Most Americans have a credit card and most of us are worried that we could be using a better one with more rewards for all of our purchases. They come in handy when needing fraud protection on purchases, paying for unexpected things like a car repair or just wanting to earn something back for all those airline miles you have logged this past year. Now there are so many cards to choose from that it gets confusing. Check out this list of some of the top rated, most used credit cards with the best rewards today!
Check out the Discover It Credit Card. It is almost a full five star rated card! Your monthly statement will give you an up to date FICO Score for FREE! Some of the main perks for having this card include 5% cash back in categories that change up each quarter with 1% cash back on all other purchases. You cash back can be deposited in your bank account, used as a payment on Amazon or credited to your statement. The best part is that if you do not have time to use your cash or just want it to build up, it will never expire! In Addition there is no “over limit” fee or “annual fee”, and paying late will not raise your APR!!
The Citi Diamond Preferred Card has a 0% APR on all balance transfers and purchases for the first 18 Months! This is a super great deal. Especially if you have a current card with a high APR, you may be able to really cut down your credit card bill when you transfer the amount and pay it down for 18 months with no interest. There is a balance transfer fee of $5.00 or 3% of the total amount. Whichever is greater will be applied. So be sure to keep that in mind when calculating your total cost. This card has no annual fee as well as Ticket Presale availability and 24/7 Concierge Service when booking trips.
This is a great card for those who have great credit and love to travel. Earn 1.25 miles for each dollar spent on any purchase. There is 0% intro APR until May 2016 with 11.9-21.9% variable APR after that, but there is no transfer fee when wanting to consolidate you bills. Another great perk is that there is No Annual Fee.
Additionally, there is a one-time bonus of 20,000 miles—equal to $200 in travel—once you spend $1,000 on purchases within the first 3 months.
With the Chase Sapphire Preferred Card you will earn 40,000 points with the first $4,000 spent after your first 3 months. This card also offers a $0 intro annual fee. Grab 2x’s the points on dining and travel purchases. Recieve 20% off travel expenses when you redeem points for airfare, cruises and hotel stays.
With the Capital One Quicksilver Card, earn 1.5% Cash back on any purchase, no limit. Your average APR is 12.9-22.9%. Includes 0% APR for your first 9 months as well as $0 Annual Fee. Earn cash just for shopping! Make at least $500 worth of purchases in your first 3 months and earn $100.00 cash!!
The BankAmericard is similar to the Capital One Quicksilver in that you earn $100.00 for $500 worth of purchases in your first 90 days. Earn up to 2% at grocery stores and 3% on gas! There is no annual fee and you will earn 10% cash back for redeeming your earned cash into a Bank of America Checking or Savings Account. So if you currently have accounts with Bank of America this will be the perfect card for you! Get 0% intro APR for the first year on all purchases and balance transfers!