Best rewards credit cards of 2024

Make the most of your spending with a rewards card. Get matched to credit cards from our partners based on your unique credit profile.

Earn rewards for your spending

You can get rewards like points, cash back and miles on your purchases.

Travel for less

Save money for your next trip like discounts on flights or hotels.

Maximize your perks

You can pair multiple cards to earn the most rewards.

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All reward credit card offers

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AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

35.99%* Variable

Annual Fee:

$39*

Annual percentage rate (APR)

The APR on credit cards is simply the interest rate the card issuer charges when you don't pay off your balance in full each month—it doesn't include the card's annual fees or other fees you may be charged for using your card. There are several types of APR that can apply to credit cards.

Intro bonus

A credit card intro bonus, also called a welcome bonus, is a benefit that credit card issuers offer new cardholders when they're approved for the new card. While some intro bonuses offer automatic rewards upon approval, most require you to spend a certain amount on eligible purchases in a given timeframe to qualify. Look for cards with a high intro bonus and a low spending requirement.

Rewards

You can earn rewards like cash back, points or miles. Look for cards that offer around 2 points or miles (or 2% cash back) on everyday spending. Many rewards cards have special categories such as gas, groceries, dining or travel that earn rewards at a higher rate—3x to 6x. Look for rewards that match up where you spend the most.

Annual fee

Some credit cards have an annual fee you'll pay when you first receive the card and at each cardholder anniversary. Take the cost of an annual fee into account when considering which options will benefit you the most over the course of a year.

Credit One Bank American Express® Unlimited Rewards Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

One Key+™ Card logo.

One Key+™ Card

Intro bonus:

Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.

Rewards:

2x-3x (Points per dollar)

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Annual Fee:

$99

Discover it® Cash Back

Intro APR:

0% Intro APR on Purchases and Balance Transfers for 15 months

Ongoing APR:

18.24% - 28.24% Variable APR

Rewards:

1%-5% (cash back)

Annual Fee:

$0

Capital One VentureOne Rewards for Good Credit

Intro bonus:

N/A

Rewards:

1.25x-5x (Miles per dollar)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$0

One Key+™ Card logo.

One Key+™ Card

Intro bonus:

Earn $600 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.

Rewards:

2x-3x (Points per dollar)

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Annual Fee:

$99

Delta SkyMiles® Blue American Express Card

Intro bonus:

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Capital One Quicksilver Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.5%-5% (cash back)

Annual Fee:

$0

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Hilton Honors American Express Card

Intro bonus:

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-7x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0

Wells Fargo Active Cash® Card logo.

Wells Fargo Active Cash® Card

Intro APR:

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Rewards:

2% (Cash Rewards)

Annual Fee:

$0

Capital One Venture Rewards Credit Card

Intro bonus:

Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel

Rewards:

2x-5x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$95

Citi Double Cash® Card

Intro APR:

0% for 18 months on Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

2% (cash back)

Annual Fee:

$0

GO REWARDS® Credit Card logo.

GO REWARDS® Credit Card

Intro bonus:

N/A*

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

9.99% - 18% Variable

Annual Fee:

$0

Credit One Bank American Express® Credit Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$39

Credit One Bank American Express® Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Capital One VentureOne Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1.25x-5x (Miles per dollar)

Annual Fee:

$0

AT&T Points Plus® Card from Citi

Intro bonus:

Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

N/A

Citi Custom Cash® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

19.24% - 29.24% (Variable)

Rewards:

1%-5% (cash back)

Annual Fee:

$0

The Platinum Card® from American Express

Intro 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.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

See Pay Over Time APR

Annual Fee:

$695

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Intro bonus:

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Rewards:

2x (Miles per dollar)

Ongoing APR:

21.24% - 29.99% (Variable)

Annual Fee:

$99, waived for first 12 months

Credit One Bank® Secured Card

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$0

Costco Anywhere Visa® Card by Citi logo.

Costco Anywhere Visa® Card by Citi

Intro bonus:

N/A*

Rewards:

1%-4% (cash back)

Ongoing APR:

20.49% (Variable)

Annual Fee:

$0

Credit One Bank Wander® Card

Intro bonus:

N/A

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

29.74% Variable

Annual Fee:

$95

Chase Sapphire Preferred® Card

Intro bonus:

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®.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

21.49% - 28.49% Variable

Annual Fee:

$95

Delta SkyMiles® Gold American Express Card

Intro bonus:

Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$0 introductory annual fee for the first year, then $150

Marriott Bonvoy Bevy™ American Express® Card logo.

Marriott Bonvoy Bevy™ American Express® Card

Intro bonus:

Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$250

cashRewards Credit Card logo.

cashRewards Credit Card

Intro bonus:

N/A*

Rewards:

1.5% (cash back)

Ongoing APR:

10.65% - 18% Variable

Annual Fee:

$0

Wells Fargo Autograph Journey℠ Card logo.

Wells Fargo Autograph Journey℠ Card

Intro bonus:

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Rewards:

1x-5x (Points per dollar)

Ongoing APR:

21.24%, 26.24%, or 29.99% Variable APR

Annual Fee:

$95

American Airlines AAdvantage® MileUp® Card

Intro bonus:

Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening

Rewards:

1x-2x (Miles per dollar)

Ongoing APR:

21.24% - 29.99% (Variable)

Annual Fee:

$0

Marriott Bonvoy Brilliant® American Express® Card

Intro bonus:

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

Rewards:

2x-6x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

One Key™ Card logo.

One Key™ Card

Intro bonus:

Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.

Rewards:

1.5x-3x (Points per dollar)

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Annual Fee:

$0

Discover it® Chrome

Intro APR:

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Ongoing APR:

18.24% - 28.24% Variable APR

Rewards:

1%-2% (cash back)

Annual Fee:

$0

Delta SkyMiles® Platinum American Express Card

Intro bonus:

Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$350

Chase Sapphire Reserve®

Intro bonus:

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 Ultimate Rewards®

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

22.49% - 29.49% Variable

Annual Fee:

$550

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

35.99%* Variable

Annual Fee:

$75*

Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit

Intro bonus:

N/A*

Rewards:

1% (cash back)

Ongoing APR:

29.74% Variable

Annual Fee:

$75 First year. $99 thereafter, billed monthly at $8.25

Capital One QuicksilverOne Cash Rewards Credit Card

Intro bonus:

N/A*

Rewards:

1.5%-5% (cash back)

Ongoing APR:

29.99% (Variable)

Annual Fee:

$39

Hilton Honors American Express Surpass® Card

Intro bonus:

Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.

Rewards:

3x-12x (Points per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$150

One Key™ Card logo.

One Key™ Card

Intro bonus:

Earn $400 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.

Rewards:

1.5x-3x (Points per dollar)

Ongoing APR:

XX.XX%, XX.XX%, or XX.XX% Variable APR

Annual Fee:

$0

Citi Strata Premier℠ Card

Intro bonus:

Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com

Rewards:

1x-10x (Points per dollar)

Ongoing APR:

21.24% - 29.24% (Variable)

Annual Fee:

$95

Capital One Venture X Rewards Credit Card

Intro bonus:

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

Rewards:

2x-10x (Miles per dollar)

Ongoing APR:

19.99% - 29.99% (Variable)

Annual Fee:

$395

Blue Cash Everyday® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-3% (cash back)

Annual Fee:

$0

AvantCard logo.

AvantCard

Intro bonus:

N/A*

Rewards:

2% (cash back)

Ongoing APR:

29.74%* Variable

Annual Fee:

$0*

Wells Fargo Autograph℠ Card

Intro bonus:

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

1x-3x (Points per dollar)

Ongoing APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Capital One SavorOne Cash Rewards Credit Card

Intro APR:

0% on Purchases and Balance Transfers for 15 months

Ongoing APR:

19.99% - 29.99% (Variable)

Rewards:

1%-8% (cash back)

Annual Fee:

$0

Delta SkyMiles® Reserve American Express Card

Intro bonus:

Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Rewards:

1x-3x (Miles per dollar)

Ongoing APR:

20.99%-29.99% Variable

Annual Fee:

$650

Blue Cash Preferred® Card from American Express

Intro APR:

0% on Purchases and Balance Transfers for 12 months

Ongoing APR:

19.24%-29.99% Variable

Rewards:

1%-6% (cash back)

Annual Fee:

$0 intro annual fee for the first year, then $95

Citi Rewards+® Card

Intro APR:

0% for 15 months on Purchases and Balance Transfers

Ongoing APR:

18.74% - 28.74% (Variable)

Rewards:

1x-2x (Points per dollar)

Annual Fee:

$0

Discover it® Miles

Intro APR:

0% Intro APR on Purchases and Balance Transfers for 15 months

Ongoing APR:

18.24% - 28.24% Variable APR

Rewards:

1.5x (Miles per dollar)

Annual Fee:

$0

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

How to find the best rewards credit card

1

Figure out which rewards work for you

Decide if you want to earn cash back, points or miles and find the card the fits your spending habits.

2

Look for intro bonuses

Many rewards credit cards offer an intro bonus when you’re approved.

3

Be aware of annual fees

Consider annual fees and figure out if the rewards you receive would outweigh the cost of the annual fee.

4

Pay zero interest

A 0% intro APR could help you pay off debt with a balance transfer or make a large purchase without paying interest.

Start with your FICO® ScoreΘ and see card offers matched to your credit profile.

Get started for free

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Frequently asked questions

Rewards credit cards offer cash back, points or miles when you make eligible purchases. In some cases, you'll also earn rewards through an intro bonus. Most cards will require you to spend a certain amount before you get the bonus rewards. But in some cases, you simply need to make one purchase to qualify. Just make sure you pay off the purchase quickly so you don't end up paying a lot in interest just to get the bonus.

Redeeming rewards can vary from card to card, but generally include these options:

  • Deposit into your bank account
  • Statement credit
  • Travel, like flights and hotel stays
  • Gift cards
  • Charitable donations
  • Merchandise

In general, you need a good to excellent credit score to get a rewards credit card. The exact credit score you need for a rewards credit card varies based on the credit card issuer's requirements. There are rewards cards geared toward applicants with bad credit, fair credit, good credit and excellent credit. The higher your credit score, the better rewards card you'll qualify for, which means you'll benefit from a better rewards program.

The rewards you earn with your credit card generally doesn't expire while your account remains open. However if you close your card, you will likely forfeit any rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it depends on the card issuer's rules and card's terms.

Generally, there is no limit to how many points, miles or cash back you can earn. Although, some cards may limit how much spending is eligible for certain bonus categories. For example, if your rewards credit card receives 5% cash back on dining purchases up to $1,500 a quarter, then you will get 5% back until you spend $1,500 and everything after that will earn rewards at your base rate, which is generally 1%.

Most rewards cards don't allow you to transfer your rewards to someone else. However, you may be able to indirectly gift your credit card rewards. Some rewards programs allow you to convert your rewards into airline miles or hotel points. Afterwards, you can transfer them to someone else.

If you're looking for a way to rack up as much as possible in rewards, here are some tips to help you out:

  • Earn points fast with welcome bonuses.
  • Use your card for everything you reasonably can—as long as you can pay off the balance each month.
  • Get multiple credit cards that complement each other's rewards rates based on your spending habits.
  • Pay your bills on time and in full every month to avoid interest charges and dings to your credit score.
  • If you're earning travel rewards, make sure you understand all of your redemption options so you don't leave money on the table.

In addition to cash back, points or miles, many credit cards also offer insurance protection and other credit card benefits that can provide a lot of value. Some of the more basic perks include:

  • Rental car insurance
  • Purchase protection
  • Extended warranty coverage
  • Travel insurance
  • Cellphone protection

With some travel cards, you may also get things like:

  • Global Entry or TSA Precheck application fee credits
  • Credits for travel purchases
  • Complimentary airport lounge access
  • Trip cancellation or interruption insurance
  • Lost luggage reimbursement and delayed baggage insurance

As you compare cards, look beyond the rewards to ensure you're getting the most value based on how you plan to use your new card.

Learn about credit cards