So many credit cards, so little time.
When it comes to choosing the best credit card for you and your needs, it’s best to think about what you tend to use your credit cards on, how often do you use them, and do you have any revolving balances that you’d like to transfer to another credit card for a lower interest rate?
Here are some of the best credit cards you should never leave home without!
1. Citi Bank
Citi Bank has an amazing variety of credit card options for all of your needs.
Whether you’re looking for a credit card with a low APR% rate, low balance transfer rates, or you’re an avid traveler who wishes to rack up travel rewards – Citi Bank has quite a few options for you to review.
If you wish to take advantage of a Citi Bank credit card with a 0% interest rate, Citi has the following cards to choose from:
- Citi Diamond Preferred Card
- Citi Double Cash Card
- Citi Simplicity Card
- Citi Rewards Card
Citi Diamond Preferred Card
The Citi Diamond Preferred Card 2 has a low APR interest rate on balance transfers for about two years!
This is perfect if you have a credit card with a high interest rate and you’re looking to transfer that balance to a credit card with a lower interest rate. By using the Citi Diamond Preferred Card to hold your balance transfer, you have up to two years to pay off that balance transfer – saving money while you’re doing it!
Citi Double Cash Card
The Citi Double Cash Card 3 gives you 0% APR interest on balance transfers. Not to mention, this credit card is one of the best credit cards to have because you’re able to collect 2% on purchases made on the credit card with 1% cashback on purchases; plus an extra 1% as you pay for those purchases.
This is the kind of credit card that keeps on giving!
Citi Simplicity Card
The Citi Simplicity Card 4 offers you 0% interest for a year (12 months), without any late fees. The best part of this credit card is that there’s no annual fee; allowing you to keep more money in your pocket!
This card is a great choice if you have things that you need to purchase right now, after retirement, that are essential. You have a whole year to pay off the card so take advantage of it!
Citi Rewards Card
The Citi Rewards Card 5 provides you with 15,000 bonus points after $1,000 worth of purchases are made on the card within your first three months of activating and having the card in your possession.
This card is perfect if you’re recently retired and in need of car repairs or have an emergency that requires immediate payment; such as a water heater in your home breaking down, needing a part for your washing machine, being behind on your electric bill, etc.
By the Citi Rewards card only requiring you to make $1,000 worth of purchases, you can pay that back easily between any Social Security benefits you may receive, any retirement funds you live on, or money received from your paycheck; if you’re still working.
Once you’ve made $1,000 worth of purchases, you’ll receive 15,000 bonus points, which you can use in exchange for gift cards, purchases made on Amazon.com, or even travel rewards.
2. American Express
The amount of credit cards that American Express has to offer ranges from personal credit cards to gift cards that you can load up with money to give to someone else as a gift.
Here are some of the best American Express credit cards that are available:
- Blue Cash Everyday Card
- Cash Magnet Card
Blue Cash Everyday Card
The Blue Cash Everyday Card 6 has an incredible offer that not only provides you with 3% cashback on purchases made at the supermarket (note that everyone is shopping at the supermarket now more than usual due to COVID-19), but it also gives you $200 back as a statement credit after you spend $1,000 on the credit card.
This card gives you a ton of ways to earn different types of cashback that you can use later
on as an added bonus for being an American Express cardholder.
Cash Magnet Card
The Cash Magnet Card 7 is perfect for you if you like the perk of having unlimited 1.5% cashback plus this credit card gives you 0% APR on purchases made and balance transfers for up to 15 months. Another added bonus is that this credit card affords you the option of payment flexibility where you can carry your balance with interest or simply pay the entire balance in full each month.
Whichever option you choose, you can’t go wrong.
3. Chase Bank
Chase Bank has an array of credit cards that can definitely fit your needs after retirement. Many of the Chase Bank credit cards have travel perks, reward points, plus bonus points that you earn within the first three months of you opening your account.
Check out one of the best credit cards that Chase Bank has to offer!
- Chase Sapphire Preferred Card
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card 8 is the perfect way for you to earn two-times the points on travel and dining purchases. So if you and your spouse or group of friends love to travel outside of the country, this is the best card to use as the Chase Sapphire Preferred Card doesn’t have any foreign transaction fees.
That means you can swipe at will without being charged an extra fee per purchase.
You also have a chance of collecting 60,000 bonus points after you’ve spent $4,000 on purchases made within the first three months of opening your account.
With this credit card, there is an annual fee of $95. However, the benefits of this credit card are worth the annual fee charge.
4. Credit One Bank
Credit One Bank has a variety of credit cards for different situations that apply to you and your lifestyle. One of the best credit cards the Credit One Bank has to offer is their Credit One Bank Visa Credit Card.
Credit One Bank Visa Credit Card
If you have poor credit, this may be the best credit card 9 option for you.
Although a welcome offer isn’t available for this type of credit card, you’re eligible to receive 1% cashback on everyday purchases such as gas, groceries, and cable. That kind of cashback option is perfect since there are certain bills and purchases you have to make anyways.
Why not get rewarded for using your credit card on those purchases?
Which Credit Card Should I Choose?
Have additional questions?
Visit Bankrate.com for more information on which of the top credit cards are the best for you!