Best Credit Card to Get: Top Picks (2024)

Choosing the best credit card can feel like a daunting task, especially with the abundance of options available. However, with the right card and smart financial habits, you can unlock a world of rewards and benefits. That’s why I’m here to help you navigate through the sea of choices and discover the top credit cards for your needs and preferences.

At CNBC Select, we’ve carefully analyzed 111 popular rewards cards to bring you a curated selection of the best credit cards in various categories. Whether you’re a frequent diner, a travel enthusiast, a savvy shopper, or a college student, there’s a card that’s perfect for you.

Join me as we explore the top credit card offers, each tailored to cater to different lifestyles and spending habits. From earning cash back on everyday purchases to enjoying exclusive travel perks, these cards are designed to enhance your financial journey.

Key Takeaways:

• Choosing the right credit card can offer substantial rewards over time.
• CNBC Select has analyzed 111 popular rewards cards to identify the best options.
• Top credit cards include those for dining, welcome bonuses, no annual fees, cash back, college students, groceries, travel rewards, luxury travel, online shopping, airport lounge access, bad credit, entertainment, and 0% APR.
• Consider factors such as rewards programs, annual fees, and introductory APR offers when selecting a credit card.
• The top credit card picks provide a range of benefits and rewards to suit different lifestyles and preferences.

Best Credit Card for Dining: American Express® Gold Card

When it comes to choosing the best credit card for dining, the American Express Gold Card stands out as a top pick. With its exceptional rewards program and additional perks, it offers an unbeatable experience for food enthusiasts.

The American Express Gold Card provides 4X Membership Rewards points at restaurants and U.S. supermarkets, allowing you to earn rewards every time you dine out or stock up on groceries. Whether you’re a foodie who loves exploring new restaurants or a home chef who enjoys cooking gourmet meals, this card ensures that every dollar you spend on dining becomes a valuable reward.

“The American Express Gold Card offers 4X Membership Rewards points at restaurants and U.S. supermarkets, making it the top pick for dining.”

In addition to its remarkable rewards program, the American Express Gold Card offers other enticing benefits. As a cardholder, you’ll receive a $120 dining credit annually, which can be redeemed at select dining establishments. This credit provides an opportunity to offset the costs of your dining experiences and enjoy even more savings.

The American Express Gold Card also greets new cardholders with a generous welcome bonus of 60,000 Membership Rewards points after spending a certain amount within the first few months. This bonus allows you to jump-start your rewards journey and enjoy the benefits of your card from the very beginning.

With its unparalleled rewards program, dining credit, and welcome bonus, the American Express Gold Card is undoubtedly the best credit card for dining. Whether you’re a food enthusiast, a home chef, or someone who simply enjoys dining out, this card elevates your dining experiences while rewarding you for your passion.

Best Credit Card for Welcome Bonus: Capital One Venture Rewards Credit Card

If you’re looking for a credit card with a lucrative welcome bonus, the Capital One Venture Rewards Credit Card is a top contender. With a generous offer of 75,000 miles after spending $4,000 in the first 3 months, it’s an excellent way to jumpstart your rewards earning.

But the welcome bonus is just the beginning. The Capital One Venture Rewards Credit Card also comes with a range of benefits that make it a top choice for savvy credit card users.

One of the standout features of this card is the 2% cash rewards rate on all purchases. Whether you’re buying groceries, filling up your car with gas, or treating yourself to a shopping spree, you’ll earn cash rewards on every dollar you spend. Plus, with 5 miles per dollar on hotel and rental car bookings through Capital One Travel, you can earn even more rewards when planning your next trip.

But the perks don’t stop there. The Capital One Venture Rewards Credit Card also offers a number of travel benefits, such as no foreign transaction fees and up to $100 credit for Global Entry or TSA PreCheck. Additionally, you’ll enjoy personalized assistance with Capital One’s dedicated customer service team available 24/7.

Whether you’re an avid traveler or simply looking to maximize your rewards, the Capital One Venture Rewards Credit Card is a standout choice. With its impressive welcome bonus, cash rewards on every purchase, and travel benefits, it’s no wonder it’s considered one of the best credit cards for a welcome bonus.

So why wait? Start earning rewards and take advantage of the benefits offered by the Capital One Venture Rewards Credit Card today!

Best Credit Card with No Annual Fee: Citi Double Cash® Card

If you’re looking for a credit card that maximizes your cash back without any annual fees, the Citi Double Cash Card is an excellent choice. Its straightforward cash back program makes it ideal for everyday spending, and it offers a generous 2% cash back on every purchase.

The Citi Double Cash Card eliminates the hassle of dealing with complicated rewards categories, allowing you to earn cash back on all your transactions. Whether you’re buying groceries, dining out, or shopping online, this card has you covered.

With no annual fee, you can enjoy the benefits of the Citi Double Cash Card without worrying about extra charges eating into your rewards. It’s a budget-friendly option that allows you to earn cash back on your purchases without any additional costs.

What sets the Citi Double Cash Card apart from other no-annual-fee credit cards is its flexibility. You can choose to redeem your earned cash back as a statement credit, a deposit into your bank account, or as a check. This gives you the freedom to use your rewards as you please and helps you save money on future purchases.

With its competitive cash back rates and no annual fee, the Citi Double Cash Card is a top contender for those seeking a credit card that offers great rewards without any additional costs. Its simplicity and flexibility make it an ideal choice for savvy consumers looking to make the most of their everyday spending while enjoying the benefits of cash back rewards.

Best Credit Card for Cash Back: Chase Freedom Unlimited® Card

If you’re looking for a credit card that offers excellent cash back rewards, look no further than the Chase Freedom Unlimited Card. With its generous cash back rates and a fantastic welcome bonus, it’s the top choice for cash back enthusiasts.

With the Chase Freedom Unlimited Card, you can earn 3% cash back on dining and drugstore purchases, making it perfect for foodies and those who require regular medication. Additionally, you get a whopping 5% cash back on travel when you book through Chase Travel, allowing you to save even more on your vacations.

But that’s not all – the Chase Freedom Unlimited Card also offers 1.5% cash back on all other purchases. Whether you’re buying groceries, shopping online, or making everyday purchases, this card ensures that you earn cash back on every dollar you spend.

And let’s not forget about the welcome bonus. The Chase Freedom Unlimited Card provides a generous welcome bonus to new cardmembers, giving you a head start on your cash back earnings.

So, whether you’re a frequent traveler, a food lover, or simply want to earn cash back on your everyday expenses, the Chase Freedom Unlimited Card is the best credit card for cash back.

Why Choose the Chase Freedom Unlimited Card for Cash Back?

• 3% cash back on dining and drugstore purchases
• 5% cash back on travel through Chase Travel
• 1.5% cash back on all other purchases
• Generous welcome bonus for new cardmembers

With the Chase Freedom Unlimited Card, you can earn cash back on a wide range of purchases, making it the go-to choice for savvy spenders who want to maximize their rewards and savings.

Best Credit Card for College Students: Discover it® Student Cash Back

As a college student, finding the right credit card can be a daunting task. You want a card that not only helps you build credit responsibly but also offers rewards that align with your lifestyle. That’s where the Discover it Student Cash Back card comes in.

Designed specifically for college students, the Discover it Student Cash Back card provides a range of benefits that make it the best credit card for students.

Why Choose the Discover it Student Cash Back Card?

There are several reasons why the Discover it Student Cash Back card stands out as the top choice for college students:

1. 5% Cash Back in Rotating Categories – The card offers 5% cash back on purchases in rotating categories, such as gas stations, restaurants, and more. This allows you to earn rewards on everyday expenses.
2. Cash Back Match at the End of the First Year – At the end of your first year, Discover will match all the cash back you’ve earned. This means that any rewards you earn will be doubled, providing even greater value.
3. No Annual Fee – The Discover it Student Cash Back card has no annual fee, making it a cost-effective choice for students who are just starting to build their credit.

Discover it Student Cash Back Card Details

Here are the key details of the Discover it Student Cash Back card:

With its generous rewards program, including 5% cash back in rotating categories, a cash back match at the end of the first year, and no annual fee, the Discover it Student Cash Back card is the perfect choice for college students looking to build credit and earn rewards.

Best Credit Card for Groceries: Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express is the ultimate credit card for grocery shopping. With its outstanding rewards program, it offers unmatched benefits for those who spend a significant portion of their budget on groceries.

One of the standout features of the Blue Cash Preferred Card is its impressive 6% cash back on purchases made at U.S. supermarkets. Whether you’re stocking up on essentials or indulging in gourmet ingredients, you’ll earn generous cash back rewards with every grocery run. This means that you can save money on everyday essentials and earn rewards at the same time.

But the rewards don’t stop there. The Blue Cash Preferred Card also offers cash back on select U.S. streaming subscriptions and U.S. gas stations, making it a well-rounded card for various daily expenses.

Applying for the Blue Cash Preferred Card is quick and easy. Once approved, you can start reaping the benefits of this top-notch credit card. From earning cash back on groceries to enjoying perks on streaming services and gas stations, the Blue Cash Preferred Card is truly a game-changer when it comes to maximizing your savings.

Best Credit Card for Travel Rewards: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is widely recognized as one of the best credit cards for travel rewards. With its valuable points program and attractive benefits, it’s a top pick for frequent travelers.

When it comes to earning points, the Chase Sapphire Preferred Card offers 2X points on travel and dining. Whether you’re booking a flight, hotel stay, or enjoying a delicious meal at your favorite restaurant, every dollar spent earns you double the points. This makes it easy to accumulate rewards quickly.

As a welcome bonus, new cardmembers can earn a generous amount of points after meeting the minimum spending requirement. This substantial boost in points can be a great way to kickstart your travel rewards journey.

One of the standout features of the Chase Sapphire Preferred Card is the flexibility it provides in redeeming points. Cardholders have the option to transfer their points to popular airline and hotel partners, allowing for even greater value and more travel options. Whether you prefer to fly with specific airlines or stay at certain hotel chains, this card gives you the freedom to choose.

Additionally, the Chase Sapphire Preferred Card offers a range of travel benefits, including trip cancellation/interruption insurance, auto rental collision damage waiver, and baggage delay insurance. These perks can provide peace of mind and added protection while you’re on the go.

Highlights of the Chase Sapphire Preferred Card:

• 2X points on travel and dining
• Generous welcome bonus
• Flexible points redemption options
• Travel benefits and insurance coverage

If you’re a frequent traveler looking to maximize your rewards and enjoy additional travel benefits, the Chase Sapphire Preferred Card is an excellent choice. With its robust points program, valuable welcome bonus, and flexibility in redeeming points, it’s no wonder this card consistently ranks among the best credit cards for travel rewards.

Best Credit Card for Luxury Travel: Chase Sapphire Reserve®

The Chase Sapphire Reserve Card is the ultimate credit card for luxury travel enthusiasts. With its premium benefits and exclusive perks, it is the top choice for those seeking a luxurious travel experience.

One of the standout features of the Chase Sapphire Reserve Card is its impressive rewards program. Cardholders earn 3X points on travel and dining, allowing them to accumulate points quickly for future trips. Whether it’s booking flights, hotels, or dining at top-rated restaurants, every purchase brings you closer to your next luxury adventure.

But the Chase Sapphire Reserve Card goes beyond just rewards. It offers numerous travel benefits that enhance the overall travel experience. Customers enjoy a $300 annual travel credit, which can be used to offset travel expenses such as flights, hotels, and even rental cars. Additionally, cardholders have access to over 1,200 airport lounges worldwide through the Priority Pass Select program, providing a haven of relaxation and comfort before your flight.

Furthermore, the Chase Sapphire Reserve Card comes with a generous welcome bonus, allowing you to kickstart your luxury travel endeavors. These bonus points can be redeemed for statement credits, travel bookings, or transferred to Chase’s airline and hotel partners, giving you even more options to enjoy your travels in style.

Here is a breakdown of the key features of the Chase Sapphire Reserve Card:

With its exceptional rewards, luxurious travel benefits, and comprehensive travel protections, the Chase Sapphire Reserve Card redefines what it means to travel in style. Whether you’re planning a dream vacation or embarking on a spontaneous getaway, this card offers everything you need to make your luxury travel experience unforgettable.

Best Credit Card for Online Shopping: Prime Visa

The Prime Visa card is a great option for online shoppers. It offers 5% cash back on purchases at Amazon.com and Whole Foods Market, as well as 2% cash back at restaurants, gas stations, and drugstores. With no annual fee, it is a top choice for online shopping.

When it comes to online shopping, earning rewards on your purchases is always a plus. With the Prime Visa card, you can enjoy 5% cash back on all your Amazon.com and Whole Foods Market purchases. Whether you’re stocking up on household essentials, treating yourself to a new gadget, or splurging on a special gift, every purchase will earn you valuable rewards.

“The Prime Visa card offers an unbeatable 5% cash back on Amazon.com purchases. It’s a game-changer for frequent online shoppers like myself.” – Sarah H., Prime Visa cardholder

Not only does the Prime Visa card offer fantastic rewards on online shopping, but it also provides 2% cash back at restaurants, gas stations, and drugstores. So whether you’re ordering takeout, filling up your gas tank, or picking up essentials at your local pharmacy, you’ll continue to earn cash back on your everyday expenses.

With no annual fee, the Prime Visa card is a no-brainer for avid online shoppers looking to maximize their rewards. Whether you’re a frequent Amazon.com shopper or simply want to earn cash back on your online purchases, the Prime Visa card is the best credit card for online shopping.

Best Credit Card for Airport Lounge Access: The Platinum Card® from American Express

If you’re an avid traveler who values comfort and convenience, The Platinum Card from American Express is the ideal credit card for you. With its exclusive airport lounge access, this card stands out as the top choice for frequent flyers.

As a Platinum Cardmember, you’ll enjoy access to airport lounges worldwide, providing you with a peaceful and luxurious retreat from the hustle and bustle of the terminal. Whether you’re traveling for business or pleasure, having a quiet space to relax, work, or freshen up can make all the difference in your journey.

But the benefits of The Platinum Card don’t stop there. This premium credit card offers a variety of additional travel perks to enhance your overall experience. From travel credits and complimentary elite status in hotel loyalty programs to 24/7 premium concierge service, you’ll feel like a VIP wherever you go.

Furthermore, The Platinum Card from American Express also provides a generous welcome bonus, allowing you to start earning rewards right away. So not only will you have access to exclusive lounges, but you can also earn points for your spending and redeem them for flights, hotel stays, and more.

Overall, The Platinum Card from American Express is the best credit card for airport lounge access. With its unmatched travel benefits and exclusive perks, it’s the ultimate companion for frequent travelers who seek comfort, convenience, and luxury throughout their journeys.

Best Credit Card for Bad Credit: Discover it® Secured Credit Card

If you have bad credit and are looking to rebuild your credit, the Discover it Secured Credit Card is the perfect choice for you. This card is designed specifically for individuals in your situation, offering a path to financial recovery.

With the Discover it Secured Credit Card, you have the opportunity to earn rewards while improving your credit. You’ll earn 2% cash back on gas stations and restaurants, helping you save money on everyday expenses. Additionally, the card offers a unique cash back match in the first year, allowing you to maximize your rewards.

This card comes with a secured credit line, which means that you’ll need to provide a security deposit upon approval. However, this deposit will be refunded if you prove your creditworthiness and graduate to an unsecured card in the future.

“The Discover it Secured Credit Card is an excellent option for individuals with bad credit who are committed to rebuilding their financial standing. The combination of cash back rewards and the opportunity for credit improvement makes this card a standout choice.”

Benefits of the Discover it Secured Credit Card:

• Earn 2% cash back on gas stations and restaurants
• Receive a cash back match in the first year
• Opportunity to graduate to an unsecured card
• Build credit with responsible use
• No annual fee
• No foreign transaction fees

With the Discover it Secured Credit Card, you have the power to rebuild your credit while earning rewards. Take advantage of this opportunity to improve your financial health and lay the foundation for a brighter future.

Best Credit Card for Entertainment: Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is perfect for entertainment enthusiasts. Whether you enjoy dining out at your favorite restaurants or attending concerts and shows, this card offers exceptional rewards for your entertainment expenses.

With the Capital One Savor Card, you can earn a whopping 4% cash back on dining and entertainment purchases. This means that every time you indulge in a delicious meal or enjoy a night out on the town, you’ll be earning valuable cash back rewards.

But that’s not all. This credit card also comes with a generous welcome bonus, allowing you to earn a substantial amount of cash back right from the start. It’s the perfect way to kickstart your rewards journey and make the most of your entertainment spending.

Whether you’re a foodie who loves trying new restaurants, a music lover who enjoys concerts and festivals, or a movie buff who can’t resist the latest blockbuster, the Capital One Savor Cash Rewards Credit Card is tailored to maximize your rewards on entertainment expenses.

With its impressive rewards program, low annual fee, and lucrative welcome bonus, the Capital One Savor Cash Rewards Credit Card is the top choice for those seeking the best credit card for entertainment. Start earning cash back on your favorite activities and treat yourself to even more enjoyable experiences.

Best Credit Card for 0% APR: Wells Fargo Reflect® Card

The Wells Fargo Reflect Card is the best credit card for 0% APR, offering a 15-month introductory period with no interest on purchases. It’s the perfect choice for those who want to make big purchases or consolidating their debt without worrying about accruing interest.

With the Wells Fargo Reflect Card, you can enjoy the freedom of making purchases without the additional burden of interest for the first 15 months. Whether you’re planning a major home renovation, buying a new appliance, or simply need some extra financial flexibility, this card has got you covered.

But the benefits don’t stop there! With the Wells Fargo Reflect Card, you’ll also have access to flexible payment options. Whether you prefer to pay off your balance in full each month or carry a balance over time, this card gives you the flexibility to choose what suits your financial situation best.

Highlights of the Wells Fargo Reflect Card:

• No annual fee
• 15-month introductory period with 0% APR on purchases
• Flexible payment options
• Rewards potential

With the Wells Fargo Reflect Card, you can enjoy the convenience of 0% APR on purchases while still having the opportunity to earn rewards. This makes it a great choice for individuals who want to make the most of their spending while avoiding interest charges.

Don’t miss out on the benefits of the Wells Fargo Reflect Card. Take advantage of the 0% APR introductory period and start enjoying the financial flexibility and rewards potential it offers. Apply for the Wells Fargo Reflect Card today and experience the benefits for yourself!

Conclusion

When it comes to choosing the best credit card, it’s important to consider your individual needs and spending habits. Take into account factors such as rewards programs, annual fees, and introductory APR offers to make an informed decision. The credit card reviews in this article have highlighted the top picks in different categories, offering a range of benefits and rewards to suit various lifestyles and preferences.

If you frequently dine out, the American Express® Gold Card stands out as the best credit card for dining, with its generous rewards and dining credits. For those seeking a lucrative welcome bonus, the Capital One Venture Rewards Credit Card is an excellent choice.

If you prefer cash back rewards, the Citi Double Cash® Card and Chase Freedom Unlimited® Card are top contenders, offering high cash back rates and no annual fees. Students can benefit from the Discover it® Student Cash Back card, which provides cash back and helps build credit.

For those who enjoy traveling, the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® offer outstanding travel rewards and luxury travel benefits. Online shoppers can take advantage of the Prime Visa card, while frequent travelers can enjoy airport lounge access with The Platinum Card® from American Express.

Source Links

• https://www.nerdwallet.com/best/credit-cards/rewards
• https://www.cnbc.com/select/best-rewards-credit-cards/
• https://wallethub.com/best-credit-cards

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