There could be more than one reason to look for a new credit card. It could help you improve your financial well-being, save in the form of rewards, or pay off some existing debt. Luckily, applying for a new card is not a hard trek, as long as you put in the time to find the right card for yourself. Narrow your list to cards that meet all or most of your requirements.
Wells Fargo Active Cash® Card
You need a credit score in the range of 660 to 850 to get a Wells Fargo Active Cash® Card. You can even score a cash reward of $200 after spending $1000 within the first three months. The card has perks like zero annual fees and 2% rewards on unlimited spending. Additionally, the card has a 0% introductory APR value for the first 15 months for opening purchases and opening balance transfers of the qualifying amount. Following the initial 15 months, the variable APR values are 17.24%, 22.24%, and 27.24%. If you are looking for a way to pay your debts and make cash simultaneously, you can get a Wells Fargo Active Cash® Card and earn with their rewards.
Chase Freedom Unlimited®
Chase Freedom Unlimited® Credit Cards are a great option if you’re all about the rewards programs. Using this card wins you 1.5% rewards after every dollar spent. You can also win rewards if you make your travel expenses through Chase Ultimate Rewards. This program wins you 5% cash back along with a travel bonus. You also win 3% cash back on the amount you spend in restaurants, even when ordering takeout. You can sign up for the card with zero annual fees and no introductory APR. However, you will have to pay a variable fee for balance transfers.
Capital One VentureOne Rewards Credit Card
This credit card is the perfect find for people that are often traveling. You get miles added to your card for every dollar you spend on rental cars and hotels. However, the catch is that you must make your bookings via Capital One Travel. The card has no annual fee, variable APR, and multiple loyalty programs. You also get the option of redeeming your points with your preferred option. One setback about this card is its higher APR percentage.
Discover it® Student Cash Back
Among the top choices for students is the Discover it® Student Cash Back card. It comes with a generous rewards program that lets students accumulate 5% cash back on everyday spending during each quarter. Students also get 1% cash back on all their other purchases. The rewards won over the year are then matched by Discover. This offer is, however, only applicable during the first year.
Blue Cash Preferred® Card from American Express
If you are eager to earn cashback rewards even when grocery shopping at any supermarket in the country, with Blue Cash Preferred® cards, you are entitled to 3% cash back on gas, 6% cash back on supermarket purchases, and 1% on other purchases. The card comes with zero introductory APR that lasts the whole first year. Following that, the APR varies between 16.24% to 26.24%. However, it might be possible for you to lose out on the benefits with a $95 annual fee.