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Best Credit Cards for 2015

With so many different types of credit cards on the market to choose from, it can get a bit tough when trying to narrow the card best suited for you. Here at The Finance Tip, we have composed a list of credit cards with highlights of their benefits, rewards and rates. So that you can make a more informed decision when choosing the card of your best suited to your interest. Please visit our CREDIT FAQ section if you have any common questions related to credit cards.

Best Credit Cards for 2015 - Categories

Best Low Interest Card Best Low APR% Card Best Cash Back Card Best Travel Card
Best Student Card Best Card for Average Credit

Low Interest Card


chasefreedom_big

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Chase Freedom


  • $0 Introductory balance transfer fee for transfers made during the first 60 days

  • 0% Introductory APR for 15 months on purchases and balance transfers

  • Free Monthly FICO® Score and Credit Dashboard

  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply

  • $0 Annual Fee


  • Chase Freedom - Fees and APR
    Annual Fee: $0.
    Purchase APR: 0% Intro APR for 15 months then 12.99% - 22.99% variable, depending on creditworthiness.
    Balance Transfer APR: 0% Intro APR for 15 months then 12.99% - 22.99% variable, depending on creditworthiness.
    Balance Transfer Fee: $0 balance transfer fee during the first 60 days your account is open. After the first 60 days the balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

    Best Low APR% Card

    citi_diamond_preferred

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    Citi Diamond Preferred



  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*

  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.

  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.

  • Let our 24/7 concierge service help book your hotel rooms, flights and more.

  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.

  • No annual fee.*



  • Citi Diamond Preferred - Fees and APR
    Annual Fee: $0.
    0% Intro APR: 0% Intro APR for 15 months then 12.99% - 22.99% variable, depending on creditworthiness.
    Purchase APR: 12.24% - 22.24% variable (Tier 1: 12.24%, Tier 2: 15.24%, Tier 3: 18.24%, Tier 4: 20.24%, Tier 5: 22.24%), depending on credit history.
    Balance Transfer: 0% APR for 21 months, then Purchase APR. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

    Best Cash Back Card

    amex_bluecash_preferred

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    Blue Cash Preferred® Card from American Express



  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit

  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.

  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases (then 1%), 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.

  • With the Blue Cash Preferred® Card, you can start earning cash back. No rotating reward categories. No enrollment required.

  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.

  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.

  • Terms and limitations apply

  • Blue Cash Preferred® Card from American Express
    $75 annual fee.
    0% Intro APR: 0% APR introductory rate for 15 months on purchases and balance transfers, then purchase APR.
    Purchase APR: 13.24% - 22.24% Variable, depending on credit history.
    Balance Transfer APR: 0% intro APR for 15 months on balance transfers, then 13.24% - 22.24% Variable, depending on credit history.
    Balance Transfer Fee: Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.
    Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
    Late Payment Fee: Up to $37.
    Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
    APR for Cash Advances: 25.49%
    Penalty APR: 29.49%
    Returned Payment Fee:Up to $37

    Best Travel Card

    barclaycard_arrival_world_mc_plus

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    Barclaycard Arrival Plus™ World Elite Mastercard®



  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit.

  • Earn 2X miles on all purchases

  • Get 5% miles back to use toward your next redemption, every time you redeem.

  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad.

  • No foreign transaction fees on anything you buy while in another country.

  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24% or 20.24%, depending on your creditworthiness.

  • Complimentary online FICO® Credit Score access for Barclaycard Arrival card members.


  • Rewards



  • Earn 2X miles on all purchases.

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit.

  • Get 5% miles back to use toward your next redemption every time you redeem.


  • Redeem Rewards



  • Redeem miles for travel, statement credits, gift cards or merchandise.

  • Redeem your miles by booking your flight and redeeming miles for a statement credit. Or redeem your miles for a statement credits toward cruises, car rentals, hotels and more.

  • Minimum redemption amount is 5,000 miles.

  • Barclaycard Arrival Plus™ World Elite Mastercard® - Fees and APR
    Annual Fee: $89 - Waived first year.
    No foreign transaction fees.
    Purchase APR: 16.24% or 20.24%* Variable APR, depending on credit history.
    Balance Transfer APR: 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening, then Purchase APR. Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.


    Best Student Card

    discover_it_student

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    Discover it® for Students- Good Grades Rewards



  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.

  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.

  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years

  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR

  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.

  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service

  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%

  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.


  • Rewards



  • Double all the cash back you've earned at the end of your first year automatically — only for new cardmembers

  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years

  • Earn 5% cash back on up to $1,500 in purchases within select categories that rotate quarterly

  • Earn 1% cash back on all other purchases, with no limit on how much you can earn

  • Earn 5% to 20% Cashback Bonus through exclusive online shopping mall


  • Redeem Rewards



  • Rewards are redeemable in any amount at any time

  • Deposit into your bank account or credit your Discover card account.

  • Turn your cash rewards into more when you redeem for gift cards or eCertificates from over 100 brand-name Partners.

  • Barclaycard Arrival Plus™ World Elite Mastercard® - Fees and APR
    Annual Fee: $0
    Foreign Transaction Fee: None.
    0% Intro Purchase APR: 0% APR for the first 6 months, then Purchase APR.
    Purchase APR: 13.24% - 22.24% Variable*, depending on creditworthiness.
    Balance Transfers: 10.99% Intro APR for 6 months, then Purchase APR. Balance transfer fee is 3% of the amount of each transfer.

    Best Card For Average Credit

    barclaycard_rewards_average

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    Barclaycard® Rewards Mastercard®



  • 2X points on purchases for gas, groceries and utilities, and 1X points on all other purchases.

  • No annual fee

  • Points don't expire as long as account is open, active and in good standing.

  • No limits on the number of points you can earn or redeem.

  • Starting at 1,000 points for $10, points can be redeemed for statement credits and gift cards.

  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad.

  • $0 Fraud Liability on unauthorized charges.


  • Rewards



  • Earn 2 points per $1 on purchases for gas, groceries and utilities.

  • Earn 1 point per $1 everywhere else.

  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.


  • Redeem Rewards



  • Use your points like cash to pay for any purchase you've made with the Barclaycard Rewards Mastercard.

  • After you redeem your points to pay for a purchase, a statement credit will appear on your account within one billing cycle


  • Barclaycard® Rewards Mastercard® - Fees and APR
    Annual Fee: $0
    Purchase APR: 25.24%* Variable APR.
    Balance Transfer Fee: Either 3% of balance transfer amount or $5, whichever is greater.


    financetip
    Kim Lee is a UNLV graduate with a degree in Biotechnology. He has natural attraction toward technology, with a passion of servicing and helping people. Finance has always been his main interest and hobby, as he likes to dwell into small business and investing ventures. He writes and shares what he learns on the way, while he tackles on a life as an entrepreneur.

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