7 Astonishing Credit Cards for Earning Rewards Points in 2024

If you're looking to maximize your spending and get the most value out of every dollar spent, rewards points credit cards are a powerful tool. Whether you’re interested in travel rewards, cashback, or flexible points, there’s a card for you. Below, we’ve compiled a list of the best credit cards for rewards points in 2024, featuring cards that offer high earning potential, amazing sign-up bonuses, and exclusive benefits.

1. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card continues to be a top pick for those looking to maximize travel and dining rewards. Chase Ultimate Rewards points are highly valuable and can be transferred to 14 airline and hotel partners, or used to book travel directly through the Chase travel portal at a 25% boost in value.

Key benefits:

• Earn 60,000 bonus points after spending $4,000 in the first three months, worth $750 when redeemed for travel through Chase Ultimate Rewards.
• 2x points on travel and dining, and 1x point on all other purchases.
• Points are transferable to popular travel partners like United Airlines, Southwest, and Hyatt.

2. American Express® Gold Card

The Amex Gold Card is a powerhouse for foodies and frequent travelers. You’ll earn 4x Membership Rewards® points at restaurants and U.S. supermarkets, making it perfect for those who spend heavily in these categories. The points can be transferred to more than 20 airline and hotel partners, giving you incredible flexibility when redeeming them for travel.

Key benefits:

• Earn 60,000 Membership Rewards® points after spending $4,000 in the first six months.
• 4x points on dining at restaurants and groceries (up to $25,000 per year).
• 3x points on flights booked directly with airlines or via Amex Travel.

3. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card makes earning points on everyday purchases simple and straightforward. With 2x miles on every purchase, it’s a great option for those who want a no-fuss rewards structure. Plus, the miles are versatile and can be used to erase any travel purchase or transferred to over 15 travel loyalty programs.

Key benefits:

• 75,000 bonus miles after spending $4,000 within the first three months.
• Earn 2x miles on every purchase, every day.
• Miles can be transferred to 15+ travel partners or used as a statement credit for travel purchases.

4. Citi Premier® Card

The Citi Premier® Card stands out for its broad earning categories. You’ll get 3x points on travel, dining, gas stations, supermarkets, and hotels. This is one of the few cards that combines rewards for both travel and daily spending, making it highly versatile for earning points.

Key benefits:

• Earn 60,000 ThankYou® Points after spending $4,000 in the first three months.
• 3x points on air travel, hotels, restaurants, supermarkets, and gas stations.
• Points are transferable to multiple airline partners, including JetBlue and Singapore Airlines.

5. The Platinum Card® from American Express

For those looking for a luxury travel experience, The Platinum Card® from American Express is the ultimate choice. While it comes with a higher annual fee, the card offers 5x points on flights and hotels, and the Membership Rewards points can be transferred to more than 20 travel partners. Plus, the card gives you access to over 1,300 airport lounges and annual travel credits.

Key benefits:

• Earn 80,000 Membership Rewards® points after spending $6,000 in the first six months.
• 5x points on flights booked directly with airlines or through Amex Travel.
• Transfer points to 20+ airline and hotel partners, including Delta, British Airways, and Hilton.
• Access to Centurion Lounges, Priority Pass Lounges, and Delta Sky Club.

6. Marriott Bonvoy Boundless® Credit Card

The Marriott Bonvoy Boundless® Credit Card is designed for Marriott loyalists who want to rack up hotel points quickly. You’ll earn 6x points on Marriott stays and 2x points on all other purchases. Points can be redeemed for stays at 7,000+ Marriott properties worldwide, making this card ideal for frequent travelers who prefer Marriott hotels.

Key benefits:

• Earn 100,000 bonus Marriott Bonvoy points after spending $3,000 in the first three months.
• 6x points on purchases at Marriott Bonvoy hotels.
• Enjoy one free night stay every year on your card anniversary (up to 35,000 points).

7. Hilton Honors American Express Aspire Card

For Hilton hotel fans, the Hilton Honors American Express Aspire Card offers massive point-earning potential and elite status perks. You’ll earn 14x points on Hilton purchases, and 7x points on flights, car rentals, and restaurants. On top of that, the card comes with automatic Hilton Diamond status, which includes room upgrades, free breakfast, and late check-out.

Key benefits:

• Earn 150,000 Hilton Honors points after spending $4,000 in the first three months.
• 14x points on Hilton purchases, 7x points on dining, flights, and car rentals, and 3x points on everything else.
• Enjoy complimentary Hilton Diamond status with extra perks like free breakfast and room upgrades.

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Frequently Asked Questions (FAQs)

Q: What is the best type of rewards points credit card?

A: The best type of rewards points credit card depends on your spending habits and goals. If you frequently travel, a card that offers travel points and flexible point transfers like the Chase Sapphire Preferred® or Amex Gold Card is ideal. For those who want a simplified earning structure, the Capital One Venture Rewards Card is an excellent choice.

Q: How do rewards points credit cards work?

A: Rewards points credit cards give you points for every dollar you spend. These points can typically be redeemed for travel, cashback, gift cards, or merchandise. Some cards, like the Amex Platinum, allow you to transfer points to airline and hotel partners, making them more valuable when booking travel.

Q: Can rewards points be transferred between programs?

A: Many credit cards, such as the Chase Sapphire Preferred® and the Amex Gold Card, allow you to transfer your points to airline and hotel partners, often at a 1:1 ratio. This can increase the value of your points, especially when redeeming for flights or hotel stays.

Q: Are rewards points credit cards worth the annual fee?

A: Yes, if you maximize the card's benefits. For example, the Amex Platinum has a high annual fee but offers elite travel perks, such as lounge access and $200 airline fee credits. Similarly, the Chase Sapphire Preferred® offers a 25% points boost when redeeming points through the Chase portal, which can outweigh the cost of the annual fee.

Q: How can I maximize my rewards points?

A: To get the most out of your rewards points, focus your spending on categories that earn the highest points. For example, use a card like the Amex Gold to earn 4x points on dining or the Citi Premier® for 3x points on gas and groceries. Also, consider using cards that offer large sign-up bonuses, which can significantly boost your points balance.

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Choosing the right rewards points credit card for 2024 depends on what you want out of your spending. Whether you’re looking for travel perks, cashback, or flexibility, these 7 stunning credit cards are designed to maximize your rewards points and help you make the most of your purchases.