Best Credit Cards in the United States 2024 – Top Credit Card United States

Best Credit Card for travel rewards:

• Chase Sapphire Preferred® Card: Earns 2x points on travel and dining, and points can be transferred to leading travel partners like airlines and hotels. It also offers a generous welcome bonus and a $95 annual fee.
• Capital One Venture Rewards Credit Card:
  Earns unlimited 2x miles on all purchases, and miles can be transferred to a variety of travel partners or used to book travel directly through Capital One. It has a $95 annual fee.

Best Credit Card for cash back

• Chase Freedom Unlimited® Card: Earns 5% cash back on rotating quarterly bonus categories (up to $1,500 in spending per quarter), 1% cash back on all other purchases, and no annual fee.
• Citi Double Cash Card: Earns 2% cash back on all purchases, with no annual fee. This is a simple and straightforward cash back card that’s a good option for those who don’t want to keep track of rotating categories.

Best Credit Card for balance transfers:

• Citi Simplicity® Card: Offers an intro 0% APR on balance transfers for 21 months (then 18.49% – 29.49% variable APR), a low 6.99% – 18.49% variable APR on purchases, and no annual fee. This is a good option for those who want to consolidate high-interest debt at a low rate.
• Wells Fargo Reflect® Card: Offers an intro 0% APR on balance transfers for 15 months (then 17.99% – 28.99% variable APR), a low 6.99% – 24.99% variable APR on purchases, and a $20 annual fee. This is another good option for those who want to consolidate high-interest debt, but it has a shorter intro period than the Citi Simplicity® Card.

Best Credit Card for students:

• Discover it® Student Cash Back: Earns 5% cash back on up to $1,500 in purchases at different select categories each quarter, 1% cash back on all other purchases, and no annual fee. It also offers a student-friendly application process and benefits like purchase protection and cell phone insurance.
• Capital One SavorOne Student Cash Back: Earns 3% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases. It also offers a $200 bonus after spending $500 on purchases in the first 3 months, and no annual fee.

Please note that this is not an exhaustive list, and the best credit card for you will depend on your individual needs and spending habits. It is important to compare different cards and choose the one that offers the best benefits for you.

Read more: Which chase credit card is best?