Best Credit Cards Of June 2024 (2024)

Table of Contents
Best Travel Rewards Credit Cards of 2024 Best Entry-Level Travel Card Chase Sapphire Preferred® Card Best Flexible Rewards Card Capital One Venture X Rewards Credit Card Best Credit Card for Travel Insurance Chase Sapphire Reserve® Best Credit Card for Luxury Travel and Lifestyle Benefits The Platinum Card® from American Express Best Flat-Rate Rewards Credit Card Capital One Venture Rewards Credit Card Best Credit Cards With Category Bonuses of 2024 Best Credit Card for Groceries Blue Cash Preferred® Card from American Express Best Credit Card for Dining American Express® Gold Card Best Credit Card for Amazon Prime Visa Best Balance Transfer Credit Cards of 2024 Best Balance Transfer Credit Card From Wells Fargo Wells Fargo Reflect® Card Best Balance Transfer Credit Card From U.S. Bank U.S. Bank Visa® Platinum Card * Best 0% APR Credit Cards of 2024 Best 0% APR Credit Card With Everyday Rewards Citi Rewards+® Card Best Cash-Back Credit Cards of 2024 Best Cash-Back Credit Card Chase Freedom Flex® Best Airline Credit Cards of 2024 Best Midtier Airline Card Aeroplan® Credit Card Best Rewards for United Flyers United Quest℠ Card Best for Award Flights and British Airways Flyers British Airways Visa Signature® Card Best Hotel Credit Cards of 2024 Best Midrange Hotel Card IHG One Rewards Premier Credit Card Best for Luxury Hotel Stays The World of Hyatt Credit Card Best Student Credit Cards of 2024 Best Student Card Discover it® Student Cash Back Best Intro APR Student Card Bank of America® Customized Cash Rewards credit card for Students Best Credit Cards for Customers With Fair Credit of 2024 Best Cash-Back Card for Fair Credit Citi Custom Cash® Card Best Credit Cards for Customers With Bad or No Credit of 2024 Best Secured Card for No Credit Discover it® Secured Credit Card Best Secured Card for Bad Credit First Progress Platinum Prestige Mastercard® Secured Credit Card

Best Travel Rewards Credit Cards of 2024

Best Entry-Level Travel Card

Chase Sapphire Preferred® Card

Apply Now Best Credit Cards Of June 2024 (1)

On Chase Bank USA, NA's Website

5.0

Best Credit Cards Of June 2024 (3)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (4)

On Chase Bank USA, NA's Website

Up to 5x Reward Rate

Earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on allRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$95

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

The Chase Sapphire Preferred® Card is a simple travel solution with valuable earning and redeeming rates and a reasonable annual fee.

Why we like it

You have access to all types of redemptions with this card. Its 1:1 rate when transferring Ultimate Rewards to travel partners is fantastic. But you also have the ability to pay with points through Chase Travel℠ for 25% more value if transfers aren’t an option.

What we don’t like

Though the card comes with up to $50 in statement credits toward hotel stays, you can only book through Chase Travel to use it.

Who it’s best for

Frequent travelers wary of an expensive annual fee. If you’re new to paying annual fees, find out what makes the Chase Sapphire Preferred worth the cost.

Expert Commentary

Best Credit Cards Of June 2024 (6)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Best Credit Cards Of June 2024 (7)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

I​​t’s the granddaddy of travel credit cards, but it still earns its reputation as one of the best around with solid bonus categories, strong travel protections, a great set of domestic and international transfer partners and a reasonable annual fee to boot. You can’t go wrong with it as your first travel credit card.

Pros & Cons

  • Earn high rewards on several areas of spending
  • Transfer points to travel partners at 1:1 rate
  • Many travel and shopping protections
  • Annual fee
  • No intro APR offer
  • Best travel earning rates are only for bookings through the Chase Travel portal

Card Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Flexible Rewards Card

Capital One Venture X Rewards Credit Card

Apply Now Best Credit Cards Of June 2024 (8)

On Capital One's Website

4.9

Best Credit Cards Of June 2024 (10)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (11)

On Capital One's Website

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More

Welcome Bonus

Earn 75,000 bonus miles

Annual Fee

$395

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent(750 - 850)

Our Expert Take

The Capital One Venture X Rewards Credit Card comes with the complete package of travel transfer partners, premium benefits and an annual booking credit at a more approachable cost than competitors.

Why we like it

The annual fee is justifiable, thanks to a combination of an annual $300 credit for Capital One Travel bookings and 10,000 bonus miles starting on your first anniversary that offsets it (rates & fees).

What we don’t like

Redemption rates for rewards other than travel are subpar. You’ll get less than 1 cent per point.

Who it’s best for

Travelers looking for top-tier benefits with flat-rate rewards. The Capital One Venture X may be worth it to those spending at least $400 per year on travel expenses.

Expert Commentary

Best Credit Cards Of June 2024 (13)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Best Credit Cards Of June 2024 (14)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits run nearly $700 a year, you’ll only pay a little more than half that for the Venture X. And you’ll still get Capital One and Priority Pass airport lounge access for you and your guests, an annual travel credit and solid earnings on everyday purchases.

Pros & Cons

  • Annual fee lower than others in its category
  • Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
  • Miles are easy to earn and easy to use
  • Lack of domestic airline and upscale hotel travel partners
  • Capital One lounge network in its infancy
  • Lack of hotel status benefits

Card Details

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Card for Travel Insurance

Chase Sapphire Reserve®

Apply Now Best Credit Cards Of June 2024 (15)

On Chase Bank USA, NA's Website

4.9

Best Credit Cards Of June 2024 (17)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (18)

On Chase Bank USA, NA's Website

Up to 10x Reward Rate

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel throughRead More

Welcome Bonus

60,000 bonus points

Annual Fee

$550

Regular APR

22.49%-29.49% Variable

Credit Score

Excellent(750 - 850)

Our Expert Take

The Chase Sapphire Reserve® packages best-in-class travel protections, airport lounge access, travel credits and strong rewards in a single card.

Why we like it

When offering benefits, the Sapphire Reserve keeps things customer-friendly, without requiring cardholders to sift through fine print or jump through hoops.

What we don’t like

The annual fee on this card is significant.

Who it’s best for

Travelers who want flexible points and strong travel protections and who can utilize enough available benefits to justify the Sapphire Reserve’s high annual fee.

Expert Commentary

Best Credit Cards Of June 2024 (20)

Lori Zaino

Credit Cards Writer

A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.

Lori Zaino

Best Credit Cards Of June 2024 (21)

Lori Zaino

Credit Cards Writer

A credit card enthusiast and avid traveler, Lori has visited more than 60 countries, many of them using credit card points and frequent flyer miles. She has lived in Spain as a freelance writer and editor for around two decades, figuring out the best tips and tricks for using points and miles to live and travel abroad, and writing about it to share her knowledge every step of the way.

Credit Cards Writer

The Chase Sapphire Reserve card is one of the most valuable flexible rewards credit cards thanks to its lucrative bonus categories and easy-to-use travel credit. Cardholders can offset the annual fee and get great value when redeeming Chase Ultimate Rewards points earned on the card, thanks to partnerships with numerous airlines and hotels and its convenient travel booking portal, Chase Travel℠.

Pros & Cons

  • $300 annual travel credit is incredibly flexible
  • Generous welcome bonus
  • Get 50% more value when you redeem points for travel through Chase
  • Points transfer to valuable airline and hotel partners
  • High annual fee
  • High variable APR on purchases
  • Excellent credit recommended

Card Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Card for Luxury Travel and Lifestyle Benefits

The Platinum Card® from American Express

Apply Now Best Credit Cards Of June 2024 (22)

On American Express's Website

Partner Offer

Rates & Fees / Terms Apply

4.8

Best Credit Cards Of June 2024 (24)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (25)

On American Express's Website

5X Reward Rate

Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More

Welcome Bonus

Earn 80,000 points

Annual Fee

$695

Regular APR

See Pay Over Time APR

Credit Score

Good,Excellent(700 - 749)

Our Expert Take

The list of credits and benefits on The Platinum Card® from American Express feels never-ending, offering extra value to live it up while traveling or shopping.

Why we like it

There are so many perks packaged into this card that cover everything from travel and lifestyle to online grocery shopping.

What we don’t like

Many credits and other benefits are doled out periodically, meaning some will be hard to use, and others require close attention and management.

Who it’s best for

Customers who are willing to work within fine print to maximize a massive selection of benefits and credits. Since there’s a premium yearly fee, you’ll need to determine if the Amex Platinum benefits make sense for you.

Expert Commentary

Best Credit Cards Of June 2024 (27)

Ben Nickel-D'Andrea

Credit Cards Writer

Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.

Ben Nickel-D'Andrea

Best Credit Cards Of June 2024 (28)

Ben Nickel-D'Andrea

Credit Cards Writer

Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.

Credit Cards Writer

Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business class seats on more than 20 airlines as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. on any of those premium cabins.

Pros & Cons

  • High reward potential on flights and hotels booked through American Express Travel
  • Multiple credits can help justify the fee
  • Comprehensive airport lounge access
  • Luxury travel benefits and elite status with Hilton and Marriott with enrollment
  • Very high annual fee
  • Maximizing the statement credits takes some work and could be impractical for many
  • Reward rate outside of travel is sub-par for a premium card

Card Details

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Flat-Rate Rewards Credit Card

Capital One Venture Rewards Credit Card

Apply Now Best Credit Cards Of June 2024 (29)

On Capital One's Website

4.6

Best Credit Cards Of June 2024 (31)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (32)

On Capital One's Website

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on Capital One EntertainmentRead More

Welcome Bonus

Earn 75,000 bonus miles

Annual Fee

$95

Regular APR

19.99% - 29.99% (Variable)

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

The Capital One Venture Rewards Credit Card is an approachable card focused on travel rewards with a reasonable annual fee (rates & fees) but still comes with all the transfer options of more expensive cards.

Why we like it

The card comes with an impressive welcome offer and competitive ongoing rewards.

What we don’t like

For a travel card, it doesn’t offer many travel benefits or protections.

Who it’s best for

Customers who like Capital One Rewards and solid redemption opportunities without paying a premium annual fee.

Expert Commentary

Best Credit Cards Of June 2024 (34)

Kimberly Shearer

Credit Cards Writer

Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.

Kimberly Shearer

Best Credit Cards Of June 2024 (35)

Kimberly Shearer

Credit Cards Writer

Kimberly Shearer is a credit cards enthusiast, family travel blogger and mom of three boys who lives in the Philadelphia area. She is an extreme couponer turned points and miles enthusiast who loves using credit card points to spoil her family on nearly free vacations. She has been perfecting the fine art of traveling with kids since 2009 and uses her blog, podcast and social media to teach other parents how to travel more for less.

Credit Cards Writer

The Capital One Venture Rewards card is extremely low maintenance as far as travel reward cards go. It provides consistent value and flexibility when it comes to earning and redeeming points for travel and is an excellent alternative for anyone a bit leery of the high Venture X annual fee (rates & fees).

Pros & Cons

  • Solid rewards rate
  • Global Entry or TSA PreCheck® statement credit (up to $100)
  • No foreign transaction fees
  • Miles are easy to redeem either via partner transfers or by applying against travel purchases
  • $95 annual fee
  • No introductory APR on purchases or transfers

Card Details

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Cards With Category Bonuses of 2024

Best Credit Card for Groceries

Blue Cash Preferred® Card from American Express

Apply Now Best Credit Cards Of June 2024 (36)

On American Express's Website

Partner Offer

Rates & Fees / Terms Apply

5.0

Best Credit Cards Of June 2024 (38)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (39)

On American Express's Website

Up to 6% Reward Rate

Earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); Earn 6% cashRead More

Welcome Bonus

Earn $250

Annual Fee

$0 intro annual fee for the first year, then $95

Regular APR

19.24%-29.99% Variable

Credit Score

Excellent/Good(700 - 749)

Our Expert Take

The earning rate for grocery spending on the Blue Cash Preferred® Card from American Express is extraordinary and a fast way to earn cash back.

Why we like it

Grocery earnings are the most obvious lure, but the other benefits such as an introductory APR, statement credits and a welcome offer make this cash-back card a winner.

What we don’t like

Amex caps your 6% grocery earnings after $6,000 in annual spending, which might not be enough for some customers.

Who it’s best for

This is a great cash-back card for households with major expenses in groceries, gas and transit.

Expert Commentary

Best Credit Cards Of June 2024 (41)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Ben Luthi

Best Credit Cards Of June 2024 (42)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Contributor

You’ll have a hard time finding a better cash-back rate on groceries and streaming, and the Disney Bundle credit nearly neutralizes the cost of the annual fee.

Pros & Cons

  • High cash-back rewards in several categories of spending
  • No enrollment is required, cash back is automatic
  • Comes with several travel benefits and protections
  • Charges an annual fee
  • 6% cash back at U.S. supermarkets is capped at $6,000 in annual spending (then 1%)

Card Details

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% – 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit on Amazon.com at checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Card for Dining

American Express® Gold Card

Apply Now Best Credit Cards Of June 2024 (43)

On American Express's Website

Partner Offer

Rates & Fees / Terms Apply

5.0

Best Credit Cards Of June 2024 (45)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (46)

On American Express's Website

Up to 4X Reward Rate

Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.; Earn 4X Membership Rewards® points atRead More

Welcome Bonus

Earn 60,000 points

Annual Fee

$250

Regular APR

See Pay Over Time APR

Credit Score

Excellent/Good(700 - 749)

Our Expert Take

The American Express® Gold Card provides strong earning rates on restaurant purchases (including most takeout and delivery) and throws in statement credits toward select dining, too.

Why we like it

Few cards offer such high earning rates on both groceries and dining, especially with unlimited earning potential on restaurants worldwide.

What we don’t like

The card’s dining credits and Uber Cash are dispensed monthly and expire at the end of the month, which can make them challenging to use.

Who it’s best for

This card is best for people ordering takeout and delivery and will earn the monthly credits without going out of their way.

Expert Commentary

Best Credit Cards Of June 2024 (48)

Barbara King

Credit Cards Writer

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Barbara King

Best Credit Cards Of June 2024 (49)

Barbara King

Credit Cards Writer

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Credit Cards Writer

This card makes it easy to earn Membership Rewards points while doing regular grocery shopping since the card earns bonus points at supermarkets. And for the nights that cardholders don’t want to cook, they can make use of the monthly dining and Uber credits (which can be used on Uber Eats orders).

Pros & Cons

  • High rewards earnings possibilities
  • Points transfer option to many partners
  • Add up to 5 authorized users for no additional annual fee
  • Can choose from regular or rose gold versions
  • No lounge benefits
  • Limited options to carry a balance
  • High APR for pay over time feature
  • High pay over time penalty APR

Card Details

  • 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.

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.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Card for Amazon

Prime Visa

Apply Now Best Credit Cards Of June 2024 (50)

On Amazon's Website

5.0

Best Credit Cards Of June 2024 (52)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (53)

On Amazon's Website

Up to 5% back

Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligibleRead More

Welcome Bonus

Get a $100 Amazon Gift Card

Annual Fee

$0

Regular APR

20.49% - 29.24% Variable

Credit Score

Good, Excellent(700 - 749)

Our Expert Take

The Prime Visa earns competitive rates on Amazon purchases that can’t be matched by other cards.

Why we like it

Cardholders can choose between generous rewards or the opportunity to use equal pay to pay over time without extra fees on select Amazon purchases.

What we don’t like

The rewards rate on everyday purchases outside Amazon is not particularly lucrative.

Who it’s best for

Only Amazon Prime members can get this card. It’s also best for people who shop with Amazon frequently, as the other bonus categories are limited.

Expert Commentary

Best Credit Cards Of June 2024 (55)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Ben Luthi

Best Credit Cards Of June 2024 (56)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Contributor

The card is a no-brainer for Amazon Prime members. You’ll be hard-pressed to find another card that offers such a great rewards rate on so many different types of purchases.

Pros & Cons

  • 5% cash back on Amazon and Whole Foods purchases
  • No spending required for the welcome bonus
  • No foreign transaction fees
  • Travel and shopping protections
  • Requires an Amazon Prime membership
  • No 0% introductory APR
  • Low cash back for purchases outside of bonus categories

Card Details

  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Balance Transfer Credit Cards of 2024

Best Balance Transfer Credit Card From Wells Fargo

Wells Fargo Reflect® Card

Apply Now Best Credit Cards Of June 2024 (57)

On Wells Fargo's Website

5.0

Best Credit Cards Of June 2024 (59)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (60)

On Wells Fargo's Website

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

Compared to other cards, the Wells Fargo Reflect® Card has an exceptionally long balance transfer period—both to initiate a transfer and to pay it off without interest.

Why we like it

In addition to an outstanding balance transfer offer, the card also has no annual fee.

What we don’t like

Like most balance transfers, this one has a high fee attached to it, so you’ll need to front that cost before taking advantage of the intro APR.

Who it’s best for

Because the introductory APR offer also extends to new purchases, it’s an easy option for anyone who wants a single payment to cover both balance transfers and ongoing charges.

Expert Commentary

Best Credit Cards Of June 2024 (62)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (63)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

The Wells Fargo Reflect includes decent roadside dispatch and cellular telephone protection, but the most compelling card benefit is the generous intro balance transfer offer upon account opening.

Pros & Cons

  • Generous introductory APR period for purchases and qualifying balance transfers
  • $0 Annual Fee
  • No rewards program or welcome bonus
  • Balance transfer fee: 5%, min: $5
  • 3% Foreign transaction fee

Card Details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account creditwhenyou shop, dine, or enjoy an experience simply by usingan eligibleWells Fargo credit card.

N/A

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Balance Transfer Credit Card From U.S. Bank

U.S. Bank Visa® Platinum Card *

Best Credit Cards Of June 2024 (64)

5.0

Best Credit Cards Of June 2024 (65)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

No Rewards

The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.74% - 29.74% (Variable)

Credit Score

Good/Excellent(700 - 749)

Our Expert Take

With no annual fee and a generously long time to pay down balance transfers, the U.S. Bank Visa® Platinum Card* stands out among the best.

Why we like it

Qualifying cardholders will have nearly two years to pay off balance transfers before interest payments kick in.

What we don’t like

All balance transfers are subject to a hefty fee, and this one is no exception.

Who it’s best for

Anyone looking for an introductory APR offer will find this card attractive, but since there are no rewards, it’s best used as a short-term financial tool.

Expert Commentary

Best Credit Cards Of June 2024 (67)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (68)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

Build credit easily with the U.S. Bank Visa Platinum, plus take advantage of one of the longest intro balance transfer periods.

Pros & Cons

  • No penalty APR
  • Long intro APR period
  • Cellphone protection coverage is a handy benefit
  • Balance transfer fee applies
  • No rewards program
  • No welcome bonus
  • Foreign transaction fee

Card Details

  • Up to $600 cell phone protection (subject to $25 deductible) against damage or theft when you pay your monthly phone bill with your card. Terms, conditions, and exclusions apply
  • Ability to choose a payment due date that fits your schedule
  • No annual fee
  • Introductory APR offer

N/A

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best 0% APR Credit Cards of 2024

Best 0% APR Credit Card With Everyday Rewards

Citi Rewards+® Card

Apply Now Best Credit Cards Of June 2024 (69)

On Citi's Website

5.0

Best Credit Cards Of June 2024 (71)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (72)

On Citi's Website

Up to 5X Reward Rate

Earn 2X ThankYou® Points per dollar at supermarkets and gas stations for the first $6,000 per year and then 1XRead More

Welcome Bonus

20,000 points

Annual Fee

$0

Regular APR

18.74% - 28.74% (Variable)

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

We chose the Citi Rewards+® Card because the introductory APR extends to new purchases and balance transfers, and there’s no annual fee.

Why we like it

It’s notable to see a card provide a welcome bonus and an introductory APR to new cardholders. And it comes with other perks, too, including a rebate on redeemed points to stretch your rewards.

What we don’t like

The ongoing earning rates on this card are lackluster, with most purchases only earning 1 point per dollar spent.

Who it’s best for

This card makes sense for someone who already has a credit card that earns Citi ThankYou Points and can combine rewards for additional redemption options.

Expert Commentary

Best Credit Cards Of June 2024 (74)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Best Credit Cards Of June 2024 (75)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

For those who never carry cash and use their credit card for even the smallest purchases, the “round up” feature of the Citi Rewards+ can quickly add up. But don’t sleep on the card’s 10% rebate on point redemptions up to the yearly cap, either. Take advantage of both of these features, and you’ll soon find yourself with a larger stack of rewards.

Pros & Cons

  • All purchases rounded up to the nearest 10 rewards points.
  • 10% points bonus added to the first 100,000 points redeemed annually.
  • No rotating categories to manage.
  • Foreign transaction fee.
  • Potentially high APR depending on your creditworthiness.
  • High balance transfer fee
  • Annual $6,000 spending cap on 2x points category.

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou®Points per $1 spent onhotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • No Annual Fee

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Cash-Back Credit Cards of 2024

Best Cash-Back Credit Card

Chase Freedom Flex®

Apply Now Best Credit Cards Of June 2024 (76)

On Chase Bank USA, NA's Website

5.0

Best Credit Cards Of June 2024 (78)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (79)

On Chase Bank USA, NA's Website

Up to 5% Reward Rate

Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More

Welcome Bonus

$200 bonus

Annual Fee

$0

Regular APR

20.49%-29.24% Variable

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

The Chase Freedom Flex® offers up to 5% in cash-back earnings without expiration dates or an annual fee.

Why we like it

It’s rare to find 5% rewards on a credit card without an annual fee. Plus, when paired with select Ultimate Rewards® cards, you’ll have access to additional redemption choices.

What we don’t like

Elevated earning rates require activation and cap out at $1,500 in spending each quarter.

Who it’s best for

Customers looking for up to 5% cash back and are willing to track the Freedom Flex bonus categories.

Expert Commentary

Best Credit Cards Of June 2024 (81)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Best Credit Cards Of June 2024 (82)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

Kudos to Chase for always keeping the rotating categories relevant on the Freedom Flex. From Amazon to PayPal and Starbucks to Walmart, you’re almost guaranteed to find at least one quarter every year (or even several) where the 5 bonus points roll in with almost no effort. Just don’t forget to activate the categories every quarter.

Pros & Cons

  • No annual fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories
  • Travel bookings must be made through Chase Travel℠ to earn 5% cash back

Card Details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash backon travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee –You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Airline Credit Cards of 2024

Best Midtier Airline Card

Aeroplan® Credit Card

Apply Now Best Credit Cards Of June 2024 (83)

On Chase Bank USA, NA's Website

5.0

Best Credit Cards Of June 2024 (85)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (86)

On Chase Bank USA, NA's Website

Up to 3x Reward Rate

Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, andRead More

Welcome Bonus

Earn 70,000 points

Annual Fee

$95

Regular APR

21.74% - 28.74% Variable

Credit Score

Good, Excellent(700 - 749)

Our Expert Take

The Aeroplan® Credit Card includes a long list of benefits for travelers looking to earn or redeem Aeroplan points with a reasonable annual fee.

Why we like it

For an airline card, this one bestows a lot of extras without high fees: benefits while flying, status boosts and even discounts on select awards.

What we don’t like

Except for transactions with Air Canada, there are no extra rewards for travel purchases.

Who it’s best for

You’ll need to be somewhat savvy with miles and points to get the best value when redeeming Aeroplan points.

Expert Commentary

Best Credit Cards Of June 2024 (88)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (89)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

Chase and Air Canada’s co-branded Aeroplan Credit Card will serve as an excellent companion for frequent flyers of Star Alliance and its carriers from United to Lufthansa as you earn valuable Aeroplan points. Maximize your Aeroplan points and redeem for flights and hotels through an extensive partner network. Enjoy additional points-earning opportunities in key everyday categories.

Pros & Cons

  • Excellent rewards earning
  • No foreign transaction fees
  • Travel benefits including perks for Air Canada flyers
  • $95 annual fee
  • Lacks non-travel-related benefits

Card Details

  • Earn 70,000 bonus points
  • Earn 70,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • $95 Annual Fee
  • Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
  • Fly to another continent and travel the world with the Aeroplan® Credit Card.
  • Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
  • 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
  • Member FDIC

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Rewards for United Flyers

United Quest℠ Card

Apply Now Best Credit Cards Of June 2024 (90)

On Chase Bank USA, NA's Website

4.5

Best Credit Cards Of June 2024 (92)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (93)

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Up to 3X Reward Rate

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & allRead More

Welcome Bonus

Earn 70,000 bonus miles

Annual Fee

$250

Regular APR

21.99% - 28.99% Variable

Credit Score

Good/Excellent(700 - 749)

Our Expert Take

With the United Quest℠ Card, perks extend beyond the basics like free checked bags to include airline statement credits and MileagePlus award rebates for extra value.

Why we like it

Cardholders who make use of the purchase and award flight credits every year effectively even out the cost of the annual fee, making the other benefits a bonus.

What we don’t like

Most purchases earn at uninspiring rates, so miles add up slowly.

Who it’s best for

United flyers looking to earn (or requalify for) elite status are the ideal customers of this card since it allows you to earn Premier qualifying points.

Expert Commentary

Best Credit Cards Of June 2024 (95)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Ben Luthi

Best Credit Cards Of June 2024 (96)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Contributor

Don’t let the card’s annual fee scare you off. Even if you’re not a frequent flyer, the perks can make this card worth your while, and the rewards rates are better compared to most airline cards.

Pros & Cons

  • Up to $125 annual United purchase credit
  • Earn up to two 5,000-mile award flight credits annually
  • Two free checked bags for cardholder and a companion traveling on the same reservation
  • Earn up to 6,000 Premier Qualifying Points per calendar year
  • Primary auto collision damage waiver for eligible rentals
  • Checked baggage benefit only applies to one companion
  • Earnings for general purchases are only 1 mile per dollar

Card Details

  • Limited-time offer: Earn 70,000 bonus miles and 500 PQP after qualifying purchases
  • Earn 3 miles per $1 spent on United® purchases
  • Earn 2 miles per $1 spent on all other travel, dining and select streaming services
  • Earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and priority boarding
  • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
  • Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Award Flights and British Airways Flyers

British Airways Visa Signature® Card

Apply Now Best Credit Cards Of June 2024 (97)

On Chase Bank USA, NA's Website

4.4

Best Credit Cards Of June 2024 (99)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (100)

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Welcome Bonus

Earn 85,000 Avios.

Annual Fee

$95

Regular APR

21.49%-28.49% Variable

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

The British Airways Visa Signature® Card comes with unique benefits including statement credits toward eligible award bookings to London and discounts on paid flights from the U.S.

Why we like it

British Airways Avios can be an excellent way to book award flights, and this card offers an incredible welcome bonus to get you started.

What we don’t like

Unlike most airline cards, this one doesn’t provide any in-flight benefits like free checked bags or priority boarding.

Who it’s best for

In order to best utilize the discounts and advantages of this card, it’s best for someone traveling with British Airways at least once or twice a year.

Expert Commentary

Best Credit Cards Of June 2024 (102)

Ben Nickel-D'Andrea

Credit Cards Writer

Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.

Ben Nickel-D'Andrea

Best Credit Cards Of June 2024 (103)

Ben Nickel-D'Andrea

Credit Cards Writer

Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.

Credit Cards Writer

Those who spend enough to earn the Travel Together Ticket can get 50% off the price of their award ticket when traveling solo or get a second seat on the same flight and cabin for a companion at no additional cost beyond taxes and fees. Travel Together Tickets are now valid on British Airways, Iberia and Aer Lingus flights and any of their subsidiaries on itineraries from anywhere in the world for both one-way or round-trip flights.

Pros & Cons

  • Generous rewards on eligible flights
  • Potential to earn a companion ticket
  • Lucrative welcome bonus
  • No foreign transaction fee
  • Rewards rate poor outside of Avios-earning airlines
  • Subject to Chase’s 5/24 rule
  • No checked baggage or lounge perks

Card Details

  • Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It’s fast, easy and secure!
  • Member FDIC

Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Hotel Credit Cards of 2024

Best Midrange Hotel Card

IHG One Rewards Premier Credit Card

Apply Now Best Credit Cards Of June 2024 (104)

On Chase Bank USA, NA's Website

5.0

Best Credit Cards Of June 2024 (106)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (107)

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Up to 26X Reward Rate

Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts; 5 points perRead More

Welcome Bonus

Earn 140,000 bonus points

Annual Fee

$99

Regular APR

21.49% - 28.49% Variable

Credit Score

Good, Excellent(700 - 749)

Our Expert Take

The annual free night certificate and fourth night free on award stays makes the IHG One Rewards Premier Credit Card a fabulous hotel card.

Why we like it

The benefits from this card are easy to use, and the brand’s global footprint means just about any traveler can find an IHG hotel that fits their plans.

What we don’t like

Though the award discounts are lucrative, the earning rates are not particularly exciting.

Who it’s best for

Any traveler staying with IHG once a year will make out ahead with this card.

Expert Commentary

Best Credit Cards Of June 2024 (109)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Ben Luthi

Best Credit Cards Of June 2024 (110)

Ben Luthi

Contributor

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

Contributor

The IHG One Rewards Premier blows all other mid-tier hotel credit cards out of the water with perks alone. You don’t even have to use the card regularly to offset its annual fee every year.

Pros & Cons

  • Earn up to 26 points per dollar spent when you stay at IHG Hotels & Resorts, 5 points on travel, gas stations, and restaurants and 3 points on all other purchases
  • Free night award every account anniversary
  • Fourth night free on point redemption stays
  • Automatic Platinum Elite status
  • No worthwhile redemption options outside of IHG properties
  • Low overall point value

Card Details

  • Earn 140,000 Bonus Points
  • Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
  • Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts
  • Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Automatic Platinum Elite status as long as you remain a Premier cardmember
  • Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursem*nt for the application fee charged to your card
  • IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
  • Member FDIC

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Luxury Hotel Stays

The World of Hyatt Credit Card

Apply Now Best Credit Cards Of June 2024 (111)

On Chase Bank USA, NA's Website

4.9

Best Credit Cards Of June 2024 (113)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (114)

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Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More

Welcome Bonus

Up to 60,000 Bonus Points

Annual Fee

$95

Regular APR

21.49% - 28.49% variable

Credit Score

Excellent, Good(700 - 749)

Our Expert Take

On top of providing a free night each year, The World of Hyatt Credit Card makes it easier to earn World of Hyatt points and get closer to earning elite status at a much-loved brand.

Why we like it

There aren’t many options to earn World of Hyatt points from credit cards, so this one stands out as an easy way to bolster your account balance.

What we don’t like

The card only provides low-tier Discoverist status, which doesn’t include breakfast or suite upgrades.

Who it’s best for

You need to be a Hyatt loyalist to be a good fit for this card since several of the benefits (including the ability to earn tier-qualifying nights) aren’t relevant to a casual traveler.

Expert Commentary

Best Credit Cards Of June 2024 (116)

Barbara King

Credit Cards Writer

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Barbara King

Best Credit Cards Of June 2024 (117)

Barbara King

Credit Cards Writer

Always dreaming about the next destination, credit cards specialist Barbara King is an avid traveler who optimizes her adventures through the use of points and miles. Barbara has earned and redeemed millions of credit cards points which has enabled her to explore over 50 countries on six continents, enjoying both budget and luxury travel.

Credit Cards Writer

For many Hyatt loyalists, earning Globalist status each year is a priority and this card can help them get there faster by providing five elite night credits annually. Plus the complimentary yearly certificate for a category 1 to 4 Hyatt hotel counts toward elite status too and can offset the card’s annual fee.

Pros & Cons

  • Annual free night certificate on cardmember anniversary
  • Complimentary World of Hyatt Discoverist status
  • High points redemption values
  • Generous welcome bonus
  • Limited number of properties
  • No worthwhile redemption options aside from Hyatt properties
  • No intro APR offer

Card Details

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Student Credit Cards of 2024

Best Student Card

Discover it® Student Cash Back

Apply Now Best Credit Cards Of June 2024 (118)

On Discover's Website

5.0

Best Credit Cards Of June 2024 (120)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (121)

On Discover's Website

Up to 5% Reward Rate

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations,Read More

Welcome Bonus

Cashback Match™

Annual Fee

$0

Regular APR

18.24% - 27.24% Variable APR

Credit Score

Fair/New to Credit

Our Expert Take

Students can earn cash back at elevated rates on rotating categories with the Discover it® Student Cash Back and get access to a first-year welcome offer with no annual fee.

Why we like it

It’s a beginner card with advanced benefits. The structure of this card is one even long-time credit card users would be happy with.

What we don’t like

Cardholders need to activate 5% rates and watch for the $1,500 earning limit on rotating quarterly bonus categories to get the best rewards.

Who it’s best for

College students who can keep track of quarterly bonus categories.

Expert Commentary

Best Credit Cards Of June 2024 (123)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (124)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

An engaging and fun student credit card, the Discover it® Student Cash Back combines useful benefits for cardholders to learn about building credit history while earning extra cash back each quarter on select categories.

Pros & Cons

  • 5% cashback on rotating bonus categories after enrollment
  • First-year cash-back match
  • 5% bonus cashback rate is limited to $1,500 per quarter in spending
  • Bonus categories must be activated quarterly
  • Low 1% base reward rate

Card Details

  • 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! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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.
  • No credit score required to apply.
  • 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.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% – 27.24% applies.
  • Terms and conditions apply.

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! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Intro APR Student Card

Bank of America® Customized Cash Rewards credit card for Students

Apply Now Best Credit Cards Of June 2024 (125)

On Bank of America's Website

4.8

Best Credit Cards Of June 2024 (127)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (128)

On Bank of America's Website

Choose your 3% category

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up toRead More

Welcome Bonus

$200

Annual Fee

$0

Regular APR

19.24% - 29.24% Variable APR on purchases and balance transfers

Credit Score

Excellent/Good(700 - 749)

Our Expert Take

The Bank of America® Customized Cash Rewards credit card for Students offers a generous intro APR period, which is good on both new purchases and balance transfers. It even provides a reduced balance transfer fee to new cardholders.

Why we like it

Students can pick which purchase category they want to earn maximum rewards in—and change their selection up to once a month—which makes it incredibly flexible.

What we don’t like

You’ll need to keep a close eye on details with this card. There are earning limits on your bonus cash rewards, deadlines for the introductory APR and different schedules for the welcome bonus.

Who it’s best for

This card is best for students who want an intro APR for new purchases, balance transfers or both.

Expert Commentary

Best Credit Cards Of June 2024 (130)

Emily Moore

Credit Cards Writer

Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.

Emily Moore

Best Credit Cards Of June 2024 (131)

Emily Moore

Credit Cards Writer

Experiencing the world through travel is a privilege, but affordability is a common barrier to entry. By sharing accessible tips on responsible credit card use, rewards programs and rewards hacking, Emily Jane Moore helps people with limited financial resources access meaningful travel experiences.

Credit Cards Writer

This card offers valuable cash-back rewards to responsible students with good to excellent credit. The savviest cardholders will pay close attention to their top spending category to maximize their quarterly 3% cash back option.

Pros & Cons

  • Free FICO® Score access
  • Intro APR offer with a generous term
  • Competitive cash-back reward rates
  • Solid welcome bonus
  • 3% foreign transaction fee
  • Higher penalty APR applies to late payments

Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Cards for Customers With Fair Credit of 2024

Best Cash-Back Card for Fair Credit

Citi Custom Cash® Card

Apply Now Best Credit Cards Of June 2024 (132)

On Citi's Website

5.0

Best Credit Cards Of June 2024 (134)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (135)

On Citi's Website

Up to 5% Reward Rate

5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. 4% cashRead More

Welcome Bonus

$200

Annual Fee

$0

Regular APR

19.24% - 29.24% (Variable)

Credit Score

Excellent, Good, Fair

Our Expert Take

You can earn cash-back rewards at strong rates without an annual fee or the need for a perfect credit score, thanks to the Citi Custom Cash® Card.

Why we like it

The chance to earn 5% cash back is impressive on any card. This one dishes your rewards automatically without enrollments or activations.

What we don’t like

There’s a low spending limit of only $500 per billing cycle on your elevated earning category.

Who it’s best for

This is a solid card for anyone with Excellent, Good, Fair credit since it provides cash back (at any rate) without an annual fee.

Expert Commentary

Best Credit Cards Of June 2024 (137)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Julian Kheel

Best Credit Cards Of June 2024 (138)

Julian Kheel

Credit Cards and Travel Rewards Expert

With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.

Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.

In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.

Credit Cards and Travel Rewards Expert

If you’ve always wanted a credit card that adapts to your lifestyle instead of you having to adapt to it, you’ve found what you’re looking for with the Citi Custom Cash. You’ll never have to worry again about making sure you’re earning bonus points at the places you shop the most, because this card will automatically do it for you — even if those places change every month.

Pros & Cons

  • No registration required to earn bonus rewards
  • Cash-back categories are unique categories that other cards may not offer bonus rewards for
  • Introductory APR on purchases and balance transfers
  • No annual fee
  • High balance transfer fee
  • High foreign transaction fee
  • Some everyday rewards categories are neglected

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Cards for Customers With Bad or No Credit of 2024

Best Secured Card for No Credit

Discover it® Secured Credit Card

Apply Now Best Credit Cards Of June 2024 (139)

On Discover's Website

5.0

Best Credit Cards Of June 2024 (141)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now Best Credit Cards Of June 2024 (142)

On Discover's Website

Up to 2% Reward Rate

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. PlusRead More

Welcome Bonus

Cashback Match™

Annual Fee

$0

Regular APR

28.24% Variable APR

Credit Score

New/Rebuilding Credit

Our Expert Take

As one of the few secured cards to offer reasonable cash-back rewards on every purchase, the Discover it® Secured Credit Card stands out as an option that doesn’t make you feel like you’re missing out.

Why we like it

Discover conducts automatic monthly account reviews after your first seven months to determine if your security deposit can be returned.

What we don’t like

Your initial credit line will be equal to your security deposit, which must be a minimum of $200 or a maximum of $2,500. This could be limiting for some customers.

Who it’s best for

This card is best for someone dedicated to rebuilding their credit—it encourages responsible usage and even rewards you for your spending.

Expert Commentary

Best Credit Cards Of June 2024 (144)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (145)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

No credit history required, the Discover it® Secured Credit Card offers one of the best credit cards for building or rebuilding a healthy credit history, while earning cash back in select everyday categories.

Pros & Cons

  • No annual fee
  • Cash back rewards earning is uncommon for a secured card
  • Free FICO score access each month
  • Cashback Match doubles cash back rewards earning at the end of the first year
  • Bonus category rewards are capped
  • Secured cards don’t provide many of the perks unsecured cards do
  • Secured cards require refundable deposits

Card Details

  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit history.
  • Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • 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 an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • Terms and conditions apply.

Intro Offer: Unlimited Cashback Match™ - 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. Just a dollar-for-dollar match.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Secured Card for Bad Credit

First Progress Platinum Prestige Mastercard® Secured Credit Card

Apply Now

On First Progress's Website

Click Here To Apply Now

5.0

Best Credit Cards Of June 2024 (148)

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Apply Now

On First Progress's Website

1% Cash Back

1% Cash Back Rewards on payments

Welcome Bonus

None

Annual Fee

$49

Regular APR

15.24% (Variable)

Credit Score

Poor/Limited/No Credit

Our Expert Take

The First Progress Platinum Prestige Mastercard® Secured Credit Card offers a second chance to someone with damaged credit and charges lower interest rates than most other options.

Why we like it

You can earn cash-back rewards on every purchase, even if you have poor, limited or no credit.

What we don’t like

The card charges an annual fee, a deterrent for such a basic card.

Who it’s best for

We’d recommend this card to someone who needs a card to build their credit score and doesn’t qualify for unsecured cards on the market.

Expert Commentary

Best Credit Cards Of June 2024 (151)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Albert Hsieh

Best Credit Cards Of June 2024 (152)

Albert Hsieh

Credit Cards and Reward Points Expert

Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.

Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.

With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.

His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.

Credit Cards and Reward Points Expert

The First Progress Platinum Prestige Mastercard Secured Credit Card provides a clear path towards a healthy credit history including cash-back incentives for on-time payments.

Pros & Cons

  • Reports to all three major credit bureaus
  • Lower than average standard APR
  • May be an option for those with bad credit seeking an approval
  • $49 annual fee
  • Foreign transaction fee
  • Deposit required

Card Details

  • 1% Cash Back Rewards on payments
  • Choose your own credit line – $200 to $2000 – based on your security deposit
  • Build your credit score. Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

None

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Credit Cards Of June 2024 (2024)
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