Signing up for a new credit card is a big financial decision no matter your reason for doing so. There’s a lot to consider about your new card from the interest rate to penalties. And, finding a credit card with the best credit card bonus doesn’t always mean it’s the best credit card in the long run.
That’s why it’s so important to perform as much research as you can about each individual card you are considering before you apply.
If you’re thinking about opening a new credit card this year, you’re in the right place. In this article, we’re discussing the best credit cards with perks and more.
These Are the Best Credit Card Bonus Cards in 2019
From sign up bonuses to travel miles and in between, there is a credit card to fit your spending habits. The trick is finding it. Check these out to see what catches your eye.
Citi Simplicity® Card
This card has a regular APR of 16.24% to 26.24% variable. The perks, no annual fee and a zero percent introductory offer on balance transfers and purchases in the first 21 months of opening your card.
Even better, The Citi Simplicity® card has no late fees, ever.
Chase Sapphire Preferred® Card
This card carries a regular APR of 18.24% to 25.24% variable and a $95 annual fee. The perk is, that annual fee is waived in the first year. Besides that, you’ll earn bonus points that you can use toward travel every time you use your card.
Even better, there are no travel restrictions or blackout dates when you book your trip with Chase Ultimate Rewards.
Capital One® Venture® Rewards Credit Card
This card was named the best travel credit card by CNBC in 2018. It carries a regular APR of 17.99% to 25.24% variable. There is no annual fee for the first year and then it is $95 per year thereafter.
The perks, you’ll earn 2 travel miles for every purchase plus 10 travel miles for hotel purchases through January 2020. Not to mention the one-time bonus for spending $3,000 in the first three months of opening your card. Who knows, that bonus alone might be enough to take you somewhere you’ve always wanted to go.
Discover it® Cash Back
The Discover it® cash back card carries an APR of 14.24% to 25.24% variable. The perks, no annual fee and an introductory 0% APR on all balance transfers and purchases in the first 14 months. Not to mention that you can earn 5% cash back on quarterly purchases and 1% cash back on everything else.
Even better, Discover will match your cash back rewards at the end of your first year. No questions asked.
US Bank Cash+™ Visa Signature® Card
This card carries a regular APR of 16.24% to 25.74% variable. The perks, no annual fee and a zero percent introductory APR on balance transfers in the first 12 billing cycles.
There is a new cardmember bonus if you spend $500 in the first three months of opening the card. Then, you’ll earn customizable rewards for purchases at various retailers.
Blue Cash Preferred® Card from American Express
American Express cards require excellent credit because they offer excellent perks.
This card carries a regular APR of 15.24% to 26.24% variable. There is a $95 annual fee but you’ll enjoy an introductory APR of zero percent on balance transfers and purchase for the first 12 months after opening your card.
Even better, when you spend $1,000 in the first 3 months of opening your card, American Express will give you a $200 statement credit. Beyond that, you’ll earn cash back at grocery stores, gas stations, and other purchases all year long. Cash back can be redeemed for merchandise, gift cards, and statement credits.
Barclay Ring® Mastercard®
The Barclay Ring® Mastercard® is not regularly advertised but it’s one of the best credit cards you can obtain for a fair interest rate. The regular APR is only 14.24%. If that’s not good enough for you, enjoy the $0 annual fee. And, there are still more perks!
The introductory offer for this card is a zero percent APR on balance transfers within the first 45 days of opening the account. The regular 14.24% applies to all transfers thereafter.
Even better, if you want to use this card to travel, there are no foreign transaction fees, ever.
HSBC Gold Mastercard© Credit Card
This card carries a regular APR of 13.24% to 17.24% variable. It can fluctuate to 21.24%. There is no annual fee and an introductory offer for zero percent on balance transfers and purchases in the first 18 months from opening the account.
Other perks, with good credit history you may be able to get a late fee waiver. There are no foreign transaction fees with this card.
Visit now to compare HSBC cards.
Bank of America® Travel Rewards Credit Card
This is the best miles credit card with an introductory offer. The Bank of America® Travel Rewards card carries a regular APR of 17.24% to 25.24% variable. The perks: no annual fee and zero percent interest on purchases within the first 12 months of opening the card.
Even better, since Bank of America® knows that traveling is the secret to happiness, you’ll earn one and a half points for ever dollar spent. There’s also a pretty sweet bonus if you spend at least $1,000 in the first three months.
Finding the Best Credit Cards
Finding the best credit card bonus doesn’t have to be so overwhelming. Keep this list in mind when you begin your search for the best credit card offers for your personal financial situation.
We hope you found this post helpful. While you’re thinking about credit cards, it’s also a good time to think about your credit health. Check out this post about things you need to know about your credit score so that you don’t find any surprises when you apply for your next best rewards credit card.