Best credit cards for 2015 -
Updated: August 4, 2016
That you have balance you can not fully pay off some big purchases, looking to earn extra rewards or want to set up for the holidays, get the right credit card can easily save you hundreds or thousands of dollars. With the economy on the rise, now the credit card issuers are courting potential cardholders with spectacular bonuses, long 0% intro APRs and generous loyalty programs. If your credit card does not respond, it may be time to upgrade your wallet. Help improve your financial situation by taking advantage of these fantastic offers credit card for 2015 while they are still available.
The best balance transfer card: Chase Slate
If you exaggerating some shopping purchases and can not fully pay your balance on one or more credit cards, Chase Slate is the card for you. Instead of starting to accumulate huge interest charges, you can transfer your balances to the Chase Slate. With 15 months 0% Intro APR on balance transfers and purchases, as well as no balance transfer fee and no annual fee, this card can save you a ton in interest payments. It is the only card we have found that offers both free balance transfer fee and a long 0% Intro APR And unlike other cards with stellar features like these, people simply with good credit (often considered a credit score above 660) have a chance of being approved for this card. Note that costs $ 0 balance transfer is available only for the first 60 days, but since the reason most people get this card is to transfer their balances immediately that should not be a problem. If you are in the market for a balance transfer card and are not sure which one is best for your situation, take a look at our free balance transfer calculator to determine which card you will save more.
The best low card in April: Citi Simplicity
Leading the pack with an outstanding 21 months 0% Intro April (the longest we found) and no annual fees or late fees, Citi Simplicity will carry you well in 2017 without interest. Enjoy an intro period of 0% APR for 21 months (which is more than 1.5 years!) On purchases and balance transfers. Also, you will not pay late fees, penalty rates or annual fee. While we encourage our readers to pay their cards in time to maintain a healthy credit rating, with no late fees and no penalty rate is a huge bonus for those who are late with a payment every now and then. Now is the time to get this card, all purchases you make will be interest free until 2017. This extended 0% period in April will allow you to pay your balance over time without costing you anything in fresh interest. Note that this card has a 3% balance transfer fee.
Best Cash Back Card: Blue Cash Preferred Card From Express
The winner of our cash back from the analysis of the card, the card Blue Cash Preferred of American Express (a NextAdvisor seller) American combines excellent cash back rewards with 12 months 0% period April generous. You will gain 6% cash back at supermarkets (a maximum of $ 6K purchases per year) 5% cash back on eligible travel done in the first 6 months s 200 (up to $ cash back max) 3% in stations and select department stores as Sears, JCP, Kohls, Nordstrom and Macy's, and 1% cash back on all your other purchases . In addition, there is a bonus $ 150 after spending $ 1,000 within the first 3 months - pretty easy to win if you use your card as a typical consumer. In addition to this, you can enjoy the 0% Intro APR for the first 12 months on purchases and balance transfers (although there is a balance transfer fee of 3%). I really like this card because of its huge cash return potential. Anyone who spends a lot on groceries and gas can really accumulate cash back rewards. And you do not need to register to get your quarterly cash back - it is automatic. There is an annual fee of $ 95, which can be off-putting to some, but honestly if you use your card as a typical consumer you should win most of it back. If you prefer a card with no annual fee, generous and straightforward cash back rewards (effective 2% cash back on everything!) And 18 months 0% Intro APR on balance transfers, see Bi Citi Cash card. Or to find out what cash back card is best for your spending habits, use our calculator Back free personalized refund.
The Best Travel Card: Rewards Capital One Venture Card
If you register for this great vacation or are just a frequent traveler, you should seriously consider the Capital one Venture card rewards. It starts with a 40,000 point bonus - equal to $ 400 in travel - after you spend $ 3,000 in the first 90 days. In addition, you earn 2 miles for every dollar you spend. That 2x miles on every purchase , not only in special categories or offers that you must register each quarter. Using your miles earned is easy too- just book your travel and redeem your miles as a statement credit against your travel expenses. You can travel however and wherever you want; on all airlines in a hotel with car rental company (or cruise!). You can also make travel plans but you want; online, with a travel agent or by telephone. The key is that you just need to pay for travel with this card, it is that simple.
The Capital One Venture Rewards card had a very high reward value of $ 2.00 for every $ 100 spent in both flight and hotel categories in our analysis of travel rewards credit card. This high value means that your miles are worth more than other popular travel cards in the market today. And an added benefit is that when you are traveling outside the US, you will not have to pay the foreign transaction fee and a chip and signature technology. The card has an annual fee of $ 59, but he waived the first year so you will have one year to determine if this card is right for you before paying an annual fee. As an added bonus, the card was designed for those with good to excellent credit rating, making it a bit more accessible than the cards that require excellent credit.
The best card for person with good (but not great) Credit: Chase Freedom
If you are in the market for a card credit, but n 't necessarily have terrible credit, Chase Freedom might be right up your alley. It was developed for those with credit "Good", which is generally considered a credit score between 660 and 724 on the credit score scale of FICO (if you do not know your credit score, you can ' get free). The card does not skimp on the extras, or - starting with you will get a huge bonus $ 150 intro after spending only $ 500 over the first 3 months. You will also gain 5% cash back on up to $ 1,500 of purchases in categories that rotate quarterly (note: you must register each quarter to receive the cash back), and 1% back on everything you buy rest. Also there is no annual fee to worry about paying you. We really like this card because it has the features that generally oriented cards to consumers with much credit do, but it is available to those who might have a shot or two on the credit report.
The best card for students: Discover Student
Offering both cash bonuses and a 0% introductory April to discover students hits the mark for the college bound. First, you will gain 5% cash back on up to $ 1,500 of purchases in categories that rotate quarterly and 1% cash back on all other purchases. You must Quarterly register online to receive 5% back, but it's worth it. In addition, you can enjoy 6 months 0% Intro APR on purchases. This means that you pay no interest for the first 6 months you have the card. We are not encouraging student debt, but it is good to know if you put a gift or two and a few manuals on your card, you will have 6 months to pay without due interest. Be sure to practice responsible use of your card and you will be able to build a credit history and increase your credit score. And did we mention that there is no annual fee and no foreign transaction fee? So if you are traveling outside the US, you pay no additional fees for using your card, which can save you a ton of money. Overall this is a great card for a college (or grad school) student who combines high rewards with 0% introductory APR on purchases and constant interest rates very reasonable.
The best card for Business: Ink Cash Business Card
Ink Cash Business Card is an excellent choice for business. It serves some features business-oriented, including generous cash back rewards, a 0% introductory APR and no annual fee. The more a bonus $ 200 after spending $ 3,000 within the first 3 months. In addition, you will gain 5% cash back on purchases at office supply stores and on landline phone, cell phone, Internet and cable television services (a maximum of $ 25,000 in combined purchases). You will also have 2% cash back on the first $ 25,000 of purchases handsets in restaurants and gas stations and unlimited 1% cash back on all other purchases. On the downside, the cash back rewards of 5% and 2% are issued every year on your birthday account, but 1% cash back rewards are issued monthly. 12 month 0% Intro APR on purchases and balance transfers can be very useful for new companies seeking to make large purchases they do not have to pay for a year or mature companies who just want to enjoy pay no interest on purchases and balance transfers for a year.
The best card for Average Credit: Barclaycard Rewards MasterCard
The best credit card Reconstruction: Capital One Mastercard Secured
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and has not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but the terms and conditions of card can change at any time. This site may be compensated by the sending credit card affiliate program.