You may try not to use your credit cards unless it’s absolutely necessary. But credit cards do serve a purpose. They can help you build a credit history. They’re universally accepted. And, if you choose the right one, you may get some great rewards. 

Of course, trying to find the right card for you can be overwhelming. It seems like every major credit card company has some fantastic deals. If you’re looking for a new card and wondering what some of the best credit cards out there offer, here are some of the top cards you can consider and their major features.

• Wells Fargo Propel American Express Card:
  • No annual fee
  • 3x points on eating out or ordering in
  • 3x points on travel (includes flights, hotels, car rentals, and homestays)
  • 3x points on gas stations, rideshares, and other transit
  • 3x points on certain streaming services
  • 1x points on all other purchases
  • If you spend $3000 within the first 3 months, you earn 30,000 bonus points
  • No foreign currency conversion fees
• Chase Sapphire Preferred Card:
  • Annual fee $95
  • 2x points on travel and dining – worldwide
  • 1x points per dollar on all other purchases you make
  • If you spend $4000 within the first 3 months, you earn 60,000 bonus points
  • Points can be transferred to certain frequent flyer programs
  • Great card for travelers
• Capital One Quicksilver Cash Rewards Credit Card:
  • No annual fee
  • Earn 1.5% cashback on every purchase
  • If you spend $500 within the first 3 months, you receive a one-time cash bonus of $150
  • Your cashback doesn’t expire
  • 0% APR on purchases for the first 15 months
  • No foreign transaction fees
• Capital One Venture Rewards Credit Card
  • Annual fee $95 – waived the first year
  • 10x miles on certain hotels
  • 2x miles on every purchase, every day
  • If you spend $3000 within the first 3 months, you receive a one-time 50,000 miles bonus
  • If you apply for Global Entry or TSA Pre-Check, you can receive a credit up to $100
  • Miles may be transferred to several frequent flyer programs
  • No foreign transaction fees
  • Greta card for travelers
• Capital One VentureOne Rewards Credit Card:
  • No annual fee
  • 10x miles on certain hotels
  • 1.25x miles on every purchase, every day
  • Spend $1000 within the first 3 months, you earn a one-time bonus of 20,000 miles
  • Miles can be transferred to many travel loyalty programs
  • 0% APR on purchases for the first 12 months
  • No blackout dates
  • Miles will never expire
• Citi Simplicity Card:
  • No annual fee
  • No cash back, no miles, no points
  • 0% intro APR on purchases for 12 months from account opening
  • 0$ intro APR on balance transfers for 21 months from the date of first transfer – you must complete all transfers within 4 months – after 21 months the APR will be determined based on your creditworthiness
  • They do charge a balance transfer fee of $5 or 5% of the amount of each transfer (whichever is greater)
• Ink Business Unlimited Credit Card (Chase):
  • No annual fee
  • 1.5% cashback on every purchase made for your business
  • Spend $3000 within the first 3 months and earn a $500 cash bonus
  • 0% intro APR for the first 12 months
• Wells Fargo Platinum Card:
  • No annual fee
  • If you use your credit card to pay your cell phone bill, you can get up to $600 protection on your cell phone ($25 deductible) – covers damage or theft
  • 0% APR for 18 months

Whether you need a credit card with lots of bells and whistles, one to help you with your travel plans, or even a simple one that can help you with your business, there are plenty of cards to choose from. Assess the benefits that work for you and then select a credit card that offers those things.