Is there the best credit card in the world? Of course not. Every person has to choose the one that suits their financial goals and lifestyle. There is no one-size-fits-all credit card and each of them has its own perks and benefits.
Depending on your current financial situation and what you want to receive from the best credit card for points, here is a list of the top-rates cards and overall advantages of using them. Read carefully and select the most suitable option.
Best Credit Card Deals for Good Credit
When borrowers search for the best personal loans they look through professional reviews in order to select the right option. The same goes with credit cards. If your credit score is good enough, the Chase Sapphire Preferred card can be the top option for you.
If you spend $4,000 within the first three months, you can receive 60,000 bonus points. Later the cardholder will be able to get 2 points for each dollar they spend on travel. The annual fee is $95 and the average APR varies from 18.24% to 25.24%.
Best Qantas Credit Card
St.George Credit Card is probably the best credit card for Qantas points. You can get 60,000 bonus Qantas points together with 0.5 points for every $1 spent. The annual fee is $99 and the cash advance rate is 21.49%. A pleasant fact is that you can use this card for free for a period of 55 days.
The Best Frequent Flyer Credit Card
Gold Delta SkyMiles Credit card is one of the best cards for those who fly frequently and want to earn Miles. Once you spend $1,000 within the first three months you will get 30,000 Miles and $50 of cashback.
Later on, the cardholder will receive 2 miles for each dollar spent. More than that, this card will allow receiving Main Cabin 1 priority boarding with no fee for the first checked bag. The annual fee for this card is $95.
Best Rewards Credit Card
Capital One Savor Rewards Credit Card is the top-rated and the best rewards credit card Australia. Once you spend $3,000 on any purchases during the period of first three months, you will receive $300 in cash bonus.
Later one, the cardholder will get 2% cash back on groceries, 4% back on entertainment and dining, and 1% cash back on various other purchases. Pay attention that you are required to have a good or excellent credit score in order to qualify for this card. The annual fee is $95.
Best Balance Transfer Credit Card
US Bank Visa Platinum is the best credit card Australia with a long promotional period and 0% APR. The cardholder can enjoy the free balance transfers during 8 billing cycles. If you pay the mobile phone bill with this card, you can receive $1,200 in your phone protection. There are no other perks besides this one. But it’s great that there is no annual fee at all.
Benefits of Using a Credit Card
If you are a business owner, you probably need to look for the best business loans to support your business and let it grow. But if you are a common user who wants to get some perks while having a credit card, then these tips will help you select the best travel credit card for any purpose.
There are many advantages to getting a card. First of all, there are many rewards programs of the above-mentioned cards that help to opt for the right one depending on your needs and goals. You don’t need to overspend as it’s easy to receive bonus points for the purchases.
Some cards have no annual fee and fewer perks while others require a certain annual fee but provide even more rewards and bonus points in various categories. Some credit cards provide sign up bonuses as well while others give you extra Miles if you are a frequent flyer. All in all, the credit card can help you build and improve your credit score over time so it’s a great option for people with fair or bad credit.
To sum up, there is a variety of cards available these days. Choose the best credit card deals Australia to suit your personal financial needs and aims. Pay attention to the interest rate and the annual fee together with the card benefits in order to understand the real cost of having it. It’s one of the best ways to rebuild your credit score if it’s low or get cashback rewards and other perks.