Have -you excellent credit? If so, banks are actively seeking to gain you as a new credit card customers by offering unprecedented deals. Although banks were more cautious on customer acquisition with a dubious credit since the 2008 financial crisis, they are now fighting harder than ever to win the coveted customers with much credit. If you are in the excellent credit sweet spot, they actually give you money (and lots of it) to use their credit cards. These are the 7 best deals, you can enjoy today:
Chase Sapphire Preferred: This is our # 1 travel rewards card because it offers a lot of value and flexibility. It starts with you earn 2 points for every dollar spent on travel and dining out, and 1 point per dollar on all other purchases. This is followed by an introductory bonus 50,000 points leader in the industry after spending $ 4,000 within the first 3 months - equal to a whopping $ 500 cash. Redeem points earned through Ultimate Rewards Chase saves 20% discount on travel costs, allowing you to stretch this introductory bonus 50,000 points in $ 625 in travel. You can also redeem your points against cash back, gift cards and merchandise.
The best part is that you can transfer your points 1: 1 to many frequent travel programs with no transfer fee, including United MileagePlus, awards Southwest Rapid, Hyatt Gold Passport and Marriott Rewards. This means that 1,000 points are equal partners in 1000 miles / points straightforward. This feature is likely to appeal to road warriors who are members of various partnership programs because users are not limited to spend their points via the Chase rewards program. In fact, our travel rewards card analysis, your introductory bonus 50,000 points worth over $ 1000 when transferred to the Hyatt reward program. There is an annual fee of $ 95, but it is waived the first year.
Chase Slate: This card was designed with the consolidation of credit card balance in mind. It is the only card that we found both with a long 0% introductory APR and no balance transfer fee. His 15-month 0% introductory APR on balance transfers and purchases translates payments without interest until 2017. In addition, there is no balance transfer fee during the first 60 days of the accession of the map. This is a big deal, as depending on how you plan to transfer, balance transfer fees can really add up. In fact, a cool intro $ 0 balance transfer can save you hundreds of dollars in fees, and annual fees $ 0 is also a money saver. So if you have excellent credit, you absolutely should not pay the credit card interest. Get this card and transfer your balances.
Blue Cash Card from American Express preferred : The Blue Cash Preferred Card from American Express (NextAdvisor a seller) is such a great cash back card that I have. You will gain a dramatic 6% cash back at supermarkets (to a maximum of $ 6K purchases per year), 5% on eligible travel purchases made during the first 6 months (max of $ 200 cash back) 3% on gas and at department stores such as JCP, Kohl's and Macy's, and 1% on everything else. In addition, you get an introductory bonus of $ 150 after spending $ 1,000 on purchases with your new card within the first three months - that's a 15% cash back bonus on the first $ 1,000 that you spend! In addition, you can enjoy a 0% APR for 12 months intro on purchases and balance transfers. There is an annual fee of $ 95, but depending on your spending habits this card should easily pay for itself and then some. If you want a similar card that has no annual fee, see Everyday Blue Cash Card from American Express, which has the same 12 months 0% APR, but lower cashback rate and a bonus intro slightly less.
See what Cashback Match: If you are in the market for a great cash back rewards cards which also has a 12-cycle billing 0% APR, this is a smart choice. Not only can you transfer balances from your high interest cards at Discover Card Cashback Match and pay zero interest for a full year (note that there is a 3% balance transfer fee), but you will have the same 0% intro APR on new card purchases. Additionally, you earn 5% cash back on categories that rotate every quarter (of a maximum of 1 $ 500 purchases and 1% back), and 1% on all other purchases. Amazon.com, Sam's Club and department stores are the Categories back 5% from now until the end of 2016, which means that you can reap the rewards cash back when shopping for holidays. Discover more will double the cash back you earn at the end of your first year as a member of the board, making only 5% return effectively 10% return. So if you earn $ 300 in cash back, Discover will match that $ 300 for a total of $ 600 cash back! This is a great bonus with infinite potential, but remember that it is only available in the first year so make sure to enjoy it. Discover Cashback this game has everything -. Cash back, a return extra cash bonus (! 2x cashback your first year), a long 0% Intro APR on purchases and balance transfers and no annual fee
Citi Diamond Preferred Shopping for a special item for yourself or someone else? This card will allow you to make major purchases then carry that balance in 2018 without paying a penny of interest. Citi Diamond Preferred (a NextAdvisor seller) has a very long 21 months 0% introductory APR on purchases and balance transfers. And there is no annual fee. The combination makes this card perfect for those looking to make a major purchase (or more purchases) or who is interested in transferring balances from other credit cards with high interest rates it. Either way it is a smart choice.
Chase Freedom Unlimited: Chase Freedom Unlimited offers unlimited 1.5% cash back on all purchases and a long 0% Intro APR on purchases and balance transfers . The standard percentage reward allows making money on your purchases without worry, you do not need to do anything or remember to register for quarterly rewards as some other cards require. Instead, you will have 1.5% on every purchase you make. In addition, you earn a return bonus $ 150 cash after spending $ 500 over the first 3 months, which is equal to 30% return on the first $ 500 you spend! There is also a 15 months 0% Intro APR on purchases and balance transfers, and to top it all, there is no annual fee.
Citi Double Cash Card: The Cash Card Double Citi has an efficient cash 2% on all purchases and a long 0% Intro APR on balance transfers. The cash back rewards are the best we have seen for a card that offers cash back one percent on everything you buy. There are two two-step get full 2% cash back. Use your card to purchase the item (s) for the first 1% cash back. You will receive the second 1% cash back after you paid for your purchase (s), for a total of 2% from the cash return. As long as you pay the minimum each month, you can take as long as you want to pay your balance and recover the additional 1% in cash (aka, 2% of the total return of effective cash). In addition to the high percentage cash back, you'll enjoy a generous 18 months of an introductory APR of 0% on balance transfers. And to top it all, there is no annual fee and no cap on the amount cash back rewards you can earn.
TIP: If you are in the market for a new credit card, but do not think your credit you qualify for one of these cards, take a look at our top 7 cards for people less than perfect credit.