What Are the Top 10 Credit Cards Starting with 4?

When it comes to credit cards, there are countless options on the market. However, not all credit cards are created equal, and it can be overwhelming to try and sort through all the different perks, rewards, and fees. To make things a bit easier, we've compiled a list of the top 10credit cards starting with 4.

1. Chase Freedom Unlimited: This card offers a generous cashback program, with 1.5% back on all purchases. There's no annual fee, and new cardholders can earn a $200 bonus after spending $500 in the first three months.

2. Capital One Quicksilver Cash Rewards: Similar to the Chase Freedom Unlimited, this card offers 1.5% cashback on all purchases. However, it also comes with a $150 bonus after spending $500 in the first three months.

3. Citi Double Cash: This card offers 2% cashback on all purchases – 1% when you make the purchase, and another 1% when you pay it off. There's no annual fee, and it's a great option for those who want a simple, straightforward rewards program.

4. Discover it Cash Back: This card offers 5% cashback on rotating categories (such as gas stations, grocery stores, or restaurants) and 1% on all other purchases. There's no annual fee, and new cardholders can earn a dollar-for-dollar match of all cashback earned in the first year.

5. Bank of America Cash Rewards: This card offers 3% cashback on a category of your choice (such as gas, online shopping, or dining) and 2% on grocery store and wholesale club purchases. There's no annual fee, and new cardholders can earn a $200 cash rewards bonus after spending $1,000 in the first 90 days.

6. Blue Cash Preferred Card from American Express: This card offers 6% cashback on up to $6,000 spent annually at U.S. supermarkets (then 1%), 6% on select U.S. streaming services, 3% on transit and gas, and 1% on all other purchases. There is a $95 annual fee, but for those who spend a lot on groceries and streaming services, the rewards may outweigh the fee.

7. Wells Fargo Propel American Express: This card offers 3x points on eating out, ordering in, gas, rideshares, transit, flights, hotels, and popular streaming services, as well as 1x points on all other purchases. There's no annual fee, and new cardholders can earn a 20,000-point bonus after spending $1,000 in the first three months.

8. Amazon Prime Rewards Visa Signature: This card offers 5% back on all Amazon and Whole Foods purchases for Prime members, as well as 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. There's no annual fee, but a Prime membership is required.

9. Target RedCard: This card offers 5% off all Target purchases, as well as free shipping and extended returns. There's no annual fee, but it can only be used at Target stores and on Target.com.

10. Apple Card: This card offers 3% cashback on all purchases made directly with Apple (such as at the Apple Store or for Apple services), 2% on all purchases made with Apple Pay, and 1% on all other purchases. There's no annual fee, and the card is designed to be used primarily with Apple devices.

Tips for Applying for and Using Credit Cards:

It's important to remember that credit cards should be used responsibly. Here are a few tips to keep in mind when applying for and using credit cards:

1. Check your credit score before applying. Your credit score will have an impact on whether or not you're approved for a card, as well as what kind of interest rates and rewards you may be offered.

2. Read the fine print. Make sure you understand the card's fees, interest rates, and rewards program before applying.

3. Pay your balance in full each month. This will help you avoid accruing interest and racking up debt.

4. Keep track of your spending. It's easy to overspend when using a credit card, so make sure you're keeping track of your purchases and staying within your budget.

5. Don't apply for too many cards at once. This can damage your credit score and make it harder to get approved for future credit.

In conclusion, credit cards can be a useful tool for earning rewards and building credit, but it's important to choose a card that fits your spending habits and to use it responsibly. By doing your research, understanding the terms and conditions, and staying on top of your spending, you can make the most of your credit card and avoid any potential pitfalls.