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+1-802-778-9005Credit cards are financial tools that provide a revolving line of credit, allowing users to borrow funds up to a certain limit and repay them either in full each month or over time. The widespread usage of credit cards in the United States began in the mid-20th century, with major developments in the 1980s as card providers expanded benefits and accessibility.
There are various types of credit cards, each tailored to specific lifestyle and financial needs. Therefore, always seek credit cards that align with your requirements and financial goals.
Many Americans prefer credit cards over cash or debit cards because of the added security, rewards, and flexibility they offer. Choosing the right card can lead to significant financial savings, travel perks, and even cashback rewards.
Cashback credit cards refer to a reward you earn by completing purchases using your credit card. The reward is generally a certain percentage of the amount you get when you spend and can be easily redeemable. The earned rewards can be in the form of bonus points, gift cards, or additional discounts.
Some of the credit cards are co-branded credit cards, which banks issue in association with travel websites, premium hotel chains, sports leagues, or retail partners.
These cards are best for both personal and professional use, offering convenience with financial benefits. Some of the best 2024 cashback credit cards are Blue Cash Preferred Cards from American Express, Wells Fargo Active Cash Card, Capital One SavorOne Cash Rewards Credit Card, and Chase Freedom Unlimited.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| American Express Blue Cash Preferred Cards | Bankrate 4.4* ✬✬✬✬✬ Wallethub 4.0* ✬✬✬✬✬ Forbes 4.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $0 intro annual fee for the first year, then $95 | 1% – 6% | Earn $250 statement credit after spending $3,000 in the first 6 months. Terms Apply. |
| Wells Fargo Active Cash Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.4* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 2% | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. |
| Capital One SavorOne Cash Rewards Credit Card | Bankrate 5.0* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 4.2* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-8% | Earn a one-time cash bonus of $200 after spending $500 on purchases within the first 3 months of opening your account. |
| Chase Freedom Unlimited Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), giving you up to $300 in cash back! |
Travel credit cards refer to those credit cards where you earn rewards every time you make a purchase, and then these rewards will be used towards your travel expenses. Travel expenses include hotel stays, airfare, car rentals, and other travel-related expenses.
There are various types of travel credit cards, which include hotel credit cards, flat-rate credit cards, airline credit cards, general travel cards, and premium travel cards. The type of travel credit card you possess and its associated rewards program shows how you can utilize those rewards. If you own a hotel or airline credit card, you usually can only use the points within their specific loyalty programs, with a few exceptions.
Some of the best 2024 travel credit cards are the Chase Sapphire Preferred® Card, Capital One VentureOne Rewards Credit Card, Wells Fargo Autograph℠ Card, Chase Freedom Unlimited®, and the Platinum Card® from American Express.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Sapphire Preferred Card | Bankrate 4.9* ✬✬✬✬✬ Wallethub 4.6* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $95 | 1x-5x | Get up to $1,050 in value with Chase Travel℠. Earn 60,000 bonus points after spending $4,000 in the first 3 months of opening your account, which is worth $750 when redeemed through Chase Travel. Additionally, receive up to $300 in statement credits for Chase Travel purchases within your first year. |
| Capital One VentureOne Rewards Credit Card | Bankrate 4.1* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 4.1* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.25x-5x | Earn 40,000 bonus miles after spending $1,000 on purchases within the first 3 months of opening your account, equivalent to $400 in travel rewards. |
| Wells Fargo Autograph Card | Bankrate 4.0* ✬✬✬✬✬ Wallethub 4.4* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1x-3x | Earn 20,000 bonus points after spending $1,000 on purchases in the first 3 months, which can be redeemed for $200 in cash. |
| Chase Freedom Unlimited Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), giving you up to $300 in cash back! |
| American Express Platinum Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 3.0* ✬✬✬✬✬ Forbes 4.8* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $695 | 1x-5x | Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases within the first 6 months of your new Card membership. Terms apply. |
Gas credit cards refer to those credit cards where you get rewards whenever you purchase gas. These gas credit cards are of two types: general rewards cards that provide benefits for a wide range of purchases and branded gas credit cards that offer discounts at specific fuel stations.
Using gas credit cards can help you save on your household gas expenses by offering discounts, cash back, or other rewards. Depending on the specific gas credit card you choose, you can earn rewards points or cashback bonuses when you refill your tank.
Some of the best 2024 gas credit cards are Wells Fargo Active Cash® Card, Citi Double Cash® Card, Credit One Bank American Express® Card for Rebuilding Credit, and Capital One QuicksilverOne Cash Rewards Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Wells Fargo Active Cash Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.4* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 2% | Get a $200 cash reward when you spend $500 on purchases within the first 3 months. |
| Citi Double Cash Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.9* ✬✬✬✬✬ Forbes 3.6* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn $200 cash back when you spend $1,500 on purchases within the first 6 months of opening your account. You’ll receive this bonus as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. |
| Credit One Bank American Express Card for Rebuilding Credit | Bankrate 3.0* ✬✬✬✬✬ Wallethub 3.3* ✬✬✬✬✬ Forbes N/A ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | $75 First year. $99 thereafter, billed monthly at $8.25 | Earn unlimited 1% cash back on all eligible purchases. | Not offer a sign-up bonus. |
| Capital One QuicksilverOne Cash Rewards Credit Card | Bankrate 4.0* ✬✬✬✬✬ Wallethub 3.9* ✬✬✬✬✬ Forbes 3.5* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | $39 | 1.5%-5% | Get a $200 cash bonus when you spend $500 on purchases within the first 3 months of opening your account. |
Business credit cards refer to those credit cards specially designed to help entrepreneurs and small business owners. Business cards enable you to assign custom limits to employees based on their roles, regulating their business purchases.
Business credit cards are useful for managing and organizing business expenses. They often come with special benefits tailored for business customers. Business credit cards typically offer larger sign-up bonuses and may provide a 0% interest introductory rate for a limited time.
Some of the best 2024 business credit cards are the Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, the Blue Business® Plus Credit Card from American Express, and Capital One Spark Cash Plus.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Ink Business Unlimited Credit Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Earn unlimited 1.5% cash back on every purchase, with no category restrictions | Earn $900 bonus cash back after spending $6,000 on purchases in the first three months of account opening. |
| Ink Business Cash Credit Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.0* ✬✬✬✬✬ Forbes 4.5* ✬✬✬✬✬ Nerdwallet 4.8* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn a $900 cash bonus after spending $6,000 on purchases in the first three months after account opening. |
| The Blue Business Plus Credit Card from American Express | Bankrate 4.1* ✬✬✬✬✬ Wallethub 3.8* ✬✬✬✬✬ Forbes 3.8* ✬✬✬✬✬ Nerdwallet 4.4* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | You can earn 2X Membership Rewards points on all eligible purchases up to $50,000 per calendar year. After reaching that limit, you earn 1 point per dollar. | New cardholders can earn 15,000 Membership Rewards points after spending $3,000 in eligible purchases within the first three months. |
| Capital One Spark Cash Plus | Bankrate 4.7* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $150 | 2%-5% | Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year. |
Women’s credit cards refer to those credit cards that offer special features and perks to satisfy their lifestyle choices and financial requirements.
Cardholders receive rewards and savings on dining, travel, shopping, wellness, and beauty. They also get other offers like discounts on fitness and health services, first access to events, and cashback on supermarket purchases. By offering financial flexibility and rewards that align with their regular spending habits and long-term financial goals, these cards aim to empower women.
Some of the best 2024 Women cards are the Discover it® Cash Back, Discover it® Chrome, Chase Freedom Unlimited®, Blue Cash Everyday® Card from American Express and Discover it® Secured Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Discover it Cash Back | Bankrate 4.4* ✬✬✬✬✬ Wallethub 3.9* ✬✬✬✬✬ Forbes 4.3* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. |
| Discover it Chrome | Bankrate 4.0* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 3.3* ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-2% | Unlimited Cashback Match for all new card-members – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. |
| Chase Freedom Unlimited | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Get an Extra 1.5% Cash Back on Every Purchase! You can earn an additional 1.5% cash back on all your purchases, up to $20,000 spent in your first year. That’s potentially up to $300 cash back! |
| American Express Blue Cash Everyday Card | Bankrate 4.6* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 3.3* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-3% | Get a $200 Statement Credit! Spend $2,000 on your new card within the first 6 months, and you’ll earn a $200 statement credit. |
| Discover it Secured Credit Card | Bankrate 4.5* ✬✬✬✬✬ Wallethub 4.7* ✬✬✬✬✬ Forbes 4.2* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-2% | Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. |
Professional credit cards refer to those credit cards that are designed with features that specifically address the financial demands of those in professional sectors, such as consultants, attorneys, and doctors.
These cards offer rewards on costs associated with their line of work, such as travel, office supplies, or continuing education. Professional credit cards offer extra perks like access to concierge services, specialized financial tools, and increased credit limits.
Some of the best 2024 Professional credit cards are the Chase Freedom Unlimited, Chase Sapphire Preferred, and Business Platinum Card® from American Express.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Freedom Unlimited | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | .5%-5% | Get an extra 1.5% cash back on all purchases (up to $20,000 in spending during the first year) – you can earn up to $300 in cash back! |
| Chase Sapphire Preferred | Bankrate 4.9* ✬✬✬✬✬ Wallethub 4.6* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $95 | 1x-5x | Earn up to $1,050 in Chase Travel℠ rewards. Get 60,000 bonus points after spending $4,000 in the first 3 months – worth $750 when redeemed through Chase Travel. Plus, enjoy up to $300 in statement credits for Chase Travel purchases in your first year. |
| Business Platinum Card from American Express | Bankrate 4.8* ✬✬✬✬✬ Wallethub 2.5* ✬✬✬✬✬ Forbes 4.7* ✬✬✬✬✬ Nerdwallet 4.8* ✬✬✬✬✬ | $695 | 1x-5x | 120,000 Membership Rewards® points after spending $15,000 within the first 3 months of card membership. |
Corporate credit cards refer to those credit cards issued by companies to employees to make work-related purchases. These cards, also known as “commercial credit cards,” can streamline expense management for employees and employers.
Corporate credit cards simplify expense management for employers and employees, offering perks such as hotel stays, plane tickets, and other business-related expenses.
Some of the best 2024 corporate credit cards are the Ink Business Unlimited® Credit Card, Ink Business Cash® Credit Card, The American Express Blue Business Cash™ Card, and The Blue Business® Plus Credit Card from American Express.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Ink Business Unlimited Credit Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Earn unlimited 1.5% cash back on every purchase, with no category restrictions. | Earn $900 bonus cash back after spending $6,000 on purchases in the first three months of account opening. |
| Ink Business Cash Credit Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.0* ✬✬✬✬✬ Forbes 4.5* ✬✬✬✬✬ Nerdwallet 4.8* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn a $900 cash bonus after spending $6,000 on purchases in the first three months after account opening. |
| The American Express Blue Business Cash Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 3.8* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. |
| The Blue Business Plus Credit Card from American Express | Bankrate 4.1* ✬✬✬✬✬ Wallethub 3.8* ✬✬✬✬✬ Forbes 3.8* ✬✬✬✬✬ Nerdwallet 4.4* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | You can earn 2X Membership Rewards points on all eligible purchases up to $50,000 per calendar year. After reaching that limit, you earn 1 point per dollar. | New cardholders can earn 15,000 Membership Rewards points after spending $3,000 in eligible purchases within the first three months. |
Student credit cards refer to those credit cards designed for students to support them in building credit. These cards are unsecured, so no collateral or security deposit is required.
Student credit cards are generally only offered to students currently enrolled in college or trade school. These cards often provide rewards that are tailored to a student’s needs and lifestyle, such as cash back on purchases at restaurants or at a retail store that students frequently visit or rewards for spending on school supplies, streaming subscriptions, or delivery services.
Some of the best 2024 student credit cards are the Discover it® Student Cash Back, Chase Freedom Unlimited®, Bank of America® Travel Rewards credit card for Students, and Capital One SavorOne Student Cash Rewards Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Discover it Student Cash Back | Bankrate 5.0* ✬✬✬✬✬ Wallethub 3.9* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Discover offers an Unlimited Cashback Match for new cardmembers. At the end of your first year, they will automatically match all the cash back you’ve earned. For example, if you earn $50 in cash back, Discover will double it to $100, or if you earn $100, they’ll make it $200. There’s no limit on rewards or spending requirements—whatever you earn, they match it dollar-for-dollar. |
| Chase Freedom Unlimited | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), giving you up to $300 in cash back! |
| Bank of America Travel Rewards credit card for Students | Bankrate 3.9* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5x | 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases. |
| Capital One SavorOne Student Cash Rewards Credit Card | Bankrate 4.6* ✬✬✬✬✬ Wallethub 5.0* ✬✬✬✬✬ Forbes 4.6* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-8% | Earn $50 when you spend $100 in the first three months. |
Secured credit cards refer to those credit cards that need a security deposit to open the account. In order to open a secured credit card account, a cardholder must make a one-time refundable security deposit.
If you’re a high-risk borrower or if you’re having trouble establishing or building your credit history, a secured credit card could be a good option for you. By consistently making timely payments on a secured credit card, you can improve your credit score and qualify for more affordable credit options.
Some of the best 2024 secured credit cards are the Credit One Bank® Secured Card, Platinum Prestige Mastercard® Secured Credit Card, The OpenSky® Secured Visa® Credit Card, First Latitude Platinum Mastercard® Secured Credit Card, and Capital One Quicksilver Secured Cash Rewards Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Credit One Bank Secured Card | Bankrate N/A ✬✬✬✬✬ Wallethub N/A ✬✬✬✬✬ Forbes N/A ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 0-1% | N/A |
| Platinum Prestige Mastercard Secured Credit Card | Bankrate 2.8* ✬✬✬✬✬ Wallethub 3.6* ✬✬✬✬✬ Forbes 2.9* ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | $49 | You earn 1% cash back on payments made to your card account, which can be applied as statement credits. | N/A |
| OpenSky Secured Visa Credit Card | Bankrate 3.1* ✬✬✬✬✬ Wallethub 3.3 ✬✬✬✬✬ Forbes 3.0* ✬✬✬✬✬ Nerdwallet 4.3* ✬✬✬✬✬ | $35 | 1%-10% | N/A |
| First Latitude Platinum Mastercard Secured Credit Card | Bankrate N/A ✬✬✬✬✬ Wallethub N/A ✬✬✬✬✬ Forbes N/A ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | $35 | 1% Cash Back Rewards on payments | N/A |
| Capital One Quicksilver Secured Cash Rewards Credit Card | Bankrate 4.0* ✬✬✬✬✬ Wallethub 4.7* ✬✬✬✬✬ Forbes 4.7* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | N/A |
Airline credit cards refer to those credit cards that are designed to provide frequent flyers with rewards and privileges.
Airline credit cards are a good choice for people who travel a lot because they can drastically lower airfare costs and improve the whole trip experience. These cards offer perks such as airport lounge access, free checked bags, travel insurance, and priority boarding.
Some of the best 2024 Airline credit cards are the Capital One Venture Rewards Credit Card and Chase Sapphire Preferred® Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Capital One Venture Rewards Credit Card | Bankrate 4.1* ✬✬✬✬✬ Wallethub 4.5* ✬✬✬✬✬ Forbes 4.6* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | $95 | 2x-5x | Earn a one-time bonus of 75,000 miles after spending $4,000 on purchases within the first three months of opening your account. This is equivalent to $750 worth of travel rewards. |
| Chase Sapphire Preferred Card | Bankrate 4.9* ✬✬✬✬✬ Wallethub 4.6* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $95 | 1x-5x | Get up to $1,050 in value with Chase Travel℠. Earn 60,000 bonus points after spending $4,000 in the first 3 months of opening your account, which is worth $750 when redeemed through Chase Travel. Additionally, receive up to $300 in statement credits for Chase Travel purchases within your first year. |
Hotel credit cards are credit cards that offer benefits and points exclusive to individual hotel chains. They are for tourists who stay at hotels on a regular basis.
Through each transaction, cardholders earn points that can be used for free nights, upgraded accommodations, and other hotel-related benefits. Hotel credit cards offer benefits like free elite status, free Wi-Fi, late check-out, and access to special discounts and promotions.
Some of the best 2024 Hotel credit cards are the IHG One Rewards Premier Credit Card, Marriott Bonvoy Boundless® credit card, World of Hyatt Credit Card, and Disney® Visa® Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| IHG One Rewards Premier Credit Card | Bankrate 4.7* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $99 | 1x-26x | Earn 140,000 bonus points after spending $3,000 on purchases within the first 3 months of opening your account. |
| Marriott Bonvoy Boundless Credit Card | Bankrate 4.7* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 4.0* ✬✬✬✬✬ | $95 | 2x-17x | Get 125,000 bonus points after spending $5,000 on purchases in the first 3 months with the Marriott Bonvoy Boundless® Credit Card, our best offer yet! |
| World of Hyatt Credit Card | Bankrate 4.4* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 4.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $95 | 1x-9x | Earn 5 free nights at any Category 1-4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months. These nights are valued up to 90,000 points. |
| Disney Visa Card | Bankrate N/A ✬✬✬✬✬ Wallethub 3.3* ✬✬✬✬✬ Forbes 2.9* ✬✬✬✬✬ Nerdwallet 4.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1% | Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening. |
Store credit cards refer to those cards offered by certain retailers and allow you to earn rewards when used for purchases. It is also known as “retail cards”or “store cards.
When making purchases in-person or online, cardholders receive rewards such as points, discounts, or rebates. They get exclusive financing options, such as interest-free periods for major purchases, and some personalized offers, such as early access to sales and special promotions.
Some of the best 2024 Credit cards are Amazon’s Prime Visa, Target Circle™ Credit Card, Gap Good Rewards Mastercard® Credit Card, MyLowe’s Rewards Credit Card, and TJX Rewards® Platinum Mastercard®.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Amazon Prime Visa | Bankrate 4.2 ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Receive a $150 Amazon Gift Card instantly upon approval, available exclusively for Prime members. |
| Target Circle Credit Card | Bankrate N/A ✬✬✬✬✬ Wallethub 3.7* ✬✬✬✬✬ Forbes 3.4* ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Cardholders receive 5% off on eligible purchases made at Target stores and on Target.com. This discount is applied instantly at checkout. | Occasionally, Target offers bonus deals for new cardholders, such as a one-time discount or gift card upon approval, but these offers may vary and are not always available. |
| Gap Good Rewards Mastercard Credit Card | Bankrate N/A ✬✬✬✬✬ Wallethub 3.6* ✬✬✬✬✬ Forbes 2.1* ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Cardholders earn 5 points per $1 spent at Gap family brands, and 1 point per $1 spent on all other purchases. | New cardholders can earn up to 4,000 bonus points (equivalent to $40 in Gap rewards) by making a purchase outside the Gap family brands within the first 30 days. |
| MyLowe’s Rewards Credit Card | Bankrate N/A ✬✬✬✬✬ Wallethub 2.9* ✬✬✬✬✬ Forbes 0.6* ✬✬✬✬✬ Nerdwallet 4.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | N/A | N/A |
| TJX Rewards Platinum Mastercard | Bankrate N/A ✬✬✬✬✬ Wallethub 3.6* ✬✬✬✬✬ Forbes 1.4* ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 5% back in rewards on purchases at TJX brands, including T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense. 1% back on all other purchases. | You can earn a one-time bonus of 10% off your first purchase at TJX stores made with the card. |
0% APR/ Balance credit cards refer to those credit cards that offer an introductory term of 0% interest on purchases, balance transfers, or both.
A 0% APR offer lasts for six to twenty-one months, allowing cardholders to make big purchases or pay off debt without accruing interest during that time.
These credit cards that let you transfer balances and pay them off interest-free are particularly helpful for reducing high-interest debt from other credit cards. This allows you to pay off your total debt more quickly.
Some of the best 2024 0% APR/ Balance credit cards are the Chase Freedom Unlimited®, Wells Fargo Reflect® Card, U.S. Bank Visa® Platinum Card, BankAmericard® credit card, and Wells Fargo Active Cash® Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Freedom Unlimited | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), giving you up to $300 in cash back! |
| Wells Fargo Reflect Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 3.8* ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | N/A | N/A |
| U.S. Bank Visa Platinum Card | Bankrate 3.9* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 3.4* ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | N/A | N/A |
| BankAmericard Credit Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.5* ✬✬✬✬✬ Forbes 3.3* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | N/A | N/A |
| Wells Fargo Active Cash Card | Bankrate 4.3* ✬✬✬✬✬ Wallethub 4.4* ✬✬✬✬✬ Forbes 3.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 2% | Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. |
Privilege credit cards refer to those credit cards that provide cardholders with unique advantages such as first-rate services, savings on upscale goods or experiences, and first-rate treatment at affiliated establishments such as hotels, restaurants, and shops.
The benefits include invitations to exclusive events, top-tier customer service, and enhanced rewards programs. These cards can improve cardholders’ quality of life by giving them access to special offers and discounts.
Some of the best 2024 Privilege cards are the American Express® Platinum Card, Citi Prestige® Card, Capital One Venture X Rewards Credit Card, and U.S. Bank Altitude Reserve Visa Infinite® Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| American Express Platinum Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 3.0* ✬✬✬✬✬ Forbes 4.8* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $695 | 1x-5x | Earn 80,000 Membership Rewards® Points when you spend $8,000 on eligible purchases with your new card within the first 6 months. Terms apply. |
| Citi Prestige Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 3.5* ✬✬✬✬✬ Forbes N/A ✬✬✬✬✬ Nerdwallet 4.5* ✬✬✬✬✬ | $495 | 1 point per Dollar | Earn 50,000 bonus points after spending $4,000 on purchases within the first 3 months of opening your account.* |
| Capital One Venture X Rewards Credit Card | Bankrate 5.0* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 4.9* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | $395 | Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights and vacation rentals booked through Capital One Travel. Earn 2 miles per dollar on all other purchases, every day. | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. |
| U.S. Bank Altitude Reserve Visa Infinite Card | Bankrate 3.6* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.0* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | $400 | 5X points: Eligible travel purchases booked directly through the Altitude Rewards Center. 3X points: Travel and mobile wallet purchases (like Apple Pay, Google Pay, Samsung Pay, etc.). 1X point: All other eligible purchases. | Earn 50,000 bonus points after you spend $4,500 on eligible purchases within the first 90 days from account opening. When you redeem 50,000 points for travel it’s worth about $750. |
Charge cards refer to those credit cards that allow cardholders to make purchases with the promise to pay the amount back at a later date.
These cards are similar to credit cards as they both allow the cardholders to spend on a line of credit. However, they differ from each other because charge cards don’t have a set spending limit, no interest is charged, and cardholders cannot carry over any balance.
Some of the best 2024 Charge cards are the American Express® Platinum Card, Business Gold Card from American Express, and American Express® Green Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| American Express Platinum Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 3.0* ✬✬✬✬✬ Forbes 4.8* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $695 | 1x-5x | Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases within the first 6 months of your new Card membership. Terms apply. |
| Business Gold Card from American Express | Bankrate 5.0* ✬✬✬✬✬ Wallethub 3.0* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | $375 | You’ll earn 4X Membership Rewards® points each year in the 2 highest spending categories (these categories automatically adjust out of 6 options). You can earn 4x points per year on spending up to $150,000. | You’ll get 70,000 Membership Rewards® points if you spend $10,000 on eligible purchases in the first 3 months of your Card Membership. conditions apply. |
| American Express Green Card | Bankrate 4.4* ✬✬✬✬✬ Wallethub 2.3* ✬✬✬✬✬ Forbes 4.2* ✬✬✬✬✬ Nerdwallet 3.4* ✬✬✬✬✬ | $150 | 3X Membership Rewards® points per dollar on eligible travel, transit, and dining purchases. 1X point per dollar on all other eligible purchases. | Earn 60,000 Membership Rewards® Points after spending $3,000 on purchases in the first 6 months. (Terms apply) |
International credit cards refer to those credit cards that are designed for frequent travelers and individuals who regularly make purchases from international retailers.
These credit cards often come with benefits like access to airport lounges, emergency assistance, and travel insurance. International credit cards are usually equipped with anti-fraud features and currency conversion services, which make them more convenient and secure for travelers around the world..
Some of the best 2024 International credit cards are the Chase Sapphire Preferred® Card, Bank of America® Travel Rewards credit card, and Capital One Venture Rewards Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Sapphire Preferred Card | Bankrate 4.9* ✬✬✬✬✬ Wallethub 4.6* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $95 | 1x-5x | Get up to $1,050 in value with Chase Travel℠. Earn 60,000 bonus points after spending $4,000 in the first 3 months of opening your account, which is worth $750 when redeemed through Chase Travel. Additionally, receive up to $300 in statement credits for Chase Travel purchases within your first year. |
| Bank of America Travel Rewards Credit Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 2.7* ✬✬✬✬✬ Nerdwallet 3.8* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5x | Earn 25,000 online bonus points after spending at least $1,000 on purchases within the first 90 days of opening your account—equivalent to a $250 statement credit for travel purchases. |
| Capital One Venture Rewards Credit Card | Bankrate 4.1* ✬✬✬✬✬ Wallethub 4.5* ✬✬✬✬✬ Forbes 4.6* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | $95 | 2x-5x | Earn a one-time bonus of 75,000 miles after spending $4,000 on purchases within the first three months of opening your account. This is equivalent to $750 worth of travel rewards. |
Forex credit cards refer to those credit cards that are perfect to use when traveling abroad and when making online purchases from foreign retailers.
If you are someone who travels, travels frequently, or frequently drives cross-border, then a Forex credit card is the best choice. The benefits of using Forex credit cards are their reasonable rates, no international transaction fees, no late fees, and perks like emergency help, travel insurance, and rewards for overseas purchases.
Some of the best 2024 Forex credit cards are the Capital One Venture Rewards Credit Card, Bank of America® Travel Rewards Credit Card, and Citi Premier® Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Capital One Venture Rewards Credit Card | Bankrate 4.1* ✬✬✬✬✬ Wallethub 4.5* ✬✬✬✬✬ Forbes 4.6* ✬✬✬✬✬ Nerdwallet 4.7* ✬✬✬✬✬ | $95 | 2x-5x | Earn a one-time bonus of 75,000 miles after spending $4,000 on purchases within the first three months of opening your account. This is equivalent to $750 worth of travel rewards. |
| Bank of America Travel Rewards Credit Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 2.7* ✬✬✬✬✬ Nerdwallet 3.8* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5x | Earn 25,000 online bonus points after spending at least $1,000 on purchases within the first 90 days of opening your account—equivalent to a $250 statement credit for travel purchases. |
| Citi Premier Card | Bankrate 4.6* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | $95 | 3:1 per dollar spent on restaurants, supermarkets, gas stations, air travel and hotels 1:1 per dollar spent on other purchases | The card currently provides a sign-up bonus of 60,000 ThankYou® points if you spend $4,000 within the first three months of account opening. |
Shopping and online purchasing credit cards refer to those credit cards designed for shopping, and online purchases offer exclusive advantages for regular shoppers and internet users.
These cards offer benefits on purchases made at physical locations and online, such as cashback, points, or discounts. Users get extra benefits like extended warranties, purchase protection, and return protection.
Some of the best 2024 Shopping and online purchasing credit cards are the Chase Freedom Flex℠, Blue Cash Preferred® Card from American Express, Capital One SavorOne Cash Rewards Credit Card, and Citi® Double Cash Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Freedom Flex | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. |
| Blue Cash Preferred Card from American Express | Bankrate 4.4* ✬✬✬✬✬ Wallethub 4.0* ✬✬✬✬✬ Forbes 4.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $0 intro annual fee for the first year, then $95. | 1%-6% | Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply. |
| Capital One SavorOne Cash Rewards Credit Card | Bankrate 5.0* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 4.2* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-8% | Earn a one-time cash bonus of $200 after spending $500 on purchases within the first 3 months of opening your account. |
| Citi Double Cash Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.9* ✬✬✬✬✬ Forbes 3.6* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn $200 cash back when you spend $1,500 on purchases within the first 6 months of opening your account. You’ll receive this bonus as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. |
Fine dining credit cards refer to those cashback cards that enable cardholders to earn rewards when dining out. Some fine dining credit cards offer cash back for other types of spending, such as entertainment and grocery store purchases.
If you’re someone who loves to indulge in good food, consider getting a fine dining credit card. With this card, you can earn cash back when dining out at the newest restaurants in town or visiting your favorite local spots.
Some of the best 2024 fine dining credit cards are the Chase Freedom Unlimited® Credit Card, Chase Freedom Flex® Credit Card, and Marriott Bonvoy Boundless® Credit Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Chase Freedom Unlimited Credit Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1.5%-5% | Earn an extra 1.5% cash back on all purchases (up to $20,000 spent in the first year), giving you up to $300 in cash back! |
| Chase Freedom Flex Credit Card | Bankrate 4.8* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 5.0* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-5% | Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. |
| Marriott Bonvoy Boundless Credit Card | Bankrate 4.7* ✬✬✬✬✬ Wallethub 4.1* ✬✬✬✬✬ Forbes 4.4* ✬✬✬✬✬ Nerdwallet 4.0* ✬✬✬✬✬ | $95 | 2x-17x | Earn 125,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. |
Lifestyle credit cards are credit cards that allow you to obtain additional supplementary cards for your family members without needing a separate account.If you’re looking for a credit card that provides a wide range of benefits covering major areas of your life, then you can go for a lifestyle credit card.
The lifestyle credit card offers special rewards when you spend a specific amount using the card, either quarterly or annually. You may also enjoy travel perks such as flight vouchers and airport lounge access.
Some of the best 2024 Lifestyle credit cards are the Hilton Honors American Express Aspire Card, Capital One Venture X Rewards Credit Card, American Express® Gold Card, and Chase Sapphire Reserve®.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Hilton Honors American Express Aspire Card | Bankrate 4.2* ✬✬✬✬✬ Wallethub 4.3* ✬✬✬✬✬ Forbes 4.2* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $550 | 14x points per dollar on Hilton hotel stays. 7x points per dollar at U.S. restaurants, on flights booked directly with airlines or through AmexTravel.com, and on car rentals. 3x points per dollar on all other eligible purchases. | Earn 175,000 Hilton Honors Bonus Points after spending $6,000 within the first 6 months. |
| Capital One Venture X Rewards Credit Card | Bankrate 5.0* ✬✬✬✬✬ Wallethub 4.2* ✬✬✬✬✬ Forbes 4.9* ✬✬✬✬✬ Nerdwallet 4.9* ✬✬✬✬✬ | $395 | Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights and vacation rentals booked through Capital One Travel. Earn 2 miles per dollar on all other purchases, every day. | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. |
| American Express Gold Card | Bankrate 4.9* ✬✬✬✬✬ Wallethub 2.2* ✬✬✬✬✬ Forbes 4.6* ✬✬✬✬✬ Nerdwallet 4.6* ✬✬✬✬✬ | $325 | 4X points on dining worldwide and at U.S. supermarkets (up to $25,000 annually, then 1X) Fox Business 3X points on flights booked directly with airlines or through Amex Travel 1X points on all other purchases | Earn 60,000 Membership Rewards points after spending $6,000 on purchases within the first six months. |
| Chase Sapphire Reserve | Bankrate 5.0* ✬✬✬✬✬ Wallethub 4.41* ✬✬✬✬✬ Forbes 4.9* ✬✬✬✬✬ Nerdwallet 5.0* ✬✬✬✬✬ | $550 | 1x-10x | Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of opening your account. |
Crypto credit cards refer to rewards credit cards that allow you to earn cryptocurrency rewards on purchases instead of cash back or points.
Each crypto card offers a unique portfolio of cryptocurrencies in which you can earn rewards. If you have specific coins in mind that you want to invest in, make sure to check if the card and the supporting exchange allow investments in those particular coins.
Some crypto rewards currencies include Dogecoin (DOGE), Bitcoin (BTC), Litecoin (LTC), Ethereum (ETH), and Gemini Dollar (GUSD). The rewards you earn are automatically used to purchase cryptocurrency, which is then deposited into your connected crypto account. Some of the best 2024 crypto credit cards are the Brex Card, Venmo Credit Card, Fold Visa Prepaid Card, and Coinbase Card.
| Card Name | Rating Name | Annual Fee | Rewards Rate | Bonus Offer |
|---|---|---|---|---|
| Brex Card | Bankrate 5.0* ✬✬✬✬✬ Wallethub 2.9* ✬✬✬✬✬ Forbes 1.1* ✬✬✬✬✬ Nerdwallet 3.2* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1x-5x | 30,000 points for spending $3,500 in the first 30 days. 50,000 points for spending $9,000 in the first 30 days |
| Venmo Credit Card | Bankrate N/A ✬✬✬✬✬ Wallethub 3.1* ✬✬✬✬✬ Forbes 2.7* ✬✬✬✬✬ Nerdwallet 3.4* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | 1%-3% | N/A |
| Fold Visa Prepaid Card | Bankrate N/A ✬✬✬✬✬ Wallethub N/A ✬✬✬✬✬ Forbes N/A ✬✬✬✬✬ Nerdwallet N/A ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | This rewards rate can range from 1% to 100%, but it depends on the spin wheel after each purchase. | New users can receive a welcome bonus upon joining the Fold Visa Prepaid Card. The welcome bonus may vary depending on the offer and will be confirmed. |
| Coinbase Card | Bankrate N/A ✬✬✬✬✬ Wallethub N/A ✬✬✬✬✬ Forbes 3.3* ✬✬✬✬✬ Nerdwallet 4.8* ✬✬✬✬✬ | Indeed a lifetime free card which cost you $0. | Earn up to 4% rewards back every time you shop. | New users can receive a welcome bonus upon joining the Coinbase. The welcome bonus may vary depending on the offer and will be confirmed. |
Understanding the various types of credit cards—such as rewards, travel, balance transfer, secured, and student cards—empowers consumers to choose options that best fit their financial goals. Each card type offers unique benefits, from earning points and miles to improving credit or managing debt. By selecting a card aligned with individual needs, users can maximize perks, improve credit scores, and manage finances more effectively, making credit cards a valuable tool when used responsibly.
Secured cards require a cash deposit as collateral, making them accessible for those with low or no credit scores. Unsecured cards, the most common type, don’t need a deposit and are based on creditworthiness. Secured cards are often used to establish or improve credit, while unsecured cards are generally available to those with fair to excellent credit.
A balance transfer credit card allows users to transfer balances from high-interest cards to a new card with a lower introductory rate, often 0% APR for a set period. It’s ideal for those looking to consolidate debt and pay it down faster without accruing additional interest.
Cashback cards provide a percentage back on purchases, usually ranging from 1% to 5%, depending on spending categories. Cashback can be redeemed as statement credits, direct deposits, or even gift cards, allowing users to earn rewards on everyday spending.
Yes, travel rewards cards offer points or miles for purchases, which can be redeemed for flights, hotel stays, and more. Some cards also provide perks like airport lounge access, travel insurance, and waived foreign transaction fees, making them a popular choice for frequent travelers.
No, not all credit cards have an annual fee. While premium cards with extensive rewards and perks often charge an annual fee, many cashback, low-interest, and beginner-friendly cards have no annual fees, making them affordable options for everyday use.
A 0% APR credit card offers a period with no interest on purchases or balance transfers, usually lasting from 6 to 18 months. This type of card is helpful for financing large purchases or consolidating debt. After the introductory period, the standard interest rate applies, so it’s essential to pay down balances before this period ends.
Store credit cards, offered by retailers like Amazon, Target, and Walmart, provide discounts and special financing for in-store purchases. They often have high interest rates and can only be used at the issuing retailer, making them most beneficial for frequent shoppers at a specific store.
The three common types of credit cards in the USA are balance transfer cards, reward credit cards, and low-interest credit cards.
