In order to find the best credit cards for your needs, you first have to decide what type of features you are looking for. Then, narrow your choices down by reading online reviews. Be aware that higher benefit varieties require more stringent credit requirements than basic varieties. So, you should be aware of the minimum credit score requirements when choosing a card.
Capital One Quicksilver Credit Card
If you’re looking for a new credit card, you might want to look into the Capital One Quicksilver Cash Rewards Credit Card. It offers low introductory rates and no annual fees, plus no foreign transaction fees. In addition, you can redeem your rewards for gift cards. Unlike other cards that give you points to spend, you won’t have to worry about expired rewards, as these are good as long as you maintain an active account.
The Capital One Silver Credit Card’s mobile app can help you lock your card when it is lost or stolen. It also offers alerts when an unexpected charge shows up on your monthly bill or if your recurring bill has gone up. It can also notify you if someone has applied for credit through your Capital One card without permission.
In addition to the Capital One Quicksilver Cash Rewards Credit Card, the Capital One VentureOne Rewards Credit Card offers a similar $0-annual-fee welcome bonus. You can also earn 1.5% back on your purchases with this card. And, if you’re looking to travel, you can transfer your miles to Capital One transfer partners to receive higher rates.
Another great feature of this card is the tiered rewards. If you use it at the grocery store and restaurant, you can earn up to 5% cash back. You can also use it at gas stations and transit stations. You can also set up automatic redemption preferences for your cashback. For example, you can have it automatically redeemed if your account reaches a certain limit.
The Capital One Quicksilver Cash Rewards Credit Card also has no annual fee, balance transfer fee, or foreign transaction fee. You can redeem your cash rewards for purchases for a minimum of $10 each time. However, you must pay a 3% late payment fee and may be charged up to $40 for each missed payment.
The Capital One Quicksilver Cash Rewards Credit Card is the best option for people who prioritize simplicity in their financial lives. Its flat rewards rate makes it easy to remember how many rewards you have accumulated. It also doesn’t have an annual fee or interest charges. You can also redeem your rewards for statement credits or lower charges. This card is ideal for those who are already loyal to Capital One.
American Express Blue Cash Preferred Credit Card
If you’re looking for a cash back credit card, Amex Blue Cash Preferred credit card might be the right choice for you. This card offers 3% cash back at gas stations and transit stations in the United States. You won’t get rewards on gas sold by superstores, though. This card earns 1% cash back on all other purchases. It also comes with a cash back statement credit system, which is good news for cardholders who don’t want to spend their money on points. You can earn $250 back after you spend $3,000 in purchases on your Blue Cash Preferred Card.
The American Express Blue Cash Preferred card is the card to choose if you regularly shop at U.S. supermarkets. If you use your card frequently to shop for groceries, this card’s 6% cash back can be enough to cover the $95 annual fee. It also comes with a $200 statement credit after you spend $2,000 on purchases in the first six months.
Other benefits include a high rewards rate on grocery stores, travel rewards, and gas. But, the Blue Cash Preferred isn’t the best choice for everyone. The rewards aren’t as high as other cards, so it may not be suitable for people who spend more time eating out.
If you have a decent credit score, you can also choose the Blue Cash Everyday or the Blue Cash Preferred. Both cards offer a welcome offer and additional benefits, but Blue Cash Everyday isn’t designed for travel. If you want more benefits, however, the Blue Cash Preferred is more likely to be the best choice for you. However, you should be aware of the annual fee when comparing the two cards.
While the Blue Cash Preferred card offers some excellent benefits and cashbacks, it comes with a high annual fee of $95. It also has a foreign transaction fee, which can add up if you use the card to make international purchases. If you’re traveling abroad a lot, it’s wise to choose a card with no foreign transaction fee.
With the American Express Blue Cash Preferred Credit Card, you can get generous cashback at U.S. supermarkets and gas stations. The only downside is that you have to spend a certain amount every year in a certain category to earn any cash back. However, this is still a great choice for everyday purchases. The cash back will accumulate as Reward Dollars and can be redeemed for statement credits.
American Express Business Checking Account
If you own a small business and need a credit card, an American Express business account might be the right choice. This credit card offers many benefits, including no annual fee and cash rewards. It has no foreign transaction fees and allows you to earn 1% cash back on all purchases. There are no restrictions on the number of rewards you can earn, either.
You can earn up to 70,000 Membership Rewards (r) points after you spend ten thousand dollars on your first purchase. The card also offers airport lounge access and a credit for airline fees. It is important to remember that you’ll have to pay off the balance every month or risk missing out on the rewards you could earn. You can also take advantage of the Pay Over Time feature to pay off your balance with interest.
An American Express business card is ideal for business owners who want to earn rewards on all their purchases. The American Express business Blue Plus card does not charge an annual fee and earns you two points per dollar on purchases of up to fifty thousand dollars a year. You’ll also be able to access 24/7 customer support and account management tools.
The Blue Business Cash card offers a 0% intro APR and no annual fee, making it an ideal first card for small business owners. It allows you to earn as you spend and build your business credit score at the same time. Another American Express business card is the Plum Card, which doesn’t charge interest if you pay your balance in full each month and you have a 60-day grace period.
Amex has many business credit card options compared to Chase, and its products are more customized to your business needs and spending habits. This makes the Amex business account among the best credit cards for business owners who want to maximize their rewards and travel in style. You should compare the pros and cons of both cards to find the best one for you and your business.
The American Express Business Gold Card offers a lot of benefits, including bonus categories. Besides earning rewards on every dollar spent, this credit card also gives you extra statement credits. You can also earn bonus points on travel expenses and other purchases. If you have a high-end taste, an American Express business card can be worth the annual fee.
Best Buy Visa Credit Card
A Best Buy credit card is a great way to purchase electronics online. You can earn rewards points on purchases and have the option of receiving cash back. To earn rewards, you must make your purchases on time. You must be at least 18 years of age to qualify. You can also earn specific sign-up bonuses for qualifying for the Best Buy credit card.
The Best Buy credit card has two payment options, including a standard financing option and a promotional financing option. The former earns 5% back on Best Buy purchases while the latter earns 6% back. In order to be eligible for a 6% back promotional offer, you must spend $3,500 on Best Buy purchases within a calendar year.
The Best Buy credit card is issued by Citibank. It offers rewards of up to 6 points per dollar. The card costs up to $59 per year and charges a 5% balance transfer fee. If you have a $1,000 balance, the fee could cost you $50. However, the minimum balance transfer fee is only $15.