• Fri. Jun 21st, 2024

Best Credit Cards in the United States – Top Picks for 2024

Louise Villalobos

ByLouise Villalobos

Jan 15, 2024

Credit cards play an essential role in our daily lives. They enable us to pay for everyday purchases such as gas or groceries and even finance our vacations. Additionally, some credit cards offer holders cash back, allowing them to save more.

So, what are the best credit cards in the United States right now? We have listed them for you in this article. Keep reading to learn more.

Capital One Quicksilver Cash Rewards Credit Card

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This credit card is known for offering amazing cash back. Besides, it has low interest and does not charge an annual fee. What’s more, Capital One Quicksilver Cash Rewards Credit Card does not impose a foreign transaction fee, so you can use it abroad without worrying about incurring extra charges.

Chase Sapphire Reserve

We recommend the Chase Sapphire Reserve credit card if you like traveling. That’s because it comes with several travel perks. As a holder of this credit card, you will enjoy a $300 yearly travel credit. The downside of the Chase Sapphire Reserve credit card is that you are required to pay a $550 annual fee.

United Explorer

Every time you spend $1 on United buying items like tickets, inflight food, and beverages, you earn 2 miles, which you can redeem in several ways, such as early boarding.

Note that you do not incur a foreign transaction fee as a United Explorer credit card holder. Also, you will start paying for the $95 yearly fee from the second year.

World of Hyatt Credit Card

Hyatt Hotels offers one of the best credit cards. As a World of Hyatt Credit Card holder, you earn 4 Bonus points every time you spend $1 at any Hyatt Hotel. Moreover, if you spend $3,000 within the first ninety days after opening an account, you will earn 30,000 Bonus points. Does the World of Hyatt Credit Card have an annual fee? Yes! You pay $95 yearly.

Bank of America Travel Reward for Students

This credit card is undoubtedly the best for students due to the high earning rate it adopts on its reward program. The rewards earned can be redeemed for various travel expenses. In addition, the lack of an annual fee and foreign transaction fee makes the Bank of America Travel Reward for Students credit card ideal for students planning to travel outside the United States.

Ink Business Preferred Credit Card

Are you a business owner? If so, you might want to check out the Ink Business Preferred Credit Card. This card rewards you with 450,000 points if you spend $150,000 per year on purchases like shipping, phone services, online advertising, and travel.

You can redeem these points for gift cards and cash or use them to book a room at select hotels. The annual fee imposed is $95.

Blue Cash Preferred Card From American Express

Using this credit card to pay for various expenses can help you save a lot. Here is how: If you spend $6,000 yearly at US supermarkets, you will receive a 6% cash back. You will also get another 6% cash back when you pay for certain US streamlining subscriptions. Lastly, There is a 3% cashback to claim if you use your Blue Cash Preferred Card to pay for fuel at select gas stations. You are required to pay $95 in annual fee.

Capital One Savor One Cash Rewards Credit Card

This credit card is a top choice for those who enjoy shopping online. It is also recommended for people who want to pay for streaming services such as Hulu, HBO, Netflix, and Disney+. That’s because you will enjoy a cash back of 3%. The best part is that Capital One Savor One Cash Rewards Credit Card has no yearly or foreign transaction fees.


When selecting a credit card, you need to consider your budget and the benefits attached to it to determine whether they are important to you. Also, if the benefits don’t justify the annual fees, you can avoid credit cards that impose such charges.

Louise Villalobos

Louise Villalobos

Louise Villalobos is an adept writer, renowned for her compelling articles that illuminate and engage. Her prowess in breaking down intricate subjects provides readers with clarity and nuance. With a vast and varied portfolio, Louise has solidified her standing as a distinguished voice in contemporary journalism.