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Best rewards credit cards of July 2024

Updated July 11, 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

Rewards credit cards are a great way to earn points, miles or cash back on your spending. Cash back is typically the simplest form of rewards, but miles or points may offer higher redemption value, especially for travel.

These card offers from our partners carry some of the best rewards rates, value and perks out there, with each issuer offering a variety of options to suit your unique spending habits. Whether you need a flat-rate rewards card to cover any purchase, a card that earns at a high rate in specific categories or a card that offers rotating or customizable categories, we’ll help you find the card that gets you closer to your goals.

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Best for flat-rate travel rewards

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

Best starter travel 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

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 for hotel bookings

Bankrate score

Rating: 4.5 stars out of 5
4.5
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

70,000 bonus points

$1,120 value
Info

Rewards rate

Info

1X - 10X

Annual fee

$95

Regular APR

21.24% - 29.24% (Variable)

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

Best for food and travel

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 60,000 Membership Rewards® Points

$1,200 value
Info

Rewards rate

Info

3X - 4X

Annual fee

$250

APR

See Pay Over Time APR

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

Best for flat-rate cash rewards

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: It’s a great foundation for your rewards card strategy thanks to its high flat cash rewards rate.

Best no-annual-fee travel card

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

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

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

Best overall

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: Its boosted cash back rate in popular spending categories makes it a great standalone option.

Best for luxury travel

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 80,000 points

$1,600 value
Info

Rewards rate

Info

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Why you’ll like this card: 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 easy-to-earn credits

Bankrate score

Rating: 3.9 stars out of 5
3.9
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Wells Fargo's secure site

Intro offer

Info

60,000 bonus points

$600 value
Info

Rewards rate

Info

1X - 5X

Annual fee

$95

Regular APR

21.24%, 26.24%, or 29.99% Variable APR

Why you’ll like this card: It offers elevated rewards in key travel categories and generous perks for a modest annual fee.

Best for affordable travel perks

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

Best card for everyday spending

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

Up to $300 cash back

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

20.49% - 29.24% Variable

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

Best for category variety

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: It offers the best rewards rate you can get in several popular categories over the course of the year.