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Score Hefty Welcome Bonuses, Rack Up Rewards, and Pay Down Debt: FinanceBuzz's Favorite Cards of July 2024

CREDIT CARDS
Last updated July 18, 2024 | By FinanceBuzz Editors
Premium perks await! Boost your purchasing power with these top credit cards -- earn up to 5% cash back, rack up generous bonus offers, or lock down 0% interest into 2025. Check out these featured card offers from our partners below.

Excellent for high-rate cash back categories

Discover it® Cash Back

4.7

on Discover’s secure website

Intro Offer
Cashback Match™
Reward Rate
1% - 5% Cash back
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 28.24% Variable
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Discover it® Cash Back is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Maximize your rewards with this card! 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.
  • Take advantage of a unique welcome offer: Discover will match all the cash back you’ve earned at the end of your first year.
  • » Apply now for the Discover it® Cash Back



Excellent for travel + intro balance transfer perks

Capital One VentureOne Rewards Credit Card

4.0

on Capital One’s secure website

Intro Offer
20,000 Miles
Reward Rate
1.25X - 5X Miles
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months; Balance transfer fee applies
Regular APR
19.99% - 29.99% (Variable)
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Capital One VentureOne Rewards Credit Card(Rates and fees) is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Earn rewards easily with no annual fee! You can earn 1.25 miles per dollar on every purchase, every day.
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening -- a welcome offer that can be easily attained.
  • » Apply now for the Capital One VentureOne Rewards Credit Card



Excellent for easy travel rewards redemption

Bank of America® Travel Rewards credit card

4.1

on Bank of America’s secure website

Intro Offer
25,000 Points
Reward Rate
1.5X Points
Intro APR
Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
19.24% - 29.24% Variable
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Bank of America® Travel Rewards credit card is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • This card earns you 1.5 points per $1 spent on all purchases. You can rack up rewards with every swipe!
  • A hefty welcome bonus can take you far with this travel rewards card: cardmembers can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • » Apply now for the Bank of America® Travel Rewards credit card



Excellent for high flat-rate cash rewards

Wells Fargo Active Cash® Card

5.0

on Wells Fargo’s secure website

Intro Offer
$200 Cash rewards
Reward Rate
2% Cash rewards
Intro APR
Purchases: 0%, 15 months from account opening
Balance Transfers: 0%, 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Wells Fargo Active Cash® Card(Rates and fees) is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • This card offers strong, simple rewards, with unlimited 2% cash rewards on purchases.
  • An attainable welcome offer is enticing for the card, as you can earn $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • » Apply now for the Wells Fargo Active Cash® Card



Excellent for travel rewards rates and redemption

Chase Sapphire Preferred® Card

4.9

on Chase’s secure website

Intro Offer
60,000 Points
Reward Rate
1X - 5X Points
Intro APR
Purchases: N/A, N/A
Balance Transfers: N/A, N/A
Regular APR
21.49%-28.49% Variable
Annual fee
$95

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Chase Sapphire Preferred® Card is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • This card has exceptionally high rewards rates: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.
  • The hefty welcome bonus can get you far, as you can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • » Apply now for the Chase Sapphire Preferred® Card



Excellent for high flat-rate cash back rewards

Citi Double Cash® Card

4.8

on Citi’s secure website

Intro Offer
$200
Reward Rate
2% - 5% Cash back
Intro APR
Purchases: N/A, N/A
Balance Transfers: 0%, 18 months
Regular APR
19.24% - 29.24% (Variable)
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Citi Double Cash® Card is fair to excellent (typically 580 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • This card earns you 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. You can rack up rewards with every swipe!
  • A hefty welcome bonus can take you far with this travel rewards card: cardmembers can earn $200 in 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.
  • » Apply now for the Citi Double Cash® Card(Rates and fees)



Excellent for high rewards rates on everyday spend

Wells Fargo Autograph℠ Card

4.7

on Wells Fargo’s secure website

Intro Offer
20,000 bonus points
Reward Rate
1X - 3X Points
Intro APR
Purchases: 0%, 12 months from account opening
Balance Transfers: N/A, N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable
Annual fee
$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Wells Fargo Autograph℠ Card(Rates and fees) is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Rack up great rewards with this card, as you can earn earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1x points on other purchases.
  • Take advantage of an enticing welcome offer: earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that’s a $200 cash redemption value).
  • » Apply now for the Wells Fargo Autograph℠ Card



Discover it® Cash Back

Unlock up to 10% cash back your first year

4.7


The Discover it® Cash Back(Rates and fees) is one of the best cash back cards on the market with its ability to earn up to 5% cash back on common rotating spending categories and a rare welcome offer — all with no annual fee.

Take charge of how much cash back you can earn as Discover will match all the cash back you’ve earned at the end of your first year.

And racking up cash back is simple as you can earn 5% cash back at different places each quarter up to the quarterly maximum when you activate, including gas stations, grocery stores, and restaurants. Plus, you'll earn 1% cash back on all other purchases automatically. 

The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back! 

Discover is accepted by 99% of merchants, and you can redeem your cash back rewards as a statement credit, bank account deposit, or gift cards to dozens of popular retailers. 

Even better, the Discover it® Cash Back card offers a 0% intro APR for 15 months on purchases and balance transfers, then APR 18.24% - 28.24% Variable. This is a great way to pay down credit card debt or finance a large purchase while earning cash back at the same time!

Annual Fee: $0

Click here to apply for the Discover it® Cash Back now.

Capital One VentureOne Rewards Credit Card

0% Intro APR For 15 months + up to 5 miles per dollar

4.0


Picture yourself smiling every time you swipe your Capital One VentureOne Rewards Credit Card(Rates and fees) because you won’t have to pay interest until nearly 2026. You could transform your financial situation in no time.

Enjoy 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), then APR 19.99% - 29.99% (Variable). You can skip the frustrating interest charges for a time and make moves against runaway credit card debt.

Plus, you can earn an unlimited 1.25 miles per dollar on every purchase, every day. Beyond travel, miles can also be redeemed for gift cards, to shop on Amazon.com, or to pay for purchases via PayPal Pay with Rewards. Rack up even more rewards by earning 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

And new cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. That's worth $200 towards travel. 

Annual Fee: $0

Click here to apply for the Capital One VentureOne Rewards Credit Card now.

Bank of America® Travel Rewards credit card

UNLIMITED 1.5 points per $1 spent on all purchases + 25,000 bonus points

4.1


The Bank of America® Travel Rewards credit card is your ticket to adventure! With no annual fee, a generous signup bonus, and the ability to earn unlimited 1.5X points on all purchases - this is without a doubt the card you want to keep at the top of your wallet.

New cardholders can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases!

Quit juggling multiple cards to optimize your travel rewards - with the Bank of America® Travel Rewards credit card, you can earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time. Points can be redeemed as a statement credit for a variety of travel expenses, including flights, hotels, and rental cars.

Additional perk: Take advantage of this cards 0% introductory APR period on purchases and qualifying balance transfers for 15 billing cycles (then 19.24% - 29.24% Variable). Perfect for a large purchase or funding travel that you want to pay back over time - without having to worry about accumulating interest.

Annual fee: $0

Click here to apply for the Bank of America® Travel Rewards credit card now.

Wells Fargo Active Cash® Card

unlimited 2% cash rewards on purchases

5.0


If you’re looking for a powerful cash back card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash® Card now.

Chase Sapphire Preferred® Card

up to 5X points ON TRAVEL & BONUS WORTH $750 TOWARD TRAVEL

4.9


If you're on the hunt for a credit card that pays you back for your everyday purchases, then the Chase Sapphire Preferred® Card is the perfect choice. Offering an unbeatable welcome offer and ongoing rewards, this card is a must-have for any smart spender.

New cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's a welcome offer worth $750 when redeemed for travel through Chase Ultimate Rewards.

The rewards don't stop with the welcome offer. With this card, you can earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

But the Chase Sapphire Preferred® Card isn't just great for earning rewards. It also offers a range of ongoing benefits including baggage delay insurance, trip cancellation/interruption insurance, and auto rental collision damage waiver.

Take advantage of all these perks for a low annual fee of: $95

Click here to apply for the Chase Sapphire Preferred® Card now.

Citi Double Cash® Card

DOUBLE CASH BACK ON EVERY PURCHASE

4.8


Ready to earn cash back from your spending? The Citi Double Cash® Card has got you covered! This is a leading card when it comes to cash back.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. That's like getting paid twice for every dollar you spend! Your points can be redeemed for cash back as a statement credit, direct deposit or check.

Don't let high APRs and annual fees hold you back from earning rewards. With the Citi Double Cash® Card, you can enjoy 18 months of 0% intro APR on balance transfers (then 19.24% - 29.24% (Variable)). Plus, there's no annual fee to worry about with the Citi Double Cash® Card(Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Wells Fargo Autograph℠ Card

EARN 3X points on restaurants, travel, and gas stations

4.7


The Wells Fargo Autograph℠ Card(Rates and fees) is a flexible rewards card that offers cash rewards and travel redemptions. Cardholders can earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that’s a $200 cash redemption value).

Use your card for everyday purchases and rack up rewards points — Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases. Points can be redeemed for things like travel, statement credits, or gift cards.

Aside from the massive intro offer and rewards points you can rack up, the Autograph card offers a generous 0% intro APR for 12 months from account opening on purchases. After the intro period, the APR is 20.24%, 25.24%, or 29.99% Variable. That means your payments can go directly to paying down your balance without incurring a pile of additional charges!

One thing that shouldn't be overlooked, all of these perks come with no annual fee.

Click here to apply for the Wells Fargo Autograph℠ Card now.

Bottom Line

The Discover it® Cash Back(Rates and fees) is a great choice for a cash back credit card. Cardholders can benefit from a generous welcome offer, earn up to 5% cash back, and enjoy an introductory no-interest period on purchases and balance transfers — all without an annual fee.

  • Cash Back Rewards: 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.
  • Amazing Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.
  • No Caps on Bonus Rewards: There is no minimum spending threshold and no maximum to the amount of cash back rewards you can earn with the first-year bonus. 

  • Low Intro APR: Enjoy a 0% introductory APR for 15 months on purchases and balance transfers. After the intro period, the APR is 18.24% - 28.24% Variable.
  • $0 Annual Fee: On top of no annual fees, there are no foreign transaction fees.

» Click here to apply now

Up To 5% Cash Back

Benefits

Card Details

  • $0 annual fee
  • Intro APR on purchases and balance transfers
  • Dark web monitoring and other privacy protection services
  • Apply Now
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
Discover <span class='whitespace-nowrap'>it<sup>®</sup></span> Cash Back
4.7
Apply Now

on Discover’s secure website

Read Card Review

Intro Offer

Discover will match all the cash back you’ve earned at the end of your first year.

Annual Fee

$0

+

Why we like it


How we chose these cards

FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, earning potential, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.