Credit cards are an important part of any financial plan. You can use it to pay for day-to-day expenses, make larger purchases, and even as a safety net. However, choosing the best card for your needs doesn’t always come easy, especially if you look at the fees and annual charges that may apply.
Chase Freedom Unlimited
Chase Freedom Unlimited comes with an unlimited 1% cashback on every purchase plus bonus categories that change each quarter totaling 5% cashback in certain types per quarter up to $1,500 in purchases. This card is rewarding and has great features like price protection on purchases, zero liability when someone uses your card, and online account management. Also, when you sign up for Chase Freedom Unlimited, you get a bonus of 15,000 points ($150) after spending $500 within the first three months.
Capital One Venture Rewards Credit Card
The card offers a high flat rewards rate plus a big one-time bonus that you can use to book any travel. You will earn a flat two miles per $1 spent on every purchase you make. Also, when you first get the card, you can earn 60,000 bonus miles when you purchase worth $3,000 on purchases in the first three months of your account. After that, you can redeem your miles of $100 or more, including airfare, hotels, rental cars, train tickets, and taxis. Rewards never expire on this card.
Blue Cash Preferred Card from American Express
With this card, you can earn $200 back after spending $1,000 within three months. You’ll also earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and 3% cashback at U.S. gas stations & select U.S. department stores. Plus, you’ll get another $100 back if you make at least $1,000 in purchases within three months of account opening and a total cashback reward of up to $300.
The annual fee is $95, and there’s a 0% APR for 12 months on purchases and balance transfers. After that, the variable APR will be 13.99% – 25.99%, based on your creditworthiness and other factors. In addition, there is a balance transfer fee of 3% for the first 60 transactions in the first 12 months.
Capital One Performance Select
Performance Select Credit Card from Capital One lets you earn 1% cashback on your everyday spending, 2% at grocery stores, and now 3% on gas up to $1,500 in combined purchases each quarter. You can also get a 0% Intro APR for 12 months on purchases and balance transfers. After that, the variable APR will be 14.99% – 24.74%, based on your creditworthiness and other factors. There is no annual fee.
Pentagon Federal Credit Union Platinum Visa
Pentagon Federal Credit Union Platinum has a credit limit of up to $5,000 based on your security deposit with no annual fee. Your deposit could be returned to you when you close the account if it’s more than the credit limit. You’ll be able to choose your due date, too. Some other benefits include access to saving accounts that yield 8% APY and a free checking account with no minimum balance requirement.
Discover it Secured
Walmart Discover it Secured Credit Card provides a credit limit of up to $2,500 based on your security deposit. Of course, your credit limit could be higher if you’re able to make a larger deposit.
Staples Reloadable Prepaid Visa Card
Staples Reloadable Visa Card is suitable for small business owners. You can earn 1% cashback on all purchases, plus you get a free employee card that you can load with any amount. There’s also no monthly fee if you reload at least $1,000 per month, and there are no fees to maintain the account or for declined transactions.
The best credit card perks in Georgia offer cashback, points, or miles per dollar spent on various purchases. In addition, some business rewards cards also provide an annual percentage for all purchases made by employees using the card.
Companies that offer employee credit cards often tie rewards programs to employee bonuses or other incentives to encourage employees to use company credit cards for business expenditures.