FinanceBuzz's

Best Credit Cards of 2019

Looking for the perfect credit card? Whether you are looking for travel cards, cash back cards, or small business credit cards, we have the best offers for this month.

Best Travel Cards

Chase Sapphire Preferred

Special Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Benefits

  • 60,000 point sign-up bonus
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits
  • No foreign transaction fees
Credit Needed: Good - Excellent

The Platinum Card from American Express

Special Offer

Earn 60,000 Membership Rewards points after sending $5,000 in the first 3 months

Benefits

  • 60,000 Membership Rewards points welcome offer
  • 5X points on eligible flights and hotels
  • $15 in Uber cash for U.S. rides each month (plus a bonus $20 in December) and $200 airline fee credit each year
  • Access to Centurion and Priority Pass airport lounges
  • Terms apply
Credit Needed: Good - Excellent

Chase Sapphire Reserve

Special Offer

Earn 50,000 points after spending $4,000 on purchases in the first 3 months

Benefits

  • 50,000 point sign-up bonus
  • 3X on travel after earning your $300 travel credit
  • 3X points at restaurants
  • Access to Priority Pass airport lounges
Credit Needed: Excellent

Marriott Bonvoy Boundless Credit Card

Special Offer

Earn 75,000 bonus points after spending $3,000 in the first 3 months

Benefits

  • 75,000 point sign-up offer
  • 6X points at participating Marriott Bonvoy hotels
  • One free night each year
  • No foreign transaction fee
Credit Needed: Good - Excellent

Capital One Venture Rewards Credit Card

Special Offer

Earn 50,000 bonus miles after spending $3,000 in the first 3 months

Benefits

  • 50,000 bonus miles welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees
Credit Needed: Excellent

Capital One VentureOne Rewards Credit Card

Special Offer

Earn 20,000 bonus miles after spending $1,000 in the first 3 months

Benefits

  • 20,000 bonus miles welcome bonus
  • 0% Introductory APR on purchases for 12 months
  • 1.25X miles on every purchase, every day
  • No foreign transaction fees
  • No annual fee
Credit Needed: Excellent

American Express Gold Card

Special Offer

Earn 35,000 Membership Rewards points after you make $2,000 in purchases within the first 3 months

Benefits

  • 35,000 Bonus Points welcome offer
  • High rewards rate in certain categories
  • $100 airline fee credit
  • No foreign transaction fee
  • Terms apply
Credit Needed: Good - Excellent

Southwest Rapid Rewards Plus Credit Card

Special Offer

Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months

Benefits

  • 40,000 bonus points sign-up offer
  • 3,000 bonus points after Cardmember anniversary
  • 2X points on Southwest Airlines purchases
  • Redeem points for flights, gift cards, and more
Credit Needed: Good - Excellent

Southwest Rapid Rewards Priority Credit Card

Special Offer

Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months

Benefits

  • 40,000 bonus points sign-up offer
  • 2X points on Southwest Airlines flights
  • 7,500 points every year on anniversary
  • $75 Southwest annual travel credit
  • Four upgraded boardings per year when available
Credit Needed: Good - Excellent

United Explorer Card

Special Offer

Earn up to 40,000 bonus miles after spending $2,000 in the first 3 months

Benefits

  • 40,000 bonus miles sign-up bonus
  • 2X miles on United purchases, at restaurants and hotels
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • Free first checked bag
  • 2 United Club Passes annually
Credit Needed: Good - Excellent

Chase IHG Rewards Club Premier Credit Card

Special Offer

Limited time offer: Earn 125,000 points after spending $3,000 in the first 3 months

Benefits

  • 125,000 bonus points sign-up bonus (limited time offer)
  • 40X points at IHG hotels for the first 12 months, then 25X points.
  • 4X points on all other purchases for the first 12 months, then 2X points at gas stations, grocery stores, and restaurants and 1X points on other purchases
  • Free night every year
  • Fourth reward night free
Credit Needed: Good - Excellent

The World of Hyatt Credit Card

Special Offer

Earn up to 50,000 Bonus Points: 25,000 Bonus Points after you spend $3,000 in the first 3 months, plus an additional 25,000 Bonus Points after you spend a total of $6,000 in the first 6 months

Benefits

  • 50,000 point sign-up bonus
  • 9X points per $1 spent on Hyatt stays
  • 1 free night every year
  • Automatic elite status
Credit Needed: Good - Excellent

Gold Delta SkyMiles Credit Card from American Express

Special Offer

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months and get a $50 credit on your statement after you make a Delta purchase in the first 3 months

Benefits

  • 30,000 bonus miles welcome offer
  • 2X miles on purchases made directly with Delta, 1X mile per $1 spent on all other eligible purchases
  • Check your first bag free on Delta flights
  • Annual fee is waived your first year
  • Terms apply
Credit Needed: Good - Excellent

Hilton Honors American Express Card

Special Offer

Earn 90,000 Hilton Honors Bonus Points after you spend $2,000 in the first 3 months

Benefits

  • 90,000 Hilton Honors Bonus Points welcome offer
  • High rewards rate
  • Complimentary Silver status
  • No foreign transaction fee
  • No annual fee
  • Terms apply
Credit Needed: Good - Excellent

Hilton Honors Surpass Card from American Express

Special Offer

Earn 130,000 Hilton Honors Bonus Points and a Free Weekend Night Reward after spending $4,000 on purchases in the first 4 months

Benefits

  • 130,000 Hilton Honors Bonus Points welcome offer
  • 12X points at participating Hilton hotels and resorts
  • Automatic travel and shopping protection
  • No foreign transaction fee
  • Terms apply
Credit Needed: Good - Excellent

Best Balance Transfer Cards

Chase Freedom Unlimited

Special Offer

Earn 3% cash back on all purchases in the first year (up to $20,000)

Benefits

  • Earn 3% cash back on all purchases (up to $20,000) in the first year
  • 0% Intro APR period on purchases and balance transfers for 15 months
  • No minimum to redeem cash back rewards
  • No annual fee
Credit Needed: Good - Excellent

Chase Freedom Card

Special Offer

$150 cash back bonus after spending $500 in the first 3 months of account opening

Benefits

  • $150 cash back welcome bonus
  • 5% rotating cash back in bonus categories
  • Cash back rewards never expire
  • No annual fee
Credit Needed: Good - Excellent

Best Low Interest Cards

Capital One Venture Rewards Credit Card

Special Offer

Earn 50,000 bonus miles after spending $3,000 in the first 3 months

Benefits

  • 50,000 bonus miles welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees
Credit Needed: Excellent

Capital One Quicksilver Cash Rewards Credit Card

Special Offer

Earn $150 cash back bonus after spending $500 in the first 3 months

Benefits

  • $150 cash bonus welcome offer
  • Unlimited 1.5% cash back on every purchase, every day
  • 0% Intro APR on purchases and transfers for 15 months
  • No foreign transaction fees
Credit Needed: Excellent

Best Cash Back Cards

Chase Freedom Unlimited

Special Offer

Earn 3% cash back on all purchases in the first year (up to $20,000)

Benefits

  • Earn 3% cash back on all purchases (up to $20,000) in the first year
  • 0% Intro APR period on purchases and balance transfers for 15 months
  • No minimum to redeem cash back rewards
  • No annual fee
Credit Needed: Good - Excellent

Capital One Venture Rewards Credit Card

Special Offer

Earn 50,000 bonus miles after spending $3,000 in the first 3 months

Benefits

  • 50,000 bonus miles welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees
Credit Needed: Excellent

Capital One Savor Cash Rewards Credit Card

Special Offer

Earn $300 cash bonus after spending $3,000 in the first 3 months

Benefits

  • $300 cash back welcome offer
  • 4% cash back on dining and entertainment
  • Postmates Unlimited membership through December 2019
  • No foreign transaction fees
Credit Needed: Excellent

Chase Freedom Card

Special Offer

$150 cash back bonus after spending $500 in the first 3 months of account opening

Benefits

  • $150 cash back welcome bonus
  • 5% rotating cash back in bonus categories
  • Cash back rewards never expire
  • No annual fee
Credit Needed: Good - Excellent

Blue Cash Preferred Card from American Express

Special Offer

Earn a $250 statement credit after you spend $1,000 on purchases in the first 3 months

Benefits

  • $250 statement credit welcome offer
  • 6% cash back at U.S. supermarkets on first $6,000 in purchases per year
  • 0% Intro APR on balance transfers and purchases for 12 months
  • 6% cash back on select U.S. streaming services
  • 3% cash back at U.S. gas stations and eligible transit
  • Terms apply
Credit Needed: Good - Excellent

Best Building Credit Cards

Capital One Platinum Credit Card

Benefits

  • Access a higher credit line after making your first 5 monthly payments on time
  • No foreign transaction fees
  • Access to CreditWise for credit profile monitoring
  • No annual fee
Credit Needed: Poor - Bad - Fair

Capital One Secured Mastercard

Benefits

  • $200 initial credit line after making minimum security deposit
  • Access to higher credit line after making first 5 monthly payments on time
  • No annual fee
  • Pick your monthly due date
Credit Needed: Poor - Bad

Best Business Cards

Chase Ink Business Preferred Credit Card

Special Offer

Earn 80,000 bonus points after spending $5,000 in the first 3 months

Benefits

  • 80,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost
Credit Needed: Good - Excellent

Chase Ink Business Cash Credit Card

Special Offer

Earn $500 bonus cash back after spending $3,000 in the first 3 months

Benefits

  • $500 cash back sign-up bonus
  • 5% cash back on first $25,000 annually
  • 0% Intro APR on purchases for 12 months
  • Free employee cards
  • No annual fee
Credit Needed: Good - Excellent

Chase Ink Business Unlimited Credit Card

Special Offer

$500 bonus cash back after spending $3,000 in the first 3 months

Benefits

  • $500 cash back sign-up offer
  • Unlimited 1.5% cash back on all spending
  • 0% APR for 12 months on purchases
  • No annual fee
Credit Needed: Good - Excellent

United Explorer Business Card

Special Offer

Limited time offer: Earn up to 100,000 bonus miles. Earn 50,000 bonus miles when you spend $5,000 on purchases within the first 3 months, plus earn an additional 50,000 miles after you spend $25,000 on purchases in the first 6 months

Benefits

  • Up to 100,000 point sign-up bonus (limited time offer)
  • 2X miles per $1 spent at restaurants, gas stations, office supply stores, and United purchases
  • Free first checked bag
  • No foreign transaction fees
  • No blackout dates
Credit Needed: Good - Excellent

Southwest Rapid Rewards Premier Business Credit Card

Special Offer

Earn 60,000 bonus points after spending $3,000 on purchases in the first 3 months

Benefits

  • 60,000 point sign-up bonus
  • 6,000 points every year on Cardmember anniversary
  • 2X points on Southwest purchases
  • Free employee cards
  • No foreign transaction fees
Credit Needed: Good - Excellent

The Business Platinum Card from American Express

Special Offer

Earn up to 75,000 Membership Rewards points: 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on qualifying purchases within the first 3 months from account opening

Benefits

  • Up to 75,000 point welcome offer
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on eligible purchases over $5,000
  • Up to $200 statement credit per year on one qualifying airline
  • Terms apply
Credit Needed: Good - Excellent

Marriott Bonvoy Business American Express Card

Special Offer

Earn 75,000 Marriott Bonvoy Points when you spend $3,000 on purchases within the first 3 months

Benefits

  • 75,000 Bonvoy points welcome offer
  • 6X points at participating Marriott Bonvoy hotels
  • 4X points at U.S. restaurants and U.S. gas stations
  • Free Night Award every year after your Card account anniversary
Credit Needed: Good - Excellent

American Express Business Gold Card

Special Offer

Limited time offer: Earn up to $500 back in the form of statement credits when you purchase qualifying services with FedEx within the first 3 months. Ends 11/06/2019.

Benefits

  • $500 back on Fed Ex purchases (limited time offer)
  • 4X Membership Rewards points in selected categories
  • Complimentary year of G Suite Basic and ZipRecruiter
  • No foreign transaction fees
  • Terms apply
Credit Needed: Good - Excellent

Platinum Delta SkyMiles Business Credit Card from American Express

Special Offer

Earn 35,000 bonus miles and 5,000 MQMs after making $1,000 in purchases within first 3 months. Also earn a $100 statement credit after you make a Delta purchase in the first 3 months

Benefits

  • 35,000 bonus miles welcome offer
  • 2X miles on eligible Delta purchases
  • Annual companion certificates
  • No foreign transaction fees
  • Terms apply
Credit Needed: Good - Excellent

Gold Delta SkyMiles Business Credit Card from American Express

Special Offer

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months and get a $50 credit on your statement after you make a Delta purchase in the first 3 months

Benefits

  • 30,000 bonus miles welcome offer
  • 2X miles on eligible purchases with Delta
  • First checked bag free
  • No foreign transaction fees
  • Terms apply
Credit Needed: Good - Excellent

The Blue Business Plus Credit Card from American Express

Special Offer

0% introductory APR on purchases and balance transfers for 12 months

Benefits

  • 0% Introductory APR on purchases and balance transfers for 12 months
  • 2X Membership Rewards Points on first $50,000 each year
  • Global Assist hotline
  • No annual fee
  • Terms apply
Credit Needed: Good - Excellent

Capital One Spark Miles for Business

Special Offer

Earn 50,000 miles after spending $4,500 in the first 3 months.

Benefits

  • 50,000 bonus miles welcome offer
  • Unlimited 2X miles on every purchase, every day
  • Free employee cards
  • No foreign transaction fees
Credit Needed: Excellent

Capital One Spark Cash for Business

Special Offer

One-time $500 cash bonus after spending $4,500 in the first 3 months

Benefits

  • $500 cash welcome bonus
  • 2% unlimited cash back
  • Free employee cards
  • No foreign transaction fee
Credit Needed: Excellent

Hilton Honors American Express Business Card

Special Offer

Earn 125,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months

Benefits

  • 125,000 Hilton Honors Bonus Points welcome offer
  • 12X Hilton Honors Bonus Points on eligible Hilton purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees
  • Terms apply
Credit Needed: Good - Excellent