Posted On: October 14, 2016

What makes a truly great credit card? Is it a low interest rate? How about great rewards? The truth is every person may have their own ideal mix of interest rates and features depending on how they spend and what they enjoy. That means that multiple cards may qualify as great to different people.

To help you find the top credit card for your needs, follow this post and see which of these options speaks to your personal needs.

Top Card for Airline Travel

Would you like 30,000 bonus points to put towards your travel dreams?

If so, the JetBlue Plus card is your top card of 2016.

Not only do you earn a 30,000 point bonus, worth about $450, after spending $1,000 in the first 90 days, you also get a slew of point earning options.

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There are no confusing categories for which to sign up, making your earnings simple to understand. You can earn point on all of your purchases at the following rates:

• 6X points on qualified JetBlue Purchases

• 2X points at grocery stores and restaurants

• 1X points on all other purchases

For regular JetBlue travelers, that means your points add up fast. Combine those rewards points with the 5,000 point anniversary bonus, and you will be flying for less more quickly than ever.

When you’re ready to fly, you also get more flexibility than some other rewards programs. Those benefits include:

• No blackout dates

• Choose any available seat

• Fly at any time

• 50% off eligible in-flight purchases

As long as your account is in good standing, your points never expire

Families can even pool their points to fly more often. Plus, you get 10% of your points back on every eligible redemption, making your next trip a reality faster.

Top Card for Cash Back

If you love cash back, the Barclaycard CashForward™ World Mastercard® is for you. Get 1.5% cash back on every purchase no matter where you shop.

Whenever you redeem your rewards, you’ll also get a 5% cash back rewards bonus for your next redemption. Cash back can be deposited directly into your bank account or used for statement credits, and you can also cash in for gift cards.

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Other great features include:

• Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening

• 0% Introductory APR for 15 Months on Balance Transfers

• No Annual Fee

• Redeem Cashback for Cash in the Bank, Statement Credits or Gift Cards

If you are looking for a cash back card without confusing categories, this may be the best option for you.

Top Card for Travel

Sometimes it is best to find a card that makes travel more convenient. The Barclaycard ArrivalTM Plus World Elite MasterCard® allows you to earn double miles on every purchase.

You also get 50,000 bonus miles if you spend $3,000 on purchases within the first 90 days.

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Miles can be traded in for a variety of perks including:

• Travel Costs

• Statement Credits 

• Gift Cards

• Merchandise

Miles never expire as long as your account is active, and you can enjoy a 0% introductory APR for the first 12 months on Balance Transfers made within 45 days of account opening. Plus, world travelers also enjoy no foreign transaction fees, making this ideal for holidays spent abroad.

Top Card for Low Interest

Sometimes, the most important thing about a card is the APR. If you want a card with a low APR throughout the life of your card, the Barclaycard Ring™ Mastercard®  is ideal.

The APR starts at an incredibly low 13.74% variable, depending on your individual credit details. 

 

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A unique online community gives cardholders the ability to weigh in on a range of options, and the Giveback program makes sure that customers are rewarded for good behavior too.

Other card features include:

No Balance Transfer Fees

No Annual Fee

• Free FICO Score

If you have a balance on a higher interest card, taking advantage of the balance transfer option can help you save money today, giving you more to spend on special occasions.

 

 

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Have a question? Ask our Credit Card Expert at Silver credit, Christophe Ochin, or email him directly at: [email protected]