Credit cards have many benefits, but one needs to know their financial responsibility while using them. The way you use them matters the most. Here’s a comprehensive list of credit cards with excellent rewards and benefits. Our list of popular credit cards should help you shortlist the one that’s most suitable for you. Make sure you compare before you opt for a particular credit card.
Discover it® Secured Credit Card
This credit card comes with no annual fees and is the most popular among people who want to build a good credit score. The card comes with excellent cash back offers and features a 22.99% variable APR. The user can enjoy cash backs on daily spends like 2% at gas stations and restaurants, and this comes with an upper limit of $1000 per quarter. Additionally, the user can enjoy 1% cash back on all purchases. Besides these cash back benefits, this card is a great source to build a good credit score. If you’re planning to apply for a loan and need good credit history, this card could help you reach your goal.
Wells Fargo Active Cash Card
This Visa card boasts of unlimited 2% cash rewards on purchases. But that’s not all! The first three months enable the users to avail $200 in cash rewards on spends worth $1,000. The rewards claimed by the Well Fargo are generous, and many users have given positive feedback on their flexible usage. The card charges no annual fees and comes with 0% APR on purchases and balance transfers for the first 15 months, after which the APR comes to around 14.99% to 24.99% variable. The card also offers $600 cell phone coverage, but that comes with a deductible of $25 every time the user pays the bill.
Bank of America Unlimited Cash Rewards credit card
This card offers an introductory bonus of $200 on a minimum purchase of $1000 in the first 90 days of opening the account with a Bank of America credit card. This card comes with a $0 annual fee and a reward rate of 1.5%; the card offers unlimited cash back of 1.5% on literally every purchase made. The APR charge is 0% in the first 60 days for 15 billing cycles, post that, it is around 13.99% to 23.99% variable APR. The preferred reward members earn up to 25%-75% more cash back, which means their cash back usually rounds off to 2.62% with every purchase.
Citi Custom Cash Card
This Custom card charges $0 annual fees and offers the card owner a $200 introductory bonus on purchases of $750 over the first three months after opening an account. Additionally, the users can enjoy 5% cash back on purchases under the top eligible spend category, which must be up to $500. After the initial $500 is spent, the card owner will enjoy 1% cash back on all purchases. As for the APR, the first 15 billing cycles will cost 0% APR, and then the variable APR will be 13.99% – 23.99%.
Chase® Freedom Flex
This credit card is best known for its assorted bonus rewards that can be accumulated for travel, restaurants, and other purchases. The card owner will have to pay $0 annual fees and will be rewarded with $200 bonus cash back on purchases of $500 and above made in the first three months of opening the account. For the first 15 months, the card owner will have 0% APR, and thereafter, a variable APR of 14.99-23.74% will be levied. One can enjoy cash back up to 5% on grocery shopping with spends that can go up to $1200 in the initial year. Additionally, the card owner can earn 5% cash back, rounding up to $1,500 in combined purchases that will be divided into bonus categories to avail each quarterly. Besides these rewards and benefits, a Chase Freedom Flex credit card owner is rewarded with 3% cash back on dining and drug-store purchases, 5% on travel expenses made through Ultimate Rewards, and 1% on all generic purchases.
