Are Credit Cards Currently My Best Option?

Are Credit Cards Currently My Best Option

Are Credit Cards My Best Option? A credit card is a tool used for Purchases that are issued by banks to their customer, that enables them to purchase items on credit.

With this card you don’t need to carry money about just to make Purchase. Even when you run out of cash, with your CC, you’re covered.

However, As a cardholder, you’ll get this  confidence whenever you want to shop. Cardholdersenjoys amazing rewards, bonuses, points, cashbacks, miles with most credit cards once they make eligible purchases. Find out best CC for beginners, that can help them build their CC credit.

Are Credit Cards Currently My Best Option

A credit card can be your best option, looking at the outstanding benefits that come with it. Thus, CC lets you borrow money that must be repaid. Getting it also gives you chances to build credit, especially if you don’t have a credit history. Below are some of the benefits of using a credit card.

  • If you have an excellent credit reports, you can buy a car, house and also get the best interest rates.
  • Credit Card offers free insurance
  • It helps to protect your money.
  • Enjoy sign up bonuses, with most CC.
  • Get frequent flyer miles on qualified purchases. Cardholders earns miles inflight purchases.
  • It gives members peace of mind, with the free additional consumer protection.
  • It offers amazing cash back. Some CC comes with cash back rewards when they make purchases using the card.
  • Offers cardholders rewards points on eligible purchases with the card.

Best Credit Cards For Beginners

Here are the best CC for you

  • Blue cash everyday card from American Express
  • American express Cash magnet
  • Capital One Quicksilver Cash rewards.
  • Credit One bank platinum rewards visa.

These are some of the top CC best for you.

Best Credit Cards to Build Credit

Here are CC that helps users build credit

  • Discover it secured
  • Deserve Edu MasterCard
  • Petal 2
  • OpenSky secured Visa CC
  • Discover it student cashback
  • Capital One Platinum
  • Discover it student chrome.

The above list are top CC best for building CC.

Best Credit Cards for Cash back

Here are the best cashback redukyu

  • Chase Freedom Unlimited
  • Discover it® Cash Back
  • Capital One venture rewards CC,
  • Ink business preferred CC,
  • Citi Double Cash Card
  • Chase Sapphire preferred® Card
  • Blue Cash Preferred® Card From American Express
  • Chase Freedom Flex
  • United Explorer Card, Discover it Secured and many more.

Blue Cash Preferred® Card From American Express

The blue card preferred is best for groceries, gas and other purchases.

Card Benefits

  •   within the first three months of getting the card.
  • Members enjoys 6% cash back on US supermarket on eligible purchases each year.
  • Cardholders gets 6% cash back on select US streaming subscriptions
  • Earn 3% Cash Back on US gas stations and on transit
  • Members gets 1% cash back on other purchases

So, to apply online go to their official website at

Chase Freedom Unlimited

Chase Freedom Unlimited is another outstanding card issued by Chase Bank. it gives users am amazing cash back rewards plus free annual fee and  introductory offer.


  • Members enjoysFree annual fee
  • Fresh Cardholders gets an intro $200 reward on eligible purchases
  • Cardholders also receive up to 15% to 5% rewards to users.
  • Cardholders enjoy  amazing card bonuses on travel using the card, restaurants and drugstores.

How to apply for the card you will need a good-excellent credit score. Simply visit their website at to apply.

Discover it® Cash Back

Discover it Cash Back comes with free annual fee and  introductory annual percentage rate on purchases and balance transfer. With this, users will be able to save more.


  • Members receives 1% to 5% rewards on qualified purchases they made with their card
  • It offers $0 annual fee
  • Fresh members gets 0% introductory APR on purchases for 14 months
  • Fresh members also receive 0% APR on balance transfers for 14 months.

How to apply:. Visit

Citi® Double Cash Card

CitidoublecashCC is a Citi Bank card. It comes with amazing rewards  just like other rewards CC.


  • It offers a reward rate of 1%-2% cashback to members.
  • Enjoy a 2% cash reward on all purchases. That is, you will earn 1% when you buy, with an additional 1% as you pay for the purchases.
  •  Free annual fee.
  • No caps on the number of cashback you earn.
  • Members can redeem cash back for direct deposit, a statement credit, check, or convert it to points.
  • Get special access tickets to thousands of events with your card.
  • Get 24 hours fraud protection.
  • Enjoy Citi identity theft solutions
  • Get amazing lost wallet service
  • Cardholders get free liability for unauthorized charges.
  • We enjoy a contactless pay system

 To apply, go to their website and

With the list of cards in the above sections, I believe you can easily select the best CC for you. that’s it on this article Are Credit Cards Currently My Best Option.

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