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Best Credit Cards of August 2024

Updated July 24, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. 

That’s why Bankrate’s experts rated and reviewed over 250 cards of the top card offers on the market to create our list of the best credit cards of 2024. We’ve evaluated each card based on its rewards value, rates and fees, welcome offers, customer experience, cardholder perks and more to give you a clear sense of where it shines and where it may fall short. In addition to Bankrate’s review scores, check out our deep dive into each card to see if it’s a good fit for your wallet (and pick up pro tips for maximizing its value).

So whether you’re looking for a rewards powerhouse, a money-saving 0-percent intro APR or a reliable way to build credit, one of these cards from our partners should be a great fit.

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Best Rewards Credit Card Offers

Best for dining and entertainment

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Along with its hard-to-find entertainment category, it earns rewards in lucrative everyday spending categories.

Best for point value

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

60,000 bonus points

$1,200 value
Info

Rewards rate

Info

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% Variable

Why you’ll like this card: It boasts terrific rewards value with its annual bonus points, practical bonus categories, high-value points and redemption flexibility.

Best Cash Back Card Offers

Best overall

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

$200 cash rewards

Rewards rate

Info

2%

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: Its top-tier flat rewards rate and redemption flexibility make it a well-rounded card suited to nearly any card stack.

Best for rotating categories

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Why you’ll like this card: The rotating categories and Cashback Match bonus allow you to earn massive cash back on a huge variety of purchases.

Best Balance Transfer Card Offers

Best for long intro APR

Bankrate score

Rating: 4.3 stars out of 5
4.3
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Purchase intro APR

0% intro APR for 21 months from account opening

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Intro offer

Info

N/A

Rewards rate

Info

N/A

Why you’ll like this card: It will give you as much low-interest breathing room as possible while you pay off debt or finance purchases.

Best for balance transfers with excellent credit

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Balance transfer intro APR

0% for 21 months on Balance Transfers

Regular APR

18.24% - 28.99% (Variable)

Rewards rate

Info

N/A

Annual fee

$0

Best 0% Intro APR Card Offers

Best for bonus offer

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Purchase intro APR

0% intro on purchases for 15 months

Regular APR

19.99% - 29.99% (Variable)

Intro offer

Info

20,000 miles

Rewards rate

Info

1.25 Miles - 5 Miles

Why you’ll like this card: It’ll rack up miles even if you don’t spend much on travel, and you can transfer miles to partner airlines for a chance at a higher redemption value.

Best standalone rewards card

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Purchase intro APR

0% Intro APR on Purchases for 15 months

Regular APR

20.49% - 29.24% Variable

Intro offer

Info

Up to $300 cash back

Rewards rate

Info

1.5% - 5%

Why you’ll like this card: It’s one of the only cards that offers both a flat 1.5X points on all purchases and bonus rewards in popular categories like dining and travel.

Best Travel Card Offers

Best for no-frills benefits

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It offers valuable perks at a much lower cost than other premium cards, including annual travel credits, airport lounge access and more.
Limited Time Offer

Best for bonus offer

Bankrate score

Rating: 4.9 stars out of 5
4.9
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

Earn 75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: It’s currently offering one of its best-ever sign-up bonuses, which adds terrific short-term value to an already lucrative, flexible travel card.

Best No Annual Fee Card Offers

Best starter rewards card

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: You can keep things simple with its flat rewards rate and straightforward redemption.

Best for gas and transit

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

20,000 bonus points

$200 value
Info

Rewards rate

Info

1X - 3X

Annual fee

$0

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Why you’ll like this card: It boasts a terrific mix of everyday bonus categories, making it easy to earn rewards, even if your travel spending is mostly on your commute.

Best Business Credit Card Offers

Best business card with no annual fee

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

Earn up to $750 bonus cash back

$750 value
Info

Rewards Rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

Why you’ll like this card: Its rewards rates, business-focused bonus categories and sign-up bonus are some of the best on the market for no annual fee.

Best flat-rate cash back business card

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$1,200 cash back

$1200 value
Info

Rewards Rate

Info

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you’ll like this card: It carries perhaps the highest unlimited flat cash back rate you can get on a business card, so the annual fee can be easy to offset for some spenders.