Top credit cards for optimizers - Cardratings.com

Top credit cards for optimizers

Brooklyn Lowery
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Brooklyn Lowery
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  1. Top card for cash-back rewards
  2. Top travel rewards card
  3. Top balance transfer card
  4. Top card for groceries
  5. Top credit card for restaurants
  6. Top card for gas
  7. Top business credit card
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

You’re well on your way to making credit cards an integral part of your personal finances.

You’ve indicated that you have a solid record of responsible money management and at least some experience with credit cards. Now it’s time to think about optimizing the credit cards you have to truly make them work FOR you. That means:

  • Maximizing your rewards by strategically using different cards tailored to each purchase.
  • Taking advantage of fine-print perks various credit cards offer, so those cards do more than just earn you rewards.
  • Referring a friend or partner for a card your already have in order to earn a referral bonus.
  • And more!

Remember, before you apply for any card, make sure you understand the ins and outs of that specific card. You also need a firm grasp of your own budget, credit score and lifestyle… but you already knew that. You’re an Optimizer, after all.

Top card for cash-back rewards

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Freedom Unlimited

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 ➤  SEE MORE:Best cash-back credit cards

Top travel rewards card

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Chase Sapphire Preferred

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 ➤  SEE MORE:Best travel rewards credit cards

Top balance transfer card

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Citi Double Cash Card

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Top card for groceries

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AmEx Gold

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Top credit card for restaurants

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SavorOne

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 ➤  SEE MORE:Best credit cards for dining out

Top card for gas

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Citi Premier

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Top business credit card

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Ink Business Cash

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 ➤  SEE MORE:Best business credit cards

Whatever you choose to do next in terms of applying for a new card, just keep learning! The world of credit cards, card rewards and card benefits is vast. There’s much to learn and many benefits to reap.

See Rates and Fees for the American Express® Gold Card

author
Brooklyn Lowery
Editor & Credit Card Expert

A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance...Read more

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Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.