When it comes to personal finance, credit cards can provide plenty of value not only with their use but also with their rewards and benefits. The scope of benefits ranges from cash backs to airline miles to hotel points, and numerous other rewards. Many credit card companies offer these benefits to attract new customers as well as to maintain their current clientele. However, navigating the range of credit card offers can be overwhelming and confusing. To help you make the best decision, this article will explore some of the best credit card offers available.
1. Chase Sapphire Reserve
Chase Sapphire Reserve is widely recognized for its outstanding travel rewards. For every dollar you spend on travel and at restaurants, you earn 3 points. All other purchases earn you 1 point per dollar. You can redeem these points for travel through Chase Ultimate Rewards at a 50% higher value. As a bonus, you’ll receive 60,000 bonus points if you spend $4,000 on purchases in the first 3 months. With this card, you also get an annual $300 travel credit, access to over 1,000 airport lounges worldwide, and more high-end travel perks.
2. Capital One Quicksilver Cash Rewards Credit Card
This credit card is tailored towards individuals who prefer cash rewards over travel rewards. Capital One Quicksilver Cash Rewards Credit Card rewards its users with 1.5% cash back on all purchases. There is no limit to how much you can earn, and the cash back won’t expire for the life of the account. There are also no foreign transaction fees. As a bonus, if you spend $500 on purchases within the first 3 months, you earn a one-time $200 cash bonus.
3. Discover it® Cash Back
The Discover it® Cash Back card offers 5% cash back in categories that rotate each quarter, on up to $1,500 in purchases when you sign up. All other purchases earn you 1% cash back. Unlike many other cash back cards, Discover it® will match all the cash back you’ve earned at the end of your first year as a cardholder. This card does not have any annual fee, which is a great plus.
4. American Express® Gold Card
Ideal for foodies and people who travel frequently, the American Express® Gold Card offers four points per dollar at restaurants and U.S. supermarkets (on up to $25,000 in purchases per year), three points per dollar for flights booked directly with airlines or on amextravel.com. All other purchases earn one point per dollar. Additionally, you get up to $10 in dining credits per month at select restaurants and delivery services.
5. Citi Double Cash Card
The Citi Double Cash Card is unique because it offers cash back twice. First, you earn 1% unlimited cash back when you buy, and then another 1% as you pay for those purchases. The card doesn’t have any category restrictions or sign up to earn cash rewards. There is no annual fee, making it an excellent choice for those wanting simplicity and valuable rewards.
6. Chase Freedom Unlimited
With the Chase Freedom Unlimited card, you can earn 5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. The biggest lure is the introductory offer, where you get a $200 bonus after spending $500 within the first three months.
These are just some of the best credit card offers out there. Understanding your spending habits and what kind of rewards you’ll appreciate the most is the key to choosing your ideal card. Always be sure to check the interest rates and terms before making your decision. Enjoy the clarity from exploring these offerings and let them work to your advantage.
