Best Credit Cards of April 2024

Capital One Quicksilver Cash Rewards Credit Card

When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.

That’s why the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is such a smart choice. You can earn 1.5% cash back on every purchase, every day — easy! Worried about interest? Relax — this card offers a 0% intro APR on purchases for the first 15 months then 19.99% - 29.99% (Variable).

Plus, new cardholders can get a one-time cash bonus — earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Use your card for essentials at the gas station or grocery stores, and in our opinion, you can easily meet the spending requirement.

Additional perk: New cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; Balance transfer fee applies.

Annual fee: $0

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

Wells Fargo Active Cash^® Card

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.

Bank of America^® Unlimited Cash Rewards credit card

If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America^® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 18.24% - 28.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards® member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America^® Unlimited Cash Rewards credit card now.

Discover it^® Cash Back

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 17.24% - 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.

Chase Sapphire Preferred^® Card

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.

Capital One Venture Rewards Credit Card

If you love travel, you'll want the Capital One Venture Rewards Credit Card(Rates and fees) in your wallet! Cardholders can enjoy incredible travel perks with this versatile card.

This card offers a lucrative introductory bonus - new cardholders can earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. That welcome offer equates to $750 in travel rewards! You can also earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Plus, this credit card is one of the easiest to use in terms of rewards redemptions, you can enjoy lots of flexibility when redeeming points to book memorable trips.

Note that this credit card does include an annual fee of $95, but with the welcome offer, it's more than worth it. This is truly an exceptional credit card for travelers.

Purchase and Transfer APR: 19.99% - 29.99% (Variable)

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

Chase Freedom Unlimited^®

Searching for a credit card that combines cash back rewards and a long 0% introductory APR period? You'll want to check out the Chase Freedom Unlimited^® Card!

Cardholders can earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

And you don’t want to overlook the extended 0% intro APR period: New cardholders can enjoy an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until July 2025 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

Annual Fee: $0

Bottom Line

The Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is an easy-to-use card that offers a $200 welcome bonus and a flat 1.5% cash back on all purchases, with no limit on how much you can earn. This incredible card also offers a competitive 0% introductory APR for 15 months on purchases and balance transfers, then a 19.99% - 29.99% (variable) APR. Balance transfer fee applies.

• $200 welcome bonus: This card has a welcome bonus for new card members, an unexpected perk for a card with a $0 annual fee. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening!
• 1.5% cash back: Earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
• $0 annual fee: Enjoy a $0 annual fee with the Capital One Quicksilver Cash Rewards Credit Card. 
• Complimentary Uber One: Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. 
• No rotating categories: No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account, and there's no limit to how much you can earn. 
• 0% intro APR: 0% intro APR on purchases and balance transfers for 15 months. Balance transfer fee applies. 19.99% - 29.99% (variable) APR after that.