Wondering which credit card is the best for 2019? Well, here’s something you should know- there never was, and will never be one best credit card that suits all. A whole variety of credit cards with huge sign-up and cash-back bonuses, great rewards, and luxury perks are available out there for you to choose from. You need to pick the right one that’s best for you.
2019’s Best Credit Cards in Each Category
1. Best Sign-up Bonus
If you’ve been waiting for a great sign-up bonus, the Chase Sapphire Preferred Credit Card is what you need. With a sign-up bonus of 50,000 points for spending $4000 on purchases within the first 3 months, this card is ideal for rewards enthusiasts. You can also combine these points with those earned on your other Chase cards. What’s more, you also get 2x reward points on travel and dining at restaurants worldwide.
2. Best Cash-Back
If you’re looking for great cash-back, the Capital One Quicksilver Cash Rewards Credit Card is meant just for you. It comes with 1.5% cash-back on every purchase you make and a one-time cash bonus of $150 after spending $500 on purchases within 3 months. This apart, it carries no annual fee!
3. Best Travel Rewards
Many credit cards offer great rewards for frequent travelers. If you’re one, the Capital One Venture Rewards Credit Card is what you need. With a high rewards rate of 2 miles per dollar on every purchase, this card is the best for simple travel rewards. It also comes with a generous sign-up bonus of 50,000 miles, when you spend $3000 within the first 3 months.
4. Best Rewards
If you’re looking for high rewards credit cards with no annual fee, here’s one just for you- the Wells Fargo Propel American Express Card earns you 3x rewards points on dining, gas, travel, ride-shares, rental cards, and select streaming services. It also earns 1x points on other purchases.
5. Best 0% APR
Want a card with no late fees, no penalty, and no annual fee ever? The Citi Simplicity Card is what you need. While you won’t get any cash-back or miles or reward points on this card, you can enjoy the introductory purchase APR of 0% for the longest period, which also makes it one of the best credit cards for a balance transfer.
6. Best Dining Rewards
Dine-out often, and like to have a good time? You can’t go wrong with the Capital One Savor Cash Rewards Credit Card. This card earns you an unlimited 4% cash-back on dining and entertainment, 2% at grocery stores, and 1% on all purchases. So if you’re looking for simple cash rewards instead of points or miles, this is the one for you!
7. Best Interest-Saver
Want to avoid high-interest payments? Get the Capital One Venture One Rewards Credit Card. With a low APR starting at 14.24% and 1.25x rewards miles on every purchase, this is one of the best credit cards if you wish to save interest and enjoy travel rewards at the same time.
8. Best Credit Builder
Wish to improve your credit? Opt for the Credit One Bank Visa Credit Card. This card allows you the flexibility to choose your payment date and set up credit alerts to help you keep track of your progress in credit building. While giving you the opportunity to improve your credit, this card also earns you 1% cash back on all eligible purchases, including groceries, gas, and other services such as the internet, mobile phone, and satellite TV.
9. Best for Students
Looking for your first credit card ever? You’ll love the Discover It Student Cash Back Credit Card! With 5% cash-back each quarter, on rotating categories like gas stations, restaurants, and grocery stores, this card has no annual fee and no late fee on the first late payment. Giving you the opportunity to build good credit, this card is best to cover all your expenses as a student without ending up in debt.
10. Best Balance Transfer
Paying high interest on your debt? Time to change that, with the Discover It Balance Transfer Credit Card! This card gives you the opportunity to transfer an existing balance and pay it off in 18 months, completely interest-free. If you go beyond that period, the regular APR starting 13.99% is applicable. Besides the interest-free period, this card also comes with the benefit of 5% cash-back each quarter on purchases at gas stations, grocery stores, restaurants, etc.
So when you’re ready for a new credit card, ask yourself which one’s right for you. Do you need to merely build good credit, or lower your interest rate? Do you wish to enjoy travel rewards or simply need cash-back? Consider your needs and the benefits offered by the different credit cards out there, and choose one that’s best for you!