• One of the best arguments against using credit cards is people who use them spend more on average than those who use cash.
• With disciplined and with a well-thought-out a financial budget, you should put all your discretionary and non-discretionary expenses on one credit card.

One of the best arguments against using credit cards, even the best credit cards 2019, is people who use them spend more on average than those who use cash.  Higher credit card debt combined with ridiculously high-interest rate can get credit card users into financial troubles fast.  However, those two reasons mentioned above are not strong enough for you to cut credit cards out your economic sphere altogether. Matter of fact, with disciplined and with a well-thought-out a financial budget, you should put all your discretionary and non-discretionary expenses on one credit card.  Below are the best credit cards 2019 to apply for:

CAPITAL ONE QUICKSILVER CAR

Annual Fee. No Annual Fee

Signup Bonus. Earn a one-time $150 cash bonus 

Cash Back Details. Unlimited 1.5% Cash Back on every purchase, every day

Transparency. 0% introductory APR for the first 15 months that your account is open.  After that, your APR will be 15.24%, 21.24% or 25.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Credit.  You need “good” credit to get approved-https://www.capitalone.com/credit-cards/quicksilver/

BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS

Annual Fee.  No Annual Fee

Signup Bonus. Earn a one-time $200 cash bonus

Cash Back Details.  3% cashback at supermarkets, 2% on Gas Stations, and 1%  on other purchases

Transparency.  0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%.  After you spend $1,000 in purchases on your new Card in your first three months of Card Membership. You will receive the $200 back in the form of a statement credit.

Credit. You need “Excellent” to get approved-https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/ 

CHASE SAPPHIRE PREFERRED

Annual Fee. $0 Introductory Annual Fee the first year, then $95

Signup Bonus. Earn a one-time 50K Bonus Points

Cash Back Details. After you spend $4,000 on purchases in the first three months from account opening.*Same Page link to Offer Details That’s $625 toward travel when redeemed through Chase Ultimate Rewards®.

Transparency. 0% intro APR for 12 months from account opening on purchases and balance transfers. Same page link to Pricing and Terms After that, 18.24%–25.24% variable APR. Same page link to Pricing and Terms Balance transfer fee is 3% of the amount transferred with a minimum of $5.

Credit. You need “Excellent Credit to get approved- https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred 

The Capital One Savor

Annual Fee. $0 Introductory Annual Fee the first year, then $95

Signup Bonus. One-Time $500 cash bonus after you spend $3,000 on purchases within three months of opening your account.

Cash Back Details.  Unlimited 4% cashback on dining and entertainment; 2% back at grocery stores; and 1% back on all other purchases.

Transparency.  The regular APR is 16.74% to 25.74%, based on your creditworthiness.

Credit. You need” Excellent” credit to get approved- https://www.capitalone.com/credit-cards/savor-dining-rewards/ 

CHASE INK BUSINESS PREFERRED

Annual Fee. $0 Introductory Annual Fee the first year, then $95

Signup Bonus. Earn 80,000 bonus points for your business after you spend $5,000 on purchases in the first three months after opening your card.

Bonus Points Details.  earn three points per dollar on the first $150,000 spending in specific business categories each year

Transparency.  18.24% to 23.24%, based on your creditworthiness. This APRs will vary with the market based on the Prime Rate.

Credit.  You need “Excellent” credit to get approved– https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred 

VENTURE® FROM CAPITAL ONE

Annual Fee. $0 Introductory Annual Fee the first year, then $95

Signup Bonus.  50,000 Bonus Miles

Bonus Points Details.  Earn 50,000 bonus miles once you spend $3,000 on purchases within the first three months from account opening

Transparency.  15.24%, 21.74% or 25.24%, based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.

Credit. You need “ Excellent, Good” credit to get approved- https://www.capitalone.com/credit-cards/venture/       

CITI SIMPLICITY® CARD

Annual Fee.  No Annual Fee

Signup Bonus.  Has no cash signup bonus, but it has a long  0% introductory APR for 21 months from date of first transfer.  All transfers must be completed in the first four months.

Bonus Points Details.

Transparency.   The introductory rate of 0% for 12 months from date of account opening on purchases and an initial price of 0% for 21 months from date of first transfer for balance transfers. Balance transfers must be completed within four months of account opening. After each introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. The standard variable APR for purchases and cash advances is 16.24% – 26.24%, based on your creditworthiness. Pl

Credit.  You need “ Excellent, Good” credit to get approved- https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-simplicity-credit-card 

THE DISCOVER IT CASHBACK 

Annual Fee.  No annual fee.

Signup Bonus.  Has no cash or points signup bonus, but you can earn as much as 5% cashback at different places.

Cash Back Details.  Earn 5% cashback at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cashback on all other purchases – automatically.

Transparency.  0% intro APR for 14 months from date of account opening. After the intro APR expires, your APR will be 14.24% to 25.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Credit.  You need to have “good” credit to get approved– https://www.discover.com/credit-cards/cash-back/it-card.html 

BARCLAYCARD ARRIVAL+

Annual Fee. $89.00

Signup Bonus. Earn 70,000 bonus miles

Bonus Miles Details.  Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days – that’s enough to redeem for a $700 travel statement credit toward a qualifying travel purchase

Transparency. 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 18.24%, 22.24% or 25.24%, depending on your creditworthiness. There is a fee for balance transfers.

Credit. You will need “ Excellent, Good” credit to get approved https://cards.barclaycardus.com/banking/cards/barclaycard-arrival-plus-world-elite-mastercard

CHASE FREEDOM® CARD

Annual Fee.  No Annual Fee

Signup Bonus.  Earn a one-time $150 cash bonus

Bonus Points Details.  EARN 5% CASHBACK on up to $1,500 in combined purchases in bonus categories each quarter you activate.  EARN 1% UNLIMITED CASHBACK on all other purchases

Transparency.  0% Intro APR for 15 months from account opening on balance transfers.† After the intro period, a variable APR of 17.24% – 25.99%.† The balance transfer fee is 3% of the amount transferred with a minimum of $5. 

Credit.  You need “ Excellent, Good” credit to get approved- https://creditcards.chase.com/cash-back-credit-cards/chase-freedom.