我们点痴迷人员使用的信用卡过多每天的基础上。 If anyone on our team wouldn't recommend an offer to a friend or family member, we wouldn't recommend it on the The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
赚取高达10万英里的奖励里程和20000资格尊爵迈尔斯（MQMs）。 Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
*红利价值是估计值由TPG和不发卡计算。 View our latest valuations这里。
主要优点：这种旅行信用卡提供60000点你花后$ 4,000的头三个月，这是值得根据TPG的估值$ 1 200人。 The $95 annual fee is isn’t waived the first year, but the potential value of this card makes it more than worth it. The Chase Sapphire Preferred earns 2x points on travel and dining; 1x on everything else. For premium rewards redemptions, you’ll find points are typically most valuable when transferred to one of Chase’s excellent 10 airline and three hotel partners. Alternatively, points can be worth 1.25 cents each toward travel and activities booked through the Chase Ultimate Rewards Travel Portal, where you can find money-saving options for budget travel and economy flights.
为什么它是最好的信用卡为固定费率的奖励：有没有那么得到巨大的价值很多卡片都直接赎回和转移给合作伙伴，但Capital One公司创业奖励信用卡拉它关闭。 You can use Capital One miles to offset nearly any travel purchase you make, or transfer them to any of Capital One’s airline partners, making the miles you’ll earn with this card infinitely flexible. And because you’re earning a flat 2x on every purchase, you know you’re getting value no matter the spending category.
主要优点：该 Capital One Venture earns 2 miles per dollar on all purchases, and since you can redeem Capital One miles as a statement credit against any travel purchase at a rate of 1 cent per mile, you’ll easily earn 2% back in rewards on everything you buy with the card. But the Capital One Venture also has ability to亚慱yabo欧洲足球锦标赛-其英里转移到15家不同的航空公司和两家酒店。 This includes two of United’s Star Alliance partners: Singapore Airlines and Avianca LifeMiles, as well as Delta partner Air France/KLM and even JetBlue if you’re flying domestically. These partners let you truly maximize Capital One miles, opening up valuable premium cabin redemptions for a fraction of the cash price. Best of all, the $95 annual fee is waived the first year, so you can try out the card for free and see if it fits your lifestyle.
为什么它是最好的信用卡业务为：该墨商务首选是我们最喜欢的信用卡业务，因为它可以很容易地从你每月定期的业务开支赚了不少加分。 Thanks to a generous 3 points per dollar in some of the most common business categories, your business will be swimming in rewards just from using the card every day.
主要优点：随着80000点注册奖金，只有$ 95的年费，你不会找到很多卡片更有价值得到您的企业比墨水商务首选。亚博国际最新app Based on TPG’s valuations that peg the value of大通终极奖励在2美分每股，那些80000点是值得的自由行程高达$ 1,600个，当你通过转移到大通的利润丰厚的航空公司和酒店合作伙伴赎回。 The card also features cell phone protection coverage that extends to any employee phones as well when you pay for the phone bill using the card (which also earns 3 points per dollar).
为什么它是最好的信用卡旅行津贴：它并不便宜，但没有信用卡提供了更好的总价值超过了美国运通白金，尤其是对于经常旅行。 From airport lounge access to annual credits, a free ShopRunner subscription and even行程保护如旅行中断和行程延迟覆盖面，它是最全面的完整的信用卡之一。
主要优点：如果您正在寻找旅游津贴，你会发现他们在美国运通白金。 First, you’ll get 5 points per dollar spent on airfare booked directly via an airline, as well as both airlines and prepaid hotels booked via Amex Travel. Next, the card provides access to three different airport lounge networks, including the extremely popular Centurion Lounges, Delta Sky Clubs when you’re flying Delta and over 1,200 Priority Pass lounges worldwide. You’ll also get an up to $200 annual airline fee credit that can be used to offset the cost of fees that airlines charge for services ranging from seat assignment fees to checked bags and bringing pets on board. On top of that, you’ll get up to $200 in annual Uber credits, which can be used either for ride-hailing or on UberEats when you’re hungry. And finally, the Amex Platinum even provides $100 in annual credit at Saks Fifth Avenue, so you can look your best when you’re traveling. Add it all together and you’re getting at least $500 in credits alone each year from the Amex Platinum, which nearly offsets the card’s entire annual fee.
为什么它是最好的信用卡定期三角洲传单：随着全新设计的三角洲飞凡里程白金美国运通卡，您将获得两个三角洲购买奖励里程和范围的日常消费类的。 The card also offers elite-like perks and opportunities to earn Medallion Qualification Miles (MQMs) and a Medallion Qualification Dollar (MQD) waiver when you hit certain spending thresholds. This means you can rack up miles for award flights and hit status faster while still enjoying a few elite-like perks.
主要优点：眼下，达飞凡里程常客白金美国运通卡是提供一个了优秀的欢迎奖金100000英里- 当你的第一个帐户周年纪念日后花费$ 3,000的前三个月和另一20000英里80000点。 You’ll earn 3x on Delta and hotel stays, 2x on restaurants and U.S. supermarkets and 1x on everything else. The card also comes with a number of perks: Global Entry/TSA PreCheck fee credit (every four years for Global Entry, every 4.5 years for TSA PreCheck), an annual companion certificate, first checked bag free, priority boarding and 20% inflight savings on food and beverages. For those hoping to hit Medallion elite status faster, you can earn 10,000 MQMs after you spend $25,000 in a calendar year and another 10,000 MQMs after you spend $50,000 in a calendar year.
为什么它是最好的信用卡旅行：所有购买旅游收入每美元3点，使大通蓝宝石储备信用卡中的首选，当涉及到购买几乎任何与旅行相关的。 Even better, a wide range of purchases are considered “travel” — everything from airlines, hotels, car rentals and cruises to taxis, subways, buses, parking and more.
主要优点：无论你是在本地或国际旅行，你应该能够找到你的钱包的大通蓝宝石储备的地方。 The card starts with a $300 travel credit every year, which is automatically applied to any符合条件的旅游采购，使得它非常容易使用和抵消的$ 550年费的三分之二了蝙蝠的权利。 In addition to bonus points on travel purchases, the card also earns 3 points per dollar on all dining purchases, including delivery services such as Seamless, Grubhub and UberEats. And road warriors can use the card to access over 1,200 Priority Pass airport lounges and restaurants and get away from the hustle and bustle of the terminal, along with having numerous travel protections such as trip delay coverage and primary rental car insurance.
为什么它是最好的信用卡休闲三角洲传单：三角洲飞凡里程黄金美国运通卡配备了一个坚实的收益率（与最近扩大了奖励类别）和少数精英，像一个温和的$ 99年费的好处（见利率和费用）。 That’s a perfect balance for Delta flyers who travel enough to want a cobranded card that offers benefits, but who don’t travel frequently enough to warrant a higher annual fee airline card.
主要优点：所有的达美联合品牌美国运通卡，现在正在提供限时受欢迎的奖金，以及三角洲飞凡里程常客黄金美国运通也不例外。 You’ll earn up to 70,000 miles — 60,000 after spending $2,000 in the first three months and an additional 10,000 after your first card anniversary. For a manageable $99 annual fee (waived for the first year), you’ll get 2x miles on Delta purchases, restaurants and U.S. supermarkets, plus elite-like perks like priority boarding, inflight savings and your first checked bag free. This card did discontinue to benefits — discounted Sky Club access and the ability to earn an MQD waiver through spending. But for those who spend $10,000 per year on the card, you will now earn a $100 Delta flight credit.
为什么它是最好的信用卡为TSA预检：此卡提供TSA预检申请费信用卡的好处，这是只用$ 95年费卡体面少见。 At first glance, the Bank of America Premium Rewards card looks like a solid if not spectacular choice for everyday spending. But when combined with the bank’s Preferred Rewards elite program, the card takes off, becoming one of the best choices on the market. Top elites earn as much as 2.625% back on everyday purchases and 3.5% in select categories, beating most top cash-back cards available today.
主要优点：标准的注册奖金50000点之后$ 3,000支出的前90天，你有卡相当于价值$ 500，这是一个很好的开始。 Then you’ll also get up to $100 in airline fee credits each year, completely negating the card’s $95 annual fee and making the card equivalent to a no-annual-fee card if you use the credit. Even without Bank of America Preferred Rewards status, you’ll earn 2 points for every dollar you spend on travel and dining purchases and 1.5 points for all other purchases. But if you can score top-tier Platinum Honors status, those earning rates jump to 3.5 points per dollar on travel and dining, and 2.625 points per dollar on all other purchases. Top it all off with a $100 credit toward the application fee for Global Entry or TSA PreCheck and no foreign transaction fees, and the美国首选的银行奖励成为卡值得考虑。
为什么它是最好的信用卡天空俱乐部访问：三角洲飞凡里程储备美国运通卡是唯一的三角洲消费卡，以提供免费天空俱乐部会员资格。 And now, you’ll also get two one-time guest passes with the card as well. If you want a card that will get you into Delta’s airport lounges around the globe, this the card for you.
主要优点：虽然卡的确有最近增加了$ 550年费，精英三角洲传单会得到很多了三角洲飞凡里程储备美国运通的。 On top of the Sky Club access benefits, you’ll earn 3x on Delta purchases, 15,000 MQMs for every $30,000 in card spending each calendar year (up to 60,000 MQMs per year) and have the ability to earn an MQD waiver for up to Platinum status by spending $25,000 in a calendar year. This means you can potentially earn金章状态（与状态相关联的所有福利），而上一三角洲飞行永远踩着脚下。 The card also recently added Centurion Lounge access when flying Delta, complimentary upgrades for non-Medallions and a Global Entry/TSA PreCheck fee credit. Of course, this card is also offering a limited-time welcome bonus: earn 80,000和20000个MQMs你第一张卡片周年日后花后$ 5,000的前三个月和附加20000英里。 If you are a frequent traveler who is loyal to Delta, there isn’t a better cobranded consumer card out there.
为什么它是最好的信用卡为全球餐饮：如果你外出吃饭，定期，你不会找到一个更强大的信用卡比亚博国际最新app亚博足彩竞技怎么体现-美国运通金。 With 4 points per dollar at all restaurants worldwide and up to $120 in dining credits each and every year, the Amex Gold is designed specifically to maximize dining purchases and should be in every foodie’s purse or wallet.
主要优点：美国运通黄金有你全线覆盖，当涉及到食品，无论你是在吃饭或外出就餐。 Not only does the card earn 4 points per dollar at restaurants, but you’ll get that same 4 points per dollar at U.S. supermarkets, up to $25,000 in purchases per year (then 1 point per dollar). On top of that, you’ll also earn 3 points per dollar on all flights purchased directly with airlines or via Amex Travel, plus the card comes with an up to $100 annual airline fee credit that can be used for flight expenses such as checked baggage, seat upgrades and much more. Add that $100 airline credit together with the card’s up to$ 120餐饮礼券，你就几乎抵消了整个年费每年通过学分孤单。
为什么它是最好的信用卡现金回馈：大通自由无限是最好的现金返还卡周围，因为它的低成本和灵活性的一个。 With no annual fee, you’re still earning bonus rewards on every purchase, no matter the category. But you can also easily pair the card with others in the大通阵容最大限度地发挥其价值。
主要优点：你会赚取每一个购买1.5％的现金返还，而不必担心限制奖金的类别。 However, if you also have an Ultimate Rewards card like the Chase Sapphire Preferred or Ink Business Unlimited, those basic points can be transformed into Ultimate Rewards points. You’ll then be able to redeem them at a higher rate through the Chase travel portal or transfer them to hotel and airline partners. Finally, new cardholders will receive a $150 bonus after spending $500 in the first three months. Whether you’re looking for a one-and-done credit card to handle all of your spending or a no-fee card to pair with your existing lineup, the Chase Freedom Unlimited is the card for you.
为什么它是最好的信用卡酒店如果你住在希尔顿酒店一年的时间，即使少数，你会得到了希尔顿荣誉美国运通的强大的价值超越卡。 The card earns a whopping 12 points per dollar on eligible purchases at Hilton properties and offers complimentary Hilton Gold elite status, which means you’ll get complimentary breakfast, increased earnings and space-available upgrades just from having the card.
主要优点：如果现在申请，你可以在你的头三个月卡会员的花费后，$ 2,000购买获得125000点。 Those 125,000 points are worth $750 based on TPG’s most recent point valuations. The card can also be useful when you’re not on the road, earning not only 12 points per dollar at participating Hilton properties but also 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations, and 3 points per dollar on all other purchases. In addition, you’ll get 10 Priority Pass visits per year with the card, and if you’re a big spender, putting $15,000 on purchases on your card in a calendar year will earn you a complimentary weekend night reward on top of it all.
信用卡提供一种方便的方式来支付，同时建立信用，并赢得奖励购买。 There are hundreds of credit cards available, each with its own advantages and disadvantages. For instance, you might find a card with a strong平衡转让报价但没有报酬，或伟大的旅行卡有一个年费。 The key is to understand your individual needs and what cards you can qualify for based on your credit profile, then pick the best credit card that meets those requirements.
有许多的因素你选择合适的信用卡时要考虑的。 The top three to keep in mind are as follows:
信用卡可供人们提供了广泛的信用状况，从那些具有优良的信用评分到正在重建自己的信用卡或从头开始乡亲。 There are credit cards you may be eligible for even if you don’t have a top-notch credit profile, but you should know before applying which cards you’re most likely able to get. That way you won’t waste time and a hard inquiry trying to get a card you won’t get approved for. While this means you might not be able to get a溢价信用卡没有强大的信用状况，可以将其他卡和负责任地使用它们，你可以建立你的信用评分随着时间的推移，提高的可能性，你最终有资格获得极顶牌。
大多数信用卡最大的好处是你根据你的消费奖励挣多少钱。 This means it’s important to pay attention to each card’s bonus categories, which are the types of purchases that earn extra rewards. Some of the most popular bonus earning categories include亚博体育官网手机版-旅行和用餐购买，但也有许多其他的收入类别，从杂货到娱乐，甚至健身俱乐部会员资格流媒体服务。 When choosing a credit card, you’ll want to match the card that best rewards your personal spending patterns so you can maximize how many bonus rewards you earn on a regular basis.
信用卡是臭名昭著的高利率，所以这是至关重要的，你要么避免由每月每足额您的账单，或选择带有卡支付所有的利息低利率。 However, when it comes to fees, the calculation is a bit different, as it can sometimes make sense to pay an annual fee — even a substantial one — if the benefits you get from the card are worth the cost. When choosing the right card for you, you’ll want to calculate how much value you think you’ll get from the card and then compare that amount to the card’s annual fee. If you’re getting more in value than it’s costing you, then the card may be a good choice for you. You’ll also want to consider other fees that might apply to using the card, such as whether it charges国外交易费当你使用它的国际交易。
信用卡公司提供的不同类型的卡，以满足不同消费者的需求。 Some people put a lot of money on their cards every month and then pay them off immediately — those people benefit from a card that returns a portion of their spending in the form of rewards. Others tend to carry a balance from month to month — they’re better served with a card that offers a low ongoing interest rate. Still others are努力提高自己的信用- 发行人专为那些人卡了。
如果你感兴趣的常客里程，酒店点或零售商的回扣程序，奖励信用卡可能是你的权利。奖励信用卡提供可累积和兑换免费商品，服务或旅游专属积分或里程。 In some cases, the rewards earned from certain credit cards can be转移到各种其他程序的- 这些被称为灵活的奖励。 The upside of rewards credit cards is that in some cases, you can leverage the points or miles to get more value from them than you would from cash. The downside is you must redeem the rewards within the loyalty system they were issued from.
没有什么比冰冷坚硬的现金更强大的亚博国际最新app是，如果你只是在你的口袋里找的钱，你可能会想现金返还信用卡。 With a cash back card, you’ll earn a percentage rebate on every purchase (i.e.: 1%, 2%, 2.5%) that adds up to cash in your account. Most cash back cards provide the ability to redeem your earned cash back as either a statement credit against other charges on your card, as a check or direct deposit into your bank account, or in some cases for gift cards or at retail partners when making purchases.
尽管你可以经常从信用卡获得足够的价值以抵消年费它的收费，有些人从来没有要交年费的卡。 For those folks, there are plenty of没有年费的信用卡目前市场上的选择。 While you won’t find the top-end benefits, perks and earning rates of cards with annual fees on a free credit card, there are definitely worthwhile options that can earn you plenty of rewards or cash back.
为了确保您能够获得最大什么信用卡能为你做什么，你应该花时间每12个月来分析你的整体财政状况，并确定如果您当前的信用卡服务您的需求。 If you aren’t earning bonus rewards in the categories you spend in most often, or if you don’t have the travel benefits you need, or if you’re paying a high annual fee but aren’t taking advantage of the card’s features, it may be时间来获得新的信用卡能更好地满足您的要求。 Keep in mind that circumstances change over time, and a credit card that was previously right for you may no longer be a good fit. With so many options on the market, there’s no reason to have the wrong credit card in your purse or wallet.
你坐下之前下来并填写信用卡申请表，确保你知道你的个人信用评分（记住所有的三大信用局来检查你的分数），以及哪些功能要在一张信用卡最多和最好的选择 on the market with those features. Also, it’s important to know the应用程序限制并针对问题卡，你要申请的具体金融机构的规则。 You want to make sure you’re eligible for the card based on the issuer’s restrictions so you don’t waste time and a hard credit inquiry on a card you won’t be able to get.
有数十家金融机构发行信用卡，国际银行当地信用社。 If you prefer individual attention and a one-on-one relationship with your issuer, you might want to look for a neighborhood bank that can offer you that level of attention. On the other hand, the largest issuers tend to be able to offer the most generous perks thanks to being able to leverage their size. So, if your focus is on the最好的收益率和收益，你可能更喜欢应用与最大的发行商提供的最强大的信用卡资产组合。 These issuers include Chase, American Express, Citi, Capital One, Barclays, Bank of America and Wells Fargo.
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