There are several different credit cards to choose from, but sometimes it can be challenging to decide which best suits your lifestyle and needs. Credit cards are one of the best loans. The credit card’s interest rates and fees are typically lower than other loans, and they offer a comfortable cushion between cash and your checking account.
But there’s also a downside to credit cards: You may have a temptation to use them many times, and that can leave you with a bad credit score.
Chase Sapphire Reserve
Chase Sapphire Reserve is the top credit card, offering 60,000 bonus points after spending $4,000 within the first three months. Spend just $2,000 on purchases in the first three months, and you’ll get 30,000 bonus points, plus get $300 back.
The Chase Sapphire Reserve card comes with top-notch travel perks. Get a complimentary Priority Pass Select membership, a $200 annual travel credit, and up to three free airport lounge visits each year.
Chase Sapphire Preferred card
The Chase Sapphire Preferred gives you 2x the points on travel and dining purchases, which means that it will effectively give you a 4% discount every time you eat out. So if you go to a restaurant at least twice a week, this could potentially save you over $200 per year.
The Amazon.com Rewards Visa comes with 3% cashback on all Amazon purchases and 2% cashback at gas stations, restaurants, and drugstores. It also comes with a $50 sign-up bonus if you spend $1,000 in the span of three months of opening the account (which is easy to do with how frequently I shop on Amazon).
Southwest Rapid Rewards Premier Card
Southwest Rapid Rewards Premier card is an airline-specific card. The card gives you free checked baggage and priority seating, and they’ll frequently offer bonus miles with certain purchases. In addition, the SouthWest card comes with 6,000 points with no expiration date.
Capital One is a top pick here. Their Cash Rewards card allows you to get a $100 bonus if you make purchases worth $500 immediately after opening the account but not beyond three months, and it gives you 1% cashback on all purchases. The best part is that it’s a VISA, so it applies anywhere, and there are no foreign transaction fees.
Ink Plus Business Card
The Ink Plus Business Card gives you 5x the points on office supply purchases, which makes it a great card to use. You also get 2x the points on gas and hotels when you book using your card, so this is my current card of choice for business expenses. The $95 annual fee is nil the first year, so there’s no harm in trying this one out.
The American Express Blue Cash Preferred
The American Express Blue Cash Preferred top pick here. With this card, every purchase you make gives you 6% back at grocery stores up to $6000, 3% back at gas stations and department stores, and 1% back on everything else. You also get an annual bonus of $150 if you spend more than $6,000 within one year. The main downside with this card is the high APR of 25%, but it’s great for anyone who spends a lot at grocery stores or gas stations.
The best credit card perks in Pennsylvania are benefits that a credit card company offers to its credit cardholders. Almost every credit card company offers a loyalty program to their customers, where they offer rewards to these customers for using the services of credit cards.
You can get many kinds of rewards from this loyalty program, including discounts, gifts, and trips. The most popular type of these reward by the best credit card rewards program is points.
The best credit cards come in many varieties. Some cards offer cashback, and others give you points for travel. Others offer interest-free days on purchases, allowing you to pay your bills without accruing interest. Most of the top cards have better sign-up bonuses than what they’re offering here, but it depends on your spending habits.
But choosing the best card for you comes down to more than rewards. It’s also about features that benefit you. For example, if you have fair credit, you may want to avoid cards that charge a high annual fee.