Are you still stuck at deciding on which are the best credit cards for you and your family? Here’s what you need to understand if you are planning to sign up for any of the credit cards. No one credit card is indeed going to suffice your needs as it also depends on what is the purpose of signing up for a particular credit card which is the best one.

However, with the right and the best credit card, you can not just build a good credit score, but also you can earn numerous rewards and end up saving a lot of money.

Signing up for one of the best credit cards highly depends on your credit history, how many members are there in your family, what are your travel habits, how much are your miscellaneous expenses to name a few.

Basically, the need to have a credit card for an avid traveler might be different for the one who has a family of five whose only area to spend is going for weekend trips and shopping at Whole Foods.

Therefore, to buy the best credit card, you should know what needs to be done to get the best credit card offer as per your requirements.

Let’s start with the basics here. Firstly, you decided that you will get a credit card and secondly you need to have a checklist as to why you are choosing particular credit cards based on your needs. 

Thus, here are 10 things that you need to do before applying for one of the best credit cards:

  1. To buy the best credit card look for Credit cards that come with a low interest rate.
  2. Credit cards that offer no annual fee or reasonable amount every year that depends on how much you can afford. The annual fee can range from $20 to $100 per year for the card.
  3. Credit cards that offer a grace period on new purchases.
  4. The type of credit cards you would prefer. It can be a Mastercard or Visa credit card whichever has the larger spread of acceptance as per your need.
  5. Credit cards that come with a great rewards program. You do not need a credit card that does not have good offers like a hefty welcome bonus.
  6. Annual Percentage Range (APR).
  7. Check for the introductory interest rate for those particular credit cards. Make sure that you are paying the lowest or sometimes none in the initial period.
  8. The credit card company should have a toll free service in case of any queries of emergency.
  9. Check on how you can use the loyalty points and rewards of those credit cards.
  10. Check if you qualify for the cash back. You do not need credit cards where you are just spending and not getting any cash back.

Now, with this checklist, you will know what exactly you are looking for. Here is a list of some of the best credit cards across all the arrays that you can choose from.

One of the Best Credit Cards Recommended for Dining Rewards

Chase Sapphire Preferred Card

If you are looking for a credit card that offers good rewards on travel and dining, then Chase Sapphire credit card is the right choice for you. It offers the best initial bonus points on the market especially for those members who travel a lot and do not bother to book their status through Chase.

Also, the new cardholders get 60,000 bonus points when you spend 4 000 on purchases in the first 3 months from account opening.

Up to 2X Rewards Rate

Earn 2X points on travel and dining at restaurants right from airfare and hotels to fine dining and cafes with this best credit card. Earn 1 point per every dollar spent.

Welcome Bonus: $60,000 bonus points

Annual Fee: $95

Intro APR: N/A

Regular APR: 15.99%-22.99% Variable

Credit Score: Excellent/Good (700-749)

More Details

  • Once you spend 4 000 on any purchases in the first 3 months from account opening, you are eligible to earn 60,000 bonus points. These points can be redeemed towards travel through Chase Ultimate Rewards which is $750.
  • You get to earn 2X points that include travel and dining at any restaurant in the world. And also, when you spend a dollar on other purchases, you earn 1 point per one dollar.
  • When you are redeeming the points on hotels, flight tickets, or car rentals, the deal you get is 25% of more value. For instance, your 70,000 points are worth $850 towards travel that you can redeem through Chase Ultimate rewards.
  • If you are paying a fee of $12 every year, then you are eligible to get a $0 delivery fee on qualifying food purchases service like DoorDash, Dashpass. If you activate this service by 12/31/21 then you get the offer on one of the best credit cards.
  • Get a chance to gather 5X points on Lyft rides till March 2022 with one of the best cards. These 3X points are an addition to the 2X points that you have already earned on travel.
PROSCONS
Earn 2X points on travel and dining at restaurants and the points are worth spending$95 annual fee that is not waived in the first year
Earn 1 point per dollar spent on all other purchases.Very few travel options with the card
Transfer points to leading frequent travel programs at 1:1 ratio.No introductory APR offer
No foreign transaction fees outside the U S.To get the best value, redeeming for travel expenses or point transfers is a must

Best Rotating Cash Back Credit Card

1. Discover it Cash Back Credit Card

This one of the best credit cards offers a wide margin of everyday earning with its lucrative 5% cash back rewards rate on rotating categories that include gas, restaurants, and many other things.

Discover credit card also puts up with all the cash back that you have earned at the end of your first year, which is nothing but a kind of bonus reward in the form of a cash offer to you. If you want to buy best credit card, then this is the right choice.

Rewards Rate

When you spend money on daily purchases that include restaurants, gas stations, grocery stores, online shopping then you get a 5% cash back with this card.

Also, earn an unlimited 1% cash back on all other purchases that get into the account automatically with this one of the best credit cards.

Annual Fee:$0

Intro APR Purchase:0% for 14 months intro apr 

Regular APR:11.99% to 22.99% Standard Variable

Intro Balance Transfer Fee:3% until August 10, 2020

More Details

  • When you spend money on daily purchases that include restaurants, gas stations, grocery stores, online shopping then you get a 5% cash back up to the quarterly maximum once you initiate the service with this one of the best cards.
  • Your cash back never expires with this credit card. Redeem your rewards in any amount, at any time.
  • Easily view your FICO Credit Score on monthly statements, mobile, and online for free.
PROSCONS
Beneficial for those who want high cash back on everyday purchasesNo rewards for travel expenses 
No annual fees/ annual fee 0 for credit-cardPenalty APR on a month to month balance carry forward
No foreign transaction feeEvery quarter the cash back is limited to 5%
100% U S based customer service Good credit history required to qualify
2. Chase Ink Business Cash Credit Card

If you own a small scale business, then obviously you will need money to run it. And for that signing up for the Chase Ink Business Cash Credit Card can be a lucrative choice that you can opt for.

Being a business owner you can spend heavily in its top bonus categories and to top it all it comes with a $0 annual fee. Not just that being a new credit cardholder you also get a handful of sign up bonuses.

Earning cash backs from credit cards is one of the main reasons to apply for a credit card and with Ink Business Cash Credit Card, you can find it the best fit for your small scale business.

Reward Rate

  • 5% cash back on up to $25,000 a year in spending at office supply stores and cable, internet, and phone service.
  • 2% cash back on up to $25,000 a year in spending at gas stations and restaurants.
  • 1% cash back on all other spendings.

Welcome Bonus:Get a bonus cash back of $500 once you spend $3,000 on purchases in the first 3 months from account opening.

Intro APR:0% APR on Purchases for 12 months

Annual Fee:Annual Fee 0

Regular APR:14.74% – 20.74% Variable APR

More Details

  • Earn rewards at a faster pace by setting the individual spending limits with the employee cards. 
  • With your Chase Ultimate Rewards, you can redeem all your cash back, travel rewards, and gift cards.
  • Ace every step in your business with Purchase Protection, Fraud Protection, personalized account alerts to name, and many more.
  • If you are spending the first $25,000 in purchases as a combined one at the office supply stores including internet, phone service then you get a 5% cash back.
  • You are eligible to get a 2% cash back on your first spending of $25,000 in purchases at restaurants and gas stations on every account anniversary year.
  • With this credit card, you always get an unlimited 1% cashpoints per dollar you spend.
PROS CONS 
The Annual fee is 0 Spending cap has given in bonus categories
High rewards rate given in certain categoriesLow rewards rate apart from bonus categories
Welcome bonus Requires good or excellent credit history only

Best Credit Cards For Balance Transfer

1. Citi Diamond Preferred Card

The Citi Diamond Preferred Card is one of the liable credit cards if you are looking to pay down debt or a big finance purchase. This is because the credit card has long introductory offers on balance transfers and purchases. Not just that with its $0 annual fees, it also lures the customers with its ling introductory period on new purchases along with many extra benefits that can be used even after the promotional offers expire. This feature is what makes it one of the best balance transfer credit cards.

Rewards Rate

  • 3% intro balance transfer fee (or $5, whichever is higher)
  • $25 minimum of cash redemption
  • The minimum interest charge is $0.50
  • Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater

Regular APR:13.74-23.74% (variable)

Introductory Purchase APR:0% for 12 months

Introductory Balance Transfer APR:0% for 21 months

Fees

  • Annual fee 0
  • 5% or $5 balance transfer fees (whichever is higher)
  • 3% foreign transaction fee
  • 5% or $10 cash advance fees (whichever is higher)

Penalties

  • Up to $40 late payment fee
  • Up to 29.99% penalty APR (variable)
  • Up to $40 returned payment fee

More Details

  • With this one of the best credit cards, you have free access in order to keep a tab on your FICO score online.
  • You have the privilege to get access if you want to buy tickets to multiple events like sports, concerts, restaurants to name a few with Citi Entertainment.
  • You are protected with a $0 Liability on Unauthorized Purchases and Citi Identity Theft Solutions. Therefore, your shopping experience is going to be absolutely secured.
  • The APR for the Citi Flex Plan with the card is 13.74% – 23.74% (Variable) which is completely dependent on your credit history. 
PROS CONS
Longest 0% introductory APR on balance transfers availableLack of reward program
Premium benefits like Citi Entertainment, CitiEasy Deals includedIf you fail to pay on time, the penalty APR gets up to 29.99% (variable)
Citi Flex Plan allows you to borrow cash against the available credit limit High balance transfer fee
2. Chase Slate

Other than Citi Diamond, Chase Slate can also be one of the best credit cards when it comes to balance transfer. This credit card does not just offer the customers with a good credit score but also it gives the customers a better chance to pay off the debt without any additional costs.

Since the highlight of the credit card is its free balance transfer offer, it also comes with an introductory rate of 0% for 15 months and a $0 intro balance transfer fee.

However, this offer has the clock ticking on you. To avail this free offer the new cardholders are bound to transfer the balance within 2 months from account opening to get the promotional terms and then repay their balance.

Up to 2X Rewards Rate: N/A

Welcome Bonus: $200 cash back when you spend $500 on the purchases from the first 3 months of account opening.

Intro APR: 0% introductory balance transfer APR

Annual Fee: Annual Fee 0

Regular APR: 14.99% – 23.74% Variable

More Details

  • You can no longer be able to apply online.
  • $0 Intro balance transfer fee for the first 60 days of your account opening. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
  • 0% Intro APR for 15 months on purchases and balance transfers. After that, the regular variable APR applies to you. Cash back offered in the first 3 months with one of the best cards. 
  • No Penalty APR – If you are paying late, you won’t be charged with a raised interest rate (APR). All other account pricing and terms apply.
PROS CONS
0% for 15 months on balance transferRegular APR is a bit higher
The annual fee is 0 No rewards
No balance transfer feesThe free offer is time-bounded

Best Airline Rewards Credit Card

Southwest Rapid Rewards Priority Credit Card

If you are a frequent flier, then the Southwest’s highest level rewards card is just the right thing for you. The amount of travel rewards and other benefits it offers which includes the annual travel statement credit of $75 is the consideration for the annual fee. Not just that, your purchases get added in the form of points and you can attain the A-list status soon. 

Along with this, you are eligible to earn 40,000 points after you spend $1,000 on purchases in the first 3 months after your account opening. On your cardmember anniversary, you are gifted with 7,500 bonus points. A Southwest travel card credit is awarded to you worth $75 every year. Upgradation in boarding for 4 times every year is given when available and a 20% cash back on in-flight drinks and Wi-Fi acts as a bonus of your travel rewards.

Up to 2X Rewards Rate

When you spend $1 you are eligible to get 2X points after you spend on any of the Southwest and Rapid Rewards hotel and car rentals. Also, you can earn 1 point per all other purchases.

Welcome Bonus: 40,000 points

Annual Fee: $149

Regular APR: 15.99% – 22.99% Variable

Credit Score: Excellent/Good (700 – 749) credit score

More Details

  • In the first 3 months after your account opening, you are eligible to get 40,000 points after you spend $1000 on any purchases. 
  • On your every cardmember anniversary, you are gifted with 7,500 bonus points.
  • Every year you are given a $75 Southwest travel card credit.
  • You also get 4 Upgraded Boardings (if available) per year as travel rewards.
  • Cash of 20% on WIFI and in-flight drinks.
  • For instance, you are eligible to get 8 points after you spend 4 dollars on Southwest purchases and Rapid Rewards hotel and car rental.
  • Earn 1 point per $1 you spend on all other purchases.
PROS CONS
No foreign transaction fees Regular APR is higher
Outstanding welcome bonusRewards flights are only available if booked with Southwest
Earn points toward A-list statusNo intro APR offer included
Unlimited rewards seatsThe annual fee is $149 which is higher

The Best Credit Cards for Travel and Dining

1. Bank of America Premium Rewards credit card

If you are a frequent traveler and want a sense of flexibility with your finances, then the Bank of America Premium Rewards credit card is just the right thing for you. Better if you are already a customer of Bank of America with the eligible account balance.

With its appropriate annual fee, the cardholders are eligible for a lucrative signup bonus along with eye-catching reward rates and points which are of the same value that does not matter how you prefer to redeem it.

Up to 2X Reward Rate

Earn unlimited 2 points after you spend  $1 on travel and dining purchases and 1.5 points for every $1 spent on all other purchases. There is no limit to the points you can earn and your points don’t expire.

Welcome Bonus: 50,000 bonus points

Annual Fee: $95

Regular APR: 15.99% – 22.99% Variable APR on purchases and balance transfers

Credit Score: Excellent/Good (700 – 749) credit score 

More Details

  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases with the card.
  • No limit to the points you can earn and your points don’t expire.
  • 50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Get up to $200 in travel statement credit rewards with one of the best credit cards. 
PROSCONS
Sign up bonusHigh balance transfer fee which is 3%
No foreign transaction feeAPR penalty is huge
Visa Signature Concierge benefitPremium rewards rates are limited to certain customers only
2. Wells Fargo Propel American Express Card

As compared to the Bank of America Premium Rewards credit card, this one might not have the excellent credit perks, but the card gives you your share of hefty travel points without emptying your pocket by paying that heavy annual fee.

With its highlight of the $0 annual fees, the card comes with a rich rewards rate on travel and dining that if you go to compare with the premium credit cards, this one gives a tough fight to them. Also, it gives you cash credit in other categories that include gas stations, some good streaming services to name a few.

Unlike other cards, this one of the best credit cards does not just offer elite features like travel credits or airport lounge access, travel transfer partners, but with its genuine welcome offer, supplementary rental car insurance, and 0% intro APR period makes it a good choice. 

Rewards Rate

You get to earn 3X points per $1 spent on the following categories that include restaurant dining, takeout, bars, gas stations, rideshares, transit, flight hotels, homestays, and much more. The streaming services include Apple Music, Hulu, Netflix, Pandora, and Spotify Premium.

Welcome Bonus

In the first 3 months of your account opening with Wells Fargo, when you make purchases worth $1,000 you are eligible to earn 20,000 bonus points which is nothing but a cash redemption worth $200. 

Annual Fee: Annual fee 0

Intro APR: For the first 12 months, you are given a 0% intro APR for on purchases and balance transfers

Regular APR: 13.99% – 25.99% Variable APR

Credit Score: Excellent/Good credit score 

More Details

  • Get the lowest intro APR with this credit card for 12 months from account opening on balance transfers and purchases.
  • As long as your account is open, you can earn unlimited points that never expire.
  • The foreign currency conversion fees are nil.
  • With its feature of Cell phone protection, your phone is always safe from any theft or damage.
  • No blackout dates on air travel when redeemed through Go Far Reward; you can use a combination of points and a payment card.
  • With this card, you get a Retail Protection scheme. This means that you get coverage on items that come under eligible purchases. And of these items gets stolen or damaged within 90 days from the day you buy it, you are already covered. 
PROSCONS
A welcome bonus is given American Express isn’t accepted everywhere as Visa or Mastercard
Annual fees 0Needs Excellent credit or good credit score
Foreign transaction fee 0The option of transferring rewards to travel loyalty partners isn’t available

The Best Credit Card for Amex Offers

American Express Cash Magnet Card

The American Express Cash Magnet Credit card is quite a new member of the showbiz of the cash back products, but it is nothing but an easy flat-rate card. You are awarded a 1.5% cash back on all the eligible purchases.

Furthermore, American Express Cash Magnet Card also promises you heavy and non-complex rewards on whatever you buy. The American Express Cash Magnet Card offers a welcome bonus and if you are looking for a credit card with nothing but just rewards, this one should be your choice for the best credit cards.

Unlimited 1.5% Reward Rate

Earn unlimited 1.5% Cash Back on your purchases. You are eligible to get a cash back that comes to you as Rewards Dollars and you can redeem it as statement credit with American Express Cash Magnet Card.

Welcome Bonus: $150

Annual Fee: annual fee 0

Intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening

Regular APR: 12.99%-23.99% Variable

Credit Score: Excellent/Good (700 – 749) credit score 

More Details

  • You can earn $150 credit if you spend $1000 or more in purchases with the new card within 3 months.
  • With the card’s complimentary membership, you become eligible for free 2-day shipping with over 100 online stores affiliated with StopRunner.
  • In the year 2018, above 1.6 million places started off to accept the American Express Cards in the United States of America.
PROS CONS
Unlimited cash back rewards High balance transfer fee
Annual Fee 0Foreign transaction fees is 2.7%
You can carry a balance with interest with American Express Cash Magnet Card Not all the merchants accept American Express Credit Card
Easy enrollment Minimum $25 redemption 

The Best Credit Card for Business

American Express Blue Business Cash Card

Considering an option for one of the best credit cards which are uncomplicated yet with simple cash back offers? Then the American Express Blue Business Cash Card fits all your needs. With its high ongoing rewards rate, you enjoy its flexible credit limits due to which you can easily stretch your monthly expenses which are no matter what fluctuates in every business.

If your business comes under medium to large scale, then the American Express Blue Business Cash Card is going to be really useful for those upfront purchases.

Rewards Rate

Every year when you spend $50,000, you earn a cash back of 2%. After you cross that mark, you get a 1% cash back which is credited to your account statement.

Annual Fee: $0

Intro APR: 0.0% introductory APR on purchases for 12 months from the date of account opening

Regular APR: 13.24%–19.24% variable

More Details

  • With American Express Blue Business Cash Card’s Expanded Buying Power, you get the freedom to spend beyond your credit limit and fulfill the business needs. The amount that you spend with your credit limit gets adjusted with the use of the card, your payment history, credit history, and financial resources known to American Express.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • Your business needs changes from time to time. Right from buying raw materials to making amends in the workflow. And because of that, you get that control to spend money even beyond your credit limits only with Expanded Buying with one of the best credit cards in the industry.
PROS CONS
Annual fee 0No welcome bonus 
High rewards rateInflexible redemptions

Best Credit Cards For Students

Discover it Student Cash Back

The Discover it credit card is specially tailored for the students who are studying in the United States of America. This credit card keeps in mind the needs of the students and that is why offers attractive cash back offers.

The main reason for launching this credit card is to make the college students aware of practicing responsible credit habits to build a secure future and a good credit score.

The card that offers an annual fee 0 and also gives a statement credit for the students with good grades. Earn a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.

Rewards Rate

Every quarter you have the chance to earn 5% cash back on purchases like groceries, gas stations, hotels, online shopping to name a few once you activate your card. All your other purchases still earn 1% cash back automatically, with no limit.

Intro Bonus: Cashback match

Annual Fee: $0

Intro APR: 0 intro apr on purchases for 6 months and 10.99% on Balance Transfers for 6 months

Regular APR: 12.99%–21.99% Variable APR

More Details

  • Intro Offer covers: By the end of the first year, the card matches up all the cash back that you have earned so far automatically. You do not need to sign up for that.
  • Students earn 5% cash back on everyday purchases during the school year that includes Amazon.com, grocery stores, dining at restaurants, gas stations, and when you pay using PayPal.
  • No late fee on your first late payment.
PROSCONS
Intro APR period on Purchases and Balance TransfersMerchant acceptance of Discover is less as compared to other cards
No foreign transfer feeBonus rewards can be earned only with quarterly activation

Best No Foreign Transaction Fee Credit Card

Chase Sapphire Reserve

If you are an avid traveler, you need to have that perfect setting when it comes to your finances. And owning the best of the credit cards to give you good deals while you are away from home can be a good thing. With Chase Sapphire Reserve, you are completely in safe hands despite its $550 annual fee.

This best credit card offers an annual $300 travel credit along with rich rewards that you can transfer any time at a ratio of 1:1 to various loyalty programs. This one of the best cards is considered as one of the top choices when it comes to premium travel.

Thus, with its excellent credit features for those who spend a heavy amount on traveling and dining at restaurants, you can make use of card’s transfer partners.

3X Rewards Rate

With this credit card, you are eligible to get 3X points on travel right after you earn your $300 travel credit. Not just that, you also get 3X points on dining at restaurants and 1 point on every dollar you spend on other purchases. Earn 50,000 bonus points after you spend 4 000 in the first 3 months. 

Intro Bonus: 50,000 points

Annual Fee: $550

Intro APR: N/A

Regular APR: 16.99%–23.99% variable

More Details

  • When you spend 4 000 in the first 3 months after your account opening on eligible purchases, you are awarded 50,000 bonus points. These points are worth $750 that you can redeem towards travel through Chase Ultimate Rewards.
  • With this credit card, you earn a $300 Annual Travel Credit in the form of reimbursement on your travel purchases on every cardmember anniversary.
  • You get to earn 3X points on travel right after you earn $300 travel credit. Along with this, you are eligible for 3X points at restaurants and 1 point on every dollar you spend on other purchases. No foreign transaction fees.
  • When you redeem your travel points through Chase Ultimate Rewards, you earn 50% more value to it. For instance, your 40,000 points are worth $650 value when you redeem through Chase Ultimate Rewards.
  • You get access to over 1000 airport lounges around the globe once you enroll for the Priority Pass Select.
PROS CONS
Foreign transaction fee 0The annual fee is higher 
Lucrative bonus and redemption of points with Chase Ultimate rewards after you spend a certain amountCredit score needs to be excellent

Best Credit Card for Bad Credit History

Credit One Bank Visa Credit Card

Not everyone scores good marks in exams and similarly, when it comes to credit score and history, not everyone has a good one. Therefore, this is one of the best credit cards for you if you have a bad credit score and you need an emergency loan. 

The card offers no one-time fees for application processing and no monthly fees which save you a lot. And with its emergency spending power, your first-year card annual fee will be at the most $95 which depends on your credit score. The new cardholders get a $300 credit line.

Rewards Rate

A 1% cash back reward is given to you after you spend on eligible purchases like groceries, gas stations, services that include the internet, mobile phones, cable, and much more. Terms and conditions apply.

Annual Fee: $0 – $99

Intro Purchase APR: N/A

Regular APR: 17.99% to 23.99% Variable

Intro Balance Transfers APR: N/A

More Details

  • Get rewards for responsible credit card use. The company reviews your account regularly for credit line increase opportunities to ensure that you get all the credit you deserve.
  • You can monitor your credit score and track your progress with its free online access to your Experian credit score every month.
  • Payment flexibility is given to the customer.
  • Set up custom email or text alerts so you’ll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
PROS CONS
No excellent credit score required1% rewards rate is less
Emergency loan facility Secured credit cards are much cheaper

Best Airline Miles Credit Card

Delta SkyMiles Gold American Express Card

If you are a regular and loyal traveler of Delta Airlines in the U S and other countries, then you should think of the Delta SkyMiles Gold American Express Credit Card. 

The flight rates are never cheaper, if you simply book the ticket, you end up paying big bucks, but if you are owning a credit card of a particular airline, then you get points, travel rewards, upgrades, priority check-in and much more. 

With this one of the best airline miles credit cards, when you spend a dollar on any delta purchases, you earn 2 miles for that. You also get 2 miles per dollar at restaurants worldwide, US supermarkets, and 1 mile per dollar spent on other purchases.

Rewards Rate

Earn 2X Miles travel rewards on Delta purchases, at restaurants worldwide, and U S supermarkets. Earn 1X Mile on all other eligible purchases.

Intro Bonus: 35,000 Miles

Annual Fee: Introductory annual fee 0 for the first year, then $99 per year

Intro APR: N/A

Regular APR: 15.74%–24.74% Variable

Intro Balance Transfer APR: N/A

More Details

  • When you spend an amount of $1,000 on purchases in the first three months of account opening, you are given 35,000 bonus rewards miles in the form of travel rewards.
  • Whenever you book, your first checked bag is free and you get Main Cabin 1 Priority Boarding on Delta flights.
  • Get a $100 Delta Flight Credit after you spend $10,000 on purchases in a year as travel rewards.
  • All the eligible purchases give you the chance to earn 1X Mile rewards.
  • You are eligible to earn 2X Miles on any Delta purchases at U S supermarkets and all restaurants around U S and the globe.
  • When you purchase any in-flight beverages or food or audio headsets etc, you are given a 20% statement card credit. This can only be availed on Delta flights.
PROS CONS
First checked bag for freeAnnual fee after the first year 
Priority boarding Best for frequent Delta Air flyers only
No expiration of miles earnedAcceptance of American Express cards is lesser

The Best No Annual Fee Airline Rewards Credit Card

United TravelBank Card

If you are not a frequent flyer but prefer to fly with United Airlines around the U S and other countries, this card might be the right choice for you. Its 0 annual fee function gives you a cheap deal and offers a simpler rewards program.

You get eligible to earn frequent flyer miles and points with every purchase you make. Plus if you are an elite member of the United Club, you can also get upgrades in your flight seats and sometimes even to business class from the economy.

For example, if you are having 500 miles on your United TravelBank credit cards, and the ticket that you are looking for costs $500, then you can use the miles and pay nothing out of pocket.

If you are having 100 miles in the credit card and the ticket costs around $450 then you can use that 100 and just pay $350 with the offer. The deal is of real good with these miles to earn travel rewards.

Basically, owning a United TravelBank credit card gives you a lot of liberty while flying. This is one of the best credit cards as it provides Visa Signature benefits to the cardholders.

2X Rewards Rate: Earn 2% in TravelBank cash per $1 spent on tickets purchased from United. Also, earn 1.5% in TravelBank cash per $1 spent on all other purchases.

Intro Bonus: $150 in United TravelBank cash

Annual Fee: Annual fee 0

Intro APR: N/A

Regular APR: 15.99%–22.99% Variable APR on purchases and balance transfers

Intro Balance Transfer APR: N/A

More Details

  • You get $150 in United TravelBank cash once you spend $1,000 on purchases in the first 3 months after your account opening.
  • Earn 2% in TravelBank cash per $1 you spent on airline tickets purchased from United.
  • Earn 1.5% in TravelBank cash per $1 spent on all other purchases.
  • Foreign transaction fee 0.
  • Enjoy 25% back as a statement of card credits on purchases of food and beverages on the United-operated flights, when you pay with your United TravelBank Card.
  • TravelBank cash is easy to use. $1 in TravelBank cash = $1 when used toward the purchase of a United ticket.
PROS CONS
Foreign transaction fee 0 outside U S No free checked bag on your travel
Annual fee 0You can only redeem rewards points with United 
High rewards rateRegular APR is higher

The Best Retailer Credit Card

Target REDcard Credit Card

Going to Target almost every week is something that people in the U S include in the chores. Be it groceries or any electrical appliance, going to Target is a regular choice for the U S people. So if you are a total Target devotee, then this credit card should be at the center for you with its amazing offer. 

The card gives you upfront saving but all you need to do is to pay the bill in full every month.

This one of the best credit cards offers an excellent discount of 5% on eligible Target and Target.com purchases that you make. 

Not just that, it also gives you a 10% discount coupon per year on your card anniversary after you sign up for its marketing emails.

The 5% discount can also apply to other types of gift cards that include things like travel, movie tickets, restaurants to name a few. Also, if you are buying anything at the Starbucks located inside of the Target store, you are eligible for the 5% discount.

2X Rewards Rate: N/A

Intro Bonus: N/A

Annual Fee: Annual fee 0

Intro APR: N/A

Regular APR: 24.4% Variable APR on purchases

Intro Balance Transfer APR: N/A

More Details:

  • Offer to earn 5% off on every purchase at Target or Target.com.
  • Free shipping on most of the items at Target.com.
  • More exclusive offer: Including special items, gifts, and offers.
  • Save even more: 5% off clearance prices when you use your RedCard.
  • Get 5% off our top deals of the week when you use your RedCard.
  • Save 5% at any in-store Starbucks location when you use your RedCard.
  • Save 5% on specialty gift cards for travel, restaurants, movie tickets, and more.
PROSCONS
Annual fee 0No rewards
Free 2-day shipping on Target.comAPR is higher
No foreign transaction feeSome products does not qualify for 5% discount 

The Best Flat Rate Cash Back Credit Card

Citi Double Cash Card

The Citi Double Cash Card that comes with 18 months BT offer is nothing but a prized possession among all the other credit cards. 

With its lucrative flat-rate cash back offer, it is a match made in heaven for those customers who are looking to propel in the hassle-free best cash credit rewards on everything that they charge. 

The card offers a 2% cash back on every purchase that you make and a 1% when you make. This is not just it, you get another 1% back when you pay it off. Isn’t it just the right deal! The limit on how much you can earn is not there and the annual fee is 0, so it’s a match!

So, here you get the maximum of the credit cards benefit and offer with the effort that is just a minimum amount.

2X Rewards Rate 

With this credit card, you are awarded a cash back for two times. You not only earn a 2% on all purchases but also you get no limit 1% cash back and an additional 1% when you pay back for those purchases. 

Intro Bonus: No current offer

Annual Fee: Annual fee 0

Intro APR: 0% on Balance Transfers for 18 months

Regular APR: 13.99% – 23.99% (Variable)

More Details:

  • There are too restricting categories when it comes to keeping the track or enrolling. Also, the cash back have no categories, so you can earn from any purchases. 
  • You have the option to choose how you want your cash back. You can receive the ash back on the form of direct deposit or convert it to points or receive it as a statement credit.
  • If you want to earn cash back, you need to pay at least the minimum due on time.
  • If you are paying the entire balance by the due date then no interest will be charged on it including the balance transfers. 
  • A 3% or $5 (whichever is greater) balance transfer fee is charged for the amount of each transfer.
  • The APR for Citi Flex Plan is 13.99% – 23.99% (standard variable) which completely depends on your credit history. 
PROS CONS
The rewards rate is high A welcome bonus is not there
The annual fee is 0$25 is a minimum redemption
There is an intro APR period on Balance TransfersNo 0% APR on purchases and needs good credit score

The Best Credit Card for Hotel Rewards

1. Hilton Honors American Express Surpass Card

We all adore staying in luxury hotels and if by luck you get an upgrade for suite night at your favorite hotel then it becomes the happiest time of your life. 

To make your every hotel stay a happy one, this Hilton Honors American Express Surpass Credit Card can be the apt thing for you if you travel a lot because of your business or job.

Though the credit card has a $95 annual fee, the perks are worth enjoying. The credit card offers a good amount of rewards, a hefty welcome offer and a handful of incentives for the big spenders. 

This is not just it, with this one of the best credit cards, you get automatic elite status and 10 free visits with the Priority Pass Select network, the access to the airport lounge for 10 times every year. 

If you are a Hilton lover then you can take advantage of all these benefits that come with this credit card, and undoubtedly it is going to be worthwhile. 

With this credit card, you also get the chance to earn a weekend night stay rewards. This actually offsets the annual fee that you are paying. 

Rewards Rate 

  • You earn 12X Points for every dollar you spend on eligible purchases which are directly billed to your card for the hotel that comes under Hilton properties. Terms and Conditions apply.
  • Earn 6X Points for every dollar you spend on eligible purchases on one of the best Cards at U S  restaurants and U S supermarkets. Terms and Conditions apply.

Intro Bonus

When you sign up as a card member, then you can earn up to 125,000 Hilton Honors Bonus Points once you spend $2,000 on eligible purchases on the Hilton Honors American Express Surpass card.

Annual Fee: Annual fee $95

Intro APR: N/A

Regular APR: 15.74% – 24.74% Variable APR

More Details

  • Enjoy complimentary Hilton Honors Gold status with your Hilton Honors Surpass Card.
  • Plus, when you spend an amount of 40,000 making eligible purchases in a year, then you can automatically earn the Hilton Honors Diamond status.
  • You can earn Hilton Honors Diamond Status once you make spending of $40,000 on the eligible purchases in a calendar year.
  • If you spend an amount of $15,000 on purchases in a year, then you are awarded a weekend nigh from Hilton Honors.
  • Stay in to know the exclusive access to ticket presales and Card Member-only events in the city near you. You can also check out Broadway shows and concert tours, family and sporting events, and much more for that perfect holiday that you have planned with this one of the best cards.
PROS CONS
The rewards rate is high with perks of free night stayHigh annual fee
No foreign transaction feesNo benefits on cardmember anniversary 
2. Marriott Bonvoy Boundless Credit Card

Many of us prefer to stay at a particular hotel wherever we go around the world. And Marriott is one such hotel that the majority of the world’s working population prefers whenever they are traveling.

Even many of the companies that have a location-based clientele, prefer to issue Marriott Bonvoy Boundless Credit Cards to their employees since the option is cost-effective and has many perks as one of the best credit cards is worth every penny even if it has the annual fee 0 offer.  

Compared to the Hilton Honors Credit card then this credit card offers some top-shelf benefits. This includes a free one night stay every year, upgraded elite status, and a handful of redemption options. For those who only pick Marriott across the US and the globe, this one is the best bet. 

Rewards Rate 

  • Earn 6 points for every $1 you spend by participating in Marriott Bonvoy hotels.
  • Earn 2 points for every $1 you spend on all other eligible purchases.

Intro Bonus

Get a bonus of 75,000 in the first 3 months once you open the account after you spend an amount of $3,000.

Annual Fee: Annual fee $95

Intro APR: N/A

Regular APR: 15.99% – 22.99% Variable APR

More Details

  • Once you spend $3,000 on eligible purchases in the first 3 months of your account opening, you are awarded 75,000 Bonus Points. 
  • On your every cardmember anniversary you get a Free Night Award that is worth 35,000 points every year.
  • With your every $1 spent at over 7,000 properties, you get to earn 6X Bonvoy Points.
  • Earn 2X Bonvoy points on every dollar you spend on eligible purchases.
  • Every account gets an automatic Silver Elite Status on the anniversary year. You can attain the Gold status after you spend over $35,000 on eligible purchases every year.
  • The foreign transaction fee is 0.
  • If you are looking to earn Free Night Stays quickly then you need to earn unlimited Marriott Bonvoy points. 
PROS CONS
The reward rate is lucrative Annual fee and needs good credit score 
Foreign transaction fees 0The card can be only used at Marriott properties

Best Credit Cards With 0% APR Period

1. Capital One Quicksilver Cash Rewards Credit Card

If you are looking for one of the best credit cards that offers you an eye-catching intro APR period then Capital One Quicksilver Cash Rewards credit card can be your best bet here. The card comes with excellent everyday rewards that need to have a good credit score from your side.

With its feature of annual fee 0 offer and its 0% intro APR for 15 months, you got it all covered for whatever you spend with this credit card. 

You do not just get a 1.5% cashback on all your purchases but also you do not have to pay any foreign transaction fees with this one of the best cards. 

So basically, this one of the best credit cards is for those who are looking for a low-maintenance credit card that will help you out with your daily money errands to be fulfilled efficiently. 

Rewards Rate : Unlimited 1. 5% cash back on all purchases. No caps or categories are given. 

Intro Bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Annual Fee: Annual fee $0

Intro APR: 0% intro APR for 15 months 

Regular APR: 15.49% – 25.49% variable APR

More Details

  • There is no foreign transaction fee charged whenever you are shopping outside of the U S. It also offers unlimited 1. 5% cash back on all purchases. 
  • Extended warranty protection is given to you at no charge at the time of your purchase of the credit card. 
  • Automatic travel accident insurance covered with the purchase of your credit card. 
  • You can also use your credit card with Amazon.com while you are shopping. 
  • Complimentary Concierge service is given to you for 24 hours and 365 days of the year. 
  • 24 hours assistance if your credit card is lost or stolen and emergency replacement of your credit card will be done. 
PROS CONS
1.5% unlimited cash back on all purchases No intro APR on balance transfers
Annual fee 0Regular APR is high on the card
No foreign transaction fee on the cardNeeds a good or excellent credit score 
2. BankAmericard Credit Card

The BankAmericard credit card is also considered in the category of one of the best credit cards when it comes to 0% intro APR and balance transfer royalty. 

This credit card is also one of the very few cards that allow you to have movement of your debts and pay them in a decent time frame without spending a single penny on the interest rate of late fees. 

Rewards Rate: N/A 

Intro Bonus: N/A

Annual Fee: Annual fee $0

Intro APR: For 18 billing cycles and Balance Transfers you get a 0% intro APR in the first 60 days.

Regular APR: 14.49% – 24.49% Variable APR

More Details

  • The credit card helps you build a good amount of credit score. 
  • A refundable security deposit of $300 is required for account opening.
  • FICO score gets updated every month for free with this credit card. 
  • No penalty APR on one of the best credit cards. If you are paying late then you will not be charged with a higher interest rate on the card.
PROS CONS
Annual fee 0No rewards
0% intro APR on purchases and balance transfersNo intro bonus 

Select the best credit card 

It really matters a lot about which credit cards you are choosing in one or more categories. But also you need to keep in mind that you will find some of the other benefits in every credit card since no card is perfect. Thus, if you want to own the best credit cards then you need to make sure what it is that you will be using it for. 

Evaluate everything of the credit cards that you have shortlisted. Make sure to check on all the points like rewards rate, foreign transaction fees, intro APR, balance transfers, welcome bonus, and most importantly the interest rate. 

Once you analyze everything, it will surely get easier for you to choose the best credit card that fits your needs and helps you have a good credit score in the future as well. Good Luck with your credit cards hunt!