10 Best Credit Cards – Capital One Cards and More
Top 10 Best Credit Cards That Should Be in Your Wallet
As we get into the New Year and take a look at the 10 best credit cards, rethinking your credit card strategy can leave you with more money in the bank and less of it going towards interest.
If you have a good credit score, then you have probably received offers from some of the top ten credit cards listed below.
These cards offer you a chance to transfer current high interest cards to alternatives offering better rates and terms. Check out the following best credit cards offers and find out how much you can save.
10. Chase Slate Card
Chase Slate is offering new card holders 0% on transfers and purchases for 15 months, $0 transfer fees for the first sixty days.
After this period Slate charges $5 or %5 depending on which amount is higher and $10 or 5% on cash advances depending on which amount is higher.
After the introductory period, interest on balances that carry over will be assessed between 13.24%, 18.24%, or 23.34%, as your good or excellent credit history will determine.
Additional services membership includes your dashboard, help managing your credit and your free FICO credit score. Unlike other cards, there is no penalty APR for paying late and no annual fee.
9. Citi Double Cash Card
Applicants must good to excellent credit to qualify for this card that offers 0% interest on balance transfers and purchases for 18 months which then raises to 13.24%-23.24% variable rate.
Earn 1% cash back on purchases, and again when you pay your bill. My relatively expensive Invicta watch purchase returned almost $50 back to me taking advantage of this Double Cash feature, for example.
Your first late payment is forgiven; after that a charge of $35 for each late payment will be charged and a penalty APR of 29.99% may be applied.
Balance transfer fee is the greater of 5% or $3. Card perks include extended warranty, purchase protection, concierge service, flight insurance, auto rental insurance and travel insurance.
8. Chase Freedom Unlimited Card
Credit scores as low as 685 are accepted for this card that offers a 0% introductory rate for 15 months on balance transfers and purchases.
Earn $150 cash back when you spend $500 on purchases in the first three months.
Balance transfer fee of 5% of the amount transferred with a $5 minimum.
Variable interest rates of 14.24% to 23.024% will apply after the introductory period.
There are no annual fees and card owners earn an unlimited 1.5% cash back reward. The Chase Freedom is definitely one of the ten best credit cards out there.
7. Chase Sapphire Preferred Card
This card is great for travelers, offering 50,000 reward points to card holders charging $4,000 in the first three months of the opening the account.
When you redeem through Chase Rewards, 50,000 points equal $625.00 travel rewards. Earn double points at restaurants and travel and one point per dollar on other purchases.
Add an authorized user in the first three months and earn another 5,000 points. Enjoy 1:1 point transfers on popular airlines and hotels with loyalty programs. Enjoy an additional 25% reward bonus when you redeem your card through Chase Rewards.
With no blackout dates or restrictions, if there is an available seat, its yours. No fee for the first year, then $95 a year. Interest rates are offered from 16.24% to 23.24% depending on your credit score. Average credit score for approval is 736.
6. Discover It Card
Introductory rate of 0% for 14 months allows you to transfer high rate cards and make purchases. Rates increase to the standard APR of 11.24% to 23.24%, depending on your credit score.
Balance transfers fees are 3%. Never worry about your card with instant freeze option if the card is misplaced, lost or stolen, which is easily reversed when you find your card.
Discover Card offers up to 5% cash back on purchases ranging from gas to groceries and beyond as featured during that quarter. Regular cash back rate of 1% is always on for all purchases. Discover matches cash back rewards dollar for dollar for the first year for new card holders.
Other Benefits: Your free FICO score is always available. Cash back rewards never expire and can be used at Amazon checkout. Late payments don’t raise your APR and there are no over the limit fees or annual fee. Best of all, customer service is located the United States, so apply for the Discover It card today; you’ll experience the service and ease-of-account management that makes it one of the 10 best credit cards out there today.
5. BankAmericard Cash Rewards Credit Card
The Bank of america credit card offers a 0% introductory period on purchases and balance transfers made in the first 60 days for 12 billing periods. Rates raise to 12.24% to 23.24% variable APR, depending on your credit score.
No annual fee, but there is a 3% fee on all balance transfers. Spend $500 in the first 90 days and earn an online $100 reward.
Earn cash back rewards: 1% on every purchase, 2% at grocery and club shopping, 3% on gasoline up to $2,500 in total purchases each quarter.
Enjoy an additional 10% reward when you deposit your cash back into your BankAmerica checking or savings account.
4. Blue Cash Preferred Card from American Express
Introductory rate of 0% for purchases and balance transfers for 12 months, then variable rate of 13.24% to 23.24 on this American Express Card.
Earn an additional $100 cash after spending $1,000 in the first month. During the first six months earn 10% cash back on Amazon purchases.
Earn 1% back on everyday purchases. Earn 3% on groceries and 2% on fuel (restrictions apply).
Additionally, as is the case with all of the credit cards on this list of 10 best credit cards for your wallet, there’s no annual fee for this member of the 10 best credit cards collection.
3. Capital One Spark Business Card
Introductory rate of 0% for the first 9 months, then variable rate of 13.24% to 21.24%.
Enjoy a one time cash bonus of $200 when spending $3000 in the first months.
Earn unlimited 1.5% cash back rewards.
Free cards for employees.
No annual fee.
Must have excellent credit.
2. Capital One Platinum MasterCard
No annual fee. Rate is variable at 24.99% and no balance transfer fees.
This card is for those with imperfect credit and granted with fair credit.
It qualifies as one of the 10 best credit cards, in our opinion, because of the generous starting limit and ease of use with Capital Ones online account – all of our cards (three of them) with the company are displayed on the dashboard.
And, of course – there’s no annual fee! Recently, it seems that this credit card has been replaced by the Capital One Quicksilver Card.
1. Capital One Venture Rewards Card
Introductory rate of 0% for the first year and then variable APR between 12.24% to 24.24%.
No annual fees, no balance transfer fees, but late fees are $35.00. Earn a one time 20,000 mile bonus ($200 cash travel bonus) when you spend $1,000 in the first three months.
No blackout dates and your miles never expire and there is no limit on what you can earn.
Bonus of 1.25 miles per dollar spent.
Good to excellent credit required to have a chance at this worthy addition to the list of 10 best credit cards.