Unveiling the Top Credit Card Rewards: Your 2024 Ultimate Guide

There's nothing better than enjoying all the benefits and advantages of your credit card, right? Airline miles, discounts on car rentals and hotels, protections, and insurance are some of the exclusive benefits for credit card users in 2024.

But to get the most out of each credit card, you must be well-informed to maximize your entitlements. That is why we have summarized the best credit card rewards programs.

Users benefit most from the most varied rewards programs and the highest competition between card operators. Intermediaries need to offer more benefits to differentiate themselves from the competition in the financial market.

While all this happens, fees become irrelevant when they are diluted with discounts, prizes, and experiences. This way, they are no longer considered a cost but an investment. 

Keep reading to learn more about the best each card has to offer.

American Express Platinum Card

For US$175 per year, each American Express Platinum Card user can link up to 3 users to their account. Each registered user receives a card with their name to travel with or without the primary card holder. With this, the client can have unlimited access to airport VIP lounges for a year.

Another attractive reward is that you have some opportunities if you use your card a lot and spend more than US$75,000 a year. Bring two guests for free until the end of the following year to enjoy lounges and VIP rooms. In this case, you do not need to pay the $175 fee to give your guests access.

Even with a considerable annual fee of US$695, Amex always offers new things to its users. This includes access to unique lounges at airports, such as Delta Sky Clubs, Escape, and Plaza Premium lounges, and more than 1,300 places for customers to enjoy comfort and sophistication.

It is also possible to use a US$200 credit for fees such as excess baggage charges, seat assignments, and digital entertainment (Disney+, SiriusXM). 

Discounts of up to US$200 on hotels, room upgrades, and even breakfast in many units are some of the benefits granted to holders of this credit card. 

Not to mention the points that can be redeemed as money for tickets, hotels, and other trips, making this a fantastic product for everyone who loves travel and dining or entertainment experiences.

United Club Infinite

Offering free baggage check-in, a 25% discount on onboard purchases and United Club purchases, and a 10% discount on most mileage awards and travel insurance with differentiated benefits, United Club Infinite is one of the cards with the most valued miles in the American aviation market.

Late check-out, room upgrades, and bonus points are freebies for card users at partner hotels – just to begin.

For $525 annually, you can earn 4 miles for every dollar spent on United purchases, 2 miles for every dollar spent on dining, and one mile for other United purchases.

Could this be the ultimate traveler's card? Maybe.

Citi/AAdvantage Executive World Elite Mastercard

With an annual fee of US$450, the Citi/AAdvantage Executive World Elite Mastercard is the card for American Airlines frequent flyers.

In its benefits program, you can earn double miles on purchases with America Airlines and $100 credit for TSA PreCheck or Global Entry – programs that speed up the passage through airport security for its previously registered and analyzed customers.

You can also get priority boarding, discounts on food and drinks offered on board, and a free checked bag. You can also benefit from access to the Admirals Club room with two guests you choose. Sounds great, doesn't it?

It is worth noting that this card does not have travel insurance protection; however, with it, frequent American Airlines passengers can reach elite status faster, which brings some additional advantages.

American Airlines has another credit card without an annual fee but does not offer the abovementioned advantages. So, let's skip that for now.

Chase Sapphire Preferred Card

One of the cards with the lowest annual fee and highest number of benefits nowadays in the market is the Chase Sapphire Preferred Card. 

When spending from US$4000 in the first three months, the user receives an entry bonus of 60,000 points that can be transferred to partner hotels and airlines, which are Aer Lingus, Air Canada, British Airways, Emirates, AIR FRANCE, KLM, IBERIA, JetBlue, Singapore Airlines, Southwest, United Airlines, and Virgin Atlantic.

The annual cost is just $95, giving you 5 points for every dollar spent on travel purchased through the Chase Rewards travel portal. 

In restaurants, the advantage is 3 points for every dollar. For other purchases and travel expenses, the score is multiplied by two. For other customer expenses, the customer receives one point per dollar.

Among rewards such as complete travel insurance, the beneficiary receives an annual credit of US$50 on hotel stays through the rewards travel portal and a 10% bonus calculated on all points accumulated during the validity period.

Apple Card

The Apple Card is unlike any we have discussed in this text so far. You will only pay something with no annual fee when you spend it.

If you use Apple products, you need to experience the benefits of this card. Considering that you already know the quality of these products, this reward helps you to be accurate when renewing your electronics.

With your Apple Card, you can access differentiated installments of 6, 12, or even 24 installments, and the best is that it is interest-free.

And even more, cashback and other prizes will make you always have your card on hand.

With no annual fees, for every purchase of Apple products and other partners, you receive 3% cashback. 

Check out the list of main partners:

• Duane Reade
• Mobil
• Panera Bread
• Uber
• Walgreens
• Ace Hardware
• Exxon
• Nike
• T-Mobile

It is undoubtedly an excellent product for those who frequently consume from this brand's partners.

After this definitive guide, you already have everything you need to know to choose the credit card with the best benefits in 2024.

If you want to know more about each card individually, you can access other available content on our website.