On the hunt for a good credit card? Here’s a few that were the top picks across credit card comparison lists. For most of these, you’ll need to have a good credit score to apply, so ensure that you have that in place before you write up the application.
Bankamericard Travel Rewards Credit Card – For Travel Rewards
With a 0% Intro APR on purchases for the first 12 billing cycles and no Annual Fee, this is a good card to save money for the first year. The regular APR after the intro period is 15.49% to 23.49% variable rate.
The card offers also 1.5 points per dollar spent. If you spend $1000 during the first 90 days, you’ll receive 20,000 online bonus points, This translates to $200 towards travel related expenses.
Capital One VentureOne Rewards Credit Card – For Travel Rewards
There’s no annual fee here. There’s an introductory low APR for 12 months. The ongoing APR is 12.49% to 22.49%. You can earn 20,000 bonus points for $1000 spent during the first 3 months. These points can be redeemed for $200 in travel purchases. For every dollar spent, you earn 1.25 miles. There’s no foreign transaction fees, and miles don’t expire. You can redeem the rewards at any airline or hotel.
Chase Sapphire Preferred Credit Card
This card has been named as the Best Credit Card for Flexible Travel Redemption by Kiplinger’s Personal Finance. You can get 50,000 bonus points when you spend $4000 within the first three months. This amounts to $625 in travel related purchases when you redeem through Chase Ultimate Rewards. There’s no Annual Fee for the first year. After that, the charge is $95. You can earn 2x points for travel purchases and 1 point for all other purchases. There’s no foreign transaction fees. There’s also no expiration dates on the rewards that you earn. You get a 1:1 ratio transfer of points to any leading airline or hotel loyalty programs.
Discover It Cashback Match – Double Cash Back for first year
There’s no Annual Fee here as well. You get an intro APR of 0% on purchases and balance transfer for the first 14 months. There’s an ongoing APR after intro period of 11.49% – 22.49%. You get 5% cashback on rotating bonus categories every quarter. You also receive 1% cashback on all other purchases. Cash rewards don’t expire. At the end of the first year, get a dollar for dollar match of all the cash back you’ve earned.
Discover It Secured Card – For Building Credit
If you have no credit history or have low credit score, a secured card is a good option to build your credit record. This card charges no annual fee, gives 1% cashback on all purchases, and even offers a low 10.99% balance transfer interest rate for the first 6 months. The ongoing APR is 23.49% variable rate.
This card matches every dollar you earn at the end of the first year. This effectively doubles your cash back rewards.
Depending on what you want the credit card for, you can choose from a range of cards. Just keep note of the regular APRs and annual fee to avoid any nasty surprises.
