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!
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.
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Intro Offer
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Annual Fee
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APR
Regular APR
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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.
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Intro Offer
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Annual Fee
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Regular APR
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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.