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Best Credit Cards of February 2024

Updated February 20, 2024

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.

Best Cash Back Card Offers

Info
awards-badge
2024 Bankrate Awards Winner
Best for 2% cash rewards

Wells Fargo Active Cash® Card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

2%

Rewards rate

Info

Annual fee

Regular APR

Info
awards-badge
2024 Bankrate Awards Winner
Best cash back on everyday spending

Blue Cash Everyday® Card from American Express

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

Regular APR

Best Balance Transfer Card Offers

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Best for balance transfers with excellent credit

Citi® Diamond Preferred® Card

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Citi's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Balance transfer intro APR

Regular APR

N/A

Rewards rate

Info

Annual fee

Info
Best for long intro APR

Wells Fargo Reflect® Card

Rating: 4.3 stars out of 5
4.3
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

0% intro APR for 21 months from account opening

Purchase intro APR

Regular APR

N/A

Intro offer

Info

N/A

Rewards rate

Info

Annual fee

Best 0% Intro APR Card Offers

Best for travel card beginners

Capital One VentureOne Rewards Credit Card

Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

0% intro on purchases for 15 months

Purchase intro APR

Regular APR

Intro offer

Info

1.25 Miles - 5 Miles

Rewards rate

Info

Annual fee

Best Rewards Credit Card Offers

Info
awards-badge
2024 Bankrate Awards Winner
Best for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 8%

Rewards rate

Info

Annual fee

Regular APR

Info
Best starter travel card

Chase Sapphire Preferred® Card

Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1200

Offer valuation

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1x - 5x

Rewards rate

Info

Annual fee

Regular APR

Best Travel Card Offers

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BEST FOR Flexible travel redemption

Capital One Venture Rewards Credit Card

Rating: 4.9 stars out of 5
4.9
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

Info
awards-badge
2024 Bankrate Awards Winner
BEST FOR NO-FRILLS BENEFITS

Capital One Venture X Rewards Credit Card

Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 10 Miles

Rewards rate

Info

Annual fee

Regular APR

Best Business Credit Card Offers

Best flat-rate cash back business card

Capital One Spark Cash Plus

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$3000

Offer valuation

Info

2% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Best business card with no annual fee

Ink Business Cash® Credit Card

Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$750

Offer valuation

Info

1% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Best No Annual Fee Card Offers

Info
Best starter rewards card

Capital One Quicksilver Cash Rewards Credit Card

Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

BEST FOR GAS AND TRANSIT

Wells Fargo Autograph℠ Card

Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Wells Fargo's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$200

Offer valuation

Info

1X - 3X

Rewards rate

Info

Annual fee

Regular APR

Best Airlines Card Offers

Best starter airline card

Southwest Rapid Rewards® Plus Credit Card

Rating: 4.7 stars out of 5
4.7
Info
Apply now Lock
on Chase's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$450

Offer valuation

Info

1X - 2X

Rewards rate

Info

Annual fee

Regular APR

Best for companion certificate

Alaska Airlines Visa® credit card

Rating: 4.7 stars out of 5
4.7
Info
Apply now Lock
on Bank of America's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$770

Offer valuation

Info

1X - 3X

Rewards rate

Info

Annual fee

Regular APR

Best Hotels Credit Card Offers

Best no-annual-fee hotel card

Hilton Honors American Express Card

Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$480

Offer valuation

Info

3X - 7X

Rewards rate

Info

Annual fee

Regular APR

Best Card Offer for Excellent Credit

Info
Best for luxury perks

The Platinum Card® from American Express

Rating: 4.8 stars out of 5
4.8
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1600

Offer valuation

Info

5X - 5X

Rewards rate

Info

Annual fee

Regular APR

Best Card Offer for Good Credit

Info
awards-badge
2024 Bankrate Awards Winner
Best for food and travel

American Express® Gold Card

Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1200

Offer valuation

Info

3X - 4X

Rewards rate

Info

Annual fee

Regular APR

Best Card Offer for Fair Credit

Info
Best for upgrading

Capital One Platinum Credit Card

Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Capital One's secure site
Fair to Good (580 – 740)
Info
Recommended Credit
Info

N/A

Intro offer

Info

Annual fee

Regular APR