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Best rewards credit cards of October 2024

Updated October 06, 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.

Best rewards credit cards of October 2024

Updated October 06, 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 22 results

LIMITED-TIME OFFER

Best for point value

Chase Sapphire Preferred® Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Chase's secure site

Intro offer

$300 Chase Travel℠ Credit + 60,000 bonus points

Rewards rate

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% 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 entertainment

Capital One SavorOne Cash Rewards Credit Card

Bankrate score

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5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
See Rates & Fees

Intro offer

$200

Rewards rate

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

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

Best for online shopping

Prime Visa

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Amazon's secure site

Intro offer

Get a $150 Amazon Gift Card

Rewards rate

1% - 10%

Annual fee

$0

Regular APR

19.99% - 28.74% 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 food and travel

American Express® Gold Card

Bankrate score

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4.9
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

60,000 points + earn up to $100 back

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.

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
See Rates & Fees

Intro offer

N/A

Rewards rate

1X Points - 3X Points

Annual fee

None

Regular APR

See Terms

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

18.74% - 28.74% (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 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 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

19.74%, 24.74%, or 29.74% Variable APR

Best no-annual-fee travel card

Capital One VentureOne Rewards Credit Card

Bankrate score

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4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
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Intro offer

20,000 miles

Rewards rate

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (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 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
See Rates & Fees

Intro offer

75,000 miles

Rewards rate

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (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)
Apply nowLock
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

18.74%-29.74% Variable

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

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)
Apply nowLock
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% - 29.99% (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 everyday travel

Wells Fargo Autograph℠ Card

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
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on Wells Fargo's secure site
See Rates & Fees

Intro offer

20,000 bonus points

Rewards rate

1X - 3X

Annual fee

$0

Regular APR

19.74%, 24.74%, or 29.74% Variable APR

Best for flexible credits

Wells Fargo Autograph Journey℠ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.9
Bankrate review
Recommended credit score:(670 - 850)
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on Wells Fargo's secure site
See Rates & Fees

Intro offer

60,000 bonus points

Rewards rate

1X - 5X

Annual fee

$95

Regular APR

20.74%, 25.74%, or 29.74% Variable APR

Best for category variety

Discover it® Cash Back

Bankrate score

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star iconstar iconstar iconstar iconstar icon
4.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Discover's secure site
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Intro offer

Cashback Match

Rewards rate

1% - 5%

Annual fee

$0

Regular APR

17.74% - 27.74% 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 starter rewards card

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

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3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Capital One's secure site
See Rates & Fees

Intro offer

$200

Rewards rate

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you'll like this: The streamlined rewards program and flat cash back rate make it an easy-to-maximize option for beginners.

Best for hotel bookings

Citi Strata Premier℠ Card

Bankrate score

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4.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Citi's secure site
See Rates & Fees

Intro offer

70,000 bonus points

Rewards rate

1X - 10X

Annual fee

$95

Regular APR

20.74% - 28.74% (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 card for everyday spending

Chase Freedom Unlimited®

Bankrate score

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

Intro offer

Up to $300 cash back

Rewards rate

1.5% - 5%

Annual fee

$0

Regular APR

20.49% - 29.24% Variable

Why you'll like this: Its solid base rewards rate and boosted rates in practical categories make it a great pick for everyday spending.

Best for savers

Bank of America® Premium Rewards® credit card

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Bank of America's secure site

Intro offer

60,000 points

Rewards rate

1.5X - 2X

Annual fee

$95

Regular APR

20.74% - 28.74% Variable APR on purchases and balance transfers

Why you'll like this: This travel card may easily offset its annual fee with an annual airline incidental credit that can cover fees for checked bags, flight changes and more.

Best rewards value

Chase Sapphire Reserve®

Bankrate score

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5.0
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock
on Chase's secure site

Intro offer

60,000 bonus points

Rewards rate

1x - 10x

Annual fee

$550

Regular APR

22.49% - 29.49% Variable

Why you'll like this: Your points are worth 50 percent more if you redeem for Chase travel — the best value you’ll get on a general travel card without transferring.

Best for small-business owners

American Express® Business Gold Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on American Express's secure site
See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards rate

1X - 4X

Annual fee

$375

Regular APR

18.99% - 27.99% Variable

Why you'll like this: It earns valuable travel rewards in several popular business spending categories, making it easy to maximize.

Best for simplicity

Synchrony Premier World Mastercard®

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
2.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock
on Synchrony's secure site

Intro offer

N/A

Rewards Rate

2%

Annual fee

$0

Regular APR

19.24% - 34.99% Variable APR as of April 30, 2024

Why you'll like this: Its flat rewards rate and streamlined redemption make it a great fit if you want to make earning cash as simple as possible.

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