Connect with us

    Business

    11 Best Rewards Credit Cards in January 2024 in USA

    Published

    on

    Best Rewards Credit Cards

    Best Rewards Credit Cards: Rewards credit cards allow cardholders to earn points, miles, or cash back on purchases. With so many options, it can be difficult to identify the top rewards cards available today. Based on points earning rates, redemption values, and benefits, here are the 16 best rewards credit cards in January 2024 in the USA.

    1. Chase Sapphire Preferred

    With strong travel redemption options and bonus categories, the Chase Sapphire Preferred is one of the top travel rewards cards. Key features include:

    • 60,000 point signup bonus worth $750 in travel
    • 5x points on travel booked through Chase
    • 3x points at restaurants, grocery stores, select streaming services
    • $50 annual hotel credit
    • Primary rental car insurance

    Points are worth 1.25 cents each when booking travel through Chase. With a reasonable $95 annual fee, the Sapphire Preferred is a great option for earning rewards on dining and travel.

    Best Rewards Credit Cards

    2. American Express Gold Card

    The Amex Gold Card offers 4x points on dining and groceries, making it a top card for food purchases. Benefits include:

    • 60,000 point welcome bonus
    • 4x points at restaurants and US supermarkets
    • $120 dining credit
    • $100 airline fee credit
    • No foreign transaction fees

    With a $250 annual fee, this card is best for those who frequently dine out and buy groceries. The credits help offset the fee and provide additional statement savings.

    Best Rewards Credit Cards

    3. Chase Freedom Unlimited

    As one of the best no annual fee cash back cards, the Chase Freedom Unlimited offers solid earning rates and redemption options. Benefits include:

    • $200 bonus after spending $500 in first 3 months
    • 1.5% cash back on all purchases
    • 5% cash back on travel booked through Chase
    • No annual fee

    With no annual fee, this is a great card for daily spending and maximizing cash back earnings. Points can be transferred to Chase travel partners when paired with a premium Chase card.

    Best Rewards Credit Cards

    4. Capital One Venture X

    The Capital One Venture X is one of the top travel rewards cards with premium benefits. Highlights include:

    • 75,000 mile welcome bonus
    • 2x miles on all purchases
    • $300 annual statement credit for travel
    • Complimentary airport lounge access
    • Redeem miles for travel statement credits

    Despite a hefty $395 annual fee, the statement credits and lounge access help offset the cost. With flexible redemption and strong bonus earning, this is one of the best premium travel cards.

    Best Rewards Credit Cards

    5. Citi Custom Cash Card

    The Citi Custom Cash Card offers a unique 5% cash back bonus category that you choose each billing cycle. Key features include:

    • $200 sign up bonus after $750 in spending
    • 5% cash back in top eligible spend category
    • 1% cash back on other purchases
    • No annual fee

    This provides flexibility to earn bonus rewards in the categories where you spend the most each month. With no annual fee, the Citi Custom Cash Card is extremely valuable for maximizing category bonuses.

    Best Rewards Credit Cards

    6. Bank of America® Cash Rewards credit card

    With customizable 3% and 2% bonus categories, the Bank of America Cash Rewards card provides options for your spending habits. Benefits include:

    • $200 online cash rewards bonus
    • 3% cash back in category of your choice
    • 2% cash back at grocery stores and wholesale clubs
    • 1% cash back on other purchases
    • No annual fee

    This card allows you to pick from gas, online shopping, dining, travel, drug stores, or home improvement/furnishings for your 3% category each month. This flexibility combined with solid earning rates makes it a top no annual fee cash back card.

    Best Rewards Credit Cards

    7. Wells Fargo Active Cash Card

    The Wells Fargo Active Cash Card has one of the best flat-rate cash back rates available with no annual fee. Benefits include:

    • $200 cash rewards bonus
    • Unlimited 2% cash rewards on purchases
    • Cell phone protection
    • Intro 0% APR offer
    • No annual fee

    Earning an unlimited 2% back on all purchases with no bonus category restrictions is valuable for those who want simple cash back without an annual fee. You can redeem rewards for cash back as a statement credit, deposit, or mobile wallet credit.

    Best Rewards Credit Cards

    8. U.S. Bank Altitude Connect Visa Signature Card

    The U.S. Bank Altitude Connect offers 4x points on travel and at gas stations, plus solid mobile wallet rewards. Benefits include:

    • 50,000 point welcome bonus
    • 4x points on travel and gas
    • 2x points on grocery stores, grocery delivery, streaming services, and EV charging stations
    • 1x point per $1 on other eligible purchases
    • $15 monthly credit for mobile wallet purchases

    There is a reasonable $95 annual fee for this card. With no foreign transaction fees and travel and mobile wallet perks, this card can maximize rewards for daily spending. The welcome bonus value is also among the best available.

    Best Rewards Credit Cards

    9. Blue Cash Preferred Card from American Express

    With 6% cash back at US supermarkets, the Blue Cash Preferred Card from Amex is one of the top options for grocery shopping. Benefits include:

    • $350 statement credit after $3,000 in purchases in the first 6 months
    • 6% cash back at US supermarkets
    • 6% cash back on select US streaming services
    • 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more
    • 1% cash back on other purchases

    There is a $95 annual fee for this card, but the high earning rate on groceries can quickly offset it. This card also provides one of the best cash back rates for streaming services.

    Best Rewards Credit Cards

    10. Citi Premier Card

    With broad 3x bonus categories and a large welcome bonus, the Citi Premier Card is a top contender for everyday rewards. Benefits include:

    • 80,000 point welcome bonus after $4,000 spend in 3 months
    • 3x points on air travel, gas stations, restaurants, supermarkets, hotels, and entertainment
    • 1x points per $1 spent on other purchases
    • $100 annual hotel savings benefit

    There is a $95 annual fee that is well worth it considering the strong welcome bonus and bonus earning potential with this card. The points can also be transferred to airline partners for added redemption value.

    Best Rewards Credit Cards

    11. Chase Ink Business Cash Credit Card

    With no annual fee, the Chase Ink Business Cash Credit Card is one of the best cards for small business rewards. Benefits include:

    • $750 bonus cash back after $7,500 in purchases within 3 months of account opening
    • 5% cash back on up to
    Best Rewards Credit Cards
    Continue Reading

      Copyright © 2023 Finance Biz