What are the Top Credit Cards of 2018?

As an expert in English credit cards, I am delighted to provide you with a detailed answer based on the question of "What are the top credit cards of 2018?" In this article, I will share with you a comprehensive and professional analysis of thebest credit cardsof 2018, along with some tips on how toapply for credit cards, save money, avoid risks and recommended credit card companies.

Top Credit Cards of 2018

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular credit card that offers a sign-up bonus of 50,000 points after you spend $4,000 on purchases in the first three months from account opening. It also offers 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases. The annual fee is $95, which is waived for the first year.

2. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great choice for frequent travelers because it offers 2x miles per dollar spent on all purchases and has no foreign transaction fees. It also offers a sign-up bonus of 50,000 miles after you spend $3,000 on purchases in the first three months from account opening. The annual fee is $95, which is waived for the first year.

3. American Express Gold Card

The American Express Gold Card is a premium rewards credit card that offers 4x points per dollar spent at U.S. supermarkets (up to $25,000 per year), 4x points per dollar spent at restaurants worldwide, and 3x points per dollar spent on flights booked directly with airlines or on amextravel.com. It also offers a sign-up bonus of 35,000 points after you spend $2,000 on purchases in the first three months from account opening. The annual fee is $250.

4. Citi Double Cash Card

The Citi Double Cash Card is a cashback credit card that offers 1% cashback on all purchases and an additional 1% cashback when you pay off those purchases. It has no annual fee, no limits on the amount of cashback you can earn, and a 0% intro APR on balance transfers for 18 months.

5. Discover it Cash Back

The Discover it Cash Back card is a popular cashback credit card that offers 5% cashback on rotating categories each quarter (up to $1,500 in purchases) and 1% cashback on all other purchases. It also offers a sign-up bonus where Discover will match all the cashback you've earned at the end of your first year. It has no annual fee and a 0% intro APR on purchases and balance transfers for 14 months.

Applying for Credit Cards

When applying for credit cards, it's important to consider your credit score, credit history, and financial situation. Make sure you meet the requirements of the credit card company and have a good understanding of the benefits and fees associated with the card. You can also compare different credit cards and their features online to find the best one that suits your needs.

Saving Money with Credit Cards

You can save money with credit cards by taking advantage of rewards, cashback, and other benefits. Make sure you pay off your balance in full each month to avoid interest charges and late fees. You can also use credit cards to pay for big purchases and take advantage of 0% intro APR offers to avoid interest charges.

Avoiding Risks with Credit Cards

To avoid risks with credit cards, make sure you protect your personal information, monitor your transactions regularly, and report any suspicious activity to your credit card company immediately. You should also avoid overspending and carrying a high balance on your credit cards, as this can negatively impact your credit score and lead to financial trouble.

Recommended Credit Card Companies

Some of thetop credit card companiesinclude Chase, Capital One, American Express, Citi, and Discover. These companies offer a wide range of credit cards with different features and benefits. You can compare different credit cards and their terms online to find the best one that suits your needs.

In conclusion, the top credit cards of 2018 offer great rewards, cashback, and other benefits for consumers. When applying for credit cards, make sure you consider your credit score, financial situation, and the benefits and fees associated with the card. You can also save money and avoid risks with credit cards by using them responsibly and monitoring your transactions regularly.