Best of 2024
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Venture Rewards Credit Card
See rates and fees
Rewards rate
1.25 miles per dollar on every purchase.
5 miles per dollar on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee.
Earn 1.25 miles per dollar on every purchase and 5 miles per dollar on bookings through Capital One Travel.
0% intro APR for 15 months on purchases and balance transfers.
No foreign transaction fees.
Lower rewards rate compared to some other travel cards (1.25 miles per dollar).
High variable APR after the intro period (19.99% – 29.99%).
Bonus miles offer is modest compared to some premium cards.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One VentureOne Rewards Credit Card is a travel card for those seeking simplicity and no annual fee. Earn 1.25 miles on everything, 5 miles on hotels and rental cars booked through Capital One Travel, and a 20,000-mile bonus (after spending $500 in 3 months). Enjoy a 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees. While the rewards rate is lower than some premium cards, this one’s ideal for occasional travelers who prioritize affordability.
Capital One Quicksilver Cash Rewards Credit Card
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee.
Unlimited 1.5% cash back on all purchases.
$200 cash bonus intro offer.
0% intro APR on purchases and balance transfers for 15 months.
No foreign transaction fees.
High variable APR after the intro period.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One Quicksilver Cash Rewards Credit Card is ideal for those seeking simple cash back. Earn unlimited 1.5% back on everything, plus a $200 bonus after spending $500 within 3 months. Enjoy no annual fee, a 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees. While the APR is variable after the intro period, this card offers straightforward rewards for everyday spending.
Delta SkyMiles Gold American Express Card
Rewards rate
2X Miles on dining at restaurants, including takeout and delivery in the U.S.
2X Miles at U.S. supermarkets.
2X Miles on Delta purchases made directly with Delta.
1X Miles on all other eligible purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
Generous intro offer of 70,000 bonus miles.
2X Miles on dining, groceries, and Delta purchases.
First checked bag free on Delta flights.
$200 Delta Flight Credit after spending $10,000 in a calendar year.
No foreign transaction fees.
$150 annual fee after the first year.
High APR for purchases.
Card Details
The Delta SkyMiles® Gold American Express Card maximizes rewards for Delta flyers. Earn 2X miles on dining, groceries, and Delta purchases, plus a generous welcome bonus. Enjoy a free first checked bag, priority boarding, a $200 Delta Flight Credit (after $10,000 annual spend), and no foreign transaction fees. While there’s a $150 annual fee after the first year, this card is ideal for those seeking Delta-specific travel perks and rewards.
Blue Cash Preferred Card from American Express
Rewards rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back on transit, including taxis, rideshare, parking, tolls, trains, buses, and more.
3% Cash Back at U.S. gas stations.
1% Cash Back on other purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
High cash back rates on groceries and streaming subscriptions.
Cash back on transit and gas expenses.
Introductory $0 annual fee for the first year.
Introductory 0% APR on purchases and balance transfers for the first 12 months.
$95 annual fee after the first year.
High cash back rates apply to $6,000 per year in purchases in specific categories, then drop to 1%.
Card Details
The Blue Cash Preferred® Card from American Express delivers high cash back on everyday spending. Earn 6% on US supermarkets (up to $6,000 per year, then 1%), 6% on select US streaming subscriptions, and 3% on gas and transit. Enjoy a $0 intro annual fee the first year, then $95. While there are spending caps on the high-earning categories, this card is ideal for those who prioritize cash back on groceries, streaming, and travel-related expenses.
Citi Custom Cash Card
Rewards rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn unlimited 1% cash back on all other purchases.
5% eligible categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
APR
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
Earn 5% cash back in top spend category each billing cycle up to $500.
Unlimited 1% cash back on all other purchases.
Cash back is earned in the form of ThankYou Points, offering flexible redemption options.
5% cash back is limited to the first $500 spent in the top eligible spend category each billing cycle.
After the intro APR period, the variable APR could be high depending on creditworthiness.
Cash back on purchases outside of the top spend category is limited to 1%.
Card Details
The Citi Custom Cash Credit Card tailors rewards to your spending! Earn 5% cash back on your top spending category each cycle (up to $500 spent), then 1% on everything else. Enjoy a generous intro APR and no annual fee. Just be aware that the 5% category is capped, and the ongoing APR can be high depending on your credit. Still, this card offers straightforward rewards and flexibility for everyday spending.
Chase Sapphire Preferred Credit Card
Rewards rate
5x points on travel purchased through Chase Ultimate Rewards (excluding hotel purchases qualifying for the $50 Annual Ultimate Rewards Hotel Credit).
3x points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services.
2x points on other travel purchases.
1x point per dollar spent on all other purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
High reward rates on travel and dining.
Valuable travel insurance benefits.
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.
No foreign transaction fees, making it ideal for international travel.
Requires a $4,000 spend in the first 3 months to earn the bonus.
Exclusions on earning 3x points on certain purchases.
Annual fee
Card Details
New cardholders can earn a generous 60,000-point bonus after meeting an initial spending requirement. This card shines for frequent travelers and foodies, offering up to 5x points on travel purchases and 3x points on dining, groceries, and select streaming services. Everyday spending also earns points, with 2x points on other travel categories and 1x point on all other purchases. Stretch your points even further with a 25% value boost when redeeming for travel through Chase’s portal. Enjoy additional peace of mind with travel insurance benefits and the convenience of no foreign transaction fees. While the $95 annual fee and variable APR should be factored in, the Chase Sapphire Preferred Card offers a compelling combination of rewards and benefits for those who travel and dine out frequently.