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.
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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 VentureOne Rewards Credit Card
See rates and fees
Rewards rate
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
2X miles per dollar on every purchase.
5X miles on hotels and rental cars booked through Capital One Travel.
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Pros & cons
Earn unlimited 2X miles per dollar on every purchase.
Receive up to a $100 credit for Global Entry or TSA PreCheck.
No foreign transaction fees.
Transfer your miles to your choice of 15+ travel loyalty programs.
Bonus rewards on hotels and rental cars only available through Capital One Travel.
Charges an annual fee of $95.
High variable APR of 19.99% – 29.99%.
Card Details
The Capital One Venture Rewards Credit Card is built for frequent travelers. Earn a huge 75,000-mile bonus (after spending $4,000 in 3 months), then 2X miles on everything, and 5X miles on hotels and rental cars booked through Capital One Travel. Enjoy up to $100 in TSA PreCheck®/Global Entry credit, no foreign transaction fees, and flexible miles transfers. While there’s a $95 annual fee, frequent travelers will easily offset it with rewards.
Capital One Quicksilver Cash Rewards Credit Card
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
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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.
Capital One Venture X Rewards Credit Card
See rates and fees
Rewards rate
10X miles on hotels and rental cars booked through Capital One Travel.
5X miles on flights booked through Capital One Travel.
2X miles on all other purchases, every day.
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Pros & cons
$300 annual travel credit for bookings through Capital One Travel, enhancing travel savings.
Up to $100 credit for Global Entry or TSA PreCheck, adding value for frequent travelers.
Unlimited access to Capital One and partner lounges worldwide, offering luxury travel experiences.
10,000 bonus miles every year on the card anniversary, equivalent to $100 towards travel.
High annual fee of $395, which may outweigh the benefits for some users.
Requires excellent credit, limiting accessibility for individuals with lower credit scores.
The high rewards rates apply primarily to bookings made through Capital One Travel, which may not suit all travel preferences.
Card Details
The Capital One Venture X Rewards Credit Card is built for frequent travelers seeking premium perks. Earn 10X miles on hotels and rental cars booked through Capital One Travel, 5X on flights, and 2X on everything else. Enjoy a $300 annual travel credit, TSA PreCheck®/Global Entry credit, lounge access, and a 10,000-mile anniversary bonus. While there’s a $395 annual fee, this card is ideal for those who will maximize the travel benefits and rewards.
The Business Platinum Card from American Express
Rewards rate
5X Points on flights and prepaid hotels booked on AmexTravel.com.
5X Points on eligible purchases in key business categories and on purchases of $5K or more, up to $2 million per calendar year.
1X Points on other eligible purchases.
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Pros & cons
High rewards rate on travel booked through AmexTravel.
Comprehensive travel benefits including access to over 1,400 airport lounges worldwide.
Up to $200 airline fee credit and up to $189 CLEAR Plus credit annually.
Complimentary Marriott Bonvoy Gold Elite and Hilton Honors™ Gold status.
Over $1,000 in annual statement credits for business expenses with partners like Dell, Indeed, Adobe, and wireless telephone services.
High annual fee of $695.
High spending requirement for the welcome offer.
Benefits and rewards are most valuable for frequent travelers.
Card Details
The Business Platinum Card® from American Express is built for frequent business travelers. Earn 5X points on flights and prepaid hotels booked on AmexTravel.com, plus up to $1,000+ in annual statement credits for business services. Enjoy lounge access, hotel elite status, $200 in airline fee credits, and more. While the $695 annual fee is high (see rates & fees), businesses that utilize the travel benefits and statement credits will find significant value.
American Express Business Gold Card
Rewards rate
4X Points on your top 2 eligible categories each billing cycle, on the first $150,000
3X Points on flights & pre-paid hotels booked on AmexTravel.com.
1X Points on all other eligible purchases.
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Pros & cons
Earn 4X points on top 2 spending categories.
70,000 Membership Rewards points welcome offer.
Up to $395 in annual statement credits.
No foreign transaction fees.
Comprehensive travel and purchase protections.
High annual fee of $375.
4X points cap at $150,000 in purchases per year.
Complex rewards structure.
High APR for Pay Over Time feature.
Card Details
The American Express Business Gold Card rewards flexibility and travel. Earn 4X points on your top 2 spending categories each cycle (up to $150,000 annually), 3X points on flights and prepaid hotels booked through Amex Travel, and get up to $395 in annual statement credits. While the $375 annual fee is substantial, frequent travelers and businesses with varied spending will find significant value in the card’s rewards and travel perks.
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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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.