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Best Credit Cards of 2016

By on April 20, 2015
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Nerdwallet.com

Whether you are a first time credit card shopper or have had plenty of credit cards, shopping for credit cards can definitely be a pain in the rear end. How are you supposed to know what is best for you? Do you want a low APR or is it important to you that you get rewards for your spending? Or maybe you are looking for a credit card that you can transfer an outstanding balance to. But, you could just be looking to rebuild your credit from a few years of late payments. Whatever you are looking for, here are the Best Credit Cards of 2015.

 

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Bankvibe.com

Chase Slate
Best balance transfer card

People can hide from paying painful interest fees on a large balance is by getting a card that will accept their previous balance. With Chase Slate, there’s no annual fee and no balance transfer fees, but only for the first 60 days. Good thing people usually transfer their balances right away. Plus, there’s 0% APR for 15 months, on both the balance transfer and purchases. Just make sure you have a credit score over 660.

 

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Commadot.com

Discover it
Best balance transfer card

The Discover it card has been listed under almost every category Best balance transfer and Best rewards credit card. The card pays 5% cash back, with the categories rotating in 3-month cycles – that need to be signed up for and 1% cash back on all other purchases. The 0% APR offer on both purchases and balance transfers, with plans for 6 months to 18 months and no annual fee.

 

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Multivu.com

Barclay Arrival Plus World Elite MasterCard
Best card for traveling

Whether you are a frequent traveler or want to earn points for your next vacation, this award winning credit card is a good option for you. The perks of this card include no foreign transaction fee and earning $2.20 each time you spend $100, for both hotels and flights. If you spend $3,000 within the first 90 days, you just earned 40,000 bonus points. Plus, there are several bonuses for the mile you travel.

 

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Twitter.com

Capital One Venture Rewards
Best card for traveling

Being able to travel at anytime is a big deal. Waiting around to see what dates are available for vacation does not work for everyone. But, if you have the Capital One Venture card, there are no black out dates, no foreign transaction fees, and the miles are unlimited, and won’t expire. During the first 3-months, earn 40,000 bonus miles when you spend $3,ooo in purchases.

 

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Bestoftens.com

Bank Americard Travel Rewards
Best card for traveling

When traveling overseas, one of the biggest things to consider for a credit card is if there are foreign transaction fees. Good thing the Bank Americard doesn’t have any foreign transaction fees or an annual fee. There’s a 0% introductory APR for 12 billing cycles. During the first 90 days, 10,000 bonus points can be earned, when $500 in purchases made. Plus, there’s no blackout dates and benefits to Bank of America Customers.

 

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Bestoftens.com

Citi Double Cash Card
Best rewards

Citi likes to do something special with their offers – where you earn 1% when you make the initial purchase and another 1% when it gets paid off, hence the name Citi Double Cash card. There’s 0% APR for 15 months, on both purchases and balance transfers – with a$5 or 3% fee for the transfer and no annual fees. Plus, there are no category restrictions, no enrollments, and no caps.

 

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Www304.americanexpress.com

Blue Cash Preferred Card from American Express
Best rewards

If you use your credit card for gas or groceries, then this is a great card option for you. Earning 6% at supermarkets, 3% at gas stations and specific department stores, and 1% on everything else. Plus the rewards are automatic – so no signing up constantly. There’s 0% APR for 15 months, on both purchases and balance transfers – with a 3% fee for the transfer and a $75 annual fee.

 

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Twitter.com

USAA Cash Rewards American Express
Best rewards

This American Express Card is good for groceries and gas, as well. With this card, you can earn 5% cash back on gas for up to $3,000; 2% cash back at the supermarket for up to $3,000 each year; and 1% cash back on everything else. Plus, there’s no annual fee. This card is special, especially for those in the Military. They get offered numerous special benefits, including help during deployment.

 

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Therewardsjunkie.com

Chase Freedom
Best card for good credit

So, you have missed a few credit card payments, but you have been able to push your credit score into the good category (between 660 and 724). Chase Freedom allows you to rotate quarterly and earn 5% cash back, plus there’s a 1% for all other purchases. There’s no annual fee to worry about and a $100 bonus, when you spend $500 – during the first three months.

 

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Couplemoney.com

Barclay Rewards MasterCard
Best card for average credit

This MasterCard is a great way to rebuild your credit score and earn rewards at the same time. With this card, earn 2 points per $1 on groceries, gas, and utility, plus earning 1 point per $1 on everything else you need. With no annual fee, this card makes it easy to rebuild your credit score. And one of the perks of having this credit card, is the complimentary FICO score for members.

 

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Money.cnn.com

Capital One Secured MasterCard
Best card for rebuilding

If you are someone that has credit and it’s in pretty bad shape, this Capital One Secured MasterCard is definitely a great option for rebuilding. With a minimum of $200 for a security deposit, it will get you a $200 credit line and as you improve your credit worthiness – your line of credit can increase. You will also be reported regularly to the major credit bureaus. Oh, and there’s no annual fees.

 

QuicksilverOne-Rewards-Card

Comparecards.com

Capital One QuicksilverOne Cash Rewards
Best card for fair credit

This MasterCard is one that is relatively easy to get if you do not have excellent or good credit, but rather average or fair credit. This rewards card doesn’t have rotating categories, no sign ups, and fraud coverage for lost or stolen cards. There’s 0% introductory APR on purchases and balance transfers till 2016 – with a 3% transfer fee. And after 5 months of on time payments, you can apply for a higher line or credit.

 

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Creditcardshelplines.com

Citi Simplicity
Lowest APR

Most credit cards offer 15 months for their 0% APR introductory offer, but the Citi Simplicity card offers 18 months for their offer, plus no annual fee, late fees, or penalties. No late fees is great news for those that are late on their payments every now and then. Don’t be scared of the 3% balance transfer, but this card allows you to pay that balance off with no interest fees for 18 months.

 

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Shebudgets.com

Discover it For Students
Best card for students

Thank goodness for online reviews because college students would have no idea where to look for a solid credit card. There’s a 6-month 0% APR introductory offer, which gives students a little time to payback a portion or the whole balance they previously racked up. There’s also no annul fee and no foreign transactions fees. This card also comes with a few perks, like earning 5% cash back on purchases up to$1,500 and 1% on everything else.

 

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Agbeat.com

Ink Cash Business Card
Best card for businesses

This Chase Business card is pretty awesome. With no annual fees and 0% APR introductory offer for a full 12 months – giving businesses a chance to make payments without interest. If businesses spend $3,000 during the first three, they earn a $200 bonus. For office supplies, phones, internet, and cable – businesses earn 5%; 2% on restaurants and gas stations; and 1% on everything else.

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