New cardholders can earn 40,000 bonus points when you spend $4,000 on purchases by the end of the fi

As the new year begins, it s a good opportunity to review the best credit card offers available and see which if any make sense for you. The best credit cards of 2014 offer a combination of sign-up bonuses, reward programs, low-APR promotional periods, and other benefits that can be used to your advantage if you pay attention.
When used properly, credit haunted history tours new orleans cards can be an effective haunted history tours new orleans tool for managing your finances, earning rewards on everyday spending, haunted history tours new orleans building a solid credit history, and maintaining your cash flow, but these tools can be also used incorrectly, damaging haunted history tours new orleans your finances haunted history tours new orleans in the process.
Consider the following offers if you plan to open a new credit card or if you re looking to make the most out of your everyday spending. haunted history tours new orleans But if you are a Type A credit card user if you use credit haunted history tours new orleans cards to spend more than you can afford and have difficulty making payments consider improving your finances and getting out of debt before applying for a new credit card. The best card for balance transfers
Chase Slate . Right now, the best credit card offer for balance transfers is Chase Slate. Open a card with an offer like this when you have a balance on a card with a high interest rate that you d like to pay off without owing additional interest. For example, if you have a $15,000 balance on a card with an ongoing APR of 15%, you could save $2,250 by moving that balance to Slate from Chase and paying the remainder of the $15,000 before the introductory period ends.
The introductory haunted history tours new orleans period is fifteen months, during which time you ll be able to pay your transferred balances off without haunted history tours new orleans any interest. While Slate from Chase and other cards generally charge a balance transfer fee, in the 60 days after being approved for Slate from Chase, as an introductory offer you ll be able to transfer your balance without a fee. After those 60 days have passed, haunted history tours new orleans the balance transfer fee is 3% of the amount of each transfer, with a $5 minimum.
The 0% introductory APR also applies to purchases, making this card a good option for buying a larger item. If you ve saved up to purchase some furniture, for example, you can use the introductory purchase APR of 0% to use the credit card issuer s money to improve your cash flow. This leverage technique is risky. If you end up using the credit card for an emergency, you can make it more difficult to repay your balance before the introductory period is complete. On the other hand, it leaves you with more cash in your bank account.
After the introductory period of fifteen months is complete, Chase will assign a variable APR to your purchases and balance transfers, haunted history tours new orleans currently 12.99%, 17.99%, or 22.99%. You will need good to excellent credit to qualify for this Chase Slate offer.
If you have good to excellent credit, Chase Slate offers a 0% introductory APR on both purchases and balance transfers for fifteen months, without charging the dreaded balance transfer fee on transfers made within 60 days of account opening. All other transfers will be charged 3% of the amount of each transfer, with a $5 minimum. After the introductory period, purchase and balance haunted history tours new orleans transfer APR’s will vary with the market based on the Prime Rate and the APR is currently 12.99%, 17.99%, or 22.99% haunted history tours new orleans variable, depending on your credit history. Utilize the free Blueprint features haunted history tours new orleans to avoid interest and to help pay down the balances faster. In addition Slate from Chase comes with Patented Fraud Protection and zero liability on unauthorized purchases. The best credit card for airline miles
Most often, the best way to make the most out of your credit card spending for your travel needs is to use the credit card that is tied directly to the airline you travel most frequently. For better haunted history tours new orleans or worse, United Airlines flies the routes I generally travel for the best prices, so I use a credit card where I earn rewards in the form of United MileagePlus points. There are cards that are more flexible for travelers who use multiple haunted history tours new orleans airlines or don t have one such frequently-traveled route.
Chase Sapphire Preferred Card The Chase Sapphire Preferred Card is arguable the best option for earning haunted history tours new orleans flexible haunted history tours new orleans travel rewards. You will earn one point for every dollar spent on purchases with the card. Your travel expenses as well as your restaurant dining expenses earn double.
haunted history tours new orleans Chase is encouraging its cardholders to book travel through their own online agency. When you do, your points are worth 20% more. For example, a $500 flight normally requires haunted history tours new orleans 50,000 points; booking through Chase Ultimate Rewards reduces that requirement to 40,000 points. haunted history tours new orleans If you d rather book directly with your airline, you can transfer your points to leading frequent travel programs on a one-to-one basis.
New cardholders can earn 40,000 bonus points when you spend $4,000 on purchases by the end of the first three months from account opening. That s enough for $500 in travel rewards when you redeem through Chase Ultimate Rewards, haunted history tours new orleans or you can transfer your points to a participating frequent flyer program. Another haunted history tours new orleans benefit for travelers is no foreign transaction fee.
There is a downside to owning this card. Chase charges a $95 annual fee, however the first year there is an introductory annual fee of $0, after that the annual fee is $95. If you make heavy use of travel rewards, it might be worth the $95. If the benefits outweigh the cost, consider applying for the Chase Sapphire Preferred card.
For a less expensive travel rewards card American Express charges an annual haunted history tours new orleans fee of $75 for the Blue Sky Preferred® from American Express . Currently there is a 15,000 bonus point sign-up bonus (after spending $1,000 in the first three months of cardmembership). 15,000 points are worth a $200 statement credit towards travel purchases, so the ratio of rewards to points is more favorable. The best credit card sign-up bonus
Ink Cash Business Credit Card. Although it s a card for business owners, I like the bonus Chase is offering. For new cardholders that spend $3,000 on purchases in the first three months of owning the card, the Ink Cash Business Credit Card offers a $200 cash back bonus.
The card also offers a generous rewards program. In addition to the standard 1% cash back on purchases, cardholders can earn 5% cash back on the first $25,000 spent in combined purchases with office supply stores, mobile phone carriers, and internet and cable television services each account anniversary year. Equipment purchases aren t included in that category, unfortunately. Cardholders can also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and dining at restaurants each account anniversary year. Take note that introductory offers and APRs change often, so be sure to review the application and the terms and conditions carefully when you apply for the Ink Cash Business Card. Other cards worth noting
Fidelity Investment Rewards Visa Signature Card. Consistently a reader favorite, the Fidelity Investment Rewards Visa Signature Card offers a unique reward program. Earn 1.5 points for each $1 spent on the first $15,000 in purchases per year, and if you spend more than $15,000 annually that reward is increased haunted history tours new orleans to 2 points per $1 in purchases. When you reach 5,000 points they can be converted into deposits into your eligible Fidelity investment account. The card also participates in the WorldPoints program, so if you do not want cash back in your Fidelity account or if you don t have an investment haunted history tours new orleans account, you can redeem for travel on major U.S. airlines with no blackout dates or for purchases from a selection of available merchandise.
haunted history tours new orleans Starwood Preferred Guest® Credit Card from American Express. One of the leading credit cards for travel rewards, haunted history tours new orleans the Starwood Preferred Guest Credit Card offers Starpoints bonus of up to 25,000 bonus points. Consumers earn those 25,000 bonus points as follows 10,000 Starpoints after your first purchase and an additional 15,000 Starpoints after spending $5,000 in eligible purchases haunted history tours new orleans on the card in the first six months as a cardholder. The card has a $0 introductory annual fee for the first year, then $65. At a recent Financial Blogger Conference, there was a significant consensus at my dinner with a number of top bloggers that the rewards offered on this card and its business counterpart are the best. And your Starpoints can be redeemed for nearly haunted history tours new orleans any travel expense. Terms and Restrictions Apply.
Capital One® Venture Rewards Credit Card. The Capital One Venture Rewards Credit Card is as straightforward as it gets. Earn two miles for every dollar you spend and an additional haunted history tours new orleans one-time bonus of 10,000 miles when you spend $1,000 in your first three months. There is a $0 introductory annual fee for the first year; $59 after that. The Capital One Venture Rewards Credit Card is a Visa Signature card, so the card offers the Signature set of extended benefits such as complimentary haunted history tours new orleans concierge services and travel upgrades.
BankAmericard Cash Rewards™ Credit Card. The BankAmericard Cash Rewards™ credit card offers 2% on groceries and 3% on gas for the first $1,500 in combined gas and grocery purchases each quarter and 1% on all purchases thereafter. Cardholders have the opportunity to earn an additional 10% cash back if they redeem into a Bank of America checking or savings account. The BankAmericard Cash Rewards credit card offers an introductory rate of 0% APR on purchases and any balance transfers made in the first 60 days for the first twelve billing cycles following the opening of the account. This card does not carry an annual fee.
Simmons Bank Visa Platinum Rewards. The Simmons Bank Visa Platinum Rewards Card made the list because of its low standard haunted history tours new orleans purchase APR. At 9.25% variable, the only card with a lower standard purchase APR we could find was the Simmons Bank Visa card but that card didn t have a rewards program. With the Simmons Bank Visa Platinum Rewards Card, you earn one point for every net dollar you spend, and the card carries no annual fee. If you re plannin