There is no single best card for everyone among the thousands of credit cards available in the US market – there are many excellent options. Choosing between them necessitates determining what you want to use the card for (for example, maximizing rewards, minimizing interest payments, or consolidating debt) and then optimizing for that goal.
We are here to help you determine which adjusts best to your needs, be it travel, business, regular credit -or students-.
Here’s an overview of the best credit cards based on your needs, according to NerdWallet.
Chase Sapphire Preferred® credit card: If you are into traveling, this is your best option. You can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. When redeemed through Chase Ultimate Rewards®, it becomes more than $700 toward travel.
American Express Blue Cash Preferred® Credit Card. This is the best for everyday spending. You can earn cash back at gas stations, groceries, and other purchases. No annual fee, 0% APR for the first 15 months, then 13.99%-23.99% APR.
CITI® Double Cash Card. This card offers 2% cashback, 1% when you buy, and 1% as you pay.
Discover it® Secured Credit Card. This card is the best for a subpar credit score
Ink Plus® business card. If you are considering a business card, this is your best bet. You can:
Earn 5 points per $1 on the first $50,000 spent in combined purchases each account anniversary year at:
- Office supply stores
- Internet, cable and phone services.
Earn 2 points per $1 on the first $50,000 spent in combined purchases each account anniversary year at:
- Gas stations
- Hotel accommodations when purchased directly with the hotel
Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
Points do not expire as long as your account is open.
You’ll pay no foreign transaction fees on purchases made outside the U.S., no matter where your business takes you.
Zero Liability Protectionsame page link to card details* – Zero Liability means you won’t be held responsible for unauthorized charges made with your card or account information
Fraud alerts – In the case of unusual activity, Chase can notify you by phone, text or email. To make sure we have your contact information, please log into chase.com and click on the Change Mailing Address, phone and/or email link to edit your preferences.