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Best Credit Cards of April 2024

CREDIT CARDS
The FinanceBuzz experts have weighed in! Don't ignore these excellent credit card offers from our partners -- earn up to 5% cash back, rack up generous bonus and reward offers, or lock down 0% interest into 2025. Check out these featured card offers from our partners below.
Last updated April 11, 2024 | By FinanceBuzz Editors

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Excellent for high flat-rate cash rewards

Wells Fargo Active Cash® Card

5.0

on Wells Fargo’s secure website

Reward Rate

2% Cash rewards

Intro Offer

$200 Cash rewards

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 cash back + intro balance transfer perks

Capital One Quicksilver Cash Rewards Credit Card

4.5

on Capital One’s secure website

Reward Rate

1.5% - 5% Cash back

Intro Offer

$200

Annual fee

$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Capital One Quicksilver Cash 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 offers a $0 annual fee and uncomplicated rewards, with 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).
  • A great additional perk of the card is a $200 welcome bonus after you spend $500 in the first 3 months.
  • » Apply now for the Capital One Quicksilver Cash Rewards Credit Card



Excellent for travel rewards rates and redemption

Chase Sapphire Preferred® Card

4.9

on Chase’s secure website

Reward Rate

1X - 5X Points

Intro Offer

60,000 Points

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 travel rewards

Capital One Venture Rewards Credit Card

4.7

on Capital One’s secure website

Reward Rate

2X - 5X Miles

Intro Offer

75,000 Miles

Annual fee

$95

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Capital One Venture Rewards Credit Card is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Rewards are simple! You can earn 2 miles per dollar on every purchase, every day.
  • Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening -- a welcome offer that can take you far.
  • » Apply now for the Capital One Venture Rewards Credit Card



Excellent for uncomplicated cash back rewards

Bank of America® Unlimited Cash Rewards credit card

4.5

on Bank of America’s secure website

Reward Rate

1.5% Cash back

Intro Offer

$200

Annual fee

$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Bank of America® Unlimited Cash Rewards credit card is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Simplify your rewards with this card! Cardmembers earn unlimited 1.5% cash back on all purchases.
  • A generous welcome bonus rounds out the benefits of this card, as cardmembers can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • » Apply now for the Bank of America® Unlimited Cash Rewards credit card



Excellent for cash back on traveling and dining

Chase Freedom Unlimited®

4.7

on Chase’s secure website

Reward Rate

1.5% - 5% Cash back

Intro Offer

Up to $300 Cash Back

Annual fee

$0

Why We Like It

Card Details

GOOD TO KNOW
  • The recommended credit score for the Chase Freedom Unlimited® is good to excellent (typically 670 or higher). Note that a credit score in the recommended range does not guarantee approval.
  • Rack up rewards with this card, as you 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.
  • Take advantage of an enticing welcome offer: earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).
  • » Apply now for the Chase Freedom Unlimited®



Excellent for high-rate cash back categories

Discover it® Cash Back

4.7

on Discover’s secure website

Reward Rate

1% - 5% Cash back

Intro Offer

Cashback Match™

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



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.

Capital One Quicksilver Cash Rewards Credit Card

EARN 1.5% cash back + $200 cash bonus

4.5


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.

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.

Capital One Venture Rewards Credit Card

EARN 2 miles per dollar on every purchase, every day + 75,000 miles

4.7


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.

Bank of America® Unlimited Cash Rewards credit card

Low Interest on Purchases and Qualifying Balance Transfers Until 2025

4.5


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.

Chase Freedom Unlimited®

up to 5% cash back + 0% intro APR for 15 months

4.7


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

Click here to apply for Chase Freedom Unlimited® now.

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 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.

Bottom Line

The Wells Fargo Active Cash® Card is a great choice for almost everyone. Cardholders can benefit from a generous welcome bonus, earn 2% cash rewards on purchases, and 0% intro APR for 15 months from account opening on qualifying balance transfers and new purchases — all without an annual fee.

  • Intro APR: Enjoy a 0% introductory APR on purchases for 15 months from account opening then 20.24%, 25.24%, or 29.99% Variable APR thereafter. You also get a 0% intro APR for 15 months from account opening on qualifying balance transfers then 20.24%, 25.24%, or 29.99% Variable APR thereafter.
  • No annual fee: The Active Cash card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
  • Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Cash rewards: Cardmembers earn 2% cash rewards on purchases. If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card card could be a good option for you.
  • Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
  • Cell phone protection: Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

» Click here to apply now and pay 0% interest until July 2025

Lucrative, Flat-Rate Cash Rewards

Benefits

Card Details

  • $200 cash rewards bonus after spending $500 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • Intro APR on purchases and qualifying balance transfers
  • $0 annual fee
  • Apply Now
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Wells Fargo Active <span class='whitespace-nowrap'>Cash<sup>®</sup></span> Card
5.0
Apply Now

on Wells Fargo’s secure website

Read Card Review

Intro Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

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.

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