With dozens of credit card options available online and at the banks, it is no easy task to pick one. The best card is distinguished by how much debt the user has, how and where it’s spent, travel habits, and many other things. There are some solid relevant reasons involved in choosing one.

With the busy lifestyle, to analyze a valid fee, ongoing APRs, promotional offers, sign up bonuses, redemption rates, and policy is again another big task.

Capital One by Venture
Capital One by Venture is one of the best flat-rate travel rewards. Once the user spends $3,000 on shopping within 3 months from account opening, they can enjoy the one-time bonus of 40,000 miles. That is similar to spending $400 on travel. The other attraction is that there are no foreign transaction fees, and on every purchase, one can earn 2X miles. The annual fee for the first year is $0 and later it is $59. The user can redeem points for the travel purchased through Capital One or purchase the eraser tool to redeem the miles for a statement credit. Capital One makes it convenient to book tickets for your travel plans as well ensures a smooth redemption process. However, the only disadvantage is the annual fee, in a manner of speaking. However, comparing it to the other high earning travel cards, the annual fees are much lower. If you’re a less spender, Capital One Venture One Rewards Credit Card offers lower reward rate as well as a lower sign up bonus.

Citi Double Cash Card
Citi Double Cash Card lets you earn flat rate cash back while you purchase and pay it off. Earn 1% cash back on every purchase. The card is perfect for flat-rate cash back with its introductory of 0% APR on balance shift for 18 months and continuous APR of 14.49–24.49%. It has $0 annual fee. The drawbacks could be that when most popular cash back cards offer to sign up bonus, the Citi Double Cash Card doesn’t offer one. The 18-month offer is one of its kind, the ongoing cash reward rate is a rare gem to hold with, and its extra reward earnings have no limit on how much one can earn them.

Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express is ideal for everyday spending. The user gets to earn 6% cash back on purchase from a supermarket or purchase of gift cards from the cafe, restaurant, or movie theater. Even if you pay off a large purchase, it’s fine, because the card users can enjoy 0% APR for 12 months. Later, an ongoing, variable APR of 13.99–24.99% is applicable. On a purchase of $1000 on a new credit card within the first three months, there is a need for $150 statement credit. On the Blue Cash Card from American Express, the annual fee is $0. The Blue Cash Preferred Card gives high reward rates and catchy deals, such as if the user fills the car’s tank at a traditional gas station and shops from a supermarket. It works well for everyday use as well.

Citi Simplicity Card
The Citi Simplicity Card has one of the longest APR periods of 0% for 21 months on a purchase and balance transfer. Later, the ongoing APR of 14.49–24.49% variable is applicable. The card also gives users free access to FICO score, has a $0 annual fee, and no penalty rate as well. It works simply great for business makers. What can more than Citi Simplicity Card bestow? To talk about the disadvantages, the Citi Simplicity Card’s the balance transfer fee is around 3% for the balance of $5. However, as there is no late fee, even if the user makes it has a late payment, he/she does not have to pay any penalty and APR makes it a good alternative. However, late payments harm the credit history.

Capital One QuicksilverOne
Capital One QuicksilverOne is a credit card for those with average usages. Acquire a generous 1.5% cashback along with every purchase unlimited. The ongoing variable APR is approximately 24.99% and an annual fee $39 is levied. The access to higher credit line depends upon the first five monthly payments (regularity). The drawback of the Capital One QuicksilverOne cash reward credit card is that the annual fee of $39 isn’t that less when one considers the reward rate as well. If the user is able to pay off each month their credits on time, the Capital One QuicksiverOne Cash Rewards is a great instrument to strengthening your economic history with better offers down on the road.

The more comprehensive the card, the more value-added are its offers for the cardholders. However, credit card amounts might vary according to one’s credit score and credit history and certain benefits depend upon the cardholder’s banking transaction history.