What are the Top Credit Card Offers in 2015?

As an expert in the field of credit cards, I am happy to provide a detailed answer to the question of what the top credit card offers are in 2015. After researching and analyzing various options, I have identified the following as some of the best credit card offers available this year.

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular choice among frequent travelers due to its generousrewards program. Cardholders earn 2x points on travel and dining purchases and 1x point on all other purchases, with the ability to transfer points to a variety of travel partners. The card also offers a sign-up bonus of 60,000 points after spending $4,000 on purchases within the first three months.

2. Citi Double Cash Card

The Citi Double Cash Card is a great option for those looking for a simple, straightforward rewards program. Cardholders earn 2% cash back on all purchases - 1% when they buy and another 1% when they pay their bill. There are no caps or categories to worry about, making this card a good choice for everyday spending.

3. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is another good option for travelers, offering 2x miles on all purchases. Miles can be redeemed for travel expenses or transferred to several partner programs. The card also comes with a sign-up bonus of 50,000 miles after spending $3,000 on purchases within the first three months.

4. Discover it Cash Back Card

The Discover it Cash Back Card is a popular choice for those looking to maximize their rewards in specific categories. Cardholders earn 5% cash back on rotating categories (such as gas stations, grocery stores, or restaurants) and 1% cash back on all other purchases. Discover also matches all cash back earned in the first year, making this card especially lucrative for new cardholders.

5. American Express Platinum Card

The American Express Platinum Card is a premium card with a high annual fee, but it offers a host of benefits for frequent travelers. Cardholders receive access to airport lounges, travel credits, and a variety of other perks. The card also earns 5x points on flights booked directly with airlines or through American Express Travel, as well as on prepaid hotels booked on amextravel.com.

Applying for a credit card can be a daunting process, but there are a few things to keep in mind to increase your chances of approval. First, make sure your credit score is in good shape - most of the top credit cards require a score of at least 700. Second, avoid applying for too many cards at once, as this can negatively impact your credit score. Finally, be sure to read the terms and conditions carefully, including any fees and interest rates, to avoid any surprises down the line.

To save money with a credit card, consider taking advantage of rewards programs andcash back offers. However, it's important to avoid carrying a balance on your card, as interest charges can quickly negate any rewards earned. Additionally, be sure to pay your bill on time and in full each month to avoid late fees and damage to your credit score.

Finally, it's important to be aware of any potential risks or fees associated with credit cards. Annual fees can add up quickly, so make sure you understand what you're getting in return for any fees charged. Additionally, be wary of high interest rates and balance transfer fees, which can make it difficult to pay off your balance. By doing your research and understanding the terms and conditions of your card, you can make the most of your credit card and avoid any unnecessary fees or risks.