The CreditShout team meets regularly to to find the top credit card deals available, whether you are looking for cash back, travel rewards, balance transfer offers, or a recommendation to help you build up your credit profile. Below is a list of our editor’s pick for the best credit cards for 2019.
For every good deal available, there may be 20 not-so-good deals. This makes it important to do your research before applying.
We have literally spent hundreds of hours sifting through new cards and researching this stuff so you don’t have to.
What do we look for when compiling our list of best credit cards?
Generous rewards programs without hidden rewards caps, fees, or other fine print.
Attractive sign up incentives such as bonus cash back or points that are easy to redeem.
Simplicity – clear and concise terms and conditions and easy to use rewards programs. This includes no hidden fees or “gotchas”.
Top Overall Card for 2019: Barclaycard Arrival Plus® World Elite Mastercard®
The great advantage of this card is that it is simple to use: you get 2 miles for each dollar you spend, and a 5% bonus each time you redeem your miles for travel. This makes each $1 you spend worth up to $.021 (or a flat 2.1%).
Program Highlights Include:
Earn 60,000 bonus miles after you spend $5,000 on purchases in the first 90 days — that’s enough to redeem for a $600 travel statement credit
Earn 2X miles on all purchases
Get 5% miles back to use toward your next redemption, every time you redeem
Miles don’t expire as long as your account is open, active and in good standing
No foreign transaction fees on purchases made while traveling abroad
FYI, this card does come with an annual fee of $89. And the fee is a bargain for all the benefits you get.
The Milestone® Gold Mastercard® is a new card for people with good or fair credit. The Milestone® card allows you to see if you’re pre-qualified online before you apply for the card without impacting your credit score.
What we really like about this card is that unlike most cards for those with below average credit is that this card is an actual Mastercard® — not just a catalog card. This means it can be used at over 35 million locations worldwide.
This is also one of the few cards that you can apply for with a previous bankruptcy or other past credit issues.
The Milestone® Gold Mastercard® also comes with online account access and reports to all three major credit bureaus. Making it a great card for those with limited credit history, poor credit, or a prior bankruptcy on their record.
Be advised that this card does come with an annual fee ranging from $35 – $99, depending on your creditworthiness.
And, frankly, we think its generous rewards program may soon have it ranked among the tops of gas cards and travel rewards cards as well. The new Anywhere Visa is a nice improvement over the old True Earnings card. And not just the best new card, but one of our overall favorites.
Highlights of the New Costco Card:
4% cash back on gas for the first $7,000 per year, and then 1% thereafter (at Costco and stand-alone gas stations)
3% cash back on restaurants and travel
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
Rewards from your True Earnings card transferred automatically to your new card
Best Business Credit Card: Chase Ink Business Preferred℠ Credit Card
Our favorite is the Chase Slate card (read our review) because you can get 0% APR for 15 months on your balance transfers and new purchases, with no balance transfer fee! Be advices, though, that the Chase Slate does not offer any rewards program.
If you do not have excellent credit, you may want to check out the Capital One Quicksilver One cash rewards card. (Read our review.) It is offering 0% APR financing on balance transfers and new purchases for 9 months, also with a $0 transfer fee.
It does come with a $39 annual fee. But you only need fair credit to qualify.
One last recommendation is the Citi Double Cash Card (read our review) – which offers 0% APR financing on balance transfers and new purchases. It does come with a 3% balance transfer fee. But you might like its excellent rewards program, which allows you to earn 1% cash back at the time of purchase and an additional 1% cash back as you pay for those purchases.*
What’s amazing about this card is that they give college students (i.e., people with limited credit histories) access to the same rewards programs and perks traditionally reserved for people with good or excellent credit.
The advantage of the Journey Student Rewards card is its simple rewards program: Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back. And there is no limit to the amount of cash back you can earn, and your rewards will not expire.
Plus, we have spoke to some students who maintain that it is far easier to qualify for the Capital One Journey card.
And if you are looking for more tips on taking advantage of credit card rewards programs, hot deals, or other advice to master your finances, stop by our blog.
We recommend knowing your credit score before applying for a new card. It will give you a better of the type of offerings you can qualify for. If you do not know your credit score, you might want to check out our resources for free credit scores.
Lastly, you may want to check out CardMatch by CreditCards.com to see what kind of rewards cards are available for people like you. It is free to use, won’t hurt your credit score, and – best of all – you can often find better rewards for the same cards just by using CardMatch. Read our review to learn more.
Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.