Introduction:
Are you looking for a credit card? If you are
looking for the best credit cards in America, then you’ve come to the right
place. In this review, I’m going to look at what makes for one of these
top-notch credit cards: how much money you can earn if you max out the card,
how much it will cost to apply for a $600 credit card, and which bank offers
one of these cards.
There are a lot of credit cards out there, many
of which claim to be the best. But let’s be honest, they’re not all created
equal. Some are definitely better than others — especially when it comes to
rewards and perks. we’ve done research on different types of cards, comparing
them across categories for ease of use and rewards. Our comparison includes
both regular credit cards as well as special rewards cards like $500 airline
miles cards and travel hacking tools for frequent flyers.
Chase Sapphire Preferred®.
It’s no secret that I love Chase Sapphire
Preferred®.
The card offers an amazing sign-up bonus, has no
annual fee, and gives you great rewards on travel and dining expenses.
The card also comes with a $0 fraud liability if
your account is ever compromised. This means you won’t have to pay off
fraudulent charges that are made on your account, which can be a big relief if
you ever lose your wallet or purse.
Chase Sapphire Preferred® cardholders enjoy a
host of benefits, including the ability to earn points on purchases and
transfer them to other loyalty programs. The Chase Sapphire Preferred® Card is
designed for those who want to earn the most rewards possible when shopping at
the world’s best hotels and restaurants, as well as at wholesale clubs and
department stores.
Earn 3X points per $1 spent on travel, dining,
and internet every day you spend (and 1 point per $1 spent elsewhere).
Earn 50,000 bonus points after you spend $4,000
on purchases in the first 3 months from account opening. That’s $625 toward
travel when you redeem through Chase Ultimate Rewards®
No foreign transaction fees on purchases
0% Intro APR for 12 months on balance transfers
made within 45 days of account opening; 13.99% – 22.99% variable APR; No
balance transfer fee.
The Chase Sapphire Preferred® Card is a
no-annual-fee plastic card that offers a slew of travel benefits, including up
to $300 in travel credit per year.
The card earns an additional 10 points for each
dollar spent on dining and entertainment. It also gets you unlimited 2X points
at restaurants and on airline tickets when redeeming through Chase Ultimate
Rewards (UR), which can be redeemed for cash back, gift cards, or merchandise.
You can use UR in the following ways:
Airline fee credit. You’ll get up to $100 per
calendar year in airline fee credits when you use UR to book travel through
Chase’s travel portal. Those credits will appear as a credit on your statement
within 90 days of booking your flight or cruise; they’re valid for up to six
months after you book a trip and are separate from any bonus miles you may earn
with your rewards credit cards.
Travel portal booking credits. You’ll get 30%
off all hotel stays booked through the Chase Travel Portal when you use UR — up
to $300 per calendar year — plus 7X points (up to $70) on those purchases,
making them even more valuable than airline fees saved by using UR as your
primary card for booking travel purchases.
Citi® Double Cash Card.
The Citi Double Cash Card is a no-annual-fee
card that earns 2% cash back on purchases in rotating categories, and 1% back
on all other purchases.
The Citi Double Cash Card is a great option if
you want to earn double cash back on every purchase you make. It also has an
easy-to-use rewards program that allows you to collect rewards faster.
The Citi® Double Cash Card is a credit card that
offers double cash back rewards on all purchases, which can be redeemed as a
statement credit or donated to the Citi Card Donation Program.
The Citi® Double Cash Card gives users the
opportunity to earn 2% cash back on every purchase, plus 1% bonus cash back on
every purchase, with no annual fee.
Users will receive an automatic $25 bonus when
they spend $500 in the first three months after opening their account. The
bonus offer is valid for new accounts only.
If you apply by April 30, you’ll have access to
all of the Double Cash card’s benefits through the end of September 2023.
The Citi® Double Cash Card is a reward card that
offers 2% cash back on every purchase you make. It’s a great travel credit
card, and can be used anywhere Mastercard and Visa are accepted.
The signup bonus is generous, making the Citi®
Double Cash Card one of the best cash-back cards in the market today. You don’t
even have to spend $5,000 in a year to get the signup bonus — just spend $3,000
on your new card within 3 months of opening your account. If you spend enough
money each month to earn 2% cash back, you can spend just as much money and
earn 2% cash back on everything you buy.
Capital One® Venture® Rewards
Credit Card.
We know that when you’re looking for a new credit card, there
are many factors to consider. With that in mind, we’ve created this page to
help you find the best card for your lifestyle and situation.
We want you to be able to enjoy all the rewards
programs offered on Capital One® Venture® Rewards Credit Card, including:
A cash-back reward program that can earn up to
5% cash back on every purchase — with no annual fee
Rewards that range from $50 to $200 per year
(and sometimes more)
No foreign transaction fees.
No late payment fees.
The Capital One® Venture® Rewards Credit Card is
a cash-back credit card that gives you 1.25% cash back on every purchase, every
day, with no annual fee. The Capital One® Venture® Rewards Credit Card is also
one of the most popular travel rewards credit cards available today.
If you want to earn miles and redeem them for
free flights, cruises, and other travel experiences, this is the perfect credit
card for you. It’s a great way to start earning rewards while paying your
balance off in full each month.
The Capital One® Venture® Rewards Credit Card is
a great option for people who love to travel and are looking for a card that
rewards their travel spending.
The Capital One® Venture® Rewards Credit Card
has a signup bonus of 50,000 miles after you spend $3,000 on purchases within
the first 3 months of opening your account.
Cardholders earn an unlimited 1 mile per dollar
spent on every purchase including cash advances, balance transfers, and travel
purchases. Miles can then be redeemed for statement credits to use toward the
following:
Travel: Flight + Hotel up to $250 each way;
Parking up to $20/day; Car Rental up to $100/day based on availability at time
of booking.
Purchase Protection: Purchase protection is
extended up to 60 days from the original purchase date (for eligible items).
Eligible items include cell phones, computers, and tablets, jewelry and watches
under $500, camera equipment under $1,500, sporting goods equipment under
$1,500, and most electronics.
Discover it® Cash Back.
Discover it® Cash Back credit cards are the
perfect option for people who want to earn cash back rewards on every purchase.
Discover it® Cash Back credit cards offer 3% cash back on rotating categories
of your choice, like gas stations and grocery stores. Plus, cardholders can
earn unlimited 1% cash back on everything else.
Discover it® Cash Back credit cards also offer
an introductory 0% APR period after making your first 5 purchases on the
account within 3 months of opening an account. After that, the APR will be
16.24% – 24.24%.
Discover it® Cash Back is a reward credit card
that gives you cash back on every purchase, no matter how big or small.
It’s easy to earn Cash Back with this card:
Make everyday purchases and get the money
deposited into your account right away
Redeem your cash back for statement credits,
gift cards, or statement credits
Redeem more than the minimum amount required to
earn rewards and get a bonus reward
Choose from an array of reward options,
including merchandise and travel rewards.
Discover it® Cash Back credit cards are designed
to help you earn cashback rewards on your everyday purchases. You can use your
card anywhere that accepts Visa, so you can get rewarded whether you’re at the
grocery store or shopping online. Discover it® Cash Back cards offer a fair
annual percentage rate (APR) of 16.24%, which is lower than the national
average APR of 17.24% for all credit cards and lower than the average APR offered
by many other cashback cards.
You’ll earn 1% cash back on every purchase made
with your Discover it® Cash Back card, up to $25,000 in purchases each quarter.
Plus, automatic cash-back redemption means you can easily earn more rewards as
you spend more money on items like groceries and gas.
Discover it® Cash Back offers two types of cards
— one for consumers who want to earn rewards and one for businesses that want
to reward their employees — so there’s a Discover it® Cash Back card for
everyone!
Chase Freedom Unlimited®.
Chase Freedom Unlimited® is the no-annual-fee
version of our popular Chase Freedom® checking account. It’s free to open and
easy to keep track of, with no minimum balance requirement. Plus, it comes with
our most popular savings products:
No monthly service fee.
No minimum balance requirement.
No overdraft fees.
Chase Freedom Unlimited®
Chase Freedom Unlimited® is a no-annual-fee
checking account that is perfect for those who want to earn rewards without
paying an annual fee. You can earn cash back or Chase Ultimate Rewards points
and use them to pay for things you want, like travel and dining.
With unlimited deposits and transfers, you’ll
never have to worry about having enough money in your account to cover charges.
Plus, there are no monthly fees or minimums on any of your transactions, so you
can keep earning cash back or points as often as you want.
American Express Cash Magnet™
Card.
The American Express Cash Magnet™ Card is a
no-annual-fee, cash-back credit card that earns 2% cash back on every purchase.
You can redeem your cash back into an eligible American Express Spending
Account or use it to pay off your balance.
The American Express Cash Magnet™ Card is a
great option if you want to earn rewards and pay less in annual fees than with
other cards that offer the same sign-up bonus. But what makes this card stand
out from the rest? Let’s take a look at why the American Express Cash Magnet™
Card might be right for you.
If you’re looking for a credit card that offers
cash-back rewards, the American Express Cash Magnet™ Card is the one for you.
With 2 percent cash back on every purchase, the Cash Magnet™ Card is a great
option for earning rewards and getting the most out of your spending.
The card also comes with a few extras:
$100 online shopping bonus after you make $1,000
in purchases within the first 90 days of account opening.
$20 statement credit every time you activate or
renew your card.
No annual fee.
The American Express Cash Magnet™ Card is an
exceptional choice for anyone who values cash-back rewards. With the Cash
Magnet™ Card, you can earn 1% cash back on every purchase that carries a
qualifying merchant category code (MC), which includes gas stations, grocery
stores, and drugstores.
You can also earn double points at US restaurants
and US supermarkets, which means you’ll be earning 1% cash back on all
purchases made at restaurants and 2% cash back on all purchases made at
supermarkets – and both are double the amount of what you would get with other
cards.
Bank of America® Travel
Rewards Visa credit card.
The Bank of America® Travel Rewards credit card
is one of the best travel rewards cards available. It offers 2 points per $1
spent on all purchases, 1 point per $1 spent on Bank of America purchases, and
a 15% bonus after your first purchase.
The card also comes with a 100% refundable
security deposit, so you can rest easy knowing that your card will be replaced
if it is lost or stolen.
The card has no foreign transaction fees, which
means you can use it anywhere in the world without worrying about paying extra
fees. In addition, the annual fee for this card is only $0 for the first year
(then $15/year thereafter).
If you want to earn travel rewards, the Bank of
America® Travel Rewards Visa credit card is a good place to start. The card
gives you 1.5 points per dollar spent on eligible travel purchases, and there
are no annual fees or foreign transaction fees.
The Bank of America® Travel Rewards Visa card is
one of the best travel rewards credit cards available today. It has a high
rewards rate and no annual fee, making it the perfect choice if you travel
frequently or want to earn rewards for your purchases.
The card is ideal for those who want to earn
points through their everyday purchases, but don’t want to deal with the hassle
of signing up for multiple programs or tracking down receipts each time they
shop at Home Depot or Target.
If you have excellent credit and are looking for
an option that gives you more flexibility than a regular cash-back card, the
Bank of America® Travel Rewards Visa is a great choice.
It’s easy to earn points with the Bank of
America® Travel Rewards Visa credit card. The card offers a welcome bonus, a
sign-up bonus, and a point-earning structure that is easy to follow.
The welcome bonus is 25,000 points when you make
your first purchase with the card. You’ll receive this bonus after signing up
for the card and making your first purchase within three months of the account
opening date.
The sign-up bonus is 50,000 points if you spend
$1,000 on purchases within three months of opening your account. This offer is
also available to consumers who are approved for an additional sign-up bonus.
The point-earning structure is relatively
simple: You earn two points per dollar spent on travel expenses (such as airline
tickets or hotels) and 1 point per dollar spent on everything else (such as
restaurants). Points can be redeemed for cash back or used toward future
purchases at select merchants, including Amazon.com and
American Airlines AAdvantage program.
Conclusion:
Getting the best credit cards in America can be
a challenge, but these credit card companies have made it easy for you to get
the best credit cards with fantastic perks and rewards programs. Each of these
best credit cards is available today and makes it easy to earn cash-back
rewards on everyday purchases. So check out our list of the seven best credit
cards in America so you can select the right one to fit your needs!
The credit card industry is constantly
innovating, so it’s no surprise that some of the best cards bear little
resemblance to what they were five years ago. In fact, some of these new cards
are barely even worth having plastic; they’re all about mobile pay right now.
And, who knows what the world holds for credit cards in the future? We look forward
to finding out; that’s why we’ve assembled this list of the 7 Best Credit Cards
in America.