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Last updatedApril 2024

Best Credit Card Offers 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
1
chase-sapphire-preferred credit card logo
9.2
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.6
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
2
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
3
blue-cash-everyday-card-from-american-express credit card logo
9.1
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.3
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

The American Express Blue Cash Everyday Card grants generous cash back rewards at U.S. supermarkets and U.S. gas stations. With no annual fee for cardholders, its benefits accumulate rapidly if you commute to work or have expensive grocery bills.

With this card, you’ll earn 3% cash back rewards at U.S. supermarkets and U.S. gas stations (up to $6,000 annually for each category, after which you’ll get a 1% return). Terms Apply.
See Rates & Fees

Learn more about Blue Cash Everyday® Card from American Express card
4
capital-one-quicksilver-cash-rewards-credit-card credit card logo
8.9
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.9
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

If you're looking for easy cash back, look no further than the Quicksilver Cash Rewards Credit Card. You'll earn rewards at the same flat rate on every purchase, no matter where you shop or what you buy. In addition, this card offers a one-time $200 cash bonus, after spending $500 on purchases within 3 months of opening an account.

Learn more about Capital One Quicksilver Cash Rewards Credit Card card
5
american-express-gold-card credit card logo
9.2
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
9.4
American Express® Gold Card
Credit Score
670+
Annual Fee
$250
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

It’s easy to earn rewards with AMEX Gold Card’s exceptional rewards and benefits for a variety of purchasing categories. You’ll earn 3X points on flights if you book on amextravel.com or with the airline itself, and 4X the points at restaurants and U.S. supermarkets, up to $25,000 every calendar year, at which point your rewards decrease to 1X.

There’s a modest introductory offer of 60,000 points if you make $4,000 in purchases within the first 6 months after opening the card. You may also earn an annual meal credit of $120 (up to $10 in monthly statement credits) at specified restaurants if you enroll in this additional program. Terms Apply.
See Rates & Fees

Learn more about American Express® Gold Card card
6
capital-one-venture-x-rewards-credit-card credit card logo
9.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
10.0
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
9.4
Learn More
on creditcards.com site
Capital One Venture X Rewards Credit Card
Credit Score
740+
Annual Fee
$395
Regular APR
19.99%-29.99% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Looking to earn some serious travel rewards? With the Venture X Rewards Credit Card, you'll get unlimited 10X miles on hotels and rental cars and 5X miles on flights when you book through Capital One Travel, plus unlimited 2X miles on all other purchases.

This card offers plenty of perks including an exceptional welcome bonus, lounge access, and up to $100 in credits for TSA Precheck or Global Entry. The Venture X Rewards card is also the only venture card that offers an annual bonus of 10,000 miles (worth $100 toward travel) starting on your first card anniversary, and annual statement credits worth up to $300 when you book travel through Capital One Travel. Although it does come with a $395 annual fee, its impressive rewards and benefits can easily offset this charge.

Learn more about Capital One Venture X Rewards Credit Card card
7
the-platinum-card-from-american-express credit card logo
9.3
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
9.4
The Platinum Card® from American Express
Credit Score
670+
Annual Fee
$695
Regular APR
See Pay Over Time APR
Summary
Editor's Review
Card Features
Pros & Cons

Rewards Rate:
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel

Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

Intro APR: N/A

Terms Apply, See Rates & Fees

Learn more about The Platinum Card® from American Express card
8
capital-one-quicksilverone-cash-rewards-credit-card credit card logo
7.7
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.4
Brand Reputation
Based on web trends
9.8
Features & Benefits
Based on our editorial reviews
4.0
Learn More
on creditcards.com site
Capital One QuicksilverOne Cash Rewards Credit Card
Credit Score
580+
Annual Fee
$39
Regular APR
30.49% (variable)
Summary
Editor's Review
Card Features
Pros & Cons

Looking to earn cash back but don't have the best credit score? The QuickSilverOne Cash Rewards Credit Card helps you earn money back on purchases while allowing you to build your credit. And even better, it doesn't require a security deposit. If you have a limited credit history or a score that needs a boost, this card is definitely a great choice.

Learn more about Capital One QuicksilverOne Cash Rewards Credit Card card
9
secured-chime-credit-builder-visa-credit-card credit card logo
8.6
BestMoneyscore
Popularity
Based on visits in the past 7 days
7.5
Brand Reputation
Based on web trends
9.4
Features & Benefits
Based on our editorial reviews
9.8
Apply Now
On Chime's application
Secured Chime Credit Builder Visa® Credit Card
Credit Score
No minimum credit score
Annual Fee
$0
Regular APR
N/A
Summary
Editor's Review
Card Features
Pros & Cons

The Chime Secured Credit Builder Visa® Credit Card offers a better way to build credit.* There's no credit check, no annual fee, and no minimum security deposit** to worry about. Your spending limit is based on the amount you transfer from your Chime® checking account. Chime® reports your on-time payments to all three major credit bureaus so you can boost your credit score faster.***

Learn more about Secured Chime Credit Builder Visa® Credit Card card
10
varo-believe credit card logo
8.8
BestMoneyscore
Popularity
Based on visits in the past 7 days
8.1
Brand Reputation
Based on web trends
9.0
Features & Benefits
Based on our editorial reviews
9.8
Varo Believe
Credit Score
No minimum credit score
Annual Fee
$0
Regular APR
N/A
Summary
Editor's Review
Card Features
Pros & Cons

The Varo Believe card offers a unique way to safely build credit. You choose how much money to add from your bank account to set how much you can spend on the card. That money will automatically be used to pay off your spending balance each month if you have Safe Pay turned on, or you can also make the payment manually.

Varo reports payment activity to the credit bureaus each month to help build your credit, and you can track your score in the Varo app. Best of all, applying for the card won’t impact your credit score and no security deposit is required.

Learn more about Varo Believe 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
Chase Sapphire Preferred
Chase Sapphire Preferred
Read Review
View all reviews

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Mar. 19, 2023
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Mar. 19, 2023
Credit Card Rewards: A Guide
Mar. 19, 2023
Read all articles

What are some types of credit cards?

  • 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.
  • Credit builder cards - 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.

Balance Transfer Pros & Cons 

Pro: You could save money

Balance transfer credit cards could save you money on interest payments if you transfer debt from a source with a higher interest rate to a card offering a lower interest rate and you pay off the debt quickly. 

Keep in mind, balance transfer credit cards offering introductory 0% APRs only do so for a limited time. If you can’t pay off the debt balance before the introductory period expires, understand what interest rate will get charged down the road.

Don’t forget to account for balance transfer fees when calculating whether you’ll save money. These fees get charged upfront and can be hefty.

Pro: Can consolidate your debt to a single card

A balance transfer credit card could allow you to move all of your debt to a single card, assuming your approved credit limit is high enough. This can make it easier for you to keep track of the monthly payments. Avoiding missed payments by doing this could help improve your credit score as long as your credit utilization on your new card doesn’t get too high.

Con: You may be digging yourself deeper into debt

Balance transfer credit cards can help tremendously if you pay off the debt quickly and don’t incur any new debt. Unfortunately, many people see the 0 balance on their old credit card as an opportunity to spend more money. If you transfer a balance and then run up the balance on your old credit card again, you just dig yourself deeper into debt.

Con: Lenders won’t let you transfer balances from their other products

Lenders don’t want to lose money on balance transfer credit card offers. For this reason, lenders typically won’t allow you to transfer a debt balance from their bank to a balance transfer credit card they issue. For instance, you can’t move a balance from your Chase Sapphire Preferred credit card to your Chase Slate credit card.

Con: Your new credit limit may not be high enough

When you apply for a credit card, you may not get approved for the credit limit you desire. You may apply for a balance transfer offer and only get approved for a $5,000 credit limit. If you planned to transfer $10,000 of other credit card debt, you end up maxing out the new credit card with the balance transfer and still have $5,000 of debt on the old card.

How to Pick the Right Balance Transfer Card

Picking the right card for your situation requires you to examine a few key factors. 

First, you want to have a good shot of getting approved for the card. Look for cards that typically approve people with your current credit score.

Next, make sure the credit card you’re applying for will allow you to transfer the balance you want to move. Some banks don’t allow loan transfers, while others do.

Finally, compare offers to find the card that can save you the most money. Look for long introductory 0% APR periods, low or no balance transfer fee offers, and a low regular APR after the balance transfer promotion expires.