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Last updatedDecember 2024

Our Best Rewards Credit Cards

December 2024

Written by
Julia Altmann
Senior Writer
author-badge-iconExpertise
Julia Altmann is a content writer specializing in personal finance. She focuses on helping consumers navigate complex financial products, such as credit cards, by creating clear comparison charts. Julia's work is designed to simplify decision-making for readers, enabling them to evaluate their options easily and make informed financial choices.
Reviewed by
Jeanine Skowronski
Editor in Chief
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She currently serves as Editor in Chief of Natural Intelligence’s Publisher division and has previously served as Managing Editor at Bankrate and CreditCards.com, the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet, and a columnist for Inc. Magazine.

A rewards credit card lets you earn valuable points, miles, or cash back on every purchase you make. Whether you’re dining out, shopping online, or traveling, your spending translates into rewards that you can use for gift cards, travel, or even statement credits. Apply for a rewards credit card today and start enjoying the benefits.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Our Best
Cash Back
Balance Transfer
Travel
Rewards
No Annual Fee
Low Interest
bank-of-america-premium-rewards-credit-card credit card logo
9.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on Bank of America's application
Bank of America® Premium Rewards® credit card
Credit Score
670+
Annual Fee
$95
Regular APR
20.49% - 28.49% variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
2 points for every $1 you spend on travel and dining purchases
1.5 points for every $1 spent on all other purchases
No limit to the points earned and points don't expire on open accounts

Welcome Bonus: 60,000 online bonus points worth $600 when you spend at least $4,000 on purchases in the first 90 days of opening your account

Intro APR: N/A

Learn more about Bank of America® Premium Rewards® credit card
citi-double-cash-card credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.8
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Double Cash® Card
Credit Score
580-850 (Fair to Excellent)
Annual Fee
$0
Regular APR
18.49%-28.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/25

Welcome Bonus: 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

Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.

See Rates & Fees

Learn more about Citi Double Cash® Card
citi-rewards-card credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.3
Learn More
on Citi's application
Citi Rewards+® Card
Credit Score
690-850 (Good to Excellent)
Annual Fee
$0
Regular APR
17.99%-27.99% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025

Welcome Bonus: 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

Intro APR: 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 17.99%-27.99%, 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).

See Rates & Fees

Learn more about Citi Rewards+® Card
chase-freedom-unlimited credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.1
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.2
Learn More
on chase.com site
Chase Freedom Unlimited®
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
19.74% - 28.49% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases

Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)

Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Learn more about Chase Freedom Unlimited® card
blue-cash-everyday-card-from-american-express credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670-850 (Good to Excellent)
Annual Fee
$0
Regular APR
18.24%-29.24% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months

Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express
citi-strata-premier-card credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.4
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on Citi's application
Citi Strata Premier℠ Card
Credit Score
690-850 (Good to Excellent)
Annual Fee
$95
Regular APR
20.49%-28.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com
Earn 3 points per $1 spent on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations
Earn 1 Point per $1 spent on all other purchases

Limited Time Offer: Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Intro APR: N/A

See Rates & Fees

Learn more about Citi Strata Premier℠ Card
american-express-gold-card credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.6
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.4
American Express® Gold Card
Recommended Credit Score
670-850 (Good to Excellent)
Annual Fee
$325
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
4X Membership Rewards® points on restaurants (plus takeout and delivery in the U.S.) (up to your first $50,000 in annual spending, then 1X)
4X Membership Rewards® points at U.S. supermarkets (up to your first $25,000 in annual spending, then 1x)
3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com

Welcome Bonus: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Intro APR: N/A

Terms Apply, See Rates & Fees

Learn more about American Express® Gold Card
chase-sapphire-reserve credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.7
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.4
Learn More
on chase.com site
Chase Sapphire Reserve
Credit Score
670-850 (Good to Excellent)
Annual Fee
$550 plus $75 for each authorized user
Regular APR
21.74% - 28.74% Variable
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
$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 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

Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Intro APR: N/A

Learn more about Chase Sapphire Reserve card
capital-one-venture-x-rewards-credit-card credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.9
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.4
Learn More
on creditcards.com site
Capital One Venture X Rewards Credit Card
Recommended Credit Score
740-850 (Very Good to Excellent)
Annual Fee
$395
Regular APR
19.99% - 29.49% (Variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
Earn 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases

Welcome Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Intro APR: N/A

Learn more about Capital One Venture X Rewards Credit Card
the-platinum-card-from-american-express credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.4
The Platinum Card® from American Express
Recommended Credit Score
670-850 (Good to Excellent)
Annual Fee
$695
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
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
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel

Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership

Intro APR: N/A

Terms Apply, See Rates & Fees

Learn more about The Platinum Card® from American Express

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
Bank of America® Premium Rewards® credit card
Bank of America® Premium Rewards® credit card
Read Review
View all reviews

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Everything You Need to Know About Applying for a Rewards Credit Card Online

The digital age has ushered in a convenient era for financial enthusiasts, making it easier than ever to explore the best credit card promotions. From introductory offers to exclusive bonuses, you can now sift through and apply for the best credit card offers now available online with just a few clicks. With the allure of the best bonus credit cards and the promise of lucrative rewards, 2023 is shaping to be a fantastic year for savvy consumers.

How to Choose the Right Rewards Credit Card for You

The market is flooded with attractive offers, so how do you select the perfect fit?

Promotions and Introductory Offers: Always look for the best credit card intro offers. These introductory bonuses can provide a substantial boost to your rewards early on.

Reward Structures: While the best credit card signup bonus is appealing, it's essential to consider the ongoing rewards structure. Does it align with your spending habits?

Card Benefits: Beyond just rewards, some cards come with additional perks like travel insurance, concierge services, or exclusive access to events.

It's not just about the rewards; it's about the entire package. Think about what you value the most and let that guide your decision.

Rewards Credit Cards 101

As you dive into the dynamic world of rewards credit cards, here are the basics to keep in mind:

Sign-up Bonuses: Many cards come with a sign-up bonus as part of their credit card promotions. Meet the specified spending threshold to unlock these bonuses.

Earning Mechanism: Rewards credit cards typically offer points, miles, or cash back for every dollar spent. Understanding the earning rate and categories is crucial.

Redemption Options: While accumulating rewards is great, how you redeem them can vary. Some cards allow travel bookings, while others offer gift cards, merchandise, or statement credits.

FAQs


What are the best credit card promotions of 2024?

The best credit card promotions can vary based on personal preferences. It's essential to keep an eye out for the best credit card intro offers and bonuses as they frequently change.

How do I qualify for the best credit card signup bonus?

Qualifying typically involves meeting a specified spending requirement within a period after account opening. Ensure you read the terms and conditions carefully.

Can I apply for multiple rewards credit cards to benefit from multiple bonuses?

While tempting, applying for multiple credit card bonus offers in a short span can impact your credit score. It's essential to space out applications and consider the long-term implications.

In the race to offer the best credit card bonus, issuers are presenting more lucrative deals than ever. With a little research and careful consideration, you can maximize your benefits and enjoy the rewards of your spending.


Disclosures

Bank of America

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


The Platinum Card® from American Express

¤ See Rates and Fees