Top Credit Cards In 2024 and Who Should Consider Them

For more in-depth information, please check out the review posts.

BILT Mastercard

Best For Renters ⭐️

The BILT Mastercard allows you to earn points towards rent payments, making it ideal for renters wanting to be rewarded for their largest monthly expense. The unique rewards structure is tailored specifically to renters’ spending habits.

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Why We Love BILT

  • Earn points on rent payments
  • Earn bonus points on travel, dining, rideshares, and fitness club purchases
  • Redeem points for travel through the BILT travel portal or for cash back
  • No annual fee
  • Reports rent payments to all three credit bureaus to help build credit
  • Earns 3x points on housing transactions like rent, mortgage payments, property taxes, insurance payments, and more. This makes it easy to rack up points when paying for housing expenses.
  • Provides on-time rent payment rewards. Cardholders earn 500 points each month they pay rent on time. 

Discover It

Best For Students & Beginners

Why We Love The Discover It Card

  • Cash Back Rewards: The Discover it® Card offers generous cash back on everyday purchases, such as 5% cash back on rotating categories each quarter, like gas stations, grocery stores, and Amazon.com, up to the quarterly maximum when you activate. Plus, unlimited 1% cash back on all other purchases automatically.
  • No Annual Fee: There is no annual fee, making it cost-effective for students and beginners who are mindful of saving money.
  • Introductory APR Offer: It offers an introductory 0% APR on purchases and balance transfers for the first 14 months (then a variable rate, currently 14.49% to 25.49%). This can be particularly helpful for managing large purchases or existing credit card debt.
  • Good Grade Reward: Students can benefit from the Good Grade Reward program, which gives a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.
  • Free FICO® Credit Score: Cardholders can access their FICO® Credit Score for free on monthly statements and online, which is great for those looking to build and monitor their credit score.

Overall, the Discover It Card is a great option for anyone who wants to maximize cashback rewards. The 5% bonus categories combined with the cashback match make it easy to earn a nice return. It’s a simple card with no annual fee, so it’s good for consumers who want cash back without needing to pay a high annual cost.

American Express® Gold Card

Best For The Experienced Credit Card Holder

Why we love the amex gold card

The American Express® Gold Card is well-suited for individuals who frequently dine out and travel.

  • Frequent Diners: The card offers a high reward rate at restaurants, including takeout and delivery in the U.S., making it ideal for food enthusiasts.
  • Travel Enthusiasts: Earns substantial points on flights booked directly with airlines or through American Express Travel, making it great for regular travelers.
  • Grocery Shoppers: Provides strong rewards at U.S. supermarkets, which can benefit anyone looking to maximize their spending on groceries.
  • Annual Dining Credit: Cardholders receive a dining credit that can be used at select restaurants and food delivery services, adding value for those who enjoy eating out or ordering in.
  • Annual Airline Fee Credit: Offers an annual airline fee credit for incidental charges that are made on one selected qualifying airline, helping to offset travel costs.
  • No Foreign Transaction Fees: Makes it a good option for international travelers as it does not charge any fees on purchases made abroad.
  • Transferable Points: Points can be transferred to a variety of airline and hotel loyalty programs, which is beneficial for maximizing travel rewards.
  • Travel Protections: Includes baggage insurance and car rental loss and damage insurance, adding a layer of security when traveling.
  • Entertainment Access: Provides exclusive access to ticket presales and cardholder-only events, which is a nice perk for those interested in concerts, theater, and sporting events.
  • Gold Card Concierge: Offers a personalized concierge service to help with travel planning, dining reservations, and more, enhancing the overall cardholder experience.

American Express® Platinum Card

Best For Frequent Flyers & Travelers

Why we love the amex platinum card

  • Frequent Flyers: Ideal for those who travel often, as it offers extensive rewards on flights booked directly with airlines or through American Express Travel.
  • Luxury Travelers: Provides access to a worldwide network of over 1,300 airport lounges across 140 countries through the Global Lounge Collection, including Centurion Lounges, Priority Pass lounges, and more.
  • Hotel Aficionados: Offers complimentary Gold status with Hilton Honors and Marriott Bonvoy, enhancing stays with room upgrades and bonus points.
  • Large Travel Credits: Includes up to $200 airline fee credit annually for incidental charges with one selected airline, up to $200 in Uber savings annually, and up to $100 credit for Global Entry or TSA Pre✓® fees every 4 years.
  • Comprehensive Travel Insurance: Comes with travel insurance coverages including trip cancellation and interruption insurance, baggage insurance, and car rental loss and damage insurance.
  • Entertainment Benefits: Provides access to exclusive experiences such as by-invitation-only events, premium seating for concerts and other live events.
  • Concierge Service: 24/7 Platinum Concierge service available to help with travel arrangements, reservations, and more, providing a personalized touch to your planning.
  • No Foreign Transaction Fees: Suitable for international travelers, as there are no foreign transaction fees on purchases made outside the U.S.
  • Point Transfer to Travel Partners: Points can be transferred to multiple airline and hotel loyalty programs, allowing for flexible use of accumulated points.

American Express Marriott Bonvoy Brilliant Card

Our Favorite For Booking Hotel Stays

Why we love the amex Marriott Bonvoy Card

The American Express® Marriott Bonvoy Card is specifically designed for frequent travelers who frequently stay at Marriott hotels and want to maximize their travel rewards.

  • Marriott Loyalists: Best for individuals who prefer staying at Marriott properties, including a broad range of brands from luxury to budget-friendly.
  • Frequent Hotel Guests: Ideal for those who often stay at hotels for either business or leisure, as it provides valuable rewards for each stay.
  • Points Accumulators: Offers generous points on purchases made at participating Marriott Bonvoy hotels, making it excellent for accumulating rewards quickly.
  • Welcome Bonus: Typically offers a substantial welcome bonus in Marriott Bonvoy points, which can be redeemed for free nights, enhancing its appeal for new cardholders.
  • Automatic Elite Status: Cardholders receive automatic Silver Elite status with Marriott Bonvoy, which includes benefits like late checkout, bonus points on stays, and more.
  • Annual Free Night Award: Provides an Annual Free Night Award after card renewal, which can be used at participating hotels costing up to a certain number of points, adding significant value to the card.
  • Path to Gold Status: Spending a specific amount annually on the card can upgrade the cardholder to Gold Elite status, offering even more benefits like room upgrades and welcome gifts at hotels.
  • Global Entry/TSA Pre✓® Credit: Includes a credit for Global Entry or TSA Pre✓® fees once every four to five years.
  • No Foreign Transaction Fees: Makes international purchases more economical by eliminating foreign transaction fees.
  • Travel and Purchase Protections: Includes travel accident insurance, baggage insurance, and purchase protection, which can be valuable for travelers.

Overall, with the 6x points and free night per year, this card allows frequent Marriott guests to maximize their stays. The elite status provides additional on-property benefits. It’s ideal for those loyal to the Marriott Bonvoy program.

*Please note, cards may vary based on current credit card offers and rates

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