2019 best credit cards

Factors to Consider When Selecting a Credit Card

When it comes to choosing the best credit card, there are several key factors to consider:

1. Annual Fees: Look for cards with no annual fees or low annual fees to avoid unnecessary expenses.
2. Interest Rates: Understand the card’s annual percentage rate (APR) and how it may impact your finances if you carry a balance.
3. Rewards and Cashback: Evaluate the earning potential of the card’s rewards program, including the types of purchases that earn the highest rewards.
4. Introductory Offers: Take advantage of sign-up bonuses, 0% APR periods, and other promotional offers to maximize your benefits.
5. Credit Limit: Ensure the card’s credit limit aligns with your spending needs and helps you maintain a healthy credit utilization ratio.
6. Additional Features: Consider valuable perks like travel insurance, purchase protection, and extended warranty coverage.

Best Credit Cards of 2019 with No Annual Fee

In the world of credit cards, finding a gem with no annual fee can be a game-changer. Here are some of the top no-annual-fee credit cards to consider in 2019:

1. Citi Double Cash Card: Earn 2% cash back on all purchases (1% when you buy, 1% when you pay).
2. Chase Freedom Unlimited: Enjoy a flat 1.5% cash back on all purchases, with no spending categories to track.
3. Bank of America Cash Rewards Credit Card: Earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.

Top Picks for Credit Cards for Excellent Credit in 2019

If you have an exceptional credit score, you’re in a prime position to take advantage of the best credit card offers on the market. Consider these top-tier options:

1. Chase Sapphire Reserve: Earn 3X points on travel and dining, with a generous sign-up bonus and a host of premium travel benefits.
2. American Express Platinum Card: Enjoy unparalleled travel perks, including airport lounge access, statement credits, and elite status with hotel and rental car partners.
3. Citi Prestige Card: Earn 5X points on air travel and dining, with valuable benefits like a fourth night free at hotels and a generous annual travel credit.

Best Credit Cards for Balance Transfers in 2019

If you’re looking to consolidate and pay down high-interest debt, consider these top balance transfer credit cards:

1. Citi Simplicity Card: Enjoy 0% APR on balance transfers for 21 months, with no annual fee.
2. Chase Slate: Benefit from 0% APR on balance transfers for 15 months, with no balance transfer fee.
3. U.S. Bank Visa Platinum Card: Receive 0% APR on balance transfers for 20 billing cycles, with no annual fee.

Choosing the Best Credit Card for Travel in 2019

For frequent travelers, the right credit card can unlock a world of valuable perks and rewards. Here are some of the best travel credit cards to consider in 2019:

1. Chase Sapphire Preferred: Earn 2X points on travel and dining, with a generous sign-up bonus and no foreign transaction fees.
2. Capital One Venture Rewards Credit Card: Earn 2X miles on all purchases, with a straightforward mile-to-dollar redemption ratio.
3. Barclays Arrival Plus World Elite Mastercard: Earn 2X miles on all purchases, with a lucrative sign-up bonus and a 5% miles redemption bonus.

Exploring the Best No-Interest Credit Cards of 2019

If you’re looking to finance a large purchase or consolidate debt, zero-interest credit cards can be a game-changer. Check out these top no-interest credit card options:

1. Citi Diamond Preferred Card: Enjoy 0% APR on purchases and balance transfers for 18 months, with no annual fee.
2. Chase Freedom Unlimited: Receive 0% APR on purchases for 15 months, with no annual fee and a flat 1.5% cash back on all purchases.
3. Wells Fargo Platinum Card: Benefit from 0% APR on purchases and balance transfers for 18 months, with no annual fee.

Maximizing Travel Rewards with the Best Credit Cards of 2019

For travel enthusiasts, the right credit card can unlock a world of rewards and perks. Consider these top travel rewards credit cards:

1. Chase Sapphire Reserve: Earn 3X points on travel and dining, with a generous sign-up bonus and valuable travel benefits.
2. American Express Gold Card: Earn 4X points at restaurants and U.S. supermarkets, with a lucrative sign-up bonus and airline fee credits.
3. Citi Premier Card: Earn 3X points on travel, including gas stations and commuting, with a solid sign-up bonus and no foreign transaction fees.

Best Credit Cards for Students in 2019

As a student, building credit and establishing a strong financial foundation is crucial. Here are some of the best credit card options for students in 2019:

1. Discover It Student Cash Back: Earn 5% cash back in rotating quarterly categories, with a unique cash back match program.
2. Capital One SavorOne Student Cash Rewards Credit Card: Earn 3% cash back on dining and entertainment, with no annual fee.
3. Bank of America Cash Rewards Credit Card for Students: Earn 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.

Top Small Business Credit Cards of 2019

For small business owners, the right credit card can provide valuable rewards, cash flow management tools, and financial insights. Consider these top small business credit card options:

1. Ink Business Preferred Credit Card: Earn 3X points on the first $150,000 spent in select business categories, with a generous sign-up bonus.
2. American Express Blue Business Plus Credit Card: Earn 2X points on the first $50,000 spent each year, with no annual fee.
3. Capital One Spark Cash for Business: Earn 2% cash back on all purchases, with a straightforward cash back program and no annual fee for the first year.

Best Credit Cards for Recent College Graduates in 2019

As a recent college graduate, building credit and establishing financial stability is crucial. Here are some of the best credit card options to consider:

1. Discover It Student Chrome: Earn 2% cash back at gas stations and restaurants, with a unique cash back match program.
2. Chase Freedom Unlimited: Enjoy a flat 1.5% cash back on all purchases, with no annual fee and a 0% APR on purchases for 15 months.
3. Wells Fargo Active Cash Card: Earn 2% cash back on all purchases, with no annual fee and a 0% APR on purchases for 15 months.

Best Credit Cards for Earning Miles in 2019

For frequent flyers and aviation enthusiasts, the right credit card can help you rack up valuable airline miles. Check out these top mile-earning credit card options:

1. Chase Sapphire Preferred: Earn 2X points on travel and dining, which can be transferred to a variety of airline and hotel loyalty programs.
2. American Express Gold Card: Earn 4X points at restaurants and U.S. supermarkets, with the ability to transfer points to airline partners.
3. United Explorer Card: Earn 2X miles on United purchases and at restaurants and hotels, with valuable United-specific benefits.

Finding the Best Credit Card for Financial Success in 2019

Navigating the vast array of credit card options can be a daunting task, but with the right guidance, you can find the perfect card to support your financial goals. Whether you’re looking to build credit, earn rewards, or enjoy interest-free financing, the key is to carefully evaluate your spending habits, financial objectives, and credit profile to identify the credit card that aligns best with your unique needs. Don’t settle for less – take the time to explore the best credit card options of 2019 and unlock the financial success you deserve. Click here to compare the top credit cards and find the one that’s right for you.