If you are trying to decide which credit card to apply for, one of the first things you may want to consider is the rewards that are offered. Are they worth the cost of the annual fee? You want to make sure that there are rewards that you can actually use. Most people think of airline miles when they hear credit card reward offers. There are other great rewards to be had as well such as cash back or even a discount at your favorite store.
The pros and cons of credit cards are really dependent on the individual. Some people find they are very easy to use and do not incur any costs. Other people are looking for a cost effective way to earn rewards and will pay the annual fee and add the rewards to their monthly bills. If you fall into the second category, then you may want to look at the many ink business unlimited credit card bonus offers available today. They offer business rewards cards that give you top dollar for spending.
You need to compare the different cards to find out who offers the best credit card offers. There are many ways you can do this. You can call the companies and ask them questions over the phone. You can visit their web sites and check out the bonuses, interest rates, and benefits. You can also shop online for the best deals because there are so many different cards on the market.
The best credit cards for you will be those that offer you no annual fee cash-back credit cards with great cash and reward programs. These are the type of cards that allow you to accumulate a cash balance for purchases and then use the points to pay down your balance by using your credit card. This way, you have cash on hand each month but can also pay off your debt. One of the great things about these no-annual-fee cash-back credit cards is that you will have no minimum payment. This means you can start building your savings quicker.
The best no-annual-fee cash-back credit cards include the following cards: American Express Blue Cash, American Express Travel Rewards, Discover More, MasterCard Master Rewards, Visa Rewards. There are many other credit cards with no annual fee and no fees at all. For example, credit card issuers like Citi Travel (previously American Express), Discover, Chase Freedom, and Discover More. You want to take the time to research all the cards to find the one with the best rewards and perks.
A Sapphire Reserve card from Citibank has an annual fee, but it comes with an amazing credit line of $1500 for a single trip. The Sapphire Reserve card also earns you threex points on all purchases you make, which can really help if you travel often. If you fly a lot, you may be able to get discount flights using the sapphire reserve card! However, the cons for this card include the fact that you need to pay an annual fee and you receive a small credit limit.
The second most popular card is the American Express Blue Cash card. You receive a generous credit limit and earn twox points on any purchases you make. The American Express Blue Cash card earns you threex points on all purchases, which can really help if you travel a lot. However, the American Express Blue Cash card has an annual fee of $125.
The third most popular no annual fee, cash back rewards card is the Discover More card. The Discover More card has a great perks and incentives. For example, you can earn up to three free nights when you spend at least $75 during your first year of membership. This airline miles program also gives you double points on every purchase, which can save you a lot of money. Additionally, if you travel, you can redeem your points for free airline tickets.