Best Credit Cards of November 2024

Best Cards

Best Credit Cards of November 2024

When looking for the best cards, it is essential to pay attention to more than one factor, often based on your financial needs and lifestyle. From low interest rates to various benefits, every element can help you narrow down your decision. In 2024, many cards appealed to us due to their customer service, added bonuses, and credit score requirements.

Knowing about each card in-depth is, unfortunately, exhausting, and it can take a significant chunk of your time. But worry not. Here, we’ve reviewed the best cards of 2024 to help you find a card that suits your requirements perfectly. We’ve highlighted several key factors, such as interest rates, annual fees, and other rewards and benefits. And, as always has been our practice, the reviews are based on our personal views and are not influenced by other factors.

So, we invite you to go through the best cards of 2024 and hope you find one that’s precisely what you want.

Our Top Pick Tailored To Your Need

FILTER CARDS BY CATEGORY

BEST FOR FLAT-RATE CASH REWARDS

Wells Fargo Active Cash® Card

Our Rating:

4.1 Rewards Rate

2%

Earn unlimited 2% cash rewards on purchases

Intro offer

$200 Cash Rewards

Annual fee

$0

Regular APR

20.24%, 25.24%, Or 29.99% Variable APR

at wells fargo’s secure site

Recommended credit

670-850 (Good To Excellent)

See Your Approval Odds

Card Details

Highlights

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

BEST FOR CATEGORY VARIETY

Discover it® Cash Back

Our Rating:

4.6 Rewards Rate

5%

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

1%

Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer

Cashback Match

Annual fee

$0

Regular APR

17.24% – 28.24% variable

at Discover’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Terms and conditions apply.

BEST FOR FOOD AND ENTERTAINMENT

Capital One SavorOne Cash Rewards Credit Card

Our Rating:

4.1 Rewards Rate

8%

8% Cash Back on Capital One Entertainment purchases

5%

5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

3%

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

1%

1% Cash Back on all other purchases

Intro offer

$200

Annual fee

$0

Regular APR

19.99% – 29.99% variable

at Capital One’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

BEST FOR FOODIES

American Express® Gold Card

Our Rating:

4.1 Rewards Rate

4X

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.

4X

Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

3X

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 Membership Rewards® Points

Annual fee

$250

Regular APR

See Pay Over Time APR

at American Express’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

BEST FOR FLAT-RATE CASH REWARDS

Wells Fargo Active Cash® Card

Our Rating:

4.1 Rewards Rate

2%

Earn unlimited 2% cash rewards on purchases

Intro offer

$200 Cash Rewards

Annual fee

$0

Regular APR

20.24%, 25.24%, Or 29.99% Variable APR

at wells fargo’s secure site

Recommended credit

670-850 (Good To Excellent)

See Your Approval Odds

Card Details

Highlights

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

BEST FOR CATEGORY VARIETY

Discover it® Cash Back

Our Rating:

4.6 Rewards Rate

5%

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

1%

Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer

Cashback Match

Annual fee

$0

Regular APR

17.24% – 28.24% variable

at Discover’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Terms and conditions apply.

BEST FOR FOOD AND ENTERTAINMENT

Capital One SavorOne Cash Rewards Credit Card

Our Rating:

4.1 Rewards Rate

8%

8% Cash Back on Capital One Entertainment purchases

5%

5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

3%

3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

1%

1% Cash Back on all other purchases

Intro offer

$200

Annual fee

$0

Regular APR

19.99% – 29.99% variable

at Capital One’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee

BEST FOR FOODIES

American Express® Gold Card

Our Rating:

4.1 Rewards Rate

4X

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.

4X

Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).

3X

Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 Membership Rewards® Points

Annual fee

$250

Regular APR

See Pay Over Time APR

at American Express’s secure site

Recommended credit

670-850 (Good to Excellent)

See Your Approval Odds

Card Details

Highlights

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Best Credit Cards - Frequently Asked Questions

Which is the best credit card for me?

The best credit card for you depends on your financial goals and lifestyle. In any case, it’s best to consider these factors: the interest rate, cashback rewards, customer service, and more.

What are cashback rewards?

A cashback reward is a specific percentage of the amount spent on purchases returned to the cardholder in cash. These rewards can be a great way to earn money back on everyday spending.

What additional features should I look for in a credit card?

Credit cards often offer additional features beyond the basic ability to make purchases and earn rewards, such as fraud protection and travel insurance. These features can provide added value, convenience, and protection for cardholders.

Explore additional credit card options:

Our Methodology And Research

Credit Cards Analyzed

Banks
Analyzed

Criteria Used

Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.