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Best rewards credit cards of December 2024

Updated December 10, 2024

Advertiser Disclosure: 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 and how we rate our cards.

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Showing 15 results

Best for entertainment

Capital One Savor Cash Rewards Credit Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
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on Capital One's secure site

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Intro offer

$200 Cash Back

Rewards rate

1% - 8%

Annual fee

$0

Regular APR

19.49% - 29.49% (Variable)

Why you'll like this: Its boosted cash back rate in popular spending categories makes it a great standalone option.

Best for travel bonus

Capital One Venture Rewards Credit Card

Bankrate score

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4.9
Bankrate review
Recommended credit score:(670 - 850)
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on Capital One's secure site

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Intro offer

75,000 miles

Rewards rate

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.49% (Variable)

Why you'll like this: It boasts solid short- and long-term value with its flat rewards rate and new welcome offer, which offers a terrific return on spend.

Best for groceries

Blue Cash Preferred® Card from American Express

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn $250

Rewards rate

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

18.49%-29.49% Variable

Why you'll like this: It boasts the highest cash back rate available at U.S. supermarkets.

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
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on Wells Fargo's secure site

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Intro offer

$200 cash rewards

Rewards rate

2%

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Best starter travel card

Chase Sapphire Preferred® Card

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
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on Chase's secure site

Intro offer

60,000 bonus points

Rewards rate

1x - 5x

Annual fee

$95

Regular APR

20.74% - 27.74% Variable

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

Best for hotel bookings

Citi Strata Premier℠ Card

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site

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Intro offer

75,000 bonus points

Rewards rate

1X - 10X

Annual fee

$95

Regular APR

20.49% - 28.49% (Variable)

Why you'll like this: It has a valuable welcome offer and an annual hotel credit that can easily offset its annual fee.

Best for luxury travel

The Platinum Card® from American Express

Bankrate score

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4.8
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 80,000 points

Rewards rate

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Why you'll like this: It’s perfect for luxury-minded travelers who spare no expense when booking airfare or hotels and want the most with every experience.

Best for food and travel

American Express® Gold Card

Bankrate score

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4.9
Bankrate review
Recommended credit score:(670 - 850)
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on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

60,000 points

Rewards rate

1X - 4X

Annual fee

$325

APR

See Pay Over Time APR

Why you'll like this: Along with its terrific perks for foodies, it offers valuable rewards on everyday spending.

LIMITED TIME OFFER

Best for online shopping

Prime Visa

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
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on Amazon's secure site

Intro offer

Get a $150 Amazon Gift Card

Rewards rate

1% - 10%

Annual fee

$0

Regular APR

19.74% - 28.49% Variable

Why you'll like this: It boasts a terrific rewards rate on Amazon purchases, which can cover a slew of household items, entertainment, gifts, food and more.

Best for category variety

Discover it® Cash Back

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on Discover's secure site

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Intro offer

Cashback Match

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

18.49% - 27.49% Variable APR

Why you'll like this: It offers the best rewards rate you can get in several popular categories over the course of the year.

Best for affordable travel perks

Capital One Venture X Rewards Credit Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(740 - 850)
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on Capital One's secure site

See Rates & Fees

Intro offer

75,000 miles

Rewards rate

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.49% (Variable)

Why you'll like this: You’ll get access to a handful of the most useful and valuable travel perks out there without breaking the bank.

Best for gas

Citi Custom Cash® Card

Bankrate score

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4.4
Bankrate review
Recommended credit score:(670 - 850)
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on Citi's secure site

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Intro offer

$200

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

18.49% - 28.49% (Variable)

Why you'll like this: It offers a top cash back rate in several everyday categories and is flexible enough to fit with nearly any rewards strategy.

Best for paying rent

Bilt Mastercard®

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
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on Bilt's secure site

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Intro offer

N/A

Rewards rate

1X Points - 3X Points

Annual fee

$0

Regular APR

See Terms

Best no-annual-fee travel card

Capital One VentureOne Rewards Credit Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

20,000 miles

Rewards rate

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.49% - 29.49% (Variable)

Why you'll like this: Earning travel rewards is simple and low risk thanks to its solid flat rewards rate and $0 annual fee.

Best for everyday travel

Wells Fargo Autograph℠ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

20,000 bonus points

Rewards rate

1X - 3X

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

compare
Compare

Compare Bankrate’s top rewards credit cards

Card name Our pick for Rewards highlights
Annual fee
Bankrate review score

Entertainment 

8% cash back on Capital One Entertainment purchases

5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)

3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®)

Bankrate’s rewards value: 1.7 cents per point*

 
 
$0

5.0 / 5

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(Read card review)
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on Capital One's secure site

Travel bonus

5X miles on hotels and rental cars booked through Capital One Travel
 
2X miles on every purchase
 
Bankrate’s rewards value: 1.7 cents per mile*
 
$95

4.9 / 5

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(Read card review)
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on Capital One's secure site
Groceries

6% cash back on select U.S. streaming subscriptions and at U.S. supermarkets (up to $6,000 per year in supermarket purchases, then 1%)

3% cash back on U.S. gas station and transit purchases

Bankrate’s rewards value: 2.0 cents per point*

 
$0 intro annual fee for the first year, then $95.

4.4 / 5

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on American Express's secure site
See Rates & Fees , Terms Apply
Flat-rate cash rewards

2% cash rewards on purchases

Bankrate’s rewards value: 1.0 cents per point*

 

 

 

 
$0

4.3 / 5

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on Wells Fargo's secure site