Top 10 Essential Credit Cards to Maximize Your Financial Benefits
Discover the top 10 credit cards of 2018 designed to maximize benefits, earn rewards, and fit various financial needs. From travel perks to cashback and business options, this guide helps you select the best cards to enhance your credit and avoid debt pitfalls. Consider features, fees, and repayment terms carefully to make informed decisions and maintain healthy finances.
Optimize Your Finances with These 10 Best Credit Card Options
In Sophie Kinsella's bestselling novel, Confessions of a Shopaholic, Becky Bloomwood lives a glamorous lifestyle in London, with a closet full of designer clothes and a vibrant social life. However, her spending habits lead her to accumulating massive debt, with her bank sending red-flag warning letters. Her story highlights how reckless credit card use can impact your financial health. While Becky’s tale ends happily, many readers could face serious repercussions if not cautious. Choosing the right credit card requires careful consideration of features, rewards, and repayment terms.
To help you manage your finances wisely, here are the top 10 credit cards of 2018 designed to meet different needs — whether for travel, cashback, or business expenses. Each offers unique benefits to enhance your credit experience:
Chase Sapphire Preferred® Card – Recognized as one of the best travel rewards cards, it has no annual fee and offers a 0% introductory APR in the first year. Post-trial, the APR ranges from 17.49% to 24.49%, with a $95 annual fee. Earn up to 50,000 bonus points with a $4,000 spend within three months.
Citi® Double Cash Card – No annual fee, 0% APR on balance transfers for 18 months, and a regular rate of 14.99% to 24.99%. Earn 2% cashback on all purchases, making it ideal for maximum savings.
American Express Blue Cash Preferred® Card – $95 annual fee, with 0% APR on purchases and transfers for 12 months. Offers 6% cashback at supermarkets and 3% at gas stations and select stores.
Bank of America® Travel Rewards Card – Earn 1.5 points per dollar, with no annual fee and 0% APR in the first year. Spending $1,000 within 90 days awards 20,000 points.
Discover it® Student Cashback Card – No annual fee, with 0% APR on purchases and 10.99% balance transfer rate for the first six months, perfect for students.
American Express SimplyCash® Plus Business Card – Designed for small businesses, offering 5% cashback on supplies and wireless services, with no annual fee and 0% APR for 15 months.
Capital One® Venture® Rewards – Popular for travel rewards, offers no intro APR but a $95 annual fee afterward. Spend $3,000 in three months to earn 50,000 miles.
Additional options include Citi Sublicity®, Capital One® QuicksilverOne®, and Discover® Secured, each catering to different financial needs. Always research thoroughly before choosing a credit card to ensure it aligns with your financial goals.
