Navigating the world of credit cards can be daunting with so many options available. To help you choose the best card for your needs, here’s a detailed review of the top credit cards for 2024, categorized by their best uses and benefits.
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Best No-Annual-Fee Credit Cards
1. Blue Cash Everyday® Card from American Express
- Best For: Everyday Expenses
- Rewards: Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% at U.S. gas stations and select U.S. department stores, and 1% on other purchases.
- Pros: No annual fee, generous rewards for everyday spending, 0% intro APR on purchases and balance transfers for 15 months.
2. Capital One SavorOne Cash Rewards Credit Card
- Best For: Dining and Entertainment
- Rewards: 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), 1% on all other purchases.
- Pros: No annual fee, high cash back rates on popular spending categories, no foreign transaction fees.
3. Chase Freedom Unlimited®
- Best For: Insurance Coverage and Bonus Categories
- Rewards: Earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
- Pros: No annual fee, generous cash back rates, 0% intro APR on purchases and balance transfers for 15 months.
Best Low-Annual-Fee Credit Cards
1. Blue Cash Preferred® Card from American Express
- Best For: Groceries and Gas
- Rewards: Earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, and 1% on other purchases.
- Annual Fee: $95
- Pros: High rewards rates on everyday categories, extensive coverage of streaming services, transit, and gas.
2. Chase Sapphire Preferred® Card
- Best For: Travel
- Rewards: Earn 2x points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
- Annual Fee: $95
- Pros: High rewards on travel and dining, valuable sign-up bonus, access to Chase Ultimate Rewards® for flexible point redemption.
3. Ink Business Preferred® Credit Card
- Best For: Business Expenses
- Rewards: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, 1 point per $1 on all other purchases.
- Annual Fee: $95
- Pros: High rewards on business expenses, flexible redemption options, strong sign-up bonus.
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Best Premium Credit Cards
1. American Express® Gold Card
- Best For: Foodies
- Rewards: Earn 4x Membership Rewards® points at restaurants, including takeout and delivery in the U.S., 4x points at U.S. supermarkets (up to $25,000 per year, then 1x), 3x points on flights booked directly with airlines or on amextravel.com.
- Annual Fee: $250
- Pros: High rewards rates on dining and groceries, valuable Membership Rewards® points, extensive travel benefits.
2. Chase Sapphire Reserve®
- Best For: Travel
- Rewards: Earn 3x points on travel immediately after earning your $300 travel credit, 3x points on dining, and 1 point per dollar on all other purchases.
- Annual Fee: $550
- Pros: Extensive travel benefits, including a $300 annual travel credit, access to airport lounges, high rewards rates on travel and dining.
3. The Platinum Card® from American Express
- Best For: Luxury Travel
- Rewards: Earn 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel, 5x points on prepaid hotels booked on amextravel.com.
- Annual Fee: $695
- Pros: Premium travel benefits including access to the Global Lounge Collection, substantial rewards on travel, various travel credits and perks.
Conclusion
Choosing the right credit card depends on your spending habits, travel frequency, and personal preferences. Whether you are looking for a card with no annual fee, low annual fee, or premium benefits, the options listed above are among the best for 2024. Evaluate the rewards, benefits, and fees to find the card
