2017 RANKING & REVIEWS
TOP RANKING CREDIT CARDS TO HAVE


Finding the Best Credit Card to Get

The average American has 3.7 credit cards in their name, and 58% of North American bankers have stated that they only expect consumer demand to increase

While 20.2% of Americans had been turned down for credit in 2014, that number decreased to 13.5% last year. Easy-to-get credit cards are more available now, and that makes it easier to obtain the best credit card to have.

Award Emblem: Top 6 Best Credit Cards to Have

However, the best credit cards to apply for come with many questions, such as “what is the best place to get a credit card?” From the best place to get a credit card to “what is the best credit card to have?” we answer your questions and help you find the best credit card to have in your wallet.

Selecting the best credit card to get is a very personal process. While there are many good credit cards to get, it isn’t always easy to find the best credit card for you. That is why we have put together a list of the best credit cards to apply for to help you pick the best credit card to get.

See Also: Top Cash Rewards Credit Card Offers | Ranking | Best Cash Back Rewards & Money Back Credit Cards



AdvisoryHQ’s List of Top 6 Easy-to-Get Credit Cards

List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

best-credit-card-to-have-min

Source: Parade


Top 6 Best Credit Cards to Get | Brief Comparison

Credit Card Names

Annual Percentage
Rate (APR)

Annual
Fee

Continual Rewards

Credit
Needed

American Express Blue Cash Preferred® Card

13.24-23.24%

$95

Cash Back

Fair –
Good –
Great –
Excellent

BankAmericard Cash Rewards™ Credit Card

13.24-23.24%

None

Cash Back

Fair –
Good –
Great –
​Excellent

Capital One® Quicksilver® Cash Rewards Credit Card

13.24-23.24%

None

Cash Back

Excellent

Capital One® VentureOne®

12.24-22.24%

None

Miles

Excellent

Chase Sapphire Preferred® Credit Card

16.24-23.24%

$95, waived the first year

Cash Back

Fair –
Good –
Great –
​Excellent

Discover it® Card

11.24-23.24%

None

Cash Back

Fair –
Good –
Great –
​Excellent

Table: Top 6 Good Credit Cards to Get| Above list is sorted alphabetically



Detailed Overview: What Is the Best Credit Card to Have?

If you are wondering “what is the best credit card to get?” there are several features to consider. It is easy to get a credit card, but to find the best credit card to apply for is a bit tougher. To answer your question of “what is the best credit card to apply for?” we suggest that you look for a combination of the following attributes:

  • Low APR offers
  • Low intro APR period
  • No annual fee
  • Balance transfer abilities
  • Rewards
  • Easy to get
  • No foreign transaction fees

Choosing the best credit card to apply for takes thought. While all of the credit cards on our list are good options, the best credit card to get depends on your financial situation and personal preference.

Detailed Overview: What Is the Best Place to Get a Credit Card?

If you are wondering what is the best place to get a credit card, there are a few options. The best place to get a credit card ranges from:

  • Brick & mortar banks
  • Online banks & lenders

Brick-and-mortar banks are considered by some to be the best place to get a credit card. Some people prefer face to face meetings with bank representatives, so they will visit their local bank branch. Others prefer the convenience of selecting an online bank to apply for easy-to-get credit cards. The best place to get a credit card depends on your application preference and internet savvy.

Don’t Miss: Best 0 Balance Transfer Credit Cards | Ranking & Reviews | 0 APR Credit Card Balance Transfer Fee



Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.


Detailed Review – Top Ranking Easy-to-Get Credit Cards

Below, please find the detailed review of each card on our list of the best credit cards to apply for. We have highlighted some of the factors that allowed these best credit cards to apply for to score so highly in our selection ranking.



American Express Blue Cash Preferred® Card Review


If you are wondering what is the best credit card to get, look no further than the American Express Blue Cash Preferred Credit Card. This makes our list of easy-to-get credit cards because you can get it with fair credit. There is a 0% introductory APR period that lasts for 12 months on purchases and balance transfers, which makes this the best credit card to have to defer paying for purchases. After that, you will see variable APR between 13.24% and 23.24%.

Though there is an annual fee of $95, it is easy to recoup that with the generous rewards that American Express offers. The American Express card is the best credit card to get if you like an easy-to-achieve bonus offer. You can get $150 cashback if you spend $1,000 in the first three months, and as a bonus offer, you can earn 10% cash back on purchases that you make at Amazon in the first six months. On this best credit card to have, you will earn 6% cash back at supermarkets, 3% at any gas stations, and 1% on any other purchases that you make.

Who Should Get This Card?

This is the best credit card to have for those who spend a lot on groceries or want an easy-to-achieve bonus offer. With an annual fee of $95, you will just need to spend $31 a week at a grocery store to break even on the rewards. For a larger family, this might be one of the best credit card to get.



BankAmericard Cash Rewards™ Credit Card Review


If you want to get a credit card, then you need to consider the BankAmericard Cash Rewards™ Credit Card. This credit card answers the question, “What is the best credit card to apply for?” There is no annual fee, but this credit card does come with a foreign transaction fee of 3%, so you won’t want to use it for international purchases. There is an introductory 0% APR period for purchases and balances, before it jumps to a variable APR of 13.24 to 23.24%.

You will earn 2% cash back for purchases at grocery stores and 3% cash back on gas, up to $2,500 per quarter. The signup bonus offered is also $100 for spending $500 within the first three months of opening your account. This is the best credit card to have if you spend in these main categories. You will earn 1% cash back on purchases that fall outside of these categories.

Who Should Get This Card?

If you are already a Bank of America customer, this might be the best credit card to have. It will link to your current Bank of America accounts, which makes paying bills and redeeming awards easy. Also, if you are interested in consolidating debt, this might be the best credit card to get since there is 0% APR on balance transfers for 12 months.

Related: Top Credit Cards with No Annual Fee | Ranking & Reviews | Best No Annual Fee Credit Cards



Capital One® Quicksilver® Cash Rewards Credit Card Review


Next on our list of easy-to-get credit cards is the Capital One® Quicksilver® Cash Rewards Credit Card. There is no annual fee, an introductory 0% APR period for purchases and balance transfers that lasts 9 months, and no foreign transaction fee.

This is the best credit card to have if you like bonus rewards, since you will get $100 cash back if you spend $500 in three months. Aside from that, you will earn 1.5% cash back on every purchase, and there are no rotating categories to keep track of. The cash back that you earn also won’t expire, and there is no limit to what you can accumulate. As another bonus, if you pay for Uber rides with your Quicksilver card, every tenth ride up to $15 is free.

Who Should Get This Card?

If you need to get a credit card that is easy to use, the Capital One® Quicksilver® Cash Rewards Credit Card is the best credit card to have. There are no fees, an intro APR period, and easy-to-earn rewards that never expire. If you want ease of use, this is one of the best credit cards to get.



Capital One® VentureOne® Review


easy-to-get-credit-cards-min

Source: Capital One® VentureOne®

The Capital One VentureOne credit card is on our list of easy-to-get credit cards that are great to have in your wallet. You will get 0% introductory APR on purchases for 12 months before it jumps to 12.24% to 22.24%. There is also no annual fee or foreign transaction fees, so you can use it for international travel as well. Though there is a plethora of benefits with this best credit card to have, it will take excellent credit to get this card.

This card offers a bonus of 20,000 miles if you spend $1,000 in the first two months. This is equal to $200 in travel. The card also offers 1.25 miles for every $1 spent, no matter where you spend it. You can use these miles to book any travel with Capital One’s travel platform, or utilize the Purchase Eraser feature to reimburse travel expenses.

Who Should Get This Card?

This is among the best credit cards to get for anyone who wants a long introductory APR offer. If you want a card that lets you easily earn and redeem travel miles also, then this may be the best credit card to get.

Popular Article: Best 0 Interest Credit Cards | Ranking | Top No-Interest, 0% Purchase, 0 Percent Credit Cards (Reviews)



Chase Sapphire Preferred® Credit Card Review


If you need to get a credit card, the Chase Sapphire Preferred® Credit Card is one to consider. There is no introductory APR period, so you will automatically have an APR between 16.24% and 23.24% for purchases and balance transfers. The annual fee of $95 is waived for the first year, but you can use it internationally since there is no foreign transaction fee.

This card is one of the best credit cards to get if you want a large signup bonus. If you spend $4,000 in the first three months, you will earn 50,000 bonus points. This amounts to $625 in travel when redeemed through Chase Ultimate Rewards. If you add an authorized user in the first three months, you can also get another 5,000 points.

Who Should Get This Card?

This card can answer the question of “What is the best credit card to get?” It could be the best credit card to have for anyone who likes to easily and quickly gain rewards. With a large bonus offer, you can start off with 50,000 points and quickly add to the balance.


Discover it® Card Review


The Discover it® Card is one of the good credit cards to get on our list. If you have been thinking “What is the best credit card to apply for?” then this card should certainly be on the list of the best credit cards to apply for. Customer service is 100% based in the United States, and you can get your FICO credit score for free on your monthly statement. With no annual fee or foreign transaction fee, the Discover it® card is very easy to use.

Though there is no upfront bonus offer, Discover will match the cashback that you earn the first year. With 5% at Amazon, department stores, and other rotating categories, you can quickly rack up rewards. You will earn 1% cash back on any other purchases as well, and these rewards are redeemable for gift cards, merchandise, and statement credits.

Who Should Get This Card?

This is the best credit card to get for low annual percentage rates. With APRs between 11.24% and 23.24%, and a o% APR offer for 12 months, this is one of the best credit cards to have if you are looking to make some larger purchases.


Conclusion — Top 6 Best Credit Cards to Apply for

Having a credit card is an asset that can have a significant impact on your financial situation. The best credit card can allow you to transfer a large balance to help you get out of debt, can offset the cost of large purchases, or can simply reduce the need to carry larger sums of cash on a daily basis.

get-a-credit-card-min

Source: Huffington Post

If you have been wondering, “What is the best credit card to have?” the credit cards detailed in this list are a great place to start. Though the best credit card to apply for depends on your personal preferences, the best credit card to get will have a combination of features. If you want to get a credit card, here is a breakdown of our top easy-to-get credit cards:

  • Best Credit Card for Low APR: Discover it® Card
  • Best Credit Card for Rewards: Chase Sapphire Preferred® Credit Card
  • Best Intro APR Offer: Capital One® VentureOne®
  • Best Credit Card to Get for Families: American Express Blue Cash Preferred® Card
  • Best for Balance Transfers: BankAmericard Cash Rewards™ Credit Card
  • Best Credit Card to Have for Ease of Use: Capital One® Quicksilver® Cash Rewards Credit Card

While each of the good credit cards to get on our list would be an asset to your wallet, the best credit card to apply for is the one that can meet your needs. Above all, get a credit card that works for your financial situation.

Read More: Top Business Credit Cards | Ranking | Best Small Business Credit Card Offers (Reviews)



AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.