With so many credit card options available in the United States, it can be very hard for you to pick the best one for you. Having the right card and good spending habits can be very beneficial for you.
Different credit cards offer different rewards depending on your spending and the points you have accumulated. With the right credit card, you can also get some additional benefits such as discounts at select retailers, annual statement credits, and travel insurance.
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This makes using a credit card even more worthwhile. The following are some of the credit cards that give the best rewards to their users;
This is the best credit card for bonus points. The card guarantees you 60,000 points if you spend $4,000 or more within the first six months of opening the account. Also, you get 4× points when you use the card for dining anywhere in the world.
If you book a flight directly with a renowned airline using the card, you’re also guaranteed 3× points. The card also offers $1250 worth of insurance cover for your carry-on baggage and another $500 for any of your baggage that is lost or stolen.
It’s important to note that American Express® Gold Card doesn’t charge any fees for purchases made outside the country.
For cardholders in the United States, there is a $250 annual fee charged, which is often reduced if you take advantage of the $120 dining credit that the card offers every year. This makes American Express® Gold Card the ideal card for people who like to dine outside.
This is the best credit card for hotel purchases and travel. The card guarantees you about 60,000 miles for $3,000 spent within three months after opening the account. This translates to $600 worth of travel discounts.
Also, the card rewards users with 5× miles on all hotel and rental cars booking done via Capital One Travel. If you make other purchases using the card, whether retail stores or diners, you get 2× miles per dollar spent awarded to you.
It’s important to note that the card doesn’t charge any fees for foreign transactions and charges only a $95 annual fee for users in the United States. This fee is relatively low compared to other credit cards, which charge upwards of $500.
Also, cardholders receive an application credit of up to $100 for Global Entry or TSA PreCheck. Other rewards that this credit card offers include around-the-clock travel assistance, travel accident insurance, and auto rental collision waiver for its users.
The card also comes with a 17.24% to 24.49% APR variable on all purchases and balance transfers.
If you want to maximize your cash-back for everyday spending, this is the right credit card for you. Although it doesn’t come with a welcome bonus for users, the credit card makes up for its cash-back rewards on purchases.
This credit card leads the rest with a 2.5% cash-back bonus on all the purchases made. This is up to $250 per billing cycle. The card also has an APR variable of 12.24% to 22.24%. This is helpful for the cardholders who accumulate month-to-month balances.
The credit card involves a $99 per year annual fee waived on the first year of account opening. There are no fees charged for cardholders who make purchases outside the United States.
For those who fancy luxury travel, this is the most beneficial credit card for them. Upon opening the account, you stand to earn 60,000 points if you spend $4,000 and above within the first three months.
For this year, all cardholders are eligible for 10× bonus points on Lyft rides through March 2022 and 3× points for travels globally. All these come after you’ve earned a $300 annual travel credit.
Cardholders also get 3× bonus points for their dining, whether in restaurants or for their delivery services and takeouts. The credit card also comes with a Priority Pass™ Select lounge access for cardholders at over 1,000 VIP lounges in over 500 select cities worldwide.
When you open an account with this credit card, you also receive a free one-year subscription to DashPass if you activate it before December 2021. Also, the card comes with an application fee credit of up to $100 for Global Entry or TSA PreCheck.
The card comes with a regular APR variable of 16.99% to 23.99% for users. Although the credit card has a $550 annual fee attached to it, you can’t deny that there are numerous rewards that cardholders stand to get with it.
This credit card is most suitable for those who regularly spend on groceries and gas. Any cardholder stands to earn $300 statement credit if they spend $3,000 and above within the first six months of account opening.
With this credit card, you earn a 6% cash-back for all purchases worth $6,000 per year made at the United States supermarkets. There is also a 6% cash-back for cardholders who have subscribed to select streaming services in the United States.
You also get 3% cash-back for amounts spent in gas stations and transit. The credit card bears an annual fee of $95, which is waived for the first year of account opening. The credit card also has an APR variable of 13.99% to 23.99% for cardholders.
Listed above are some of the best credit cards you could hold in the United States. However, before opening an account with any of them, it’s important to keep in mind where your regular spending go to so that you can get the credit card that will earn you maximum rewards.
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