Best Rewards Credit Cards in 2024

With a variety of credit card rewards programs that change all the time, it's easy to miss best rewards cards and promo offers. Here we gathered top rewards cards with different rewards programs from our partners. Whether you look for cash back, miles rewards, or point rewards credit card, you will find an offer that fits your needs.

March 2024: BEST REWARDS PROGRAM

5
Card Overall Rating
Good to Excellent Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.24% - 18.00% Variable APR
Annual Fee
None
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee

More Rewards Credit Cards

First Tech Choice Rewards World Mastercard® Application
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on First Tech's secure website
5
Card Overall Rating
Good to Excellent Credit
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.50% - 18.00% Variable APR
Annual Fee
None

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
4
Card Overall Rating
Excellent / Good / Fair Credit
  • Earn unlimited cash back at millions of merchants. No restrictions. No rotating categories. No annual fee.272
  • Earn 3% cash back when you check out with PayPal. Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and restrictions.
  • Earn 2% cash back everywhere else Mastercard is accepted.
  • Easily redeem the cash rewards you earn to PayPal anytime, anywhere with the PayPal app and PayPal.com. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
20.24% - 32.24% Variable APR as of 9/1/2023272
Annual Fee
None
5
Card Overall Rating
Excellent / Good Credit
  • Enjoy 0% Intro APR on Purchases for up to 15 months; a variable go-to APR applies after that.
  • Earn up to 5% cash back or up to 3x points on purchases.
  • Earn up to 60,000 bonus miles/points as a sign-up bonus.
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Regular Purchase APR
See Terms
Annual Fee
$0

This offer is not available in U.S. territories.

4
Card Overall Rating
Excellent/Good Credit
  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.
  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
  • Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
  • No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
  • Manage your card and finances using Rocket Money app.
  • Digital card security with built-in features, like Freeze Card.
  • Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
  • See if you’re preapproved in as little as 2 minutes with no impact to your credit score.

This offer is not available in U.S. territories.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
20.99% to 30.99%, based on your creditworthiness
Annual Fee
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
4
Card Overall Rating
  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
29.99% or 36% Fixed
Annual Fee
As low as $85

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0

Getting Credit Cards With Rewards

If you are new to the world of rewards, all those points, miles, cash back and sign-up bonuses may sound like some trick issuers use to make you apply for their card. However, when you understand how all rewards programs work and how much you can save using a rewards credit card, you won't be that skeptical any more.

To get into the swing of rewards credit cards, start using a cash back credit card with fixed cash back rewards on purchases. Cash back rewards are plain and easy to comprehend: you simply get some percentage back form every purchase you make with the card. Standard cash back reward is 1% cash back. Earned cash back can be easily redeemed for cold cash or statement credits.

Points and miles rewards are pretty much the same: you get a number of points/miles per dollar spent on purchases. Standard reward is 1 mile or 1 point, and it is usually worth 1 penny when you translate it into cash, but it may vary depending on redemption conditions.

When you fill confident enough, you can try co-branded credit cards. They usually allow to earn points or miles rewards on purchases in specific categories like travel, gas, dining out, or entertainment. Co-branded cards are good for travelers, avid shoppers and to anyone who find themselves loyal to a store, airline or a hotel.

When you choose a rewards credit card, it always comes to your shopping habits, expenses, and needs. You won't need an airline credit card if you do not travel by plane, and you won't definitely need a gas rewards credit card if you do not have a car. So, think first, then calculate your potential rewards and then apply for a rewards credit card.

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Ask Our Experts or Read Credit Card FAQs
A cashback card is a card that gives you cash back as rewards. Basically this means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit card issuer that produces your...
What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good...
There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand's purchases, some minor rewards or special financing. However, you pay for...
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