So you’re looking into getting a credit card?
According to ABC News, 75% of Americans own at least one credit card.
But it’s not always that easy. Most credit card companies require you have at least good to excellent credit before being approved for one of their lines of credit.
And as you probably, credit makes the world go round. Let’s face it. If you don’t have good credit – your chances of getting a house, car, and/or business loan are decreased tremendously.
Whether you have bad credit, good credit, or no credit – here’s the ultimate list of Best Credit Cards 2018 Edition.
The Ultimate List of Best Credit Cards 2018 Edition
There are so many benefits that come with getting a credit card. Some companies offer awesome rewards like cash back rewards and travel perks. Others serve as a great help in boosting up your credit score.
Here’s our list:
1. Capital One Venture Rewards
First up in our Ultimate List of Best Credit Cards 2018 is Capital One Venture Rewards credit card. When it comes to finding a company that awards you for your travel – this is going to be your best bet.
How does it work? Capital One Venture Rewards offers 2 miles for every dollar you spend on a purchase. With the miles that you accumulate, you are able to book travel anywhere in the world.
One of the awesome benefits of this card is the fact that you can use these rewards at pretty much any airline and hotel chain.
The only thing is that Capital One does charge an annual fee. Fortunately, if you’re approved, you’re able to get this fee waived the first year
Bonus: There are no foreign transaction fees. So remember that trip you’re planning for the summer? Bring your Capital One credit card with you! There are 0 penalties for using it overseas.
2. BankAmericard Travel Rewards
Similar to the Capital One Venture Rewards card, Bank of America also holds a travel rewards program for every dollar you spend.
The difference between the two? There’s no annual fee associated with this card. Because they allow you to earn 1.5 points for every dollar you spend- the BankAmericard Travel Card made it to our Ultimate list of Best Credit Cards 2018.
For those who are particular with their spending – this card is going to be perfect for you. BankAmericard offers 0% APR on new purchases and a decent sign-on bonus for those who are just starting.
3. Discover It – Cashback Match
Looking for a card that is able to offer you cashback match? You should probably check out the Discover It Cashback Match!
With this card, you’re able to earn 5% cashback at different places like your favorite restaurant, grocery store and more. And the icing on the cake is that you are able to earn 1% cashback on anything else automatically.
If you’re eager to know a little bit more about Discover It credit cards, we wrote out an honest review listing its pros and cons.
4. Citi Double Cash Credit Card
Citi offers their customers one of the highest rewards rates that you will ever come across, making it undeniably one of the best credit cards you can acquire.
Here’s what makes it top of the line:
Not only do you earn 1% cashback on every purchase you make, but you earn another 1% back when you pay off the balance. Sounds too good to be true, right?
The only thing is, unlike the other credit cards, Citi Double Cash doesn’t offer a sign-on bonus.
But if you have high-interest debt that is taking forever to pay off, this is a card you might want to consider. Because they have the balance transfer promotion, you might be able to cut your debt down due to their lower interest rates.
5. Chase Freedom Credit Card
The list of best credit cards 2018 wouldn’t be the same without the Chase Freedom credit card. With this card, you’re able to earn 5% cashback on every $1,500 you spend on specific categories.
From gas stations to groceries to movie theatres and everyday shopping – you’ll find yourself getting cash back for simply living.
The icing on the cake? This card does come with a sign-on bonus and 0% APR on new purchases and balance transfers.
So that trip you’ve always wanted to go to? This card is perfect for it!
And that credit card debt that is charging too much interest? This card is perfect for that too!
Want to learn more? Be sure to check out our review.
6. Chase Slate Credit Card
If you’re strictly looking for a credit card in order to perform a balance transfer, the Chase Slate Credit Card will probably be your best bet.
Because they happily offer their customers a 0% APR promotion rate and have no balance transfer fee – you might end up paying less on your debt due to their lower interest rate.
Whether or not you want to keep this card after the promotional period, is entirely up to you – but this offer is definitely going to be one you don’t want to miss.
7. Deserve Edu
Everyone remembers the days of being a struggling college student. Fortunately, companies like Deserve created this credit card with the modern-day student in mind.
Because they know that this is the time students begin learning everything about adulting, both international and US students are able to apply for a Deserve Edu credit card.
Just like the other companies, this one offers 1% cash back on all purchases.
But here’s the kicker: They offer a year’s worth of Amazon Prime Student (yes, this means free music, videos, and reading!) and no annual fee. Talk about a steal!
Even though this card is made for college students, Mastercard offers up to a $5,000 credit line to cardholder depending on their credit.
In addition- MasterCard’s Deserve Edu card is constructed in a way that is not mandatory for users to have a co-signer. While most companies will neglect an applicant for little to no credit history – this one is perfect for building credit.
8. American Express Blue Cash Preferred
If you’re looking for the best card that can give you cash back at supermarkets and gas stations- this is going to be the card for you.
After you spend $1,000 within the first 3 months, American Express Blue Cash Preferred offers a $200 statement credit to all their customers.
What makes this card excel? It offers 6% cash back on up to $6,000 per year! So let’s say you spend $60 a week in your neighborhood supermarket, you could earn over $180 per year simply by doing your weekly activity.
9. Citi Simplicity Card
If you think it’s impossible to find a credit card with zero late fees- think again. The Citi Simplicity card offers their customers the only card on the market that comes with zero annual fees, zero late fees, zero penalty rates.
It comes with a 0% APR for the first 18 months, so you don’t have to worry about any outstanding interest rates. But after that, your interest rates will be anywhere from %15.49 to %25.49 based on their credit score.
The Citi Simplicity credit card also offers a pretty low rate on balance transfers. They blow their competition out the water by offering a $5 or %5 transfer fee, whichever one is greater.
As if it couldn’t get any better, Citi offers immediate, personal help for all of their customers. All you have to do is call the line and say “representative” and you’re on your way to experiencing Citi’s awesome customer service.
10. Capital One Spark Business
We couldn’t get through this list without listing at least one business card.
With this card, you’re able to earn unlimited 2% cash back rewards that can equate to hundreds of dollars for your business expenditures.
In addition, this card offers a $500 cash back bonus for the first $4,500 you spend within 3 months. The Capital One Spark business card there is a $0 intro annual fee for the first year and $95 after the first year.
The icing on the cake? The rewards accumulated on this card never expire. So whatever rewards you begin get are redeemable throughout the lifespan of the card.
And lastly, with this is a business card, Capital One allows you to add employee credit cards at no additional costs. Even if they don’t hold the account holder’s card, your business still redeems rewards points with every purchase.
Need A Little Guidance On All Your Financial Needs? Let Us Help!
Whether you’re a going over our Best Credit Cards 2018 list or trying to take out a loan – we’re here to point you in the right direction. Because we specialize in everything that has to do with finance- you can make us your number one resource for all your financial needs.