When your credit is good, obtaining the credit card of your choice is not a problem. Offers are not hard to find, but it is difficult to tell the difference between the great deals and the unexceptional ones. The fine print always tells you everything about the card you attain, but it is rare for anyone to read the fine print thoroughly. Fortunately, there are card companies that will give you all the important details in plain sight. Legal details are still in fine print, but the benefits, rewards, and percentage rates are not.
1 – Amex Everyday Credit Card from American Express
To apply for this card, you need a credit score of 676 or higher. There is no annual fee and no interest to pay for the first 12 months. On the thirteenth month, there is a variable rate of 13.24% to 23.24%. Making $1000 in purchases within the first 3 months will get you 10,000 membership rewards points. You can use these points to pay for flights, hotels, vacations, and cruises.
2 – Discover it Cashback Match
To apply for this card, you need a credit score that is in the range of good to excellent. There is no annual fee for 12 months, and a variable rate of 11.24% – 23.24% after 12 months. There is no annual fee and no fees on balance transfers for the first 12 months. The cash-back rewards program Cashback Match is available for new cardmembers only. You can double your money within the first year of entering this program. You can also earn between 1% and 5% cash back at participating department stores.
3 – Capital One Venture Rewards Credit Card
Excellent/good credit is necessary in order to obtain this card. There is no annual fee or foreign transaction fees within the first year. Earn an unlimited amount of miles and use them for any trip at any time. Double your miles by making purchases on the card at any retail shop or restaurant. Spend $3000 within the first three months of approval to earn 40,000 bonus miles. Use these miles whenever you wish to fly on any major airline anytime.
To receive this card, you need a credit score of at least 721. Pay 0% in interest and nothing on balance transfers and foreign transaction fees for the first 9 months. Get 1.5% cash back on every purchase you make on any item daily. Spend $500 within the first 3 months and receive a $100 cash incentive.
5 – Citi Double Cash Card – 18 Month Balance Transfer Offer
Applicants need excellent/good credit in order to receive this card. No interest or balance transfer fees within the first 18 months. On month 19, the rates will change to a variable 13.24% – 23.24%. There is no annual fee and no limit to the amount of cash back you can receive on purchases. Receive 1% cash back twice in one transaction wherever you use the card. Your credit score determines the amount of interest you will pay at the end of month 18.