15 Best Rewards Credit Cards of June 2024

Credit cards with rewards can be a great way to earn something back on your everyday purchases. But with so many options, it's tough to know which one is right for you. This guide simplifies your search by outlining the top 15 rewards credit cards available in the US. We'll explain what each card offers, from cash back to travel points, and highlight any fees involved. So, whether you're a frequent traveler or just looking for everyday rewards, this guide will help you find the perfect card to fit your needs.

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The Chase Sapphire Preferred® Card is a top choice for travelers, offering substantial rewards on travel and dining purchases. With a valuable sign-up bonus and flexible redemption options through Chase Ultimate Rewards, it's perfect for those who want to maximize their travel benefits.

Chase Sapphire Preferred® Card

On Chase Bank USA

Benefits

• Rewards: Earn 3X points on dining, 2X points on travel, and 1X points on all other purchases.
• Sign-Up Bonus: 75,000 bonus points after spending $4,000 in the first three months.
• Redemption: Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards. Transfer points 1:1 to leading airline and hotel loyalty programs.
• Additional Partners: Earn 5X total points on Lyft rides and 5x total points on Peloton equipment and accessories (through March 2025).

Fees

• Annual Fee: $95.
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate on dining and travel
• Generous sign-up bonus
• Points worth more when redeemed for travel through Chase Ultimate Rewards
• No foreign transaction fees
• Additional points on Lyft and Peloton purchases

Cons

• Annual fee
• No intro APR offer

The Citi® Double Cash Card is a straightforward cash back card, offering 2% cash back on all purchases with no categories to track. It's an excellent option for those seeking a simple and effective way to earn cash back on everyday spending.

Citi® Double Cash Card

On Citi Bank USA

Benefits

• Rewards: Earn 2% cash back on all purchases - 1% when you buy, and 1% when you pay.
• Sign-Up Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.
• Redemption: Cash back can be redeemed as a statement credit, direct deposit, or check.

Fees

• Annual Fee: $0.
• Other Fees: Balance transfer fee applies.

Pros

• Simple and straightforward cash back rewards
• No annual fee
• Multiple redemption options

Cons

• Balance transfer fee

Designed for foodies and travelers, the American Express® Gold Card offers high rewards rates on dining and U.S. supermarket purchases. With valuable Membership Rewards points and substantial dining and airline credits, it's ideal for those who spend heavily in these categories.

American Express® Gold Card

On American Express

Benefits

• Rewards: Earn 4x points at restaurants, including takeout and delivery, and 4x points at U.S. supermarkets (up to $25,000 per year), 3x points on flights (Booked directly with airlines or on amextravel.com).
• Sign-Up Bonus: 90,000 points after spending $6,000 in the first six months.
• Redemption: Points can be redeemed for travel, gift cards, or statement credits.

Fees

• Annual Fee: $250.
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate at restaurants and U.S. supermarkets
• Generous sign-up bonus
• Flexible redemption options
• No foreign transaction fees

Cons

• Annual fee of $250

The Discover it® Cash Back card offers rotating 5% cash back categories and matches all cash back earned in the first year. It's a great choice for those who can take advantage of its high rewards categories and appreciate no annual fee.

Discover it® Cash Back

On Discover

Benefits

• Rewards: 5% cash back on rotating quarterly categories (up to $1,500 per quarter) and 1% on all other purchases.
• Sign-Up Bonus: Unlimited cash back match for the first year.
• Redemption: Cash back can be redeemed as a statement credit, direct deposit, or gift cards.

Fees

• Annual Fee: $0.
• Other Fees: No foreign transaction fees.

Pros

• High cash back rate on rotating categories
• First-year cash back match
• No annual fee
• No foreign transaction fees

Cons

• Requires activation for quarterly categories
• Quarterly category cap on 5% cash back

The Capital One Venture Rewards Credit Card is a versatile travel card that offers 2x miles on all purchases. With a generous sign-up bonus and flexible redemption options, it suits frequent travelers looking for straightforward earning and redemption.

Capital One Venture Rewards Credit Card

On Capital One Bank USA

Benefits

• Rewards: Earn 2x miles on every purchase.
• Sign-Up Bonus: 75,000 miles after spending $4,000 in the first three months.
• Redemption: Miles can be redeemed for travel expenses or transferred to over 15 travel loyalty programs.

Fees

• Annual Fee: $95.
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate on all purchases
• Generous sign-up bonus
• Flexible redemption options including travel and transfer to loyalty programs
• No foreign transaction fees

Cons

• Annual fee of $95
• Requires good to excellent credit for approval

The Blue Cash Preferred® Card from American Express is ideal for families and individuals with high spending on groceries and streaming services, offering substantial cash back in these categories. It also provides good rewards on transit and gas, making it a well-rounded card for everyday expenses.

Blue Cash Preferred® Card from American Express

On American Express

Benefits

• Rewards: 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations, 3% on transit, and 1% on other purchases.
• Sign-Up Bonus: $250 after spending $3,000 in the first six months.
• Redemption: Cash back can be redeemed as a statement credit.

Fees

• Annual Fee: $95.
• Other Fees: 2.7% foreign transaction fee.

Pros

• High cash back rates on groceries and streaming.
• Generous sign-up bonus.
• Flexible redemption options.

Cons

• Annual fee of $95.
• Foreign transaction fee of 2.7%.
• Limits on supermarket rewards.

The Bank of America® Customized Cash Rewards Credit Card offers flexibility with its customizable 3% cash back category and solid rewards on groceries and wholesale clubs. It's a great no-annual-fee card for those who want to tailor their rewards to their spending habits.

Bank of America® Customized Cash Rewards Credit Card

On Bank of America

Benefits

• Rewards: 3% cash back in a category of your choice (e.g., gas, online shopping, dining), 2% at grocery stores and wholesale clubs, and 1% on other purchases.
• Sign-Up Bonus: $200 after spending $1,000 in the first 90 days.
• Redemption: Cash back can be redeemed as a statement credit or direct deposit.

Fees

• Annual Fee: $0.
• Other Fees: 3% foreign transaction fee.

Pros

• No annual fee.
• Customizable 3% cash back category.
• Generous sign-up bonus.

Cons

• 3% foreign transaction fee.
• Cash back categories have limits.

The Wells Fargo Active Cash® Card provides a straightforward rewards structure with unlimited 2% cash back on all purchases. With no annual fee and a generous sign-up bonus, it’s perfect for those seeking simplicity and value in a cash back card.

Wells Fargo Active Cash® Card

On Wells Fargo

Benefits

• Rewards: Earn 2% cash back on all purchases.
• Sign-Up Bonus: $200 after spending $500 in the first three months.
• Redemption: Cashback can be redeemed as a statement credit, direct deposit, or for purchases.

Fees

• Annual Fee: $0.
• Other Fees: 3% foreign transaction fee.

Pros

• No annual fee.
• Simple, flat-rate cash back.
• Flexible redemption options.

Cons

• 3% foreign transaction fee.
• No bonus categories for higher rewards.

The American Express® Blue Business Cash™ Card offers 2% cash back on eligible business purchases up to $50,000 per year. It’s designed for small business owners who want to earn straightforward cash back with no annual fee.

American Express® Blue Business Cash™ Card

On American Express

Benefits

• Rewards: Earn 2% cash back on all eligible purchases up to $50,000 per year, then 1%.
• Sign-Up Bonus: $250 after spending $3,000 in the first three months.
• Redemption: Cashback is automatically credited to your statement.

Fees

• Annual Fee: $0.
• Other Fees: 2.7% foreign transaction fee.

Pros

• No annual fee.
• Flat 2% cash back on eligible purchases up to $50,000 per year.
• Automatic cash back redemption.

Cons

• 2.7% foreign transaction fee.
• Cash back drops to 1% after $50,000 in purchases per year.

The U.S. Bank Cash+® Visa Signature® Card allows you to earn 5% cash back in two categories of your choice each quarter. With no annual fee and customizable rewards, it’s a flexible option for maximizing cash back on your preferred spending categories.

U.S. Bank Cash+® Visa Signature® Card

On U.S. Bank

Benefits

• Rewards: 5% cash back on two categories of your choice (up to $2,000 per quarter), 2% on one everyday category, and 1% on other purchases.
• Sign-Up Bonus: $200 after spending $1,000 in the first 90 days.
• Redemption: Cashback can be redeemed as a statement credit or direct deposit.

Fees

• Annual Fee: $0.
• Other Fees: 3% foreign transaction fee.

Pros

• No annual fee.
• Flexible 5% cash back categories.
• Generous sign-up bonus.

Cons

• 3% foreign transaction fee.
• Requires activation of categories each quarter.

The Hilton Honors American Express Surpass® Card is a rewarding option for frequent Hilton guests, offering high points on Hilton purchases and substantial rewards on dining, groceries, and gas. With no foreign transaction fees, it’s excellent for international travelers.

Hilton Honors American Express Surpass® Card

On American Express

Benefits

• Rewards: Earn 12x points On Hotels & Resorts, 6x points on Dining at U.S. Restaurants, supermarkets, and gas stations, 4x points on U.S Online retail purchases, and 3x points on other purchases.
• Sign-Up Bonus: 130,000 points after spending $3,000 in the first six months.
• Redemption: Points can be redeemed for hotel stays, experiences, and more.

Fees

• Annual Fee: $150.
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate at Hilton properties.
• No foreign transaction fees.
• Generous sign-up bonus.

Cons

• Annual fee of $95.
• Limited reward redemption options outside Hilton portfolio.

The Amazon Prime Rewards Visa Signature Card offers impressive rewards for Amazon and Whole Foods shoppers, with 5% cash back in these categories. With no annual fee for Prime members, it’s a must-have for frequent Amazon users.

Amazon Prime Rewards Visa Signature Card

On Amazon

Benefits

• Rewards: 3% cash back at Amazon.com, 5% cash back on eligible Prime membership and 3% Cashback on Whole Foods Market, 2% at restaurants, gas stations, and drugstores, and 1% on other purchases.
• Sign-Up Bonus: $100 Amazon gift card upon approval.
• Redemption: Cashback can be redeemed on Amazon.com or as a statement credit.

Fees

• Annual Fee: $0
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate at Amazon and Whole Foods Market.
• No annual fee.
• No foreign transaction fees.
• Instant $100 Amazon gift card upon approval.

Cons

• Requires an Amazon Prime membership.
• Limited higher rewards categories.
• Best for frequent Amazon and Whole Foods shoppers.

The Southwest Rapid Rewards® Plus Credit Card is tailored for Southwest Airlines travelers, offering 2x points on Southwest purchases. With a generous sign-up bonus and points redeemable for various travel options, it’s a great choice for loyal Southwest customers.

Southwest Rapid Rewards® Plus Credit Card

On Chase

Benefits

• Rewards: Earn 2x points on Southwest purchases and 1x points on other purchases.
• Sign-Up Bonus: 50,000 points after spending $1,000 in the first three months.
• Redemption: Points can be redeemed for flights, hotel stays, and car rentals.

Fees

• Annual Fee: $69.
• Other Fees: 3% foreign transaction fee.

Pros

• Generous sign-up bonus of 50,000 points.
• 2x points on Southwest purchases.
• Points can be redeemed for flights, hotel stays, and car rentals.

Cons

• Annual fee of $69.
• 3% foreign transaction fee.
• Best for frequent Southwest flyers.

The Marriott Bonvoy Boundless® Credit Card offers high rewards on Marriott purchases and valuable points on everyday spending. With a substantial sign-up bonus and annual free night, it’s ideal for frequent Marriott guests looking to maximize their stays.

Marriott Bonvoy Boundless® Credit Card

On Marriott

Benefits

• Rewards: Earn 6x points at Marriott Bonvoy hotels, 3x points on the first $6,000 spent in combined purchases on grocery stores, gas stations, and dining each year, and 2x points on all other purchases.
• Sign-Up Bonus: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 in the first three months.
• Redemption: Points can be redeemed for free nights, experiences, and more within the Marriott Bonvoy program.

Fees

• Annual Fee: $95.
• Other Fees: No foreign transaction fees.

Pros

• High rewards rate at Marriott Bonvoy properties.
• No foreign transaction fees.
• Generous sign-up bonus of 150,000 points.
• Annual free night award.

Cons

• Annual fee of $95.
• Limited rewards categories outside of Marriott purchases.
• Best for frequent Marriott travelers.

The Capital One SavorOne Cash Rewards Credit Card offers excellent rewards on dining, entertainment, and grocery store purchases, with no annual fee. It’s perfect for those who enjoy dining out and entertainment while earning cash back on everyday expenses.

Capital One SavorOne Cash Rewards Credit Card

On Capital One

Benefits

• Rewards: Earn 5% cash back on hotels and rental cars booked through Capital One Travel, Earn 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases.
• Sign-Up Bonus: $200 cash bonus after spending $500 in the first three months.
• Redemption: Cash back can be redeemed in any amount at any time for statement credits, checks, or gift cards.

Fees

• Annual Fee: $0.
• Other Fees: No foreign transaction fees.

Pros

• No annual fee.
• High rewards rate on dining and entertainment.
• No foreign transaction fees.
• Generous sign-up bonus with low spending requirement.

Cons

• Lower rewards rate on general purchases.
• Excludes superstores like Walmart® and Target® for grocery rewards.

Conclusion

When selecting a credit card, consider your primary spending categories, travel habits, and the benefits that align with your lifestyle. Whether you prioritize travel rewards, cash back, or specific perks like dining and entertainment rewards, there is a card that fits your needs. Make sure to review the full details of each card, including fees and redemption options, to choose the one that will provide you with the most value. By selecting the right card, you can maximize your rewards and enjoy the benefits that suit your financial goals and lifestyle.

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