Best Credit Cards RIGHT NOW – April 2024

What are the best credit cards for cashback, travel, etc.?

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Best Cash Back Credit Cards

card_name – Why We Like It: The Blue Cash Everyday® Card from American Express is one of the best rewards credit card for grocery purchases with no annual fee, plus a rare 3% reward for general online purchases.

EARN:

3% cash back on groceries 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 in purchases (then 1%)
3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
1% cash back on other purchases.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: bonus_miles_full card_name. American Express is a ProudMoney advertiser.

card_name – Why We Like It: The Chase Freedom Unlimited offers generous cash-back on everyday categories, and a nice “catch all” reward rate on other purchases, with no annual fee.

EARN:

5% on travel purchased through Chase Travel℠
3% on dining at restaurants (including takeout and eligible delivery services)
3% on drugstore purchases
and 1.5% on all other purchases.

INTRO OFFER FOR NEW CARDHOLDERS: bonus_miles_full 👀

card_name – Why We Like It: Capital One’s SavorOne offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee. (No foreign transaction fees, either, perfect when traveling outside of the United States!)

EARN:

3% cash back on dining
3% on entertainment
3% on popular streaming services
3% at grocery stores (excluding superstores like Walmart® and Target®)
5% on hotels and car rentals booked through Capital One Travel
1% on all other purchases.

EARLY SPEND BONUS: bonus_miles_full.

More Cash Back Credit Cards

Best Travel Credit Cards

Travel credit cards are difficult to rank because travelers have different needs in terms of budget, frequency of travel, perks desired, etc. Think about your needs/wants as you consider these cards:

card_name – Why We Like It: Good everyday rewards, yearly 10% points bonus, big new cardholder bonus opportunity, up to $50 yearly hotel credit, and a cornerstone of the “Chase Trifecta.”

EARN:

5 points per dollar spent on travel purchased through Chase Travel (excluding hotel purchases that qualify for the card’s $50 Annual Hotel Credit)
2x points on other travel purchases
3x points on dining, including eligible delivery services, takeout and dining out
3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs)
3x points on select streaming services
1 point per dollar on all other purchases.

Hotel Credit: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

Chase Trifecta: Use the Chase Sapphire Preferred as the foundation of a larger strategy to obtain multiple Chase cards and combine points to redeem at a 25% premium through Chase’s travel booking site or to get access to…

Chase Travel Transfer Partners: Transfer points into the loyalty programs of major travel providers including United, Southwest, Hyatt, Marriott and more.

NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full

10% Rewards Bonus: Each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year. (For example, if you spend $20,000 on purchases, you’d earn 2,000 bonus points.)

Annual Fee: annual_fees.

card_name – Why We Like It: Offers the desirable features of more expensive travel cards, but the Capital One Venture X strips away the fluff to keep the annual fee reasonable.

That annual fee is annual_fees, but it’s not difficult to justify once you see the many places where you gain value from the card.

First, you can get up to $300 in travel credits each year when you book travel through the Capital One Travel platform.

And then you’ll get value from potential bonuses. There’s the Early Spend Bonus (bonus_miles_full.)

And then the Anniversary Miles Bonus that kicks in starting on your first anniversary of having the card — that’s 10,000 bonus miles (equal to $100 towards travel).

In terms of rewards on everyday purchases, earn unlimited 10 miles per dollar in purchases on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases.

And don’t forget airport lounge access through the Priority Pass network & the new Capital One Lounges, plus quite a bit more.

card_name – Why We Like It – The American Express Gold is great if you want travel rewards but you don’t necessarily have a lot of travel purchases. That’s because you can earn generous points in the Membership Rewards® program on everyday spending, and you can redeem those points for great travel experiences.

Now, with a annual_fees annual fee, you’ll also need to take advantage of some of the other card perks and credits to make this a truly great value:

EARN:

4x points at restaurants worldwide, plus takeout and delivery in the U.S.
4x points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
3x points on flights booked directly with airlines or on AmexTravel.com.
1x points on other eligible purchases.

BENEFITS AND CREDITS INCLUDE:

$120 Uber Cash – Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. Use for Uber rides or Uber Eats in the U.S.; note that the monthly $10 does not roll over to the following month if you don’t use it all in a particular month.
$120 Dining Credit – Enroll and earn up to $10 in statement credits monthly when you pay with the Gold Card at participating partners (including Grubhub, Cheesecake Factory, more). This can be an annual savings of up to $120; note that the monthly $10 doesn’t roll over if not completely used in a particular month.

New Cardholder Bonus Opportunity: bonus_miles_full card_name. American Express is a ProudMoney advertiser.

card_name – Why We Like It: The American Express Platinum offers rewards and perks galore for the frequent traveler who wouldn’t mind a little VIP treatment. Be sure to examine all those perks closely, because there’s a LOT there!

EARN:

5x points on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year)
5x points on prepaid hotels booked on AmexTravel.com
1x points on other purchases

NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full

THE GLOBAL LOUNGE COLLECTION: Probably the best, most extensive airport lounge network of all the luxury travel cards, with complimentary access to over 1,400 airport lounges across 140 countries, including American Express’ Centurion Lounges, Delta Sky Club, Lufthansa Lounge, Priority Pass Select, and more.

BENEFITS AND CREDITS INCLUDE:

$200 Uber Cash – Add your The Platinum Card to your Uber account, and you’ll automatically get $15 in Uber Cash each month (plus a bonus $20 in December), for a total of up to $200 per year. Use for Uber rides or Uber Eats in the U.S.; note that the monthly Cash does not roll over to the following month if you don’t use it all in a particular month.
$200 Airline Fee Credit – Get up to $200 per year in statement credits after incidental fees are charged by your one selected, qualifying airline to your card.
$200 Hotel Credit – Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings when paid with the card.
$189 CLEAR Plus Credit – Up to $189 per calendar year in credits when you pay for this airport security membership with your Platinum Card.
More: TSA PreCheck or Global Entry Credit, Gold Elite Marriott Status, Gold Hilton Status, Car Rental Privileges, Trip Delay or Trip Cancellation Insurance, Digital Entertainment Credit, Walmart+ Credit, Saks Fifth Avenue Credit, Equinox Credit. (Check American Express site for full details.)

annual_fees annual fee. card_name American Express is a ProudMoney advertiser.

More Travel Credit Cards

Best Business Credit Cards

card_name – Why We Like It: Chase’s Ink Business Preferred offers a ton of rewards in common business categories, plus you get access to Chase’s valuable travel transfer partners or enjoy a 25% boost on the value of points when you redeem through the Chase Travel portal. And don’t forget a hefty bonus opportunity for new cardholders.

EARN: 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

Shipping purchases
Advertising purchases made with social media sites and search engines
Internet, cable and phone services
Travel.

You’ll earn 1 Point Per $1 on all other purchases. Annual fee: annual_fees.

NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full

card_name – Why We Like It: Blue Business Plus offers generous, simple-to-understand rewards with no annual fee. Great if you’re already earning Membership Rewards® points with other American Express credit cards.

Your business earns: 2X Points on eligible business purchases, on up to $50,000 in spending per calendar year. (Eligible purchases are purchases for goods and services minus returns and other credits.) Your business then earns 1X Points on other eligible purchases after the first $50K spent with the card.

Points can be redeemed within the popular Membership Rewards program toward a variety of travel rewards as well as other options.

New Cardholder Welcome Bonus Opportunity: bonus_miles_full card_name. American Express is a ProudMoney advertiser.

card_name – Why We Like It: Chase’s Ink Business Cash offers high reward opportunities (as high as 5%) on common small business categories, a big new cardholder bonus opportunity, and no annual fee.

EARN:

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% cash back on all other purchases.

NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full

card_name – Why We Like It: American Express’ Blue Business Cash offers generous, simple CASH BACK rewards formula with no annual fee. Choose this if you want great rewards without having to think too hard about those rewards while you’ve got your mind on your business.

Your business earns:

2% Cash Back on eligible business purchases up to $50,000 per calendar year, automatically credited to your statement. (Eligible purchases are purchases for goods and services minus returns and other credits.)
1% cash back on other eligible purchases after the first $50K spent on your Card, automatically credited to your statement.

New Cardholder Welcome Bonus Opportunity: bonus_miles_full card_name. American Express is a ProudMoney advertiser.

More Business Credit Cards

Best Cards in Other Categories/Credit History

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Author: Adam Jusko