Are you looking for the best credit cards in America?
Credit cards are one of those things that is essential for easy shopping.
But before making a decision, you have to consider its reward, charges, points and cash-back.
These are factors that contributes to a credit card credibility and if you’re keeping an eye on the annual rates, then you need to be on alert!
To give you an idea on what you’re up against, we have compiled a list for the best credits cards in America.
So, The 10 Best Credit Cards in America are:
10. OpenSky® Secured Visa® Credit Card
Kicking off the list for the best credit cards in America is OpenSky® Secured Visa® Credit Card.
The card is a go-to-source for people with low credit score.
It does not require any credit check and once you apply for the card, no score will be deducted.
The card has a credit limit and to set one up, you have to pay in a refundable fee within the range of $200 – $3000 as a starting point.
Once this is done, users will enjoy the benefits of easy purchase and transactions
Additionally, its annual fee of $35 is one of the cheapest in the list.
9. Citi Simplicity® Card
Citi Simplicity® Card is one of the best credit cards in America.
Interestingly, the card comes with no form of late fees, annual fees and penalty rates.
It best suits balance carriers who would want some space to do the needful.
Most importantly, the card comes with 0% introductory APR for a period of 12-month on purchases and 0% intro APR for a period of 21-months on transfers.
Interest rates fluctuates around 16.74% – 26.74% depending on the credit score.
8. Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card is ideal for business-men who do a lot of transaction.
The card offers a high 80,000 points in every used $5,000 for a duration of 3 months.
However, it do charge $95 on annual fee but this comes with no charges on international transactions.
The earning points for purchases is 1:1 dollar spent but if you’re combining, the rates go as high as 3:$1.
This has a limit of 150,000 and one you’re in, you’ll get a free employee cards at no additional fee.
On a bad note, it is limited to segments which are advertising travel, cable services, and internet.
7. Gold Delta SkyMiles® Credit Card from American Express
Coming in next on the list is Gold Delta SkyMiles® Credit Card from American Express.
During the first three months, the card offers 30,000 point on every used $1,000.
This comes with no annual charges and once you start using the Delta payment method within those three months, $50 statement credit awaits.
Basically, the purchase bonus is 1 point for $1 spent but the Delta platform offers 2 miles for every dollar.
There is no transaction fee and the APR rates lies between 17.74% – 26.74%.
6. Chase Sapphire Reserve®
Chase Sapphire Reserve® is one of the best long standing credit cards in America.
Within the first three months, 50,000 points is the reward for the first spent $4,000.
On every airfare and its purchases, you’ll receive 3 points per dollar; this also applies to dinning but every other platform follows 1 point to $1.
This card is tough to get and you’ll need to have a reputable credit CV to obtain one.
Additionally, it charges a high annual fee rate of $450.
Interestingly, the allotted 300 travel credit and the global business lounge access can be used to compensate for it so it’s no big deal!
5. The Platinum Card® from American Express
The Platinum Card® from American Express is one of the most prominent in the list.
It is widely known and has a high reputation.
During the first three months, the card offers an attractive bonus points of 60,000 for the first spent $5,000.
Users can also benefit from its association to the aviation sector through the American Express Travel and airlines.
How? Once you book a flight, you’ll be rewarded with 5x membership points which will be accompanied by $200 airline fee credit for every year.
If you’re into Uber, you’ll get $200 in annual Uber savings which is calculated based on $15 every month for credit except in December, which is charged for $20.
4. Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards is the 4th best credit card in America.
They offer an unlimited 2x miles for every spent dollar.
During the first three months, users gets an award of 50,000 bonus for every $3,000 on purchases.
For travelling reward and benefits, this card is the go-to-source but its come with an annual fee of $95 though this is free during the first year.
It is not a good credit card for redeeming points but it offers an impressive 17.99% – 25.24% variable APR.
3. American Express® Gold Card
As far as reward is concerned, American Express® Gold Card is one of the best in the market.
If payment is made through Gold Card at Grubhub, Seamless, Ruth’s Chris Steak House, the Cheesecake Factory, participating Shake Shack locations and Boxed, users will be rewarded with $10 monthly statement credit and $100 airline fee credit.
Cardholders are not charged for international transaction and they also get rewarded with 4 points for every $1 spent on purchases at U.S. supermarkets.
This can eventually sum up to $25,000 in a year.
More so, the card offers 4 points for $1 purchase at any restaurant, 3 for $1 on airfare and 1 for $1 for all else.
2. Blue Cash Preferred® from American Express
Missing the top spot on the list, Blue Cash Preferred® from American Express is the second best credit card in America.
During the first three months, the card offers $250 statement credit on every spent $1000 on purchases.
If you’re looking for a cash-back card specifically, then this one could be right up your street.
Card holders also get rewarded with 6% cash back rewards per year on purchases at U.S. supermarkets.
They also offer 3%, 3% and 6% on purchases made at gas stations, ground transportation and selected US TV and music streaming services respectively.
Aside this, 1% is spent on all else and more so, the annual fee is $95.
1. Chase Sapphire Preferred® Card
Topping the list, Chase Sapphire Preferred® Card is the best credit card in America.
During the first three months, the card offers 60,000 bonus points on every spent $4,000 on purchases.
The reward for every spent cash is two points per $1 on dinning and travelling and 1 for $1 on all else.
Cardholders can transfer points to 12 different travel programs.
This broadens the travelling dimensity and options.
It has a $95 annual fee rate but no foreign transaction fees.
However, this credit card requires a good credit score for approval and if you sign up; you’ll get a bonus for that!
That was all on the 10 best credit cards in America.
If you’re looking for the best card, you can choose from any in the list.
But remember: always check the transaction fees, annual charges, bonuses, points and reward.
These can come in handy and might prove pivotal!
- Chase Sapphire Preferred® Card
- Blue Cash Preferred® from American Express
- American Express® Gold Card
- Capital One® Venture® Rewards Credit Card
- The Platinum Card® from American Express
- Chase Saphire Reserve®
- Gold Delta Sky Miles® Credit Card from American Express
- Ink Business Preferred Credit Card
- Citi Simplicity® Card
- Open Sky® Secured Visa® Credit Card