67% of Americans currently have a credit card. With so many Americans using these cards, the market is now flooded with credit card offers.
With so many options, it can be overwhelming to figure out which card is the perfect fit for you. Some may have amazing rewards but lots of fees. Others may have low APRs but absolutely no rewards.
As you dig through these offers, many questions may come up.
How do you determine which one is the right one for you? What is the best credit card? How will you know which offer is truly a great deal?
Well, look no further – this guide details the top 5 best credit cards in 2019. Read below and see which one is the best card for you!
The Best Credit Cards Of 2019
Capital 1 Quicksilver Cash Rewards
Do you want to spend money and receive cash back at the same time? The Capital 1 Quicksilver may be the card for you!
With this card, you earn 1.5% cash back on all purchases without any sort of limitation. This means anywhere you use your card, you’re guaranteed to receive 1.5% cash back.
There is 0% APR for the first 15 months and no annual fees. After 15 months, the APR varies from 18.24%-26.24%. You also receive a $150 cash bonus when you spend $500 in the first 3 months.
Capital One Venture Rewards
The Capital One Venture Rewards credit card is a good option for frequent flyers. You receive 50,000 miles just for signing up if you spend $3,000 in the first 3 months.
On top of this great intro bonus, you also receive rewards for 10X miles on hotels booked through hotels.com as well as 2X miles on all your purchases. As a result, it was voted as one of the best travel credit cards.
The APR varies from 17.99% to 25.24%. The annual fee of $95 is waived in the first year of use.
Unlike the 2 previous cards, the Reflex Mastercard doesn’t have a great rewards program. In fact, it doesn’t have one at all. There are no points or cash back incentives for using the card.
On top of that, it also has annual and monthly fees. The APR is 29.99%, which, compared to other cards, isn’t the best rate.
So why is this considered one of the best credit cards of 2019? Well, this card happens to be a great option for people with bad credit. It focuses on rebuilding your credit and improving your credit score.
If you’ve been denied by other credit card companies in the past, you may want to read more about the details of the Reflex Mastercard. This card can help you improve your financial future.
Discover It Balance Transfer
Paying off high-interest debt is one of the best ways to save your personal finances. The Discover It Balance Transfer card is perfect for helping you do just that.
The Discover It has 0% APR for the first 18 months for all balance transfers. With this option, you can transfer and finally pay off any old high-interest credit card debt without accumulating more interest.
There are also some other great benefits with this card. There are no annual fees. You can receive 5% cash back at select locations – such as restaurants, gas stations, and more. In addition to this, you can earn 1% cash back without any limitations for all other purchases.
Citi Simplicity Card – No Late Fees Ever
Do you occasionally forget to pay your credit card bill on time? After you realize that it’s past due, you get punished with a huge late fee that swallows all the money you had set aside for the original payment. If that’s a common struggle for you, then the Citi Simplicity Card – No Late Fees Ever may be the card for you!
The Citi Simplicity does not charge you any late fees or penalty rates. This is unique and a huge incentive for some people. However, the one downside is that it doesn’t offer any sort of rewards program.
There is 0% APR on the first 12 months for purchases and 0% APR on the first 21 months for balance transfers. After this period, the APR will vary from 16.24-26.24%. There is also no annual fee.
Pick The Best Credit Card For You
These 5 cards are some of the best credit cards on the market today. Depending on your needs and lifestyle, one of these may be a better fit for you. Carefully review the guide and determine which one you want today.
If you have any other questions, contact us here for more financial advice and guidance.