Best Credit Cards of 2024: Repeat Winners That Keep Winning

Every year, bank card issuers introduce new playing cards touting area of interest perks and distinctive methods to earn rewards. However again and again, various playing cards show they cannot merely get replaced.

Signal-up bonus: Earn a $200 money rewards bonus after spending $500 in purchases within the first 3 months.

Because it hit the market in 2021, the Wells Fargo Lively Money® Card has been a favourite for individuals who need to earn easy, no-frills rewards on all their purchases. Cardholders obtain an infinite 2% money again on qualifying purchases, with no rotating classes or spending caps to handle. You will additionally obtain a sign-up bonus and advantages like mobile phone safety, including worth to an already worthwhile card.

Signal-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

For the fourth yr working, the Chase Freedom Flex℠ proves that oversized rewards don’t at all times require an annual charge. Cardholders earn 5% again in quarterly rotating classes on as much as $1,500 in purchases per quarter. You’ll additionally earn an infinite 3% money again on eating and drugstore purchases, giving the cardboard a leg up over different playing cards with rotating classes. Plus, you’ll be able to supercharge the worth of your rewards by pairing the cardboard with a premium Chase journey card.

Signal-up bonus: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey while you redeem by means of Chase Final Rewards®.

The Chase Sapphire Most well-liked® Card received the perfect all-purpose journey rewards card for the second yr in a row. Cardholders can earn worthwhile Chase Final Rewards® in helpful bonus classes and achieve entry to journey switch companions like Hyatt, Southwest Airways and United Airways. You’ll get a ten% level bonus every cardholder anniversary based mostly in your whole purchases, plus obtain journey and purchasing protections that may allow you to relaxation simple when issues go mistaken.

Signal-up bonus: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $900 towards journey while you redeem by means of Chase Final Rewards®.

With an annual, no-hassle $300 journey credit score, bonus rewards on journey and eating purchases and entry to journey companions, it’s not stunning that the Chase Sapphire Reserve® is the back-to-back winner for finest premium journey bank card. The cardboard drips in luxurious journey perks like airport lounge entry, a World Entry or TSA PreCheck credit score and premium journey protections. Plus you’ll obtain a 50% bonus on the worth of your factors while you redeem them for journey by means of the Chase Final Rewards portal. You will pay a premium annual charge, however that’s simple to make up with the extra perks for frequent vacationers.

Signal-up bonus: Earn 30,000 Bonus Factors after you spend $3,000 on purchases in your first 3 months from account opening. Plus, as much as 30,000 Extra Bonus Factors by incomes 2 Bonus Factors whole per $1 spent within the first 6 months from account opening on purchases that usually earn 1 Bonus Level, on as much as $15,000 spent.

The World of Hyatt Credit score Card has remained atop the ranks of our greatest resort playing cards for half a decade. Cardholders earn high-value factors usable at no cost stays, room upgrades and on-property companies like spas and health lessons, along with Discoverist elite standing, a free night time certificates each anniversary yr and a further free night time certificates while you spend $15,000 on the cardboard within the calendar yr. For Hyatt loyalists, the worth acquired from the World of Hyatt Credit score Card ought to simply exceed the annual charge.

Signal-up bonus: INTRO OFFER: Limitless Cashback Match – solely from Uncover. Uncover will robotically match all of the money again you’ve earned on the finish of your first yr! There’s no minimal spending or most rewards. Only a dollar-for-dollar match.

The Uncover it® Secured Credit score Card has reigned supreme as our greatest bank card for constructing credit score for an astounding seven years — and for good motive. Individuals with no or poor credit score historical past can qualify for the cardboard and earn rewards whereas they construct or rebuild their credit score. Even higher, rewards are doubled on the finish of your first cardholder yr, which might assist with the required $200 safety deposit. Uncover may even robotically assessment your account after seven months to find out when you’re eligible to improve to a non-secured card and obtain again your deposit.

IIntroductory provide: Earn a $250 assertion credit score after you make $3,000 in purchases in your Card in your first 3 months. Phrases Apply.

The American Specific Blue Enterprise Money™ Card returns because the three-time consecutive winner of the perfect small-business bank card. Cardholders earn a no-hassle 2% money again on eligible purchases as much as $50,000 per yr; after that, you get 1%. Rewards are robotically redeemed every month for a press release credit score, so you’ll be able to deal with your enterprise and fewer on managing your card. Phrases apply.

Signal-up bonus: Earn 20,000 bonus factors while you spend $1,000 in eligible purchases inside the first 90 days of account opening.

Whether or not you eat at a restaurant or order supply, the U.S. Financial institution Altitude® Go Visa Signature® Card has been your only option for eating for 4 years in a row. The cardboard provides a best-in-class limitless 4 factors per $1 spent on eating, which even tops many playing cards with an annual charge. Cardholders may even obtain a wholesome sign-up bonus and an annual $15 streaming credit score.

Annual charge: $0 intro annual charge for the primary yr, then $95.

Introductory provide: Earn a $250 assertion credit score after you spend $3,000 in purchases in your new Card inside the first 6 months. Phrases Apply.

The Blue Money Most well-liked® Card from American Specific is a consecutive four-time winner of the perfect card for groceries. For those who spend $6,000 per yr at U.S. supermarkets, you’ll find yourself with $360 money again – sufficient to make up for the annual charge whereas additionally placing a dent in your grocery finances. Phrases apply.

Signal-up bonus: Earn a one-time $200 money bonus after you spend $500 on purchases inside the first 3 months from account opening.

You’ll get rewarded for each the dinner and the film while you pay together with your Capital One SavorOne Money Rewards Credit score Card, two-time winner of our greatest card for leisure award. The cardboard earns 3% money again on a broad record of leisure purchases, along with eating, eligible streaming companies and grocery shops. You may as well verify the Capital One Leisure portal for tickets that qualify for a good greater 8% money again.

Signal-up bonus: Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus provide might be fulfilled as 20,000 ThankYou® Factors, which could be redeemed for $200 money again.

The Citi Customized Money® Card has been NerdWallet’s finest card for gasoline for the previous two years. The cardboard offers you 5% money again on as much as $500 spent in your highest spend class per billing cycle (1% again thereafter). Fuel is among the eligible classes, so when you dedicate the cardboard to make use of solely while you replenish, you’ll at all times lock in that 5% again while you’re on the pump.

To view charges and costs of The American Specific Blue Enterprise Money™ Card, see this web page.

To view charges and costs of the Blue Money Most well-liked® Card from American Specific, see this web page.