Best Credit Cards with Rewards and Cash Back for 2024

In 2024, credit cards with rewards and cash-back offers have become more competitive, offering consumers a variety of ways to maximize their spending with perks like points, miles, and direct cash back. Here is a detailed look at some of the best options available, considering factors like rewards categories, annual fees, introductory offers, and other benefits.

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1. Chase Sapphire Preferred® Card

Rewards Structure: Earn 5x points on travel purchased through Chase Ultimate Rewards, 2x points on all other travel, 3x points on dining, streaming services, and online grocery purchases, and 1x point on everything else.
Sign-Up Bonus: 60,000 bonus points after spending $4,000 in the first three months, which is worth around $750 when redeemed for travel through Chase Ultimate Rewards.
Annual Fee: $95
Perks: Points are flexible and transferable to major airline and hotel loyalty programs, making this a top choice for travelers. It also includes trip cancellation insurance and purchase protection.
Best For: Those who travel frequently and want versatile points with an array of redemption options.

2. Capital One Venture Rewards Credit Card

Rewards Structure: Earn unlimited 2x miles on every purchase, plus 5x miles on hotels and rental cars booked through Capital One Travel.
Sign-Up Bonus: 75,000 miles after spending $4,000 within the first three months, worth around $750 in travel.
Annual Fee: $95
Perks: Includes TSA PreCheck or Global Entry fee credit, and access to airport lounges through Capital One Lounges and the Partner Lounge Network.
Best For: Travelers who want an easy-to-use flat-rate travel rewards card.

3. Blue Cash Preferred® Card from American Express

Rewards Structure: 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, and 1% on other purchases.
Sign-Up Bonus: $250 cash back after spending $3,000 in purchases within the first six months.
Annual Fee: $0 introductory annual fee for the first year, then $95
Perks: Great for families who spend heavily on groceries and streaming. Also includes Amex Offers, which provides additional ways to save on shopping, dining, and more.
Best For: Households with high grocery and streaming expenses.

4. Citi® Double Cash Card

Rewards Structure: 2% cash back on every purchase — 1% when you buy and 1% when you pay off the purchase.
Sign-Up Bonus: None, but the simplicity and lack of spending categories make up for it.
Annual Fee: $0
Perks: No rotating categories or limits to worry about. Earn straightforward cash back on every purchase.
Best For: Those who prefer a simple, no-nonsense cash-back structure without annual fees.

5. Wells Fargo Active Cash® Card

Rewards Structure: 2% unlimited cash back on purchases.
Sign-Up Bonus: $200 after spending $1,000 in purchases in the first three months.
Annual Fee: $0
Perks: Includes cell phone protection when you pay your monthly bill with the card and offers access to Visa Signature Concierge for travel and dining.
Best For: Those looking for a no-fee, high cash-back rate on all spending.

6. American Express® Gold Card

Rewards Structure: 4x points at restaurants, including takeout and delivery, 4x points at U.S. supermarkets (up to $25,000 per year), 3x points on flights booked directly with airlines or through Amex Travel, and 1x on other purchases.
Sign-Up Bonus: 60,000 points after spending $4,000 in the first six months.
Annual Fee: $250
Perks: Includes $120 dining credit ($10 per month) for select services, like Grubhub and The Cheesecake Factory, and up to $100 airline fee credit.
Best For: Foodies and travelers who spend significantly on dining and groceries and prefer rewards over cash back.

7. Discover it® Cash Back

Rewards Structure: Earn 5% cash back on rotating categories each quarter (up to $1,500 in purchases, requires activation) and 1% on all other purchases.
Sign-Up Bonus: Discover will match all cash back earned at the end of the first year for new cardholders.
Annual Fee: $0
Perks: The first-year cash-back match is a big perk, especially for those who can maximize quarterly categories.
Best For: Those who are strategic with spending and can take advantage of the rotating categories.

8. Bank of America® Customized Cash Rewards Credit Card

Rewards Structure: Earn 3% cash back in a category of your choice (such as gas, online shopping, dining, travel, drug stores, or home improvement/furnishings), 2% at grocery stores and wholesale clubs (up to $2,500 per quarter combined), and 1% on everything else.
Sign-Up Bonus: $200 after making at least $1,000 in purchases in the first 90 days.
Annual Fee: $0
Perks: Offers flexibility in choosing your 3% category, which can be beneficial for people with specific high-spending areas.
Best For: Bank of America customers, as it offers even higher cash-back potential for those with a BofA checking account and qualifying balances.

9. U.S. Bank Altitude® Go Visa Signature® Card

Rewards Structure: Earn 4x points on dining (including takeout and delivery), 2x points on grocery stores, grocery delivery, gas stations, and streaming services, and 1x point on all other purchases.
Sign-Up Bonus: 20,000 points (worth $200) after spending $1,000 within the first 90 days.
Annual Fee: $0
Perks: Offers an annual $15 streaming credit after 11 months of streaming purchases, making it ideal for those who spend on popular streaming services.
Best For: Those who dine out frequently and value streaming service credits.

10. Amazon Prime Rewards Visa Signature Card

Rewards Structure: 5% back on Amazon.com and Whole Foods Market for Prime members, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
Sign-Up Bonus: $150 Amazon gift card upon approval for Prime members.
Annual Fee: No annual fee, but requires an Amazon Prime membership.
Perks: Perfect for Amazon and Whole Foods shoppers; includes travel and purchase protections.
Best For: Frequent Amazon shoppers and Prime members who want to maximize their online spending rewards.

Each of these credit cards offers distinct benefits, so the best choice depends on your spending habits and lifestyle. Frequent travelers may benefit more from travel-focused rewards, while everyday spenders might prefer straightforward cash-back options with minimal fees.

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