When choosing the finest credit card for you, there are many factors to take into account. Since many credit cards provide a variety of benefits, including additional security features, cash back, and rewards for regular purchases, they are a wise choice. No single credit card is also the perfect choice for every family, purchase, or spending limit. The greatest credit cards for your wallet can be difficult to choose from the wide variety available. Keeping that in mind, we have compiled a list of the 15 best credit cards in the US for 2024. This list will undoubtedly come in handy whether it’s for regular purchases, company expenses, luxury spending, or anything else.
The credit card offers an unequaled 6% cash back on purchases at the majority of American supermarkets and qualified streaming services (Netflix, Hulu, and Disney+), which is more than twice what most cards offer. Additionally, the card offers 3% cash back on domestic gas purchases as well as other transit-related costs including tolls, parking, taxis, trains, and more. You can also buy protection, renew your warranty, and get insurance for your vehicle at the same time. All this makes it one of the best credit cards in the US.
With 2.5% on all purchases up to the initial $10,000 spent per billing cycle and 1.5% beyond that, Alliant boasts one of the best cash-back rates available. The hitch is that you have to meet the requirements for Tier One customers. The bare daily average balance for a cardholder’s Alliant High-Rate Checking accounts must be $1,000 in order to qualify for this. Along with additional safety features, the card provides longer warranties, collision coverage for rental cars, and reimbursement for expenses related to recovering from identity theft.
Business owners can use this credit card as a wonderful approach to earn reimbursement for their running costs. For the first $150,000 spent on every anniversary year on shipping, online marketing, internet, phone bills, and travel, cardholders receive 3x points. Additionally, points are valued 1.25x when used for travel with Chase Ultimate Rewards, making 100 points worth $1.25 as opposed to simply $1. The credit card provides practical travel benefits in addition to rewards and redemption bonuses.
In comparison to top competitor secured cards, this credit card gives greater perks and a bigger spending limit. It is also more widely recognized due to its Visa network. The benefits, however, are what really set this card apart. You can choose from options like online shopping, restaurants, vacations, drug stores, or home improvement/furniture to get 3% back on purchases. These categories can be changed each month. Additionally, you receive 2% back on consumables and wholesale club purchases.
American Express rewards you no matter if you go out or stay in by offering you 4x points for dining out, for delivery and takeaway within the United States, and for grocery shopping up to $25,000 annually, with 1x points after that. A $120 annual bill credit is also available if you dine at certain American Express-partnered restaurants. In addition, it provides additional well-known advantages including access to pre-sales at specific events, insurance for luggage and rental cars, and purchase protection.
For those who travel frequently and invest sufficiently to get the best value out of the card, the card’s extensive list of points and bonuses nearly makes up for its expensive annual fee. This metal card stands out for its extensive selection of credit lines and extra perks, in spite of delivering 1x for each dollar spent on standard transactions and 5x for each dollar spent on travel and hotel reservations made via American Express Travel. It’s definitely one of the best credit cards in the US.
Despite having a hefty annual charge, the card can significantly improve and reduce the cost of your travels. Additionally, you receive 3x at all restaurants, including takeout and qualified delivery services. The ability to redeem all of those points at a greater rate when purchasing future airline tickets is another fantastic perk. Along with other perks like access to companies like Lyft, Instacart, and DoorDash, Chase additionally offers a credit of up to $100 every 4 years to cover TSA PreCheck, NEXUS, or Global Entry expenses.
This card provides a variety of travel-related perks. First, it offers 5x points on travel reservations made through Chase Ultimate Rewards, and it doubles those points’ value when they are used for that same site. Additional benefits include a yearly $50 statement credit for hotel spending and a 10% bonus point on each anniversary of your account. One of the card’s standout features is the traveler’s insurance it provides. There are several types of insurance, including reimbursement for trips, luggage delay insurance, and airline cancellation and delay insurance.
With 4 miles for every dollar earned on United purchases, United’s premium card offering ups the ante. The card is further discounted thanks to a variety of travel benefits, including a United Club membership that is more valuable than the annual cost. After making qualifying purchases, you can receive first and second checked baggage, saving up to $320 per roundtrip (conditions apply), and Premier Access travel services, all while earning 80,000 bonus points.
The credit card is a great option for most travelers because it is straightforward and offers good benefits. Because there are no extra categories to remember and you earn 2 miles for every $1 spent, this card is perfect for people who lead busy lifestyles. This flexible rewards card offers a respectable 75,000-mile sign-up bonus, which TPG values at $1,388. You won’t need to worry about learning bonus categories because you will get 2 miles for every dollar spent.
With the substantial $900 cash-back sign-up offer from The Ink Business Limitless, you may get limitless 1.5% cash back on any business transactions in the initial three months after you start your account. Although not every individual is qualified for using this card for companies, you are eligible for it if your credit rating is “good to excellent” and is 670 or above.
With a wide range of partner airlines and respectable earning rates, the Citi Premier is a great option for a travel card. The card is a wonderful option for first-time cardholders who want a streamlined point system because it earns the same number of points at petrol stations, restaurants, supermarkets, airlines, and hotels. When making a reservation through the Citi Travel web, you can earn 10 points for every $1 you spend on lodging, rental cars, and attractions (but not on airfare). For every dollar spent at a restaurant, a store, a petrol station, an airport, or another hotel, you can earn points.
If you’re looking for a simple cash back card, this is a good choice. To redeem your benefits, there are various ways that provide more freedom. Along with its reputation as one of the best 0% APR credit cards available, Quicksilver’s straightforward earning structure could be alluring. It is even better because you can turn the cash back you receive from it into miles that can be traded with over 15 partner airlines and three hotel transfer partners.
For first-time cardholders seeking for a strong rewards structure and no yearly fee, the Capital One SavorOne is a fantastic cash-back credit card. It’s uncommon for a card to hit all three of the high-value bonus categories—dining, entertainment, and groceries. In addition to 1% on every other transaction, it provides limitless 3% cash back on restaurants, entertainment, big streaming sites, and grocery stores (but not on purchases made at retail establishments like Walmart and Target).
The Card offers a simple, significant flat-rate return on spending that is unrestricted, with no tiers or spending limits to remember, as well as a low introductory APR offer on transactions and balance transfers. After making $500 worth of purchases in the first three months, you’ll receive a $200 cash rewards bonus in addition to 2% cash back on your purchases. With Visa Signature Concierge, you can furthermore make use of a luxurious range of advantages at a number of the most exciting and defined hotel chains worldwide.
Those were the 15 best credit cards in the US. Now that you’ve reached your conclusion, how should you choose the best card for you? Look over the following list of credit cards offered by various issuers, and then contrast them based on how well they serve their intended use to see how they stack up against one another.
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