With so many different types of credit cards on the market, choosing the best credit card is a bit tricky. Granted, some people don’t research different products and apply for any random credit card. This method works for some, but if you want to get the most out of your credit card, it pays to choose a credit card that best fits your needs. Whether you’re looking for a simple credit card, a student credit card or a rewards credit card, here is a list of the top credit cards for consumers.
This credit card is an ideal choice if you’re looking to transfer your high-rate balances to a low-rate card. Apply for this credit card and receive 0% on balance transfers and purchases for the first 18 months. After the introductory rate period ends, pay a variable rate between 12.99% and 21.99%, depending on your credit score. There is no annual fee and you pay a low 3% balance transfer fee ($10 minimum).
If you’re in the market for an easy rewards credit card, apply for the VentureOne credit card offered by Capital One. You earn 1.25 miles per every $1 spent and you can redeem your miles for airline travel, hotels and rental cars. Spend $1,000 on the card within the first three months of opening an account and earn 10,000 bonus miles. Enjoy 0% interest for the first 12 months and there is no annual fee. Plus, you pay no foreign transaction fees on international purchases.
Maybe you need a credit card that lets you earn cash on purchases. The Capital One Cash rewards credit card is a top choice for consumers. Spend $500 on the card within the first three months of opening an account and earn a $100 cash bonus. You earn 1% cash back on all purchases, but a 50% bonus on the cash back you earn during the year. There is no annual fee and you pay 0% interest on purchases and balance transfers for the first 12 months. You can redeem your cash anytime.
This credit card requires no cosigner and offers several attractive features, such as no annual fee and 0% interest on purchases for the first seven months. Earn 5% cash back on purchases made at drugstores, gas stations, supermarkets and convenience stores. Plus, 2% cash back on rotating categories, such as hotels and restaurants. Earn 1% cash back on all other purchases.
If you’re in search of a low interest credit card offer, apply for the Capital One Platinum Prestige. Pay 0% interest on purchases and balance transfers through November 2013, and a low rate of 10.9% – 18.9% thereafter. Take advantage of 24-hour road assistance and 24-hour travel assistance, plus $0 Fraud Liability if your card is lost or stolen. There is no annual fee.