Here’s a comparison of some of the best credit card offers for December 2024, based on their annual fees, intro offers, rewards rates, and overall ratings:
1. Blue Cash Preferred® Card from American Express
- NerdWallet Rating: 5.0/5
- Annual Fee: $0 intro annual fee for the first year, then $95.
- Intro Offer: $250 cashback after you spend $1,000 in the first 3 months.
- Rewards Rate:
- 6% cashback on U.S. supermarkets (up to $6,000 per year, then 1%).
- 3% cashback on U.S. gas stations and transit.
- 1% on all other purchases.
- Best for: Families or individuals who spend heavily on groceries, gas, and transit.
- Apply Now
2. Capital One Savor Cash Rewards Credit Card
- NerdWallet Rating: 5.0/5
- Annual Fee: $0
- Intro Offer: $250 cashback after spending $500 in the first 3 months.
- Rewards Rate:
- 4% cashback on dining and entertainment.
- 1% on all other purchases.
- Best for: Foodies and those who enjoy dining out and entertainment activities.
- Apply Now
3. Chase Freedom Unlimited®
- NerdWallet Rating: 5.0/5
- Annual Fee: $0
- Intro Offer: Up to $300 cashback when you spend $500 in the first 3 months.
- Rewards Rate:
- 5% on travel purchased through Chase Ultimate Rewards.
- 3% on dining and drugstores.
- 1.5% on all other purchases.
- Best for: Frequent travelers and those looking for a simple cashback card with great bonus categories.
- Apply Now
4. Chase Sapphire Preferred® Card
- NerdWallet Rating: 5.0/5
- Annual Fee: $95
- Intro Offer: 60,000 points (worth $750 toward travel when redeemed through Chase Ultimate Rewards) after spending $4,000 in the first 3 months.
- Rewards Rate:
- 5x points on travel purchased through Chase Ultimate Rewards.
- 2x points on dining and travel.
- 1x point on other purchases.
- Best for: Frequent travelers who want to earn and redeem points for travel rewards.
- Apply Now
5. Citi Double Cash® Card
- NerdWallet Rating: 4.9/5
- Annual Fee: $0
- Intro Offer: $200 cashback after spending $1,500 in the first 3 months.
- Rewards Rate:
- 2% cashback: 1% on purchases, and 1% when you pay your bill.
- Best for: Those who want a straightforward, high-rate cashback card.
- Apply Now
6. Wells Fargo Active Cash® Card
- NerdWallet Rating: 5.0/5
- Annual Fee: $0
- Intro Offer: $200 cashback after spending $500 in the first 3 months.
- Rewards Rate:
- 2% cashback on all purchases.
- Best for: Individuals who want a no-annual-fee card with an unlimited, high cashback rate.
- Apply Now
7. Capital One Venture Rewards Credit Card
- NerdWallet Rating: 4.7/5
- Annual Fee: $95
- Intro Offer: 75,000 miles after spending $4,000 in the first 3 months.
- Rewards Rate:
- 2x miles on every purchase.
- 5x miles on hotels and rental cars booked through Capital One Travel.
- Best for: Frequent travelers who want to earn miles for all their purchases.
- Apply Now
Conclusion
All of the credit cards listed above offer excellent rewards and sign-up bonuses, with varying annual fees and rewards rates to suit different needs. If you’re looking for a cashback card with no annual fee and versatile rewards, cards like the Citi Double Cash® Card and Wells Fargo Active Cash® Card are excellent options. For dining and entertainment lovers, the Capital One Savor Cash Rewards Credit Card might be your best bet. Travelers will find great value in the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card, which offer strong point and miles earning potential.
When choosing a card, consider your spending habits, desired rewards, and whether you’re willing to pay an annual fee for added benefits. No matter which card you choose, make sure it aligns with your financial goals and lifestyle!