Sapphire Preferred® Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5x Reward Rate
Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x onRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Chase Sapphire Preferred® Card is a simple travel solution with valuable earning and redeeming rates and a reasonable annual fee.
Why we like it
You have access to all types of redemptions with this card. Its 1:1 rate when transferring Ultimate Rewards to travel partners is fantastic. But you also have the ability to pay with points through Chase Travel℠for 25% more value if transfers aren’t an option.
What we don’t like
Though the card comes with up to $50 in statement credits toward hotel stays, you can only book through Chase Travel to use it.
Who it’s best for
Frequent travelers wary of an expensive annual fee. If you’re new to paying annual fees, find out what makes the Chase Sapphire Preferred worth the cost.
Pros & Cons
- Earn high rewards on several areas of spending
- Transfer points to travel partners at 1:1 rate
- Many travel and shopping protections
- Annual fee
- No intro APR offer
- Best travel earning rates are only for bookings through Chase
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flexible Rewards Card
Capital One Venture X Rewards Credit Card
On Capital One's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
The Capital One Venture X Rewards Credit Card comes with the complete package of travel transfer partners, premium benefits and an annual booking credit at a more approachable cost than competitors.
Why we like it
The annual fee is justifiable, thanks to a combination of an annual $300 credit for Capital One Travel bookings and 10,000 bonus miles starting on your first anniversary that offsets it.
What we don’t like
Redemption rates for rewards other than travel are subpar. You’ll get less than 1 cent per point.
Who it’s best for
Travelers looking for top-tier benefits with flat-rate rewards. The Capital One Venture X may be worth it to those spending at least $400 per year on travel expenses.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Travel Insurance
Chase Sapphire Reserve®
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 10x Reward Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More
Welcome Bonus
60,000 bonus points
Annual Fee
$550
Regular APR
22.49%-29.49% Variable
Credit Score
Excellent(750 - 850)
Our Expert Take
The Chase Sapphire Reserve® packages best-in-class travel protections, airport lounge access, travel credits and strong rewards in a single card.
Why we like it
When offering benefits, the Sapphire Reserve keeps things customer-friendly, without requiring cardholders to sift through fine print or jump through hoops.
What we don’t like
The annual fee on this card is significant.
Who it’s best for
Travelers who want flexible points and strong travel protections and who can utilize enough available benefits to justify the Sapphire Reserve’s high annual fee.
Pros & Cons
- $300 annual travel credit is incredibly flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Points Transfer to valuable airline and hotel partners
- High annual fee
- High variable APR on purchases
- Excellent credit recommended
Card Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Luxury Travel and Lifestyle Benefits
The Platinum Card® from American Express
On American Express's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
5X Reward Rate
Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The list of credits and benefits on The Platinum Card® from American Express feels never-ending, offering extra value to live it up while traveling or shopping.
Why we like it
There are so many perks packaged into this card that cover everything from travel and lifestyle to online grocery shopping.
What we don’t like
Many credits and other benefits are doled out periodically, meaning some will be hard to use, and others require close attention and management.
Who it’s best for
Customers who are willing to work within fine print to maximize a massive selection of benefits and credits. Since there’s a premium yearly fee, you’ll need to determine if the Amex Platinum benefits make sense for you.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- Very high annual fee
- Maximizing the statement credits takes some work and could be unworkable for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Flat-Rate Rewards Credit Card
Capital One Venture Rewards Credit Card
On Capital One's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 5X Reward Rate
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One EntertainmentRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$95
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Capital One Venture Rewards Credit Card is an approachable card focused on travel rewards with a reasonable annual fee but still comes with all the transfer options of more expensive cards.
Why we like it
The card comes with an impressive welcome offer and competitive ongoing rewards.
What we don’t like
For a travel card, it doesn’t offer many travel benefits or protections.
Who it’s best for
Customers who like Capital One Rewards and solid redemption opportunities without paying a premium annual fee.
Pros & Cons
- Strong rewards rate
- Global Entry or TSA PreCheck® statement credit (up to $100)
- No foreign transaction fees
- Miles are easy to redeem either via partner transfers or by applying against travel purchases
- $95 annual fee
- No introductory APR on purchases or transfers
Card Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Credit Cards of 2024
Best 0% APR Credit Card With Everyday Rewards
Citi Rewards+® Card
On Citi's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 5X Reward Rate
Earn 2X ThankYou® Points per dollar at supermarkets and gas stations for the first $6,000 per year and then 1XRead More
Welcome Bonus
20,000 points
Annual Fee
$0
Regular APR
18.74% - 28.74% (Variable)
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
We chose the Citi Rewards+® Card because the introductory APR extends to new purchases and balance transfers, and there’s no annual fee.
Why we like it
It’s notable to see a cash-back card provide a welcome bonus and an introductory APR to new cardholders. And it comes with other perks, too, including a rebate on redeemed points to stretch your rewards.
What we don’t like
The ongoing earning rates on this card are lackluster, with most purchases only earning 1 point per dollar spent.
Who it’s best for
This card makes sense for someone who already has a credit card that earns Citi ThankYou Points and can combine rewards for additional redemption options.
Pros & Cons
- All purchases rounded up to the nearest 10 rewards points.
- 10% points bonus added to the first 100,000 points redeemed annually.
- No rotating categories to manage.
- Foreign transaction fee.
- Potentially high APR depending on your creditworthiness.
- High balance transfer fee
- Annual $6,000 spending cap on 2x points category.
Card Details
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou®Points per $1 spent onhotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Balance Transfer Credit Cards of 2024
Best Balance Transfer for Long Payment Window
Wells Fargo Reflect® Card
On Wells Fargo's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Wells Fargo's Website
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Compared to other cards, the Wells Fargo Reflect® Card has an exceptionally long balance transfer period—both to initiate a transfer and to pay it off without interest.
Why we like it
In addition to an outstanding balance transfer offer, the card also has no annual fee.
What we don’t like
Like most balance transfers, this one has a high fee attached to it, so you’ll need to front that cost before taking advantage of the intro APR.
Who it’s best for
Because the introductory APR offer also extends to new purchases, it’s an easy option for anyone who wants a single payment to cover both balance transfers and ongoing charges.
Pros & Cons
- Generous introductory APR period for purchases and qualifying balance transfers
- $0 Annual Fee
- No rewards program or welcome bonus
- Balance transfer fee: 5%, min: $5
- 3% Foreign transaction fee
Card Details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Balance Transfer Credit Card from U.S. Bank
U.S. Bank Visa® Platinum Card *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
No Rewards
The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.74% - 29.74% (Variable)
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
With no annual fee and a generously long time to pay down balance transfers, the U.S. Bank Visa® Platinum Card* stands out among the best.
Why we like it
Qualifying cardholders will have nearly two years to pay off balance transfers before interest payments kick in.
What we don’t like
All balance transfers are subject to a hefty fee, and this one is no exception.
Who it’s best for
Anyone looking for an introductory APR offer will find this card attractive, but since there are no rewards, it’s best used as a short-term financial tool.
Pros & Cons
- No penalty APR
- Long intro APR period
- Cellphone protection coverage is a handy benefit
- Balance transfer fee applies
- No rewards program
- No welcome bonus
- Foreign transaction fee
Card Details
- Up to $600 cell phone protection (subject to $25 deductible) against damage or theft when you pay your monthly phone bill with your card. Terms, conditions, and exclusions apply
- Ability to choose a payment due date that fits your schedule
- No annual fee
- Introductory APR offer
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back Credit Cards of 2024
Best Cash-Back Credit Card
Chase Freedom Flex℠ *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Reward Rate
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More
Welcome Bonus
$200 bonus + 5% on Gas and Grocery (excluding Target and Walmart)
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Chase Freedom Flex℠* offers up to 5% in cash-back earnings without expiration dates or an annual fee.
Why we like it
It’s rare to find 5% rewards on a credit card without an annual fee. Plus, when paired with select Ultimate Rewards® cards, you’ll have access to additional redemption choices.
What we don’t like
Elevated earning rates require activation and cap out at $1,500 in spending each quarter.
Who it’s best for
Customers looking for up to 5% cash back and are willing to track the Freedom Flex bonus categories.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Card Details
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
- 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases
- No annual fee
Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening, plus earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Cards With Category Bonuses of 2024
Best Credit Card for Amazon
Prime Visa
On Amazon's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Amazon's Website
Up to 5% back
Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligibleRead More
Welcome Bonus
Get a $100 Amazon Gift Card
Annual Fee
$0
Regular APR
19.49% - 27.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Prime Visa earns competitive rates on Amazon purchases that can’t be matched by other cards.
Why we like it
Cardholders can choose between generous rewards or the opportunity to use equal pay to pay over time without extra fees on select Amazon purchases.
What we don’t like
The rewards rate on everyday purchases outside Amazon is not particularly lucrative.
Who it’s best for
Only Amazon Prime members can get this card. It’s also best for people who shop with Amazon frequently, as the other bonus categories are limited.
Pros & Cons
- 5% cash back on Amazon and Whole Foods purchases
- No spending required for the welcome bonus
- No foreign transaction fees
- Travel and shopping protections
- Requires an Amazon Prime membership
- No 0% introductory APR
- Low cash back for purchases outside of bonus categories
Card Details
- Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
- Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Card for Groceries
Blue Cash Preferred® Card from American Express
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 6% Reward Rate
Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More
Welcome Bonus
Earn $250
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.24%-29.99% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The earning rate for grocery spending on the Blue Cash Preferred® Card from American Express is extraordinary and a fast way to earn cash back.
Why we like it
Grocery earnings are the most obvious lure, but the other benefits such as an introductory APR, statement credits and a welcome offer make this cash-back card a winner.
What we don’t like
Amex caps your 6% grocery earnings after $6,000 in annual spending, which might not be enough for some customers.
Who it’s best for
This is a great cash-back card for households with major expenses in groceries, gas and transit.
Pros & Cons
- High cash-back rewards in several categories of spending
- No enrollment is required, cash back is automatic
- Comes with several travel benefits and protections
- Charges an annual fee
- 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)
Card Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Card for Gas
Citi Premier® Card
On Citi's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 10X Reward Rate
Earn 3 points per dollar at restaurants, supermarkets, gas stations, hotels and air travel. 1 point per dollar on allRead More
Welcome Bonus
60,000 points
Regular APR
21.24% - 29.24% (Variable)
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Citi Premier® Card offers above-average earning rates on several categories, including gasoline purchases, with flexible redemption options.
Why we like it
The bonus categories cover such a wide breadth of charges that this could easily be a one-card solution for some households.
What we don’t like
This card doesn’t provide any notable benefits, so even though you can redeem rewards for travel, it’s not a premium option for travelers.
Who it’s best for
If you spend a lot of money on flights, hotels, dining, groceries or gas, you can earn a ton of points and then redeem them for outsized rewards via the Citi ThankYou program.
Pros & Cons
- Flexible travel redemption options
- No foreign transaction fee
- Add authorized users for no additional cost
- Annual fee with no first-year waiver
- No intro APR offer
- No travel or purchase protections
Card Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Earn 60,000 bonus points after you spend $4,000 in purchases with your card within 3 months of account opening; redeemable for $600 in gift cards at thankyou.com
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Card for Dining
American Express® Gold Card
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 4X Reward Rate
Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$250
Regular APR
See Pay Over Time APR
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The American Express® Gold Card provides strong earning rates on restaurant purchases (including most takeout and delivery) and throws in statement credits toward select dining, too.
What we like about it
Few cards offer such high earning rates on both groceries and dining, especially with unlimited earning potential on restaurants worldwide.
What we don’t like
The card’s dining credits and Uber Cash are dispensed monthly and expire at the end of the month, which can make them challenging to use.
Who it’s best for
This card is best for people ordering takeout and delivery and will earn the monthly credits without going out of their way.
Pros & Cons
- High rewards earnings possibilities
- Points transfer option to many partners
- Add up to 5 authorized users for no additional annual fee
- Can choose from regular or rose gold versions
- No lounge benefits
- Limited options to carry a balance
- High APR for pay over time feature
- High pay over time penalty APR
Card Details
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Airline Credit Cards of 2024
Best Midtier Airline Card
Aeroplan® Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3x Reward Rate
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, andRead More
Welcome Bonus
Earn 60,000 points
Annual Fee
$95
Regular APR
21.74% - 28.74% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The Aeroplan® Credit Card includes a long list of benefits for travelers looking to earn or redeem Aeroplan points with a reasonable annual fee.
Why we like it
For an airline card, this one bestows a lot of extras without high fees: benefits while flying, status boosts and even discounts on select awards.
What we don’t like
Except for transactions with Air Canada, there are no extra rewards for travel purchases.
Who it’s best for
You’ll need to be somewhat savvy with miles and points to get the best value when redeeming Aeroplan points.
Pros & Cons
- Excellent rewards earning
- No foreign transaction fees
- Travel benefits including perks for Air Canada flyers
- $95 annual fee
- Lacks non-travel related benefits
Card Details
- Earn 60,000 bonus points
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Rewards for United Flyers
United Quest℠ Card
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More
Welcome Bonus
Earn 60,000 bonus miles
Annual Fee
$250
Regular APR
21.99% - 28.99% Variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
With the United Quest℠ Card, perks extend beyond the basics like free checked bags to include airline statement credits and MileagePlus award rebates for extra value.
Why we like it
Cardholders who make use of the purchase and award flight credits every year effectively even out the cost of the annual fee, making the other benefits a bonus.
What we don’t like
Most purchases earn at uninspiring rates, so miles add up slowly.
Who it’s best for
United flyers looking to earn (or requalify for) elite status are the ideal customers of this card since it allows you to earn Premier qualifying points.
Pros & Cons
- $125 annual United purchase credit
- Earn up to two 5,000-mile award flight credits annually
- Two free checked bags for cardholder and a companion traveling on the same reservation
- Earn up to 6,000 Premier Qualifying Points annually
- Primary auto collision damage waiver for eligible rentals
- Checked baggage benefit only applies to one companion
- Earnings for general purchases are only 1 mile per dollar
Card Details
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and priority boarding
- Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
- Member FDIC
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Award Flights and British Airways Flyers
British Airways Visa Signature® Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
Earn 75,000 Avios
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The British Airways Visa Signature® Card comes with unique benefits including statement credits toward eligible award bookings to London and discounts on paid flights from the U.S.
Why we like it
British Airways Avios can be an excellent way to book award flights, and this card offers an incredible welcome bonus to get you started.
What we don’t like
Unlike most airline cards, this one doesn’t provide any in-flight benefits like free checked bags or priority boarding.
Who it’s best for
In order to best utilize the discounts and advantages of this card, it’s best for someone traveling with British Airways at least once or twice a year.
Pros & Cons
- Generous rewards on eligible flights
- Potential to earn a companion ticket
- Lucrative welcome bonus
- No foreign transaction fee
- Rewards rate poor outside of Avios-earning airlines
- Subject to Chase’s 5/24 rule
- No checked baggage or lounge perks
Card Details
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
- Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. Plus earn 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, youll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
- Member FDIC
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hotel Credit Cards of 2024
Best Midrange Hotel Card
IHG One Rewards Premier Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 26X Reward Rate
Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points perRead More
Welcome Bonus
Earn 165,000 bonus points
Annual Fee
$99
Regular APR
21.49% - 28.49% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The annual free night certificate and fourth night free on award stays makes the a fabulous hotel card.
Why we like it
The benefits from this card are easy to use, and the brand’s global footprint means just about any traveler can find an IHG hotel that fits their plans.
What we don’t like
Though the award discounts are lucrative, the earning rates are not particularly exciting.
Who it’s best for
Any traveler staying with IHG once a year will make out ahead with this card.
Pros & Cons
- Earn up to 26 points per dollar spent on IHG hotels worldwide
- Free night award every account anniversary
- Fourth night free on point redemption stays
- Automatic Platinum Elite status
- Poor earnings for everyday and non-category hotel purchases
- Low overall point value
- No worthwhile redemption options outside of IHG properties
Card Details
- Limited Time Offer! Earn 165,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Luxury Hotel Stays
The World of Hyatt Credit Card
On Chase Bank USA, NA's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 9X Reward Rate
Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More
Welcome Bonus
Up to 60,000 Bonus Points
Annual Fee
$95
Regular APR
21.49% - 28.49% variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
On top of providing a free night each year, the The World of Hyatt Credit Card makes it easier to earn World of Hyatt points and get closer to earning elite status at a much-loved brand.
Why we like it
There aren’t many options to earn World of Hyatt points from credit cards, so this one stands out as an easy way to bolster your account balance.
What we don’t like
The card only provides low-tier Discoverist status, which doesn’t include breakfast or suite upgrades.
Who it’s best for
You need to be a Hyatt loyalist to be a good fit for this card since several of the benefits (including the ability to earn tier-qualifying nights) aren’t relevant to a casual traveler.
Pros & Cons
- Annual free night certificate on cardmember anniversary
- Complimentary World of Hyatt Discoverist status
- High points redemption values
- Generous welcome bonus
- Limited number of properties
- No worthwhile redemption options aside from Hyatt properties
- No intro APR offer
Card Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Student Credit Cards of 2024
Best Student Card
Discover it® Student Cash Back
On Discover's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 5% Reward Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations,Read More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
18.24% - 27.24% Variable APR
Credit Score
Fair/New to Credit
Our Expert Take
Students can earn cash back at elevated rates on rotating categories with the Discover it® Student Cash Back and get access to a first-year welcome offer with no annual fee.
Why we like it
It’s a beginner card with advanced benefits. The structure of this card is one even long-time credit card users would be happy with.
What we don’t like
Cardholders need to activate 5% rates and watch for the $1,500 earning limit on rotating quarterly bonus categories to get the best rewards.
Who it’s best for
College students who can keep track of quarterly bonus categories.
Pros & Cons
- 5% cashback on rotating bonus categories after enrollment
- First-year cash-back match
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate
Card Details
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
- Terms and conditions apply.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Student Card
Bank of America® Customized Cash Rewards credit card for Students
On Bank of America's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America's Website
Choose your 3% category
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More
Welcome Bonus
$200 cash rewards bonus
Annual Fee
$0
Regular APR
18.24% - 28.24% Variable APR on purchases and balance transfers
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The Bank of America® Customized Cash Rewards credit card for Students offers a generous intro APR period, which is good on both new purchases and balance transfers. It even provides a reduced balance transfer fee to new cardholders.
Why we like it
Students can pick which purchase category they want to earn maximum rewards in—and change their selection up to once a month—which makes it incredibly flexible.
What we don’t like
You’ll need to keep a close eye on details with this card. There are earning limits on your bonus cash rewards, deadlines for the introductory APR and different schedules for the welcome bonus.
Who it’s best for
This card is best for students who want an intro APR for new purchases, balance transfers or both.
Pros & Cons
- Free FICO® Score access
- Intro APR offer with a generous term
- Competitive cash-back reward rates
- Solid welcome bonus
- 3% foreign transaction fee
- Higher penalty APR applies to late payments
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Cards for Customers With Fair Credit of 2024
Best Cash-Back Fair Credit Card
Citi Custom Cash® Card
On Citi's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Citi's Website
Up to 5% Reward Rate
5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All otherRead More
Welcome Bonus
$200
Annual Fee
$0
Regular APR
19.24% - 29.24% (Variable)
Credit Score
Excellent, Good, Fair
Our Expert Take
You can earn cash-back rewards at strong rates without an annual fee or the need for a perfect credit score, thanks to the Citi Custom Cash® Card.
Why we like it
The chance to earn 5% cash back is impressive on any card. This one dishes your rewards automatically without enrollments or activations.
What we don’t like
There’s a low spending limit on your increased rewards category of only $500 per billing cycle.
Who it’s best for
This is a solid card for anyone with Excellent, Good, Fair credit since it provides cash back (at any rate) without an annual fee.
Pros & Cons
- No registration required to earn bonus rewards
- Cash-back categories are unique categories that other cards may not offer bonus rewards for
- Introductory APR on purchases and balance transfers
- No annual fee
- High balance transfer fee
- High foreign transaction fee
- Some everyday rewards categories are neglected
Card Details
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Credit Cards for Customers With Bad or No Credit of 2024
Best Secured Card for No Credit
Discover it® Secured Credit Card
On Discover's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Discover's Website
Up to 2% Reward Rate
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. PlusRead More
Welcome Bonus
Cashback Match™
Annual Fee
$0
Regular APR
28.24% Variable APR
Credit Score
New/Rebuilding Credit
Our Expert Take
As one of the few secured cards to offer reasonable cash-back rewards on every purchase, the Discover it® Secured Credit Card stands out as an option that doesn’t make you feel like you’re missing out.
Why we like it
Discover conducts automatic monthly account reviews after your first seven months to determine if your security deposit can be returned.
What we don’t like
Your initial credit line will be equal to your security deposit, which must be a minimum of $200 or a maximum of $2,500. This could be limiting for some customers.
Who it’s best for
This card is best for someone dedicated to rebuilding their credit—it encourages responsible usage and even rewards you for your spending.
Pros & Cons
- No annual fee
- Cash back rewards earning is uncommon for a secured card
- Free FICO score access each month
- Cashback Match doubles cash back rewards earning at the end of the first year
- Bonus category rewards are capped
- Secured cards don’t provide many of the perks unsecured cards do
- Secured cards require refundable deposits
Card Details
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Secured Card for Bad Credit
First Progress Platinum Prestige Mastercard® Secured Credit Card
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On First Progress's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
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On First Progress's Website
1% Cash Back
1% Cash Back Rewards on payments
Welcome Bonus
None
Annual Fee
$49
Regular APR
15.24% (Variable)
Credit Score
Poor/Limited/No Credit
Our Expert Take
The First Progress Platinum Prestige Mastercard® Secured Credit Card offers a second chance to someone with damaged credit and charges lower interest rates than most other options.
Why we like it
You can earn cash-back rewards on every purchase, even if you have poor, limited or no credit.
What we don’t like
The card charges an annual fee, a deterrent for such a basic card.
Who it’s best for
We’d recommend this card to someone who needs a card to build their credit score and doesn’t qualify for unsecured cards on the market.
Pros & Cons
- Reports to all three major credit bureaus
- Lower than average standard APR
- May be an option for those with bad credit seeking an approval
- $49 annual fee
- Foreign transaction fee
- Deposit required
Card Details
- 1% Cash Back Rewards on payments
- Choose your own credit line – $200 to $2000 – based on your security deposit
- Build your credit score. Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
None
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
