Most credit cards that offer great rewards require good to excellent credit for approval. If you are looking for credit cards to build credit or rebuild not so great credit start here.
The top credit cards with the best perks
Chase Freedom– This credit card is for people with good to excellent credit, However, people have been approved with credit score’s around 645. This card is a good option for overall general spending. The Chase Freedom card offers a bonus of $150, if you spend at least $500 on your card within the first 3 months of opening your account. Unlike some other high rewards credit cards there is no annual fee, and 0% APR for the first 15 months. After the first 15 months the variable annual percentage rate is 16.74-25.49%. This card offers an excellent 5% bonus cash back in rotating categories on up to $1,500 purchases each quarter, and 1% on all other purchases. Because this card works in rotating categories, card holders will want to make sure the specific categories match their lifestyle and stay aware of the calendar to receive the full benefits from this card.
Chase sapphire preferred card– A credit card for travelers and people who frequently dine out with excellent credit. This card offers 2x points for every dollar you spend on travel and dining and 1x point per dollar on other things. This credit card offers a great sign-up bonus of 50,000 bonus points when you spend at least $4,000 with your card within 3 months of opening your account. Offering no annual fee for the first year and $95 after, this card is an excellence rewards card choice.
Capital One Venture Rewards Card– This is a card for good to excellent (700 or higher) credit who like to keep things simple. This card offers travel rewards and makes it easy to redeem points. Cardholders will receive 50,000 bonus points after spending $3,000 with their card in the first 3 months of opening the account. When you use this card for reservations at hotel.com you will earn an extra 10x on top of your regular 2 mile per dollar earning rate. Your points never expire while your account is open, making this card ideal for frequent travelers. Cardholders enjoy no annual fee for the first year and $95 after.
AMEX Hilton Honors Express Surpass Card– This card is for the Hilton Loyalist with good to excellent credit. You can qualify for this card starting at the 680 range with better approval odds in the 700 range. With a welcome bonus of 100,000 points after you spend $2,000 or more within 3 months of opening the account, this card is an excellent choice. You will be eligible for 12x bonus points for each dollar you spend at participating hotels or resorts within the Hilton portfolio. Cardholders will receive 6x points on U.S restaurants, gas stations and supermarkets and 3x bonus points on all other eligible purchases. After spending $15,000 in a calendar year you will earn a complimentary weekend night reward. If you frequent Hilton properties you can see why you can definitely benefit from this card.
Which card is best for you? When you look at the perks of each card you can see they cater to different people with different lifestyles. Find which card gives you the best benefits.