**Best Credit Cards for November 2024**

The best credit card is the one that best suits your specific needs. From generous rewards and big sign-up bonuses to long 0% interest periods and help building credit, the credit card experts at NerdWallet have reviewed and evaluated hundreds of options for the best credit cards for 2024, allowing you to find the one that’s right for you.

**Compare Credit Card Features:**

**Annual Fees:**

Some people absolutely refuse to pay a fee just to have a credit card. However, annual fees can be worth it in some cases. It all depends on whether the value you get from the card outweighs the amount you’re paying. If you’re still determined not to pay, check out the best credit cards with no annual fees for 2024.

**Other Fees:**

Depending on what you plan to do with the card, you should consider these other fees:

- Balance transfer fees. Check out the best credit cards with no balance transfer fees for 2024.

- Foreign transaction fees. Check out the best credit cards with no foreign transaction fees for 2024.

- Cash withdrawal fees. Using your credit card to get cash is expensive.

- Late fees and returned payment fees. These fees can be high, but they are avoidable.

**Introductory interest rate:**

Each credit card offers value in its own way, through a unique set of features. And there are trade-offs involved. For example, if you want rewards, you’ll likely have to accept a higher interest rate. If you’re looking for high-value benefits, you’ll likely pay an annual fee. If you want a low interest rate and no fees, don’t expect much from a card. In other words, you’re unlikely to find a single card that offers a high rewards rate, a long 0% period, a very low interest rate, generous benefits, and no annual fee.

**Here are the key points to compare when considering credit cards:**

Credit card companies work to attract customers by offering a low introductory interest rate to people with good credit.

**Ongoing Rate:**

The ongoing rate is what you pay after any introductory rate ends. Some cards charge a flat rate for all cardholders; others allow a range of rates depending on your creditworthiness. Generally, the better your credit, the more likely you are to qualify for a lower rate. However, if you pay off your balance in full each month, your interest rate doesn’t really matter because you won’t be charged any interest.