List of 10 Best Credit Cards for 2024
Throughout the year, we've continuously analyzed credit card offers from the largest US banks to select the best cards. We compared cards based on various factors, from sign-up bonuses and rewards to exclusive perks. As a result, we've compiled a list of the top 10 credit cards for 2024 that will meet the needs of a broad audience.
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🔸 Chase Freedom Unlimited®: best for up to 5% cashback on travel, gas, and grocery + 0% intro APR
🔸 Wells Fargo Active Cash®: highest 2% flat rate unlimited cashback plus welcome bonus
🔸 Chase Freedom Rise℠ : best for people with no credit history
🔸 Citi Custom Cash℠ : best for up to 5% cashback on purchases in a top spend category + 0% intro APR
🔸 Chase Freedom Flex℠: best for up to 5% cashback on quarterly bonus categories + 0% intro APR
🔸 Susan G. Komen® Customized Cash: best flexible cashback credit card for breast cancer research supporters
🔸 Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods
🔸 Bilt Mastercard®: best for paying rent without a transaction fee, dining, and travel benefits
🔸 Sapphire Reserve®: best rated overall premium travel card with unlimited airport lounge access, up to 10x points on travel and dining
🔸 Ink Business Unlimited®: best rated overall business card for earning unlimited flat-rate cashback
Chase Freedom Unlimited® Credit Card
Why we picked it: You will earn unlimited 1.5% flat-rate cashback on all purchases for a $0 annual fee. Increased earnings on dining and drugstores (3% cashback), and travel booked through Chase Ultimate Rewards® (5% cashback). It offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. It covers your new purchases against damage or theft and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Generous welcome offer
- Unlimited 5% cashback on purchases through Chase Ultimate Rewards
- Unlimited 3% cashback on dining and drugstores
- Secondary rental car coverage
- Trip cancellation/interruption insurance
- Purchase protection
- Extended warranty
❌ Cons:
Foreign transaction fee
Requires good/excellent credit
Freedom Unlimited®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.99% - 28.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Wells Fargo Active Cash® Credit Card
Why we picked it: You will earn the highest unlimited 2% flat-rate cashback on all purchases for a $0 annual fee. It offers a $200 welcome bonus and 15 months of 0% APR on purchases and balance transfers. Additionally, it protects your cell phone against damage or theft and provides secondary rental car coverage.
✅ Pros:
- No annual fee
- Simplicity
- Introductory 0% APR on purchases and balance transfer
- Easy-to-earn welcome bonus
- Highest unlimited 2% flat rate cashback
- Secondary rental car coverage
- Cell phone protection
❌ Cons:
- Foreign transaction fee
- No bonus categories
Active Cash®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
19.74% - 29.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards 2% unlimited cashback on all purchases with no categories to track or quarterly activations.
2% Cashback
Welcome Offer Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months.
$200
Chase Freedom Rise℠ Credit Card
Why we picked it: Chase Freedom Rise℠ is an excellent starting point for people with no credit history. With this card, you will establish your credit history and earn rewards. You will earn unlimited 1.5% flat-rate cashback on all purchases for a $0 annual fee. Additionally, it offers a $25 statement credit for setting up autopay, covers your new purchases against damage or theft, and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No credit history is required
- No annual fee
- Simplicity
- $25 statement credit for setting up autopay
- Trip cancellation/interruption insurance
- Purchase Protection
- Extended Warranty
❌ Cons:
- Foreign transaction fee
- No introductory 0% APR
- Increased odds of approval for having a Chase checking account with a balance of at least $250
Freedom Rise℠
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
26.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
New To Credit
Rewards Earn unlimited 1.5% cashback on all your purchases.
1.5% Cashback
Welcome Offer Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
$25
Citi Custom Cash℠ Credit Card
Why we picked it: You will automatically earn 5% cashback on purchases in the one eligible category you spend the most in each billing cycle. This no-annual-fee card also offers a $200 welcome bonus and 15 months of 0% APR on purchases and balance transfers.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Sign-up bonus
- 5% cashback on purchases in a top spend category
❌ Cons:
Foreign transaction fee
The 5% bonus category has a spending limit of $500 per billing cycle
Low cash back on purchases outside the bonus category
Custom Cash℠
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. Earn unlimited 1% cashback on all other purchases. Special travel offer: Earn an additional 4% cashback on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1% - 5% Cashback
Welcome Offer Earn a $200 cashback after spending $1,500 in the first six months of account opening.
$200
Chase Freedom Flex℠ Credit Card
Why we picked it: You will earn 5% cashback on quarterly bonus categories for a $0 annual fee. Increased earnings on dining and drugstores (3% cashback), and travel booked through Chase Ultimate Rewards® (5% cashback). It offers a generous welcome bonus and a long introductory 0% APR on purchases and balance transfers. It covers your cell phone and new purchases against damage or theft and extends the manufacturer’s warranty by one additional year. Additionally, it provides rental car coverage and trip cancellation/interruption insurance.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Generous welcome offer
- 5% cashback on quarterly bonus categories
- 5% cashback on purchases through Chase Ultimate Rewards
- Unlimited 3% cashback on dining and drugstores
- Secondary rental car coverage
- Trip cancellation/interruption insurance
- Cell Phone Protection
- Purchase Protection
- Extended Warranty
❌ Cons:
Requires good/excellent credit
Foreign transaction fee
5% bonus category has a spending limit of $1,500 in combined purchases each quarter
5% quarterly bonus categories require activation
Freedom Flex
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.99% - 28.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate, 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, plus 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Susan G. Komen® Customized Cash Rewards Credit Card
Why we picked it: The Susan G. Komen Customized Cash Rewards card is virtually identical to the Bank of America Customized Cash Rewards card. You will earn 3% cashback in the category of your choice for a $0 annual fee. Increased earnings on grocery and wholesale clubs (2% cashback). It offers a $200 welcome bonus and 15 months of 0% APR on purchases and balance transfers. The only difference between the Susan G. Komen and the regular Bank of America Customized Cash Rewards is the charitable aspect. Bank of America pledges a small percentage of each transaction to the Susan G. Komen foundation, thereby contributing to breast cancer research.
✅ Pros:
- No annual fee
- Introductory 0% APR on purchases and balance transfer
- Sign-up bonus
- 3% cashback in the category of your choice
- You can change the choice category once every month
- 25% - 75% more cashback for Preferred Rewards members
- Charitable giving towards breast cancer research
❌ Cons:
- Foreign transaction fee
- The 3% and 2% cashback has a spending limit of $2,500 in combined purchases each quarter
Susan G. Komen® Customized Cash Rewards Visa®
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 2% cashback at grocery stores and wholesale clubs. Earn 3% and 2% cashback on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Earn 1% cashback on all other purchases.
1% - 5.25% Cashback
Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days of account opening.
$200
Prime Visa Credit Card
Why we picked it: With Amazon Prime membership, you will earn unlimited 5% cashback on Amazon and Whole Foods purchases. Increased earnings on dining at restaurants, gas stations, local transit and commuting (3% cashback), and travel booked through Chase Ultimate Rewards® (5% cashback). It offers a $100 Amazon Gift card instantly upon approval and no foreign transaction fee. It covers your new purchases against damage or theft and extends the manufacturer’s warranty by one additional year. It also provides standout travel benefits, such as auto rental collision coverage, baggage delay insurance, lost luggage reimbursement, and travel accident insurance.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Instant sign-up bonus
- Unlimited 5% cashback on Amazon and Whole Foods
- Unlimited 5% cashback on purchases through Chase Ultimate Rewards
- Secondary rental car coverage
- Great travel benefits such as baggage delay insurance, lost luggage reimbursement, and travel accident insurance
- Purchase Protection
- Extended Warranty
❌ Cons:
- Amazon Prime membership is required
Prime Visa
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 28.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Get a $150 Amazon Gift Card instantly upon approval.
$150 Amazon Gift Card
Bilt Mastercard®
Why we picked it: The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. You will earn 1x on rent, 2x on travel, 3x on dining. Plus, double points on the 1st of each month (except rent). This no-annual-fee card offers excellent travel benefits such as primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, and trip delay reimbursement. Additionally, it provides cell phone protection and covers new purchases against damage or theft.
✅ Pros:
- No annual fee
- No foreign transaction fee
- Double points on the first of each month
- Rent payment without a transaction fee
- Rewards on rent payment
- 3x points on dining
- Primary rental car coverage
- Great travel benefits such as Trip cancellation/interruption insurance and Trip delay reimbursement
- Cell phone protection
- Purchase protection
❌ Cons:
No sign-up bonus
No introductory 0% APR
High regular APR
There is a 100,000 limit for 1x points on rent each calendar year
You must complete at least five transactions in each statement period to keep earning points
Bilt Mastercard®
On Wells Fargo's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.99% - 28.99% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
1x - 6x Points
Welcome Offer N/A
N/A
Chase Sapphire Reserve® Credit Card
Why we picked it: Chase Sapphire Reserve® is a premium-level credit card with elevated rewards on travel and dining. You will earn up to 10x points on travel and dining, receive a $300 annual travel credit, and get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. The card offers a generous welcome bonus for new customers and excellent travel benefits and perks such as unlimited airport lounge access, primary rental car coverage, no foreign transaction fee, trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and many more. Additionally, it covers your new purchases against damage or theft, provides return protection, and extends the manufacturer’s warranty by one additional year.
✅ Pros:
- No foreign transaction fee
- Generous sign-up bonus
- Great rewards (up to 10x points) on travel and dining
- Unlimited airport lounge access
- $300 annual travel credit
- Up to $100 Global Entry, TSA PreCheck®, or NEXUS statement credit
- 50% more points value if redeemed for travel booked through Chase Ultimate Rewards
- Primary rental car coverage
- Standout travel benefits and perks
- Transfer partners
- Purchase and Return Protection
- Extended Warranty
❌ Cons:
- High annual fee
- Requires excellent credit
- $75 annual fee for each authorized user
- No introductory 0% APR
- High regular APR
Sapphire Reserve®
On Chase's Secure Website
Annual fee:
$550
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.99% - 28.99% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
740-850 (Excellent)
Rewards Earn 10x points on hotels (excluding The Edit℠) and car rentals purchased through Chase Travel after spending $300 on travel annually. Earn 5x points on flights purchased through Chase Travel after spending $300 on travel annually. Earn 3x points on other travel purchases after spending $300 on travel annually. Earn 10x points on Chase Dining purchases and 3x points on other dining purchases. Earn 1x points on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. These points are worth $900 for travel through Chase Travel or $600 for cash.
60,000 Points
Ink Business Unlimited® Credit Card
Why we picked it: You will earn unlimited 1.5% flat-rate cashback on all purchases for a $0 annual fee. It offers a $900 welcome bonus and 12 months of 0% APR on purchases. It covers your new purchases against damage or theft and extends the manufacturer’s warranty by one additional year. Additionally, it provides primary rental car coverage when renting for business purposes.
✅ Pros:
No annual fee
Simplicity
Introductory 0% APR on purchases
Low regular APR
Generous sign-up bonus
Primary rental car coverage
Purchase Protection
Extended Warranty
Employee cards at no additional cost
❌ Cons:
Foreign transaction fee
No bonus categories
Ink Business Unlimited®
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: N/A
Regular APR
17.99% - 23.99% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time℠
Credit Score
670-850 (Good/Excellent)
Rewards Earn unlimited 1.5% cashback on all purchases.
1.5% Cashback
Welcome Offer Earn a $900 cashback bonus after spending $6,000 on purchases in the first three months after account opening.
$900
Looking for more?
With so many options available, it is important to do your own research to choose the best credit card for your individual needs. To find the credit card that best suits you, be sure to check our website for:
Best credit cards for Balance Transfer
Best credit cards for Sign-up Bonus
Best credit cards for Students
Best credit cards for Cash Back
Best credit cards for Online Shopping
Best credit cards with No Foreign Transaction Fee
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.