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!
American Express Gold Card
Rewards rate
2X points on travel, including eligible flights, hotels, car rentals, cruises, and more.
2X points on everyday purchases, including eligible gas, grocery, and drugstore purchases in Canada.
1X points on everything else, from dining to takeout, subscriptions, shopping, and more.
1 additional point on Amex Travel Online on eligible hotel or car rental bookings.
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Intro Offer
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Pros & cons
Generous rewards rate on travel and everyday purchases.
Up to 60,000 Membership Rewards points as an intro offer.
$100 Annual Travel Credit and four complimentary visits per year to Plaza Premium Lounges in Canada.
No foreign transaction fees on international purchases.
High annual fee of $250.
High APR for purchases and funds advances.
Additional Gold Rewards Cards have a $50 annual fee after the first free card.
Card Details
The American Express® Gold Rewards Card delivers rewards for travel and everyday spending. Earn 2X points on travel, dining, and select everyday purchases, plus an annual $100 Travel Credit and complimentary lounge visits. Enjoy no foreign transaction fees, and a generous welcome bonus. While the $250 annual fee is significant, this card is ideal for those who value travel perks and flexible 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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Intro Offer
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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 Premier Card
Rewards rate
3X points on restaurants, supermarkets, gas stations, air travel, and hotels.
1X points on all other purchases.
Special Offer: Earn a total of 10 ThankYou Points per $1 spent on hotel, car rentals, and attractions booked on the Citi TravelSM portal through June 30, 2024.
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Pros & cons
Earn 3X points on multiple categories including dining, supermarkets, and travel.
$100 Annual Hotel Savings on a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year.
No foreign transaction fees.
Points can be transferred to participating airline loyalty programs.
$95 annual fee.
High spend required for $100 Annual Hotel Savings benefit.
Earns 1X points on categories outside of dining, supermarkets, gas stations, air travel, and hotels.
Card Details
Earn 3X points on dining, supermarkets, gas, air travel, and hotels with the Citi Premier Card. Enjoy a $100 annual hotel savings benefit (requires $500+ single stay) and no foreign transaction fees. Transfer points to airline partners for added flexibility. While there’s a $95 annual fee and lower earning rates outside the top categories, the Citi Premier Card is a solid choice for frequent travelers and those who spend heavily in the bonus categories.