Credit Card Offers
Here are some of our recommended categories of credit cards to develop your credit, pay off balances cheaply and also earn travel rewards and benefits. These offers do come from our partners, feel free to read our advertiser disclosure policy.
Recommended Starter Card – Capital One Platinum Credit Card
The Capital One Platinum is a card a lot of people start out with. It helps you build your credit score with easy approval, a low limit and a guaranteed credit limit increase after 5 months of on time payments. I myself used the Capital One Platinum to build my credit when I just started climbing the “credit card ladder.”
The Capital One Platinum Credit Card has no annual fee and no balance transfer fee. If you travel abroad often, it’s good to note there is no foreign transaction fees. With this credit card you can also pick the monthly due date that works best for you. Click here to learn more.
Recommended Second Card – Chase Freedom Unlimited
The Chase Freedom Unlimited is a solid choice for your second credit card, as it enables you to earn rewards on every purchase, without having to pay an annual fee. We recommend this card for those who have one card already and have a credit score in the upper 600s.
You will earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening and unlimited 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open. It is also a good idea to get Chase cards early on because of the 5/24 rule–Chase generally will not approve your applications for certain credit cards if you have already opened 5 or more credit card accounts (at any bank) in the last 24 months.
If you also have a Chase Sapphire card, you can transfer your Freedom Unlimited points to your Sapphire account to boost their value even more. Click here to learn more.
Large Sign-Up Bonus Recommended Card – Chase Sapphire Preferred
When your credit score is around 700 and you have 8 months to a year of credit history, you can apply for Chase Sapphire Preferred. The card offers 60,000 bonus points (after you spend $4,000 on purchases in the first 3 months) and that’s $750 toward travel when you redeem through Chase Ultimate Rewards.
With Chase Sapphire Preferred you will earn 2x on travel and dining as well as 5X points on Lyft rides (that’s 3X points in addition to the 2X points you already earn on travel), 1 point per dollar spent on all other purchases, and you will have access to 13 transfer partners to move your points to. Points take on 25% more value when you redeem them for travel through Chase Ultimate Rewards. Click here to learn more.
Again, it’s a good idea to get chase cards early because of the 5/24 rule.You can upgrade to Chase Sapphire Reserve® after one year.
Recommended Foodie Rewards Card – American Express Gold Card
If your credit score is over 700 and you dine often and/or spend a lot on your groceries, check out American Express Gold credit card. It offers 4X Membership Rewards points on every $1 spent at restaurants worldwide and at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). You can also earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. That is an annual saving of up to $120.
There is currently a 35,000 welcome point bonus after you spend $4,000 on eligible purchases with your new Gold Card within the first 3 months. Click here to learn more.
Recommended Premium Card – The Platinum Card from American Express
This is a great premium card for those who would like to have airport lounge access. With the Platinum Card you can access eligible Delta, Centurion, and Priority Pass lounges all around the world. The popular Amex Centurion lounges, for example, offer a locally-inspired menu, signature cocktails, fully equipped workspaces with high-speed Wi-Fi, family rooms, shower suites and more. Here is a quick peak inside the newest Amex Centurion Lounge at Charlotte Douglas International Airport.
With the Platinum Card, you will earn 60,000 Membership Rewards points (after you use your new Card to make $5,000 in purchases in your first 3 months), 5X points on flights booked directly with airlines or with American Express Travel as well as pre-paid hotels on Amex Travel. You can also enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December, which can add up to $200 in annual Uber savings. Click here to learn more.
The card’s annual fee is $550 annual fee.
Recommended Travel Card – Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card is a great travel card, especially for those who are newer to the game. Miles won’t expire for the life of the account and there’s no limit to how many you can earn. There is a 50,000 miles welcome bonus (once you spend $3,000 on purchases within 3 months from account opening) and you will earn unlimited 2X miles on every purchase, every day, without having to track your spending in particular categories.
Another great feature with the Capital One Venture Rewards Credit Card is the travel eraser function. It lets you use points to erase travel purchases (read no blackout dates) and Capital One recently added transfer partners as well. That’s great news for those who want to look for better deals on business and first class. There is no foreign transaction fees and no annual fee for the first year ($95 after that). Click to learn more.
Recommended Business Card – Ink Business Preferred Credit Card
This a great travel rewards for business owners card. Ink Business Preferred offers 3X points on the first $150,000 on combined travel and select business categories per year and you can add employee cards Free of charge. The welcome bonus is 100,000 points (after you spend $15,000 on purchases in the first 3 months from account opening) that translates to $1,250 toward travel when you redeem through Chase Ultimate Rewards.
With Ink Business Preferred you will earn 1 point per $1 on all other purchases–with no limit to the amount you can earn and will have access to the same transfer partners as Sapphire. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards, but worth 50% more if you transfer them to a Sapphire Reserve card. Annual Fee is $95 and there are no foreign transaction fees. Click here to learn more.