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
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 15 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.
The Navy Federal Visa Signature® Flagship Rewards Credit Card comes from a brand you may not know, but packs the best punch of any on this list.
- Everyday Rewards: 3x points for every dollar spent on travel purchases, 2x points for every dollar spent on everything else.
- Bonus Rewards: 50,000 bonus points are awarded after spending $4,000 in the first 90 days; which is enough for $500 in cash.
- Annual Fee: $0 annual fee for the first year; $49 annual fee after that.
- Extra Features: No foreign transaction fees and up to a $100 credit for TSA Pre-Check or Global Entry.
Bottom Line: The 50,000 point bonus is one of the highest available for a travel credit card. Triple points on travel purchase IS the highest available for a travel credit card. Tack on the statement credit for TSA Pre-Check and the intro $0 annual fee and you have a terrific credit card.
The only drawback is that it is available to Navy Federal members only, which means you must qualify. They have over 8 million members so it’s not exclusive, but it does mean you (or someone in your family) need some kind of military affiliation.
The Capital One® Venture® Rewards Credit Card is Capital One’s premier travel rewards credit card.
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 $500 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
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10 Lies that Got You (and Keep You) in Credit Card Debt
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How a Debt Snowball Can Reduce and Then Eliminate Your Debt
10 Tips on Using Balance Transfer Credit Cards to Get Out of Debt
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