Credit cards can borrow money with the promise of returning the amount along with the extra charges applied. The size is the same as debit cards, ATM cards, and other standard cards.While drawing money using the card, the cardholder has to sign a receipt as a sign of consent and enter the PIN, after doing this process, the money is transferred.
The cardholder can return a specific amount of money within due date, or pay a higher amount along with interest added or late fee. The grace period varies from 20 to 55 days. It depends on the card and Bank, which issues it.
The best credit card becomes challenging to choose out of the numerous options we get nowadays. Well, credit cards won’t be an issue anymore, and this will solve the problem of carrying bulk amount of cash from place to place.
- 1 Best Credit Cards of 2019
- 2 Conclusion
Best Credit Cards of 2019
Below the list mentions the best credit cards of 2019 with the necessary details. Choose the card which servers the closest to your needs.
Chase Sapphire Preferred
The Chase Sapphire credit card is one of the best cards for good credit and also one of the best in the market. If the amount spent is $4000 within the first three months of opening the account, it gives 60000 bonus points.
Every time a dollar spent on dining and travel, the cardholder gets two points. When the rewards redeem, through Chase Ultimate Rewards, they are worth 25% more. The annual percentage rate varies from 17.99% to 24.99% with a yearly fee of $95.
Visit here: CHASE SAPPHIRE PREFERRED®
Chase Sapphire Reserve
Chase Sapphire Reserve is the best credit card for travel. The cardholder receives a bonus of 50000 points if the amount spent is $4000 within the first three months of opening the account. These points can be exchanged in travel credit up to $750. For each dollar spent on travel and worldwide dining, you will get three bonus points . While for others, one point will be gained.
Apart from these rewards, $300 annual travel credit will be received. For Global Entry or TSA PreCheck, a $100 credit will is given. It can also be used to rent a car with special privileges, to access airport lounges, and for other benefits. The annual percentage rate varies from 18.99% to 25.99% with a yearly fee of $450.
Visit Here: Chase Sapphire Reserve®
Ink Business Preferred Credit Cards
Ink Business Preferred is the best credit card for business. For spending $5000 within the first three months, a bonus of 80000 points can be earned. For each dollar spent on business categories such as traveling, shipping, internet, cable, phone, search engine advertising purchases, and others, a bonus of three points can be earned.
One can also transfer points to other partners with a ratio of 1:1.The annual percentage rate varies from 17.99% to 22.99 % with a yearly fee of $95.
Visit Here: INK BUSINESS PREFERREDSM
Blue Cash Preferred From American Express
Blue Cash Preferred From American Express card is the best credit cards for the best cashback. Within the first three months of getting the card, it offers a $250 bonus if the expenditure made is $1000.
It offers a cashback of 6%at supermarkets, 3% at gas stations, 3% on ground transportation, 6% on TV and music services, and 1% on others which includes grocery purchase also. The annual percentage rate varies from 14.99% to 25.99%, which a yearly fee of $95.
Visit Here: Blue Cash Preferred® Card
Gold Delta SkyMiles Credit Cards
Gold Delta SkyMiles is the best airline credit card. The cardholder earns 30000 miles within the first three months after spending $1000. If the purchase is made directly with Delta, then a cashback of $50 can be earned. It is one of the best card for travel in comparison to other credit cards.
For each dollar spent, you will earn two miles. The annual percentage rate varies from 17.74% to 26.74% with a yearly fee of $95.
Visit Here: Gold Delta SkyMiles® Credit Card
Capital One Savor Rewards Credit Cards
Capital One Savor Rewards Credit Card is the best credit card for dining. Within the first three months of membership, one can earn a cash bonus of $300 after an expenditure of $3000.
You can get 4% unlimited cash back on dining and entertainment, 2% on groceries, 8% on tickets at VividSeats, and 1% on other purchases. The annual percentage rate varies from 16.75% to 25.74% with an annual fee of $95 in the first year.
Visit Here: Savor® Rewards from Capital One®
USAA Rate Advantage Visa Platinum Card
USAA Rate Advantage Visa Platinum Card is the best credit card with a low-interest rate. The APR rate is as low as 8.90%. But the only requirement is that the person should be a present or retired member of the military or a family member of the military to apply for USAA and get a membership.
The annual percentage rate ranges from 8.90% to 25.90% with no annual fee. But on balance transfers and cash advances, the fee increases by up to 3%.
Visit Here: USAA Rate Advantage Visa Platinum® Card
U.S. Bank Visa Platinum
U.S. Bank Visa Platinum is the best balance transfer credit card. It offers a long promotional period. For the first 18 billing sessions, there is no APR.
The only offer the cardholder gets is $1200 each time the cell phone bill is paid using the card.The annual percentage rate varies from 14.49% to 25.4%, with no annual fee.
Visit Here: U.S bank Visa Platinum
Credit cards require less space and are easy to carry and use. It also comes with rewards and bonuses, which is one of the main and best features of it. Online purchases can also be made using these cards. It builds a credit history and enables us to keep track of all the expenses. Now that we have shared list of Best credit cards in this article, you can choose any of the credit cards according to your convenience.
See also: 10 Best Cash Back Credit Cards of 2019
Hello mates! I’m Ellie and I absolutely love finance. I can eat, sleep and breathe it! That’s the primary reason for starting this website, that I can share the cool information that I have learnt about finance over the years. Hope you like it. ^_^