Best Credit Cards 2018

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As of the present time, there is a fairly impressive number of good credit cards on the market. This review of the best credit cards 2018 will help you get an insight about the most beneficial credit cards in 2018, allowing you to make your choice easier. Depending on your needs, this rating of the best credit cards may seem a bit different that you might have expected. But, one way or another, we recommend you to have a look at each credit card, presented in this list.

Chase Freedom Unlimited

Best Credit Cards 2018

Annual fee: $0.

APR for purchases: from 16.24% to 24.99% variable.

Credit card highlights:

  • No minimum to redeem your cash back rewards.
  • 0% introductory APR during the first 15 months on balance transfers and purchases. After this period ends, the balance transfer fee will be 5% with a minimum sum of $5.
  • Cash back rewards do not expire as long as your account is open.
  • You will receive a $150 bonus if you spend $500 on purchases in the first three months.
  • Automatic 1.5% cash back on all other purchases.

This credit card from the Chase bank appears to be among the best cards that don’t charge an annual fee. There are actually two things that make this credit card so outstanding: a solid cash back (which is quite unusual for “free” credit cards) and quite a long 0% introductory APR period on both purchases and balance transfers.

Let’s begin with the first reason. After you have opened the Chase Freedom Unlimited account, you can get a $150 welcome bonus if you succeed to spend $500 within within the first three months – while the bonus is quite generous, the sum you have to spend doesn’t seem so large. Besides, on all purchases you will make with this credit card you will receive 1.5% cash back, which tends to be among the highest cash back rates on the market. After all, cash back rewards do not expire (unless you decide to close your account), and this is another reason in favor of this card.

The 0% introductory APR period on both balance transfers and purchases makes this credit card a pretty good choice for covering your previous debts or make big purchases within the free APR period. All in all, Chase Freedom Unlimited is deservedly placed at the top of our list of the best credit cards 2018, and you can benefit from having this credit card quite much.

Bank of America Cash Rewards Credit Card

best credit cards in 2018

Annual fee: $0.

APR for purchases: from 14.24% to 24.24% variable.

Credit card highlights:

  • $150 welcome bonus after you spend $500 in the first three months after opening your account.
  • You will earn 3% cash back on gas (there is a limitation of $2,500 per quarter), 2% cash back on groceries and wholesale clubs, and 1% cash back on all other purchases.
  • There are no reward expiration dates and no changing categories.
  • You will get a 10% bonus if you redeem the cash back into your savings or checking account at Bank of America (this bonus can even be increased).
  • 0% introductory APR period on purchases during the first 12 months.

This credit card from Bank of America deservedly ranks high in our list of the best credit cards 2018. The most prominent reward of this credit card is a generous cash back, which stands at the level of 3% for gas purchases and 2% for purchases made at groceries and wholesale clubs. All other purchases are rewarded with 1% cash back. Keep in mind, however, that there is a quarterly limitation of $2,500 on gas purchases – if you exceed that sum, you will stop receiving a 3% cash back in the remaining days of that quarter. All rewards do not expire as long as your account remains open.

Same as the Chase Freedom Unlimited Credit Card, this card provides you with a welcome bonus of $150 if you succeed to spend $500 within the first 90 days. Additionally, you get a 0% introductory APR period on purchases during the first 12 months and a 0% introductory APR period on balance transfers during the first 60 days. All in all, this card tends to be a fairly good deal for the seekers of “no annual fee” credit cards.

Discover it Cashback Match

top credit cards 2018

Annual fee: $0.

APR for purchases: from 13.24% to 24.24% variable.

Credit card highlights:

  • You can get a 5% cash back in rotating categories every quarter, including such categories like Amazon.com, grocery stores, restaurants, gas stations, wholesale clubs, etc.
  • You will get a 1% cash back on all other purchases.
  • Intro offer from Discover: the bank will match the cash back you earned at the end of the first year.
  • Cash back rewards do not expire and can be redeemed any time.
  • You can use your rewards instantly at checkout at Amazon.com.
  • 0% introductory APR period on purchases during the first 14 months.
  • 0% introductory APR period on balance transfers during the first 14 months.

Among the best credit cards 2018, there should definitely be featured this credit card from Discover. And even though this Discover card offers not so generous cash back on all purchases you make as the previous cards, there still may be reasons to apply for this card. First of all, you will be able to enjoy a 5% cash back on some of the rotating categories – you can choose those categories each quarter.

Cash back rewards do not expire with this Discover credit card, and you can redeem the rewards you have earned anytime. You can also use them at Amazon.com checkout. At the end of the first year, the bank will match the cash back you earned automatically.

Another thing we recommend you to pay attention to is the 0% introductory APR period on purchases and balance transfers during the first 14 months. After that period expires, your APR will be from 13.24% to 24.24%, depending on your creditworthiness. If you have a good credit score, you are likely to receive quite a low APR, which is another benefit of this credit card.

Wells Fargo Cash Wise Visa Card

top credit cards in 2018

Annual fee: $0.

APR for purchases: from 14.24% to 26.24% variable.

Credit card highlights:

  • 0% introductory APR period on balance transfers during the first 12 months.
  • 0% introductory APR period on purchases during the first 12 months.
  • Get a $200 welcome bonus after you spend $1,000 within the first 90 days.
  • 5% unlimited cash back rewards on any purchases you make.
  • Your rewards do not expire as long as your account remains active.

This credit card from Wells Fargo is quite a good offer for anyone who seeks to receive a good cash back. Unlimited cash back at the rate of 1.5% tends to be quite a good offer among credit cards. The other reason why we added this card to our list of the best credit cards 2018 is the 0% introductory APR period on purchases and balance transfers, which you can enjoy during the first 12 months.

Additionally, you will receive a $200 welcome bonus if you spend $1,000 with this credit card during the first 90 days. And even though the sum to be spent is quite higher than the one of the first cards in this list, the offer still remains quite pleasant. You will get additional benefits (such as a $600 worth protection for your cell phone) if you will pay your bills by using this credit card. All in all, this is quite a worthy candidate to be present in this of the best credit cards 2018.

Capital One VentureOne Rewards Credit Card

premium cards in 2018

Annual fee: $0.

APR for purchases: from 13.24% to 23.24% variable.

Credit card highlights:

  • 0% introductory APR period on purchases during the first 12 months.
  • Receive a 20,000 miles welcome bonus ($200 in travel) after you spend $1,000 during the first 3 months.
  • Receive 1.25 miles for every $1 spent.
  • Travel without blackout dates.
  • No foreign transaction fees.
  • Miles do not expire as long as your account remains open.

Among the best credit cards 2018 present in this list, this card from Capital One tends to be the only one designed for travel purposes. And that really stands true, as all the benefits you get with this credit card are travel-related.

Let’s look closer at this card. You will enjoy a free intro APR period on purchases during the first 12 months. You will receive miles as a welcome bonus and for every purchase you make – the purchases shouldn’t necessarily be connected with travel. On the other hand, you will be able to spend the miles you receive only for travel-related purpose, and that makes the rewards to be quite insignificant. But, one way or another, this credit card doesn’t have foreign transaction fees and annual fees, which makes it to be a worthy candidate to be featured in this list of the best credit card 2018.

Besides, we also recommend you to find out more about the Best Buy Credit Card.

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