There is a literal sea of credit cards out there, with hundreds of different features, rates, cashback perks, and discount programs spread across the entire spectrum of credit providers. There are cards to fit just about any type of lifestyle from active to digital to anything in between. But sometimes the research needed to come up with the best cards can be difficult.
While there are cards for any and every niche you can think of, we’re going to stick to some of the best cards. Most people can get some use out of the ones we have listed. There are going to be some similarities and some differences, but there should be something useful to almost everyone.
The Chase Freedom card is one of the best cashback cards out there for this year. Customers can earn 5% back on all travel purchases through Chase Ultimate Rewards. As well as, 3% back at drugstores and restaurants including takeout. They can even earn 1.5% on all other purchases. They even offer a $200 cashback reward if you join and spend $500 in the first 3 months.
Not only is the American Express Gold one of the best travel cards out there, but it is also one of the leading rewards cards as well. It earns 4x points per dollar at all restaurants worldwide, as well as US supermarkets and grocery stores. Travelers also earn 3x points from flights booked through the AmEx Travel portal, or directly with the airlines. The downside to this card is the $250 annual fee.
Too often when looking at the best credit cards available, the consumers needing some credit help are left out. Well, we see you, and if you are in the market to start rebuilding your credit this year, the Discover it Secured credit card is an ideal way to do that. Like most other secured cards, there is the minimum requirement of a $200 deposit. However, after 8 months there is the chance to move to an unsecured card and have the deposit returned.
Consumers can earn 2% cashback at all gas stations and restaurants up to $1,000 per quarter, reduced to 1% after that. Additionally, you earn 1% back on all purchases no matter what. Discover also provides a “welcome bonus” of a dollar-for-dollar matching of your cashback for the entire first year of new cardmembers. Another downside is the relatively low limit compared to other cards.
The Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union offers a variable rate as low as 8.49% and up to 15.49%, which is a pretty amazing spread compared to some other similar cards. They also offer a balance transfer, but they cost a 1.5% fee per transfer. While you are required to join the credit union in order to qualify for this card, the membership is free.