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Last updatedApril 2024

Best Credit Cards of April 2024

Turn spending into savings

Whether it's increasing your credit or maximizing rewards, our top credit cards cater to a variety of needs. Find the right credit card today.

All Cards Are:
Property lockSafe & Secure
CheckVerified & Vetted
TopTrusted Brands
Best Credit Cards
Best Credit Cards
Cash Back
Cash Back
Balance Transfer
Balance Transfer
Travel
Travel
Rewards
Rewards
1
citi-rewards-card credit card logo
9.4
BestMoneyscore
Popularity
Based on visits in the past 7 days
9.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on Citi's application
Citi Rewards+® Card
Credit Score
690+
Annual Fee
$0
Regular APR
18.74%-28.74% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter
Earn 1X ThankYou® Points on all other purchases
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025

Welcome Bonus: Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening

Intro APR: 0% intro APR for 15 months on purchases and balance transfers

See Rates & Fees

Learn more about Citi Rewards+® Card card
2
chase-freedom-unlimited credit card logo
9.0
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.2
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on chase.com site
Chase Freedom Unlimited®
Credit Score
670+
Annual Fee
$0
Regular APR
20.49%-29.24%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases

Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)

Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%

Learn more about Chase Freedom Unlimited® card
3
citi-double-cash-card credit card logo
9.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Double Cash® Card
Credit Score
580+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time
Plus, for a limited time, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24

Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back

Intro APR: 0% intro APR for 18 months on balance transfers

See Rates & Fees

Learn more about Citi Double Cash® Card card
4
citi-custom-cash-card credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.8
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on Citi's application
Citi Custom Cash® Card
Credit Score
670+
Annual Fee
$0
Regular APR
19.24%-29.24% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Five points per $1 spent (up to the first $500 spent per billing cycle) in your top spending category
One point per $1 spent on everything else

Welcome Bonus: $200 cash back once you spend $1,500 on purchases within six months of opening the account

Intro APR: 0% intro APR for purchases and balance transfers for 15 months

See Rates & Fees

Learn more about Citi Custom Cash® Card card
5
chase-sapphire-preferred credit card logo
8.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.0
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.6
Learn More
on chase.com site
Chase Sapphire Preferred
Credit Score
700+
Annual Fee
$95
Regular APR
21.49%-28.49%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
5x on travel purchased through Chase Travel℠
3x on dining, select streaming services and online groceries
2x on all other travel purchases
1x on all other purchases
$50 annual Chase Travel Hotel Credit, plus more

Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠

Intro APR: N/A

Learn more about Chase Sapphire Preferred card
6
citi-premier-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
9.8
Learn More
on Citi's application
Citi Premier® Card
Credit Score
690+
Annual Fee
$95
Regular APR
21.24%-29.24%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3x points on travel, groceries, restaurants, hotels, and gas stations, and 1x points on everything else

Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 in the first 3 months of account opening

Intro APR: N/A

See Rates & Fees

Learn more about Citi Premier® Card card
7
chase-sapphire-reserve credit card logo
8.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.7
Brand Reputation
Based on web trends
9.9
Features & Benefits
Based on our editorial reviews
9.4
Learn More
on chase.com site
Chase Sapphire Reserve
Credit Score
720+
Annual Fee
$550 plus $75 for each authorized user
Regular APR
22.49%-29.49%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

Welcome Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠

Intro APR: N/A

Learn more about Chase Sapphire Reserve card
8
capital-one-savorone-cash-rewards-credit-card credit card logo
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.5
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One SavorOne Cash Rewards Credit Card
Credit Score
670+
Annual Fee
$0
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores and 1% on all other purchases

Welcome Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Intro APR: 0% APR on purchases for 15 months

Learn more about Capital One SavorOne Cash Rewards Credit Card card
9
capital-one-quicksilver-cash-rewards-credit-card credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
10.0
Learn More
on creditcards.com site
Capital One Quicksilver Cash Rewards Credit Card
Credit Score
670-850
Annual Fee
$0
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on every purchase you make

Welcome Bonus: $200 when you spend $500 within the first 3 months

Intro APR: 0% intro APR for 15 months on purchases

Learn more about Capital One Quicksilver Cash Rewards Credit Card card
10
blue-cash-preferred-card-from-american-express credit card logo
9.3
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.7
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Preferred® Card from American Express
Credit Score
670+
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
6% cash back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% cash back on select U.S. streaming subscriptions
3% cash back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% cash back on other purchases


Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in the first 6 months

Intro APR: 0% intro APR for 12 months on purchases and balance transfers

Terms Apply, See Rates & Fees

Learn more about Blue Cash Preferred® Card from American Express card
11
blue-cash-everyday-card-from-american-express credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.8
Brand Reputation
Based on web trends
9.7
Features & Benefits
Based on our editorial reviews
10.0
Blue Cash Everyday® Card from American Express
Credit Score
670+
Annual Fee
$0
Regular APR
19.24% - 29.99%
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%
3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%
3% cash back at U.S. gas stations, on up to $6,000 per year, then 1%

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months

Intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening

Terms Apply, See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand's Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Citi Rewards+® Card
Citi Rewards+® Card
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Everything You Need to Know About Applying for a Credit Card Online

Applying for a credit card online offers a number of advantages over the other application methods that include applying by phone, mailing a written application, or in person.

First, you can apply anytime you wish 24/7 from the convenience of your home. If you are shopping around for the best credit card deal on a credit card comparison site you can move right to the application process once you reach your decision as to the best card for your needs. 

If you apply in person at your bank or credit union this involves getting dressed in decent clothes and physically going there. Applying by phone may mean a limited time window during the week in which to apply. Mailing the application means a time lag in having your application reviewed and there is always the chance your application could get lost. 

How to Choose the Right Card for You

When looking for a credit card, there are a few things you should do to help guide you to the right card for your situation. 

Check your credit

Be sure that you’ve checked your credit and that you are up to speed on your score. Some cards may be better than others for applicants with your credit score and history than others. 

Identify the type of card that you need

Before applying for a card, identify the features in a card that are important to you. Are you looking for a card that offers cash back rewards or perhaps one that offers travel rewards? Are you looking for a card that is suitable for those with poor credit? If there are special attributes that you are looking for in a credit card it's recommended to identify these attributes before starting the application process. 

Get the card that provides the most value for you

Once you’ve checked your credit and have done your homework to decide the right type of card for your situation, research the cards that will be the best fit and apply for one or more of them. 

Credit Cards 101

Credit cards can be a misunderstood topic as there are a lot of aspects to know about them. Here are some basics that you should understand when applying for a new card. 

Card types

There are a number of different card types to consider based upon your needs, some of these include:

  • Balance transfer cards are those that encourage the consolidation of one or more balances from other cards. Balance transfer cards may offer low or even zero interest for a period of time as an incentive.
  • Low interest rate cards may offer a very low or 0% interest for an introductory period and then a low interest rate thereafter. These cards are best for those cardholders who carry a balance on their card.
  • Cards for those with poor or bad credit are those that will accept applicants with lower credit scores. The definition of a low credit score will vary among card issuers. These cards can help the cardholder rebuild their credit score. The interest rate on these cards, as well as other terms, may be less favorable than for cards for borrowers with good credit scores.
  • Rewards cards are credit cards that offer rewards for purchases in the form of cash back or travel rewards. As long as the other terms and conditions of the card are favorable to you, these cards can be advantageous.


Benefits of having a credit card

There are a number of potential benefits to having a credit card. These include: 

  • Building your credit by making transactions and paying off the balance in a timely fashion.
  • Providing purchasing power for making larger purchases with the card and then paying them off. Using a credit card also can provide recourse in case there are problems with a larger purchase.
  • With some cards the cardholder can earn travel or cashback rewards which provide extra value.
  • This eliminates the need to carry cash or to use a checkbook when shopping.

FAQs

Here are some FAQs about credit cards with answers to these questions. 

What does the application process look like? 

While the process might be a bit different for each card issuer, there are some basics that are common among virtually all credit card companies. They will ask for your basic information including your Social Security number.

They will want to know about your income and where it's derived from. If you are employed they may ask for information about your employer as well. 

They will want to know about where you live and if you own or rent. They may ask how long you’ve lived there. 

Can I have more than one credit card? 

You can absolutely have more than one credit card. There is no rule against this. However, a credit card issuer will look at the level of your outstanding credit as a potential consideration deciding whether or not to issue you their card, and if so in determining your credit limit on the card. 

In some cases, having credit cards that have no balance or that haven’t been used recently can be an adverse mark on your credit history in that some card issuers may look at these additional cards in terms of the total available credit that you could potentially use. 

If you have cards that have not been used in a while, you might find that the issuer of these cards will cancel them on you unexpectedly. 

How do I choose the right type of credit card? 

As with any financial decision, choosing the right type of credit card for you is a function of your situation. Look at your credit score, how and how often you will use the card, if you travel perhaps a travel reward card might be appropriate. 

If you have some balances on other cards that you’d like to consolidate, perhaps a card that offers incentives on balance transfers is right for you. If your credit score is low, a card that indicates that they will accept those with lower credit scores could be the right answer.