Credit Card Award Winners of 2024
Updated: Dec 10, 2024
+ 2 more+ 2 more
In some respects, 2023 was a return to normalcy. Consumers spent more, traveled more and generally got back to their pre-COVID lifestyles. But at the same time, inflation and high interest rates are continuing to cause a significant amount of economic uncertainty. We considered all of this when we chose the winners for NerdWallet’s Best-Of Awards for 2024.
Thankfully, credit cards continue to offer valuable perks and rewards that can help you meet your 2024 goals, whether you’re planning on finally taking that big trip or just hoping to stave off the effects of inflation.
Here’s our top credit card offers for 2024.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
In some respects, 2023 was a return to normalcy. Consumers spent more, traveled more and generally got back to their pre-COVID lifestyles. But at the same time, inflation and high interest rates are continuing to cause a significant amount of economic uncertainty. We considered all of this when we chose the winners for NerdWallet’s Best-Of Awards for 2024.
Thankfully, credit cards continue to offer valuable perks and rewards that can help you meet your 2024 goals, whether you’re planning on finally taking that big trip or just hoping to stave off the effects of inflation.
Here’s our top credit card offers for 2024.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Show More
In some respects, 2023 was a return to normalcy. Consumers spent more, traveled more and generally got back to their pre-COVID lifestyles. But at the same time, inflation and high interest rates are continuing to cause a significant amount of economic uncertainty. We considered all of this when we chose the winners for NerdWallet’s Best-Of Awards for 2024.
Thankfully, credit cards continue to offer valuable perks and rewards that can help you meet your 2024 goals, whether you’re planning on finally taking that big trip or just hoping to stave off the effects of inflation.
Here’s our top credit card offers for 2024.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
In some respects, 2023 was a return to normalcy. Consumers spent more, traveled more and generally got back to their pre-COVID lifestyles. But at the same time, inflation and high interest rates are continuing to cause a significant amount of economic uncertainty. We considered all of this when we chose the winners for NerdWallet’s Best-Of Awards for 2024.
Thankfully, credit cards continue to offer valuable perks and rewards that can help you meet your 2024 goals, whether you’re planning on finally taking that big trip or just hoping to stave off the effects of inflation.
Here’s our top credit card offers for 2024.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Credit Card Award Winners of 2024
Wells Fargo Active Cash® Card: Best for Simple cash back
Chase Freedom Flex®: Best for Bonus cash back
Chase Sapphire Preferred® Card: Best for All-purpose travel rewards
Chase Sapphire Reserve®: Best for Premium travel card
Citi Simplicity® Card: Best for Balance transfer
United℠ Explorer Card: Best for Airline card
World of Hyatt Credit Card: Best for Hotel card
Discover it® Student Chrome: Best for College students
Discover it® Secured Credit Card: Best for Building credit
The American Express Blue Business Cash™ Card: Best for Small business
Blue Cash Preferred® Card from American Express: Best for Groceries
Capital One Savor Cash Rewards Credit Card: Best for Entertainment
Citi Custom Cash® Card: Best for Gas
U.S. Bank Cash+® Visa Signature® Card: Best for 0% APR for purchases
Bilt World Elite Mastercard® Credit Card: Best for No-annual-fee travel card
Show SummaryHide Summary
Credit Card Award Winners From Our Partners
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Wells Fargo Active Cash® CardApply Now on Wells Fargo's website on Wells Fargo's website | Best for Simple cash back | $0 | 2% | $200 | Apply Now on Wells Fargo's website on Wells Fargo's website |
 Chase Freedom Flex®Apply Now on Chase's website on Chase's website | Best for Bonus cash back | $0 | 1%-5% | $200 | Apply Now on Chase's website on Chase's website |
 Chase Sapphire Preferred® CardApply Now on Chase's website on Chase's website | Best for All-purpose travel rewards | $95 | 1x-5x | 60,000 points | Apply Now on Chase's website on Chase's website |
 Chase Sapphire Reserve®Apply Now on Chase's website on Chase's website | Best for Premium travel card | $550 | 1x-10x | 60,000 points | Apply Now on Chase's website on Chase's website |
 Citi Simplicity® CardApply Now on Citibank's application on Citibank's application | Best for Balance transfer | $0 | N/A | N/A | Apply Now on Citibank's application on Citibank's application |
 United℠ Explorer CardApply Now on Chase's website on Chase's website | Best for Airline card | $0 intro for the first year, then $95 | 1x-2x | 60,000 miles | Apply Now on Chase's website on Chase's website |
 World of Hyatt Credit CardApply Now on Chase's website on Chase's website | Best for Hotel card | $95 | 1x-9x | Up to 60,000 Points | Apply Now on Chase's website on Chase's website |
 Discover it® Student ChromeApply Now on Discover's website, on Discover's website, or call 800-347-0264 | Best for College students | $0 | 1%-2% | Cashback Match™ | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
 Discover it® Secured Credit CardApply Now on Discover's website, on Discover's website, or call 800-347-0264 | Best for Building credit | $0 | 1%-2% | Cashback Match™ | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
 The American Express Blue Business Cash™ CardApply Now on American Express' website on American Express' website | Best for Small business | $0 | 1%-2% | $250 | Apply Now on American Express' website on American Express' website |
 Blue Cash Preferred® Card from American ExpressApply Now on American Express' website on American Express' website | Best for Groceries | $0 intro annual fee for the first year, then $95. | 1%-6% | $250 | Apply Now on American Express' website on American Express' website |
 Capital One Savor Cash Rewards Credit CardApply Now on Capital One's website on Capital One's website | Best for Entertainment | $0 | 1%-8% | $200 | Apply Now on Capital One's website on Capital One's website |
 Citi Custom Cash® CardApply Now on Citibank's application on Citibank's application | Best for Gas | $0 | 1%-5% | $200 | Apply Now on Citibank's application on Citibank's application |
 U.S. Bank Cash+® Visa Signature® CardApply Now on U.S. Bank's website on U.S. Bank's website | Best for 0% APR for purchases | $0 | 1%-5% | $200 | Apply Now on U.S. Bank's website on U.S. Bank's website |
 Bilt World Elite Mastercard® Credit CardApply Now on Bilt's website on Bilt's website | Best for No-annual-fee travel card | None | 1X-3X | N/A | Apply Now on Bilt's website on Bilt's website |
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Simple cash back
NerdWallet Credit Card Award Winners of 2024
High rewards rate
No annual fee
Intro APR period
No bonus categories
Our Take
High rewards rate
No annual fee
Intro APR period
No bonus categories
Bonus cash back
NerdWallet Credit Card Award Winners of 2024
No annual fee
New cardholder bonus offer
Bonus categories
Cash rewards
Intro APR period
Requires good/excellent credit
Complicated rewards
Product Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74%-28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Our Take
No annual fee
New cardholder bonus offer
Bonus categories
Cash rewards
Intro APR period
Requires good/excellent credit
Complicated rewards
All-purpose travel rewards
NerdWallet Credit Card Award Winners of 2024
New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners
Has annual fee
Requires good/excellent credit
Complicated rewards
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
- Member FDIC
Our Take
New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners
Has annual fee
Requires good/excellent credit
Complicated rewards
Premium travel card
NerdWallet Credit Card Award Winners of 2024
High rewards rate
Luxury perks
Premium travel protections
Transfer partners
Primary rental car coverage
High annual fee
Requires excellent credit
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
Our Take
High rewards rate
Luxury perks
Premium travel protections
Transfer partners
Primary rental car coverage
High annual fee
Requires excellent credit
Balance transfer
NerdWallet Credit Card Award Winners of 2024
No annual fee
Intro APR period
No rewards
No new cardholder bonus offer
Requires good/excellent credit
Product Details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- Stay protected with Citi® Quick Lock
- View Rates & Fees
Our Take
No annual fee
Intro APR period
No rewards
No new cardholder bonus offer
Requires good/excellent credit
Airline card
NerdWallet Credit Card Award Winners of 2024
Bonus categories
Luxury perks
New cardholder bonus offer
Free checked bag
Has annual fee
Rewards have limited flexibility
Product Details
- Limited-time Offer: Earn 60,000 bonus miles
- $0 introductory annual fee for the first year, then $95.
- 2x miles on United® purchases, dining, and hotel stays
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Member FDIC
Our Take
Bonus categories
Luxury perks
New cardholder bonus offer
Free checked bag
Has annual fee
Rewards have limited flexibility
Hotel card
NerdWallet Credit Card Award Winners of 2024
New cardholder bonus offer
Automatic free night annually
Bonus categories
Luxury perks
Has annual fee
Complicated rewards
Limited redemptions
Product Details
- Earn up to 60,000 Bonus Points. 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 on qualified purchases at Hyatt hotels & up to 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
Our Take
New cardholder bonus offer
Automatic free night annually
Bonus categories
Luxury perks
Has annual fee
Complicated rewards
Limited redemptions
College students
NerdWallet Credit Card Award Winners of 2024
No annual fee
Intro APR period
Qualify with average credit
Bonus categories
Complicated rewards
Product 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 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.
- 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 17.49% - 26.49% applies.
- Terms and conditions apply.
- View Rates & Fees
Our Take
No annual fee
Intro APR period
Qualify with average credit
Bonus categories
Complicated rewards
Building credit
NerdWallet Credit Card Award Winners of 2024
No annual fee
Reports to the three major credit bureaus
Qualify with limited/bad credit
Earns rewards
New cardholder bonus offer
Requires minimum deposit
High APR
Product Details
- No credit score required to apply. No Annual Fee.
- 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.
- Raise your credit score by 30+ points.
- 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.
- View Rates & Fees
Our Take
No annual fee
Reports to the three major credit bureaus
Qualify with limited/bad credit
Earns rewards
New cardholder bonus offer
Requires minimum deposit
High APR
Small business
NerdWallet Credit Card Award Winners of 2024
No annual fee
High rewards rate
Intro APR period
Cash rewards
Spending caps on bonus rewards
Requires good/excellent credit
Product Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Our Take
No annual fee
High rewards rate
Intro APR period
Cash rewards
Spending caps on bonus rewards
Requires good/excellent credit
Groceries
Best credit cards for specific needs
High rewards rate
Bonus categories
Intro APR period
Cash rewards
Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards
Product Details
- Earn a $250 statement credit after you spend $3,000 in eligible 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 18.49% - 29.49%.
- 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.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- View Rates & Fees
Our Take
High rewards rate
Bonus categories
Intro APR period
Cash rewards
Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards
Entertainment
Best credit cards for specific needs
No annual fee
Intro APR period
Bonus categories
No foreign transaction fees
Requires good/excellent credit
Product Details
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
- View Rates & Fees
Our Take
No annual fee
Intro APR period
Bonus categories
No foreign transaction fees
Requires good/excellent credit
Gas
Best cards for specific needs
No annual fee
5% bonus categories
Intro APR Period
Low rate outside bonus categories
Product 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 18.49% - 28.49%, 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- 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.
- View Rates & Fees
Our Take
No annual fee
5% bonus categories
Intro APR Period
Low rate outside bonus categories
0% APR for purchases
NerdWallet Credit Card Award Winners of 2024
No annual fee
Bonus categories
High rewards rate
Complicated rewards
Product Details
- $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
- 2% cash back on one everyday category like Gas Stations and EV Charging Stations, or Grocery Stores (excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 18.74% - 28.99%.
- No Annual Fee
- Terms and conditions apply.
- View Rates & Fees
Our Take
No annual fee
Bonus categories
High rewards rate
Complicated rewards
No-annual-fee travel card
NerdWallet Credit Card Award Winners of 2024
No annual fee
Bonus categories
Cell phone insurance
Transfer partners
Requires good/excellent credit
No new cardholder bonus offer
Monthly minimum to earn rewards
Product Details
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc
- Select “Apply Now” to learn more about the product features, terms, and conditions
- View Rates & Fees
Our Take
No annual fee
Bonus categories
Cell phone insurance
Transfer partners
Requires good/excellent credit
No new cardholder bonus offer
Monthly minimum to earn rewards
TO RECAP OUR EDITORIAL SELECTIONS
TOP CREDIT CARD OFFERS FOR 2024 | 2024's BEST CARDS FOR SPECIFIC NEEDS |
|---|---|
Best card for simple cash back Wells Fargo Active Cash® Card | Best small-business cash-back card The American Express Blue Business Cash™ Card |
Best card for bonus cash back Chase Freedom Flex® | Best card for groceries Blue Cash Preferred® Card from American Express |
Best all-purpose travel rewards card Chase Sapphire Preferred® Card | Best card for dining U.S. Bank Altitude® Go Visa Signature® Card |
Best premium travel card Chase Sapphire Reserve® | Best card for entertainment Capital One Savor Cash Rewards Credit Card |
Best travel card with no annual fee Bilt World Elite Mastercard® Credit Card | Best card for gas Citi Custom Cash® Card |
Best balance transfer card Citi Simplicity® Card | |
Best 0% APR card for purchases U.S. Bank Cash+® Visa Signature® Card | |
Best airline card United℠ Explorer Card | |
Best hotel card World of Hyatt Credit Card | |
Best card for college students Discover it® Student Chrome | |
Best card for building credit Discover it® Secured Credit Card |
PAST YEARS
2023 award winners
Top 10 credit offers of 2023
Wells Fargo Active Cash® Card: Best for simple cash back
Chase Freedom Flex®: Best for bonus cash back
Chase Sapphire Preferred® Card: Best for all-purpose travel rewards
Chase Sapphire Reserve®: Best for travel perks
BankAmericard® credit card: Best for balance transfers
Bank of America® Customized Cash Rewards credit card: Best for 0% intro apr on new purchases
Delta SkyMiles® Gold American Express Card: Best airline card
World of Hyatt Credit Card: Best hotel card
Capital One Savor Student Cash Rewards Credit Card: Best for students (at the time this card was chosen, it was known as the Capital One SavorOne Student Cash Rewards Credit Card)
Discover it® Secured Credit Card: Best for building credit
2023's best credit cards for specific needs
Capital One Savor Cash Rewards Credit Card: Best for entertainment (at the time this card was chosen, it was known as the Capital One SavorOne Cash Rewards Credit Card)
U.S. Bank Altitude® Go Visa Signature® Card: Best for dining
Blue Cash Preferred® Card from American Express: Best for groceries
Citi Custom Cash® Card: Best for gas
The American Express Blue Business Cash™ Card: Best for small business
2022 award winners
Top 9 credit offers of 2022
Wells Fargo Active Cash® Card : Best for simple cash back
Chase Freedom Flex®: Best for bonus cash back
Capital One Venture Rewards Credit Card : Best for basic travel rewards
Chase Sapphire Reserve® : Best for travel perks
Wells Fargo Reflect® Card : Best for intro 0% APR and balance transfer
Delta SkyMiles® Gold American Express Card : Best airline card
World of Hyatt Credit Card : Best hotel card
Discover it® Chrome : Best for students
Discover it® Secured Credit Card : Best for building credit
2022's best credit cards for specific needs
Capital One Savor Cash Rewards Credit Card (no longer available): Best for entertainment (this was the annual-fee version of the Savor card, which has since been discontinued; the no-annual fee card formerly known as SavorOne now bears the "Savor" name)
U.S. Bank Altitude® Go Visa Signature® Card : Best for dining
Blue Cash Preferred® Card from American Express : Best for groceries
The American Express Blue Business Cash™ Card : Best for small business
2021 award winners
Top 10 credit card offers of 2021
Citi Double Cash® Card: Best for flat-rate cash back
Chase Freedom Flex®: Best for bonus cash back
Capital One Venture Rewards Credit Card: Best for flat-rate travel rewards
American Express® Gold Card: Best for bonus travel rewards
Wells Fargo Propel American Express® card: Best for no-annual-fee travel rewards
U.S. Bank Visa® Platinum Card: Best for 0% intro APR and balance transfer
Delta SkyMiles® Gold American Express Card: Best airline card
World of Hyatt Credit Card: Best hotel card
Discover it® Student Chrome: Best for college students
Discover it® Secured Credit Card: Best for building credit
2021's best credit cards for specific needs
Capital One Spark Cash: Best for small-business cash back
Blue Cash Preferred® Card from American Express: Best for groceries
U.S. Bank Altitude® Go Visa Signature® Card: Best for dining out or ordering in
Prime Visa: Best for staying at home
2020 award winners
Top 10 credit card offers of 2020
Citi Double Cash® Card: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus category cash back
Capital One Venture Rewards Credit Card: Best for flat-rate travel rewards
Chase Sapphire Reserve®: Best for bonus travel rewards
Wells Fargo Propel American Express® card: Best for no-annual-fee travel rewards
Amex EveryDay® Credit Card: Best for balance transfers
U.S. Bank Visa® Platinum Card: Best for 0% intro APR
The Platinum Card® from American Express: Best premium card
ABOC Platinum Rewards Mastercard® Credit Card: Best for fair credit
Discover it® Secured Credit Card: Best for building credit
2020's best credit cards for specific needs
Capital One Spark Cash: Best for small-business cash back
The Business Platinum Card® from American Express: Best for small-business travel
Discover it® Student Chrome: Best for college students
Deserve® EDU Mastercard for Students: Best for international students
United℠ Explorer Card: Best airline card
World of Hyatt Credit Card: Best hotel card
Capital One® Walmart Rewards™ Mastercard®: Best store card
Blue Cash Preferred® Card from American Express: Best for families
Capital One Savor Cash Rewards Credit Card (no longer available): Best for dining and entertainment (this was the annual-fee version of the Savor card, which has since been discontinued; the no-annual fee card formerly known as SavorOne now bears the "Savor" name)
Ducks Unlimited Rewards Visa® Card: Best for gas
2019 award winners
Top 10 credit card offers of 2019
Barclaycard Arrival Plus® World Elite Mastercard®: Best for flat-rate travel
Chase Sapphire Preferred® Card: Best for bonus travel rewards
Wells Fargo Propel American Express® card: Best for no-annual-fee travel
Citi Double Cash® Card: Best for flat-rate cash back
Discover it® Cash Back: Best for bonus cash back
Amex EveryDay® Credit Card: Best for balance transfers
U.S. Bank Visa® Platinum Card: Best for 0% interest
Chase Sapphire Reserve®: Best premium card
Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit
Discover it® Secured Credit Card: Best for building credit
2019's best credit cards for specific needs
Capital One Spark Cash: Best for small-business cash back
The Platinum Card® from American Express: Best for small-business travel
Deserve® EDU Mastercard for Students: Best for college students
Alaska Airlines Visa Signature® credit card: Best airline card
Marriott Rewards® Premier Plus Credit Card: Best hotel card
Prime Visa: Best store card
Wells Fargo Propel American Express® card: Best gas card
Blue Cash Preferred® Card from American Express: Best for families
Capital One Savor Cash Rewards Credit Card: Best for dining and entertainment (at the time this card was chosen, it was known as the Capital One SavorOne Cash Rewards Credit Card)
2018 award winners
Top 10 credit card offers of 2018
Capital One Venture Rewards Credit Card: Best flat-rate travel rewards card
Chase Sapphire Preferred® Card: Best bonus category travel rewards card
Citi Double Cash® Card: Best flat-rate cash back card
Discover it® Cash Back: Best bonus category cash back card
Blue Cash Preferred® Card from American Express: Best family card
Citi Simplicity® Card: Best 0% Intro APR card
Capital One QuicksilverOne Cash Rewards Credit Card: Best card for fair/average credit
Discover it® Secured Credit Card: Best card for building credit
Discover it® Student Cash Back: Best card for college students
SimplyCash® Plus Business Credit Card from American Express: Best small business card
2017 award winners
Top 10 credit card offers of 2017
Capital One Venture Rewards Credit Card: Best flat-rate travel rewards card
Chase Sapphire Preferred® Card: Best bonus category travel rewards card
Citi Double Cash® Card: Best flat-rate cash back card
Chase Freedom®: Best bonus category cash back card
Blue Cash Preferred® Card from American Express: Best card for everyday spending
Chase Slate®: Best card for balance transfers
Citi Simplicity® Card: Longest 0% Intro APR period
Capital One QuicksilverOne Cash Rewards Credit Card: Best card for fair/average credit
Discover it® Student Cash Back: Best card for college students
Capital One Spark Cash: Best small business card
2016 award winners
Top 10 credit card offers of 2016
Chase Sapphire Preferred® Card: Best for travel
(TIE) — Capital One Venture Rewards Credit Card and Barclaycard Arrival Plus® World Elite Mastercard®: Easiest travel redemption
Citi Double Cash® Card: Best for cash back
Chase Freedom®: Best for bonus categories
Blue Cash Preferred® Card from American Express: Best for everyday spending
Chase Slate®: Best for balance transfers
Citi Simplicity® Card: Longest 0% Intro APR period
Citi ThankYou® Preferred Card for College Students: Best for students
Ink Plus® Business Credit Card: Best for business
Barclaycard Rewards MasterCard®: Best for fair/average credit
Last updated on December 10, 2024
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
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