Top 5 Best Credit Cards

Credit cards are now a basic necessity of our modern lives. Credit cards have gained the momentum for a decade now, and the way of spending it has changed a lot over the period of time. Credit cards come in handy and it is easiest mode of payments for a wide range of purchases, be it for your daily use from any store or merchant websites online.

Choosing the best credit cards services available in the market is one important decision to make. As with the facility of credit card, comes many more advantages and offers that are rendered by the credit card company.

Using credit card meticulously can bring you many great rewards and discounts. Below mentioned are highly rated and esteemed credit cards, selecting such a credit card and utilizing their great offers is a total pleasure.

Citi Simplicity Card

Citibank came into existence in the year 1812, as a small bank. Now, it has 1400 offices and more than half of it is functioning in the U.S. Their employees are serving a huge number of customers in over 100 countries and other territories of the world. Citi Simplicity Card is their new introduction in the range of their other credit cards. With this card they offer following benefits to their customers:

  • A 0% introductory APR for one and a half year, which is applicable on both purchasing and balance transfers.

  • Assistance on the usage of card is available round the clock. All you’ll need to do is dial their number and shoot your query.

  • There are no annual fees or hidden late payment charges involved with the use of this credit card.

  • Once the offer period is over, the APR will be charged from 12.99% – 21.99% and no other increased interest is charged because of late payment.

  • If you fail to make your minimum payment in time, they do not charge you any penalty interest rate, which is charged by many other banks.

Capital One VentureOne Rewards Credit Card

Capital One came into existence in 1988, and since then it is involved in providing its customers a broad range of financial services. It has almost 1,000 branches working largely in New York, Texas, New Jersey, Maryland, Louisiana, District of Columbia and Virginia. Based on deposits it is one of the top 10 banks of the nation.

VentureOne Rewards is a new credit card issued by Capital One bank. With this card they are offer great deals for the benefits of customers. Here is the list of some important facilities offered by the bank along with this card:

  • No annual fees required to pay for the usage of the benefits of this credit card.

  • Intro 0% APR on purchase until August 2013.

  • On spending every $1 for any purchase, you get 1.25 miles. Redeem these miles for the payment of airline tickets, hotel charges, car rentals etc.

  • On spending first $1,000 within the first three months get one time 10,000 bonus miles.

  • Travel accident insurance.

  • 24×7 emergency assistance is available.

Capital One Cash Rewards

Capital One Cash Rewards credit card is one more innovation of Capital One bank in the field this industry. Many interesting and amusing offers can be obtained by possessing this card. Some of the key benefits that you can avail as the holder of this card are listed below:

  • 0% intro APR till June 2013 on any purchase.

  • On every purchase get 1% cash back.

  • Cash back offer for a lifetime and can be redeemed any time.

  • On the total cash back earned in 1 year get a 50% bonus.

  • If you have a query with respect to your card, then you could call their 24/7 assistant to sort it out.

  • Your card can be further personalized with a picture of your choice along with your name and account number.

  • For foreign transactions, no fees are levied.

  • By using this card for renting a car you are covered for accidents, injuries and loss.

Discover More Card

Discover introduced its first credit card in 1986, and since then it is striving hard to serve its customers by providing best services in the sector. Other banking services of Discover are also rendered in favor of its esteemed customers.

Discover More Card is their new innovation in the wide range of their other credit cards. Following tempting services are presented by them along with this card:

  • Introductory 0% APR on any purchase for the first 6 months, 10.99% – 19.99% APR after that.

  • Introductory 0% APR on any balance transfer for the first 1.5 years, 10.99% to 19.99% APR in the following years.

  • 5% Cash back Bonus – in this exciting offer on many commodities, we can get 5% cash back. These commodities generally keep changing like restaurants, departmental stores, gas etc.

  • 24 hours access to any of the U.S. based customer service departments

  • No fees charged while redeeming rewards, which mean no hidden or additional card fee at all.

Chase Sapphire Card

Chase bank was established in 1955, and is now working with 5,100 branches nationwide. Its headquarters is located in Chicago. Chase bank has introduced a wide range of credit cards but Chase Sapphire credit card is specially bought in for people who fall in the category of frequent flyers. Key advantages of this card are mentioned below:

  • No annual fee.

  • After spending $500 within first 3 months secure a $100 reward, which is 10,000 points.

  • Earn 1 point per $1 for any purchase and 2 points per $1 you spent at restaurant.

  • Keep on earning points, they never expire.

  • You can convert your points into cash or can use them to pay for your airline tickets, hotel or restaurant bills, car rents, etc.

  • When you utilize your points for purchasing airline tickets, there are no restrictions like blackout dates at all.

  • 24/7 customer service executives available at your service.

  • If you hire a car using this card, then you are covered with authentic cash value of the rented vehicle. 

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