Best Credit Cards to Have in 2019

More and more people decide to have credit cards as a way to support their finances and improve the overall financial situation.

What are the best credit cards to have in 2019? And how to make the right decision?

There are multiple options when it comes to the best credit cards. Some of them have a 0% interest rate while others offer additional benefits to travelers or provide cashback rewards. It pays to do your research and look closer at the peculiarities each of them has. Depending on the way you are going to use it you can opt for a certain option.

Here is how to select the appropriate card that will suit your financial needs.

Compare the Best Credit Cards in the USA

Best New Credit Cards to Get

Our team reviews the main features of the best-rated credit cards and describes the criteria for selecting the top card for you. You can also find the basic information on the best credit cards to apply for and tips for choosing the one that will work well for your financial situation.

Continue reading, compare the best APR credit cards and you will understand why they outshine the others.

Discover It

Discover company has over 50 million clients across the USA. It offers options for various financial needs. Their Discover IT offers checking options, perks for students, travelers and potential borrowers. Now, this is the third-largest credit card provider in the U.S. Customers may choose from cash-back to travel rewards with numerous additional perks and benefits.

Here are the best credit cards by Discover that may be useful for you.

1. Discover It Cash Back Credit Card

This is a top choice for those who are looking for a cash back option. Customers can get an outstanding 5% cashback on certain spending and purchases. The money can be spent at Amazon.com, at cafes or restaurants as well as at gas stations.

More than that, this card is considered to be one of the best unsecured credit cards during the first year of usage as it offers up to 10% cash back at the end of the first year depending on your overall cash back for this period.

  • Features: The annual fee is $0.
  • Perks: 5% cashback on certain purchases.
  • APR: 0% during the 14 months of the promotional period, then 14.24%-25.24%.

This is one of the best personal credit cards for those who:

  • want to take advantage of the no-fee annual service
  • enjoy the 5% cash back on various categories
  • can get up to 10% cash back provided that the client spends up to $1,500 in each category (which is the quarterly maximum)

2. Discover It Miles Travel Credit Card

Are you searching for the best Visa credit cards that will allow you to travel to the destination of your dreams? Well, an exotic vacation can be closer than you think if you opt for the best credit cards offers for travelers. This card provides 1.5 miles for each dollar the one spends. Also, there is a cash-back option during the first year.

  • Features: The annual fee is $0
  • Perks: 1.5 miles for each dollar you spend
  • APR: 0% during the 14 months of the promotional period, then 14.24% - 25.24%.

This is one of the best options for those who:

  • want to take advantage of the no-fee annual service
  • want to receive numerous miles for travel purchases
  • receive no intro APR for the balance transfers

Chase

Are Chase offers the best credit cards for me? The answer is “yes” if you are looking for the best MasterCard credit cards for business, cash-back or travel. There are many options to select from if you are willing to get the best premium credit cards from Chase company.

1. Chase Freedom Unlimited

The best way to get a Freedom Unlimited card is to have a good or excellent credit score of 670 minimum. It is easy to receive cashback provided that you’ve previously improved your credit. Then you will be able to earn extra points and perks for spending within certain categories.

  • Features: The annual fee is $0
  • Perks: 1.5% cash back for each purchase within particular categories, and 3% cash back within the first year for up to $20,000 of spending.
  • APR: 16.99% - 25.74%

This is a top choice for those who:

  • want to take advantage of the no-fee annual service
  • are non-travelers
  • want to receive rewards for their purchases

2. Chase Sapphire Preferred Card

This is one of the best secured credit cards in 2019 offered by the Chase company. What is the best credit card to get for a cost-conscious traveler? You should opt for this one provided that your credit score is good enough. The only drawback is that people with a bad credit score are not eligible.

  • Features: The annual fee is $95.00
  • Perks: 1 point for each dollar you spend in any country plus 2 points for dining and traveling.
  • APR: 17.99% - 24.99%

This is the best choice for those who:

  • want to take advantage of extra points and perks for frequent travelers or occasional flyers
  • want to receive bonuses and rewards for travel purchases
  • don’t want to pay the foreign transaction fee

Capital One

This company has recently become extremely popular among customers. Let’s have a closer look at it to understand why. The top Capital One’s offers have quite affordable annual fees with lots of perks while those cards with no annual fees offer fewer benefits.

1. Savor Rewards Capital One Credit Card

As it comes from its name, this credit card works great for people who want to enjoy rewards and benefits together with the unlimited 4% cashback for entertainment and dining. More than that, this card offers a cash bonus of $300 for every new client.

  • Features: The annual fee is $0 during the first year, then $95
  • Perks: $300 bonus for every new client and $3,000 cash reward to spend within 3 months
  • APR: 16.74% - 25.74%

This is one of the best options for those who:

  • want to take advantage of the no-fee annual service during the first promotional year
  • want to receive numerous perks and cash rewards for various purchases and entertainment
  • don’t want to pay any foreign transaction fees

2. Venture Rewards Capital One

This credit card is useful for clients who are frequent flyers and like traveling. You can receive unlimited 2X Miles using this card.

  • Features: The annual fee is $0 during the first promotional year, then $95
  • Perks: 2X miles for each dollar you spend, additional 10X miles for staying in various hotels. One can get 50,000 extra points for spending $3,000 on various categories during the first 3 months.
  • APR: 17.99% - 25.24%

This is a top choice for those who:

  • want to take advantage of the no-fee annual service during the first promotional year
  • want to receive numerous miles for travel purchases
  • receive no foreign transaction fees

All in all, there are numerous services to select from. No matter which one you decide to have, do your research and compare the perks and benefits of each card before you make the final decision.