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NerdWallet Best-Of Awards 2024

Check out this year’s favorite credit card winners

Start earning cash back, saving money on credit card interest, or raking in travel points and miles in no time with 2024’s cream of the crop.

2% Cash Back With a Bonus

Not many cash-back credit cards earn 2% back on all purchases, so when a card joins the club, it’s a cause for celebration. The $0-annual-fee Wells Fargo Active Cash® Card has a lot to offer: unlimited 2% cash back on all purchases, a sign-up bonus, and a no-interest promotion on new purchases and balance transfers. Taken together, that's a value proposition that's difficult if not impossible to find in other cards of its class.

True, other cards offer higher rewards rates in specific popular spending categories like grocery stores and restaurants. But if you’re willing to manage multiple cards at once, the Wells Fargo Active Cash® Card pairs well with a variety of others.
Delicious Foodie-Focused Rewards, for No Fee

If your recycling bin runneth over with takeout containers or grocery bags, the Capital One SavorOne Cash Rewards Credit Card is an excellent choice. It offers an unlimited 3% cash back on dining and at grocery stores, as well as on entertainment and eligible streaming services. You'll get 1% back on everything else.

The potential to earn such a rich rate on both eating out and eating in helps separate this card from many of its competitors, which tend to focus on only one of those categories or the other. It's possible to find similar or higher rates in either of those categories, but rarely on both with the same card unless you're willing to cough up an annual fee.
Perhaps the Ultimate Family Card

The Blue Cash Preferred® Card from American Express sits among the elite in cash-back credit cards. It offers an eye-popping 6% cash back at U.S. supermarkets on up to $6,000 in spending per year, 6% back on select U.S. streaming subscriptions, and a generous 3% back on transit including U.S. gas stations, plus 1% cash back on everything else. Terms apply. Cash back is received in the form of reward dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Those premier rewards come at an annual cost. There's a $0 intro annual fee for the first year, then $95. That's pricey for a cash-back credit card, especially since most of its competitors charge no annual fee. Still, for many cardholders — especially those with families — the card's high rewards rates will more than make up for the fee.
Straightforward Rewards, No Annual Fee

The American Express Blue Business Cash™ Card is one of the few small-business credit cards that offers up to 2% cash back without charging an annual fee. Terms apply. That makes it a great deal for entrepreneurs looking to earn a high flat rate on everyday spending without having to keep track of bonus categories. The card’s 0% intro APR offer on purchases is also useful for those looking to finance upfront expenses.

But this card’s rewards rate falls to 1% after you’ve used it to spend $50,000. If you're a bigger-spending business owner or you have predictable monthly expenses that fall neatly into specific categories, you can find more lucrative cards. And if it's travel rewards you want, you'll need to look elsewhere.

Frequently asked questions