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Humans possess the ability to identify and generalize relevant features of natural objects, which aids them in various situations. To investigate this phenomenon and determine the most effective representations for predicting human behavior, we conducted two experiments involving category learning and reward learning. Our experiments used realistic images as stimuli, and participants were tasked with making accurate decisions based on novel stimuli for all trials, thereby necessitating generalization. In both tasks, the underlying rules were generated as simple linear functions using stimulus dimensions extracted from human similarity judgments. Notably, participants successfully identified the relevant stimulus features within a few trials, demonstrating effective generalization. We performed an extensive model comparison, evaluating the trial-by-trial predictive accuracy of diverse deep learning models' representations of human choices. Intriguingly, representations from models trained on both text and image data consistently outperformed models trained solely on images, even surpassing models using the features that generated the task itself. These findings suggest that language-aligned visual representations possess sufficient richness to describe human generalization in naturalistic settings and emphasize the role of language in shaping human cognition.