The Best Credit Cards for Your Needs This 2019
The right credit card looks after your needs. It is worth searching for the best one that matches your preferences, whether it is rewards, cash backs, low interest rates, added perks, and more. Maximize the money you put back in your pocket with the best credit cards for 2019 below.
- Best for Purchases on Good Credit
Get rewarded for your good credit with the BankAmericard credit card. It offers 0% on purchases and balance transfers for 18 billing cycles made in the first 60 days or during the introductory APR. After, the regular APR is at 15.24% – 25.24% Variable APR. Meanwhile, the minimum fee for all balance transfers is set at 3% or $10 minimum. There is no annual fee, no penalty APR, and late payments do not automatically raise your APR.
- Best for Purchases on Average Credit
Daily cash rewards and unlimited cash back make the Capital One QuicksilverOne Card incredibly attractive. There is unlimited 1.5% cash back on all your purchases and you can earn cash rewards without signing up for rotating categories. After five months of timely payments, you can also get access to a higher credit card line. If you travel frequently, added card benefits include no foreign transaction fees, best currency exchange rates, reliable 24-hour travel assistance services, travel accident insurance, and extended warranty benefits.
- Best for Building Credit on Bad Credit
Choose Platinum Credit Card from Capital One if you are on the road to rebuilding your credit. No need to stress looking for a credit card that will approve you. It is just a regular credit card so there are no great rewards but it is a start to getting your credit history back on track. The APR is 26.96% and there is no annual fee.
- Best for Low Interest Rate for the Military
USAA Visa Platinum Credit Card serves one of the lowest interest rates of any credit card at 8.90% on purchases. There is one requirement to apply though: you must be a current or retired member of the military or the immediate family member of a current or retired member of the military. If you qualify, you can receive 2,500 bonus points with your first purchase without any minumum spending amount, earn one point for evert dollar you spend on all purchases, and have no ceiling for points that also never expires. There is 0% intro APR for six months while the regular APR is 8.90% to 25.90%. No annual fee.
- Best for Rewards for Excellent Credit
If you have excellent credit, Capital One Savor Rewards Credit Card provides many benefits. After opening your account, you can get a one-time $500 cash bonus after you spend $3,000 on purchases within three months. There is ongoing unlimited 4% cash back on dining and entertainment; 2% back at grocery stores; and 1% back on all other purchases. Everything you spend comes back to you. Other perks are other perks extended warranty, price protection, complimentary concierge services, and 24-hour travel assistance. The regular APR is 16.74% to 25.74%. There is a $95 annual fee that is waived on the first year.