Are you a credit card enthusiast? These five best credit cards in America offer excellent customer service and the very best rewards.
Tip: Set a calendar reminder for each card’s annual fee date a month before the due. that will allow you to cancel the card or renegotiate the terms.
1. Chase Sapphire Preferred
The best credit card in America is the Chase Sapphire Preferred® Card.
International transaction fees, a low annual cost of $95, and a generous new member incentive.
You’ll gain 60,000 additional points if you spend $4,000 in the first three months. Your points will be worth $750 if you redeem them through the Chase Ultimate Rewards system, like the Chase Sapphire Reserve® Card.
You’ll get 2 points for every spent on travel and eating and one point per dollar spent on anything else when you make purchases.
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Your points will be worth 25% more if you redeem them through the Chase Ultimate Rewards program.
The Chase Ultimate Rewards program points you earn set this card different from the rest. This means you may transfer your points to 12 various travel programs, expanding your vacation possibilities, which is superior to any other alternative.
Check your credit score before applying since it requires a solid score to be accepted, like some premium credit cards on the list.
2. Blue Cash Preferred® from American Express
The Blue Cash Preferred® card is our list’s fourth American Express card.
If you’re expressly searching for a cashback card, this one could be exactly up your alley.
To begin, spend $1,000 on purchases in your first three months to receive a $250 statement credit.
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After that, you’ll get 6% cashback at US supermarkets up to $6,000 in purchases each year, 3% at US petrol stations, 3% on ground transportation, 6% on certain US TV and streaming services, and 1% on everything else.
After the initial 12 months of 0% APR, you’ll be charged a $95 annual fee, and your APR will be adjustable between 14.99 percent and 25.99 percent.
If you’re interested in this card, be sure you have a solid credit history because it requires excellent credit.
3. American Express® Gold Card
The American Express Gold Card is indeed one of the best cards available.
It has a fantastic reward point system that allows cardholders to earn 4 points per dollar spent in US supermarkets, up to $25,000 per year, 4 points per dollar spent at restaurants worldwide, and 1 point per spent on everything else.
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Suppose the loyalty points are just not enough. In that case, there’s also a $100 travel fee credit, no foreign transaction fees, and a $10 monthly bill credit when you use your Gold Card to pay for Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and specific Shake Shack locations.
If you dine out frequently at one of these establishments, you may save an additional $120 each year while also accumulating a significant number of points.
4. Capital One® Venture® Credit Card
We have a credit card that gives you endless 2x miles on every dollar you spend, which is great if you’re searching for a travel credit that’s easy to use but still earns a lot of money.
When you spend $3,000 on purchases within the first three months of getting your card, you’ll get 50,000 bonus miles.
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The card has no annual fee for the first year, no international transaction fees, and a variable APR of 17.99 percent to 25.24 percent. The yearly price is $95.50 after the first year.
Through January 2020, Capital One also provides 10x miles for every dollar spent at hotels.com/venture.
You can’t go wrong with this credit card if you’re searching for an excellent travel rewards credit card.
It isn’t the best card for redeeming points for cash, so you might want to look at another card on the list instead.
5. The Platinum Card® American Express
The Platinum Card from American Express is possibly one of the most well-known and wanted credit cards on the market, and it comes with a slew of benefits.
With a $550 yearly subscription, it’s easy to get caught up in attempting to rationalize why this card is so fantastic.
So, after spending $5,000 in the first three months, you’ll get a 60,000 bonus.
When you book flyings instantly with airlines or through American Express Travel, you may earn 5x membership reward points.
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If you use Uber, you’ll get a $15 credit each month and a $20 credit in December, totaling $200 in yearly Uber savings.
You’ll receive a $200 airline fee credit every calendar year, access to global business lounges, and an average of $550 in hotel and resort incentives.
When the savings and bonuses are added up, the substantial yearly cost is drastically reduced. The worth of all bonus points is around $1200.
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