As customers of financial institution continue to borrow money from the credit card issuer up to a certain limit in order to purchase items from without having to put up cash at the point of sale. Instead, the charges accrue as a balance that must be paid off on a monthly billing cycle, giving the buyer more time to get the cash together.
Though,there are various card companies to grab the largest market share of this ever expanding market. In order to get more customers, these credit card companies come up with several new and innovative techniques and offers.
Below are best top 10 Credit Cards in united states
1. Chase Sapphire Preferred Card:
This is the best card as a frequent traveler because it offer customers spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when redeemed through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year after account opening
Eligible cardmembers can break up card purchases of $100 or more into fixed monthly payments with My Chase Plan, No interest, just a fixed monthly fee.
2. Capital One Quick Silver Card:
This best option if you’re looking for a long introductory 0% APR promotion on purchases. Though the Capital One Quicksilver’s credit score requirement is “good” (700 or higher). Capital One also considers applicants’ income and debt when making Capital One Quicksilver card approval decisions.
The current offer is unlimited 1.5% flat cash back on all the transactions done through the card. So if you are the person who uses the card frequently for even small things and the number of transactions you daily is more, then you should go for this.
3. Discover it Cash Back
Eligible Discover credit cardholders can now activate bonus 5% cash-back categories for the second quarter of 2021. Cardholders who enroll will earn 5% cash back on up to $1,500 in spending at gas stations, wholesale clubs and select streaming services from April to June (then 1%).
There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.
It offers special cash back on regularly used categories like fuel stations, restaurants clubs and more. Though every quarter they change the categories where the flat 5% offer is applicable, and that is the catch.
4. Capital One Venture Rewards Credit Card
The Capital One Venture card holds its own as a solid travel rewards flat-rate card. With simple, straightforward, unlimited earning at 2 miles per dollar spent,This card is best used for getting maximum reward points which can later be redeemed against other purchases or offers
5. Wells Fargo Propel American Express Card
Cardholder get 20,000 bonus points when they spend $1,000 in purchases in the first 3 months – a $200 cash redemption .Though You’ll need a FICO credit score of at least 670 to qualify for the Wells Fargo Propel American Express card
There is No limit to points you can earn, and points don’t expire as long as your account remains open
6. Citi Simplicity Card:
This give you the advantage of taken a low intro rate on credit card balance transfers and purchases when you open an account. Despite having no rewards program and a higher than average balance transfer fee, the Citi Simplicity card is still a great option for users who need time to pay off some debt. If you are carrying a large balance, you could be saving significant money on interest by taking advantage of an offer like this one.
With no late payment fee, this card can be used for making bulk purchases and then paying slowly without a penalty.
7. US Bank Visa Platinum Card
This allow cardholder Enjoy a low intro APR for 20 billing cycles. It also offer 0% intro APR on purchases for the first 20 billing cycles. After that the APR is variable, currently current APR 14.49%–24.49%.
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8. Bank of America Cash Reward Credit Card
It has $200 online cash rewards bonus offer 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
9. Citi Diamond Preferred Card:
This credit card is used by people who would like gradually pay their debts without incurring extra charges. This card offers 0% introductory APR for the first 21 months. It also has a $0 annual fee.
Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. Citi Diamond Preferred lets you do that at a reduced rate. It offers an introductory APR of 0% for 18 months on balance transfers. It also has a $0 annual fee.
10. Chase Freedom Unlimited
The card offers a 1.5% flat cash back on every purchase. You can be reimbursed up to $1,500 per person and $6,000 per trip for .
Cardholders also earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
It has 0% intro APR for 15 months from account opening on purchases After the intro period, a variable APR of 14.99%–23.74%
You earn cash back of 5% on travel purchased through Chase Ultimate Rewards.
Earn 3% on dining at restaurants, including takeout and eligible delivery services.
Earn 3% on drugstore purchases and Earn 1.5% on all other purchase.
You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.