Whether it’s great to welcome bonuses, great reward offers, or great terms, all the best credit card have great features to offer. No wonder you need good or very good credit to approve most of them.
Some of the best credit cards on our list offer a high 0% introductory period in April; others offer a high rate of return on credit card expenses. These are great credit cards, but the best credit card for you will depend on your spending habits and credit card usage goals.
Whether you’re looking for rates, short fees, or no annual fees, check out our current selections of the best major credit cards for May below. We made our list of the best credit card offers.
1. Chase Freedom Unlimited Credit Card
The Chase Freedom Unlimited credit card offers a wide range of benefits, but the refunds are even more impressive. You get 5% cashback on trips booked through Chase Ultimate Rewards, 3% on purchases in pharmacies, restaurants, and restaurants, and a flat rate of 1.5% on all other purchases. You can get an extra 1.5% cashback up to $ 20,000 purchased in the first year through a welcome bonus and until March 2025 you can also get 5% cash back on Lyft rides.
This Chase credit card also offers no annual fee and 0% introductory APR on purchases and balance transfers for 15 months (15.24% to 23.99% variable APR afterward), which is good circulation. We’ve also looked at many other credit card rewards, as some readers may be looking for different categories of rewards.
2. U.S. Bank Visa Platinum Card
The United States. The Bank Visa Platinum Card offers an incredible 20 billing cycles with 0% initial APR for purchases and balance transfers (14.74% to 24.74% variable APR thereafter), crushing the competition. While there is no sign-up bonus or rewards program, there is also no annual fee, so this option is low.
Not only is it a great card if you are making a big purchase or you want to extend your interest-free payments, but it is a great emergency credit card if you have to cover large unexpected expenses. With other credit cards with 0% APR for purchases and balance transfers, you have a shorter 0% introductory rate period, but you can get additional benefits and rewards.
3. Chase Sapphire Preferred Credit Card
The Chase Sapphire Preferred Card is the best travel card on the market. The rewards program is difficult to compete with – it expands into daily categories and has competitive travel prices. Points cost $ 0.01 if you exchange them for credit on the statement, but you will receive a 25% increase in redemption value if you exchange your points for travel through Chase Ultimate Rewards.
The Welcome Bonus – 80,000 points if you spend $ 4,000 on purchases within the first three months of opening an account – also costs $ 1,000 for trips booked through Chase Ultimate Rewards.
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You also get many travel benefits. There are no foreign transaction fees, one-way transfer with the airline and hotel partners, baggage delay insurance, trip delay insurance, and cancellation/cancellation insurance. Together, this is a remarkable offer for an annual fee of $ 95.
4. Discover It
Discover it Cash Back offers a unique sign-up bonus: unlimited cash back at the end of the first year. You don’t have to reach the minimum spending limit like most other sign-up bonuses – but if you spend enough, you can add more credit cards with such bonuses.
You can enjoy 5% cashback up to a maximum quarter (then 1%) per rotating quarter category if you activate it. Some of these quarterly categories include purchases on Amazon.com, grocery stores, or gas stations. Discover will also give you 1% back on all other purchases. We have also collected some other credit cards with lots of sign-up bonuses.
Discover it Student chrome offers a winning combination of incentives and flexible terms for credit card holders for the first time. At gas stations and restaurants, you’ll see 2% cashback up to $ 1,000 on combined purchases per quarter, then 1%. You will also get unlimited 1% cashback on further purchases.
Discover doubles your cashback: New cardholders will receive a refund competition at the end of the first year from Discover. What’s more, an initial 0% APR for purchases over six months (13.24% to 22.24% variable APR afterward) will give you some room to move. You may decide that you also want one of our other best credit card options for students.
How Can I Choose a Credit Card?
Ultimately, the right credit card is individual for each person and their goals and desires. Decide what features you are looking for: increased rewards, distance payment from a large purchase, construction loan, emergency credit card, or other benefits. From here you can decide what type of card you are looking for. You can use online reviews like CNET to better determine which conditions are best for you.
How do I Qualify for a Credit Card?
The better the benefits, the more jumps you will have to jump to qualify for certain credit cards. Credit cards with attractive reward programs, such as refunds, require better credit than many basic types of credit cards.
If you have a bad or honest credit card, you may be eligible for a credit or secured credit card. If you have good to very good credit, you can easily get any credit card you want. But if you’re not in the right class, you can always work to improve your credit so you have a better chance of approval.
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