Over the years I’ve carried just about every credit card you can think of. From Amex to Discover, Chase to Capital One, and even Citi, there’s not a major credit card that hasn’t found its way into my wallet. From this experience, I review the best credit card offers you’ll find anywhere.
I’ve also struggled with credit card debt. At one point my wife and I had 5 figures to pay off. We managed to do it, and we learned a lot in the process.
I’ve taken both of these experiences to create content for the credit card section of this site. The content includes both lists of the best credit cards for those looking to take advantage of rewards. It also includes extensive content on how to get out of credit card debt.
Featured Credit Card Offers
For those looking for a 0% balance transfer card, the Chase Slate is the only offer on our list that comes with no balance transfer fee. Simply initiate the balance transfer within the first 60 days of account opening, and you’ll pay no transfer fee. The introductory 0% APR last for 15 months on both balance transfers and purchases. There is also no annual fee, and you get free access to your FICO credit score.
When the intro APR expires, the ongoing standard APR becomes 16.49% – 25.24% variable. If you make a balance transfer after the initial 60 day account opening period, you will be charged a $5 or 5% BT fee (whichever is greater).
Blue Cash Preferred® Card from American Express – If you find yourself buying a lot of groceries for the family or driving hundreds of miles a week for work, this is your credit card. The Blue Cash Preferred® Card from American Express rewards cardholders with 6% cash back at the supermarket (up to $6,000 spent annually), 3% cash back at the pump and 1% cash back everywhere else.
For newly approved applicants, you’ll earn a $200 bonus after spending $1,000 in purchases during the first three months. That bonus more than offsets the $95 annual fee. The Blue Cash Preferred® Card from American Express also includes a lot of extra benefits like extended warranties, purchase protection, and concierge service.
The Capital One® Quicksilver® Cash Rewards Credit Card takes a simple approach to cash back rewards. You earn 1.5% on every purchase. There is no annual fee.
- Everyday Rewards: 1.5% cash back on all purchases.
- Bonus Rewards: One-time $150 cash bonus after you spend $500 on purchases within 3 months of approval
- Annual Fee: None.
- Extra Features: 0% APR on purchases and balance transfers for 9 months.
Bottom Line: It pays a top cash back percentage which, along with a potential cash bonus and no annual fee, makes it a solid choice.
This is the card with the most memorable commercials, but it’s also one of the best travel cards around today. It’s most valuable if you use the benefits for travel, when the miles are worth more. Here are the details:
- Everyday Rewards: Earn unlimited 2X miles per dollar on every purchase, every day
- Bonus Rewards: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
- Annual Fee: $0 intro annual fee for the first year; $95 after that
- Extra Features: No foreign transaction fees.
Bottom Line: For frequent fliers, this card is a great option. The rewards aren’t worth as much if you cash them in on non-travel expenses, though, so keep that in mind. Also, remember that you’ll have to spend enough to out-earn that $95 annual fee in order to make this card worth your while. You’ll have to spend around $5,000 a year to break even with the annual fee.
Best Credit Cards
Getting Out of Credit Card Debt
How to Crush Your Credit Card Debt Once And For All
10 Lies that Got You (and Keep You) in Credit Card Debt
Avoid These Mistakes When Climbing Out of Debt
How a Debt Snowball Can Reduce and Then Eliminate Your Debt
10 Tips on Using Balance Transfer Credit Cards to Get Out of Debt
23 Powerful Tips and Tools to Eliminate Debt