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

Why We Like It

The Chase Sapphire Preferred is an excellent choice for anyone who loves to travel and dine out. Easily redeem your points through the Chase Ultimate Rewards Portal for 25% more value. 

Other perks include primary rental car insurance, trip delay reimbursement, purchase protection, and more.

Earn 2X points per dollar spent on travel and at restaurants worldwide and 1 point per $1 on all other eligible purchases. 


Credit Needed: Good - Excellent

The Platinum Card from American Express

Special Offer

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

Why We Like It

The Platinum Card from American Express is a top-rated premium rewards charge card for those looking for generous travel benefits and luxury add-ons. 

Cardmembers can enjoy Uber VIP status and free rides in the U.S. (up to $200 per year), access to Centurion and Priority Pass airport lounges,  reimbursement for Global Entry or TSA PreCheck, and more. 

Earn 5X points on eligible flight and hotel purchases and 1 point per $1 on all other eligible purchases. 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

Why We Like It

The Chase Sapphire Reserve is top-rated credit card for frequent travelers who can take advantage of its generous travel benefits and high point-earning potential. 

Card benefits include a $300 annual travel credit, primary rental car insurance, Priority Pass lounge access, reimbursement for TSA PreCheck or Global Entry, and more. 

Earn 3X points on travel, and at restaurants & 1 point per $1 spent on everything else. Cardmembers receive 50% more value when redeeming rewards for travel through the Chase Ultimate Rewards portal. For example, 50,000 points are worth $750 toward travel.

Credit Needed: Excellent

Marriott Bonvoy Boundless Credit Card

Special Offer

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

Why We Like It

The Marriott Bonvoy Boundless Card offers generous rewards and complimentary Silver Elite status for travelers who enjoy staying at Marriott Bonvoy properties.

Cardholders receive 1 Free Night Award annually (up to 35,000 Marriott Bonvoy points) plus 15 Elite Night Credits each calendar year.

Earn 6X Bonvoy points per $1 at over participating Marriott Bonvoy hotels and 2X points on all other eligible purchases.

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

Why We Like It

The Capital One Venture Rewards is one of the most flexible credit cards when it comes to redeeming miles for travelers.

Cardmembers will enjoy up to $100 credit for Global Entry or TSA PreCheck fees, automatic travel accident insurance, and no foreign transaction fees.

Earn unlimited 2X miles on every purchase, every day and 10X points on hotel bookings with Hotels.com through January 2020. 

Credit Needed: Good - Excellent

American Express Gold Card

Special Offer

Earn 35,000 Membership Rewards points after you make $4,000 in purchases within the first 3 months

Why We Like It

The American Express Gold Card is a top-rated premium rewards card with high rewards rates in popular categories.

Earn 4X Membership Rewards points at restaurants worldwide and U.S. supermarkets (up to $25,000 per year, then earn 1X points) and 3X points on flights booked directly with airlines or on amextravel.com. 

Plus, annually you can enjoy an up to $100 airline fee credit and up to $120 dining credit. 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

Why We Like It

The Southwest Rapid Rewards Plus Credit Card is a valuable card for Southwest flyers who want to redeem Rapid Rewards for Southwest award flights.

Cardholders can enjoy earning unlimited points that never expire on flights with no blackout dates.

Earn 2X points on Southwest Airlines purchases, 1X points for every $1 spent on all other purchases, and 3,000 bonus points after each account anniversary.

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

Why We Like It

The Southwest Rapid Rewards Priority Credit Card is a favorite for travelers who want to earn points towards flights with Southwest.

Cardmembers receive an annual $75 Southwest travel credit, 4 upgraded boardings each year when available, and 20% back on inflight drinks and WiFi.

Earn 2X points per $1 spent on Southwest and Rapid Rewards eligible purchases and 1X points on all other purchases.

Credit Needed: Good - Excellent

United Explorer Card

Special Offer

Earn up to 65,000 bonus miles: 40,000 bonus miles after spending $2,000 in the first 3 months and an additional 25,000 bonus miles after spending $10,000 total in the first 6 months

Why We Like It

The United Explorer Card is a great option for travelers who frequently fly on United. 

Cardmembers will enjoy a free first checked bag, up to a $100 credit towards Global Entry or TSA PreCheck fees, 25% back on United inflight purchases, no blackout dates, and more.

Earn 2X miles at restaurants, hotel accommodations booked directly with the hotel, and eligible United purchases and 1X miles on everything else.

Credit Needed: Good - Excellent

IHG Rewards Club Traveler Credit Card

Special Offer

Earn 60,000 points after spending $2,000 in the first 3 months

Why We Like It

The IHG Rewards Club Traveler Card is a great option for those who like to stay with IHG brands like Holiday Inn, Kimpton, and Intercontinental.

Frequent travelers can take advantage of the fourth night free reward and 15X points at IHG hotels.

Plus, earn 2x points at gas stations, grocery stores, and restaurants and 1x on everything else.

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

Why We Like It

The World of Hyatt Credit Card is ideal for travelers who prefer to stay at Hyatt properties while away from home.

Cardmembers will receive automatic elite status, can reserve nights starting at 5,000 points, enjoy one free night every year, and can earn an additional free night when spending $15,000 during the card anniversary year.

Earn 9X points per $1 spent at Hyatt hotels, 2X points per $1 spent on eligible travel, dining, and health purchases, and 1X points per $1 spent on everything else.

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

Why We Like It

The Gold Delta SkyMiles Credit Card from American Express is a solid travel rewards card for Delta flyers. Cardmembers enjoy benefits such as priority boarding and first checked bag free on Delta flights.

Earn 2X miles per dollar spent directly on purchases with Delta, and 1X mile per dollar spent on all other eligible purchases. Terms apply.

Credit Needed: Good - Excellent

Best Balance Transfer Cards

Chase Freedom Unlimited

Special Offer

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

Why We Like It

The Chase Freedom Unlimited is a top cash back credit card offering generous cash back rewards on every purchase with no annual fee. 

The simple rewards structure - unlimited 1.5% cash back on all purchases - is great for anyone looking to earn cash back without a fuss. Plus, cardholders can take advantage of 0% intro APR for 15 months on purchases and balance transfers.


Credit Needed: Good - Excellent

Chase Freedom Card

Special Offer

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

Why We Like It

The Chase Freedom offers a generous sign-up bonus and some of the highest cash back rates available today — all with no annual fee. Cardholders can earn 5% back in rotating bonus categories each quarter you activate and 1% back on everything else. 

It also offers a 0% introductory APR for 15 months, making it a great option for balance transfers.

Credit Needed: Good - Excellent

Capital One® Quicksilver® Cash Rewards Credit Card

Special Offer

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

Why We Like It

The Capital One Quicksilver Cash Rewards Credit Card is a smart, no-frills rewards card with no annual fee for everyone who wants to earn cashback rewards. 

Cardholders enjoy 0% APR for the first 15 months on purchases and balance transfers. Plus, earn 1.5% unlimited cashback rewards that never expire on every purchase, every day. 

Credit Needed: Excellent

Best Cash Back Cards

Chase Freedom Unlimited

Special Offer

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

Why We Like It

The Chase Freedom Unlimited is a top cash back credit card offering generous cash back rewards on every purchase with no annual fee. 

The simple rewards structure - unlimited 1.5% cash back on all purchases - is great for anyone looking to earn cash back without a fuss. Plus, cardholders can take advantage of 0% intro APR for 15 months on purchases and balance transfers.


Credit Needed: Good - Excellent

Capital One® Quicksilver® Cash Rewards Credit Card

Special Offer

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

Why We Like It

The Capital One Quicksilver Cash Rewards Credit Card is a smart, no-frills rewards card with no annual fee for everyone who wants to earn cashback rewards. 

Cardholders enjoy 0% APR for the first 15 months on purchases and balance transfers. Plus, earn 1.5% unlimited cashback rewards that never expire on every purchase, every day. 

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

Why We Like It

The Capital One Savor Cash Rewards Credit Card is a flexible cash back card for everyone with generous benefits and access to premium experiences in dining, entertainment, and more.

For a limited time, cardholders can enjoy Postmates Unlimited membership via statement credit through December 2019, extended warranties on purchases, and travel accident insurance.

Earn 8% cash back on tickets at Vivid Seats through May 2020, 4% unlimited cash back on dining and entertainment, 2% at grocery stores, and 1% cash back on all other purchases.

Credit Needed: Excellent

Chase Freedom Card

Special Offer

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

Why We Like It

The Chase Freedom offers a generous sign-up bonus and some of the highest cash back rates available today — all with no annual fee. Cardholders can earn 5% back in rotating bonus categories each quarter you activate and 1% back on everything else. 

It also offers a 0% introductory APR for 15 months, making it a great option for balance transfers.

Credit Needed: Good - Excellent

Blue Cash Preferred Card from American Express

Special Offer

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

Why We Like It

The Blue Cash Preferred Card from American Express is a highly rated cash back rewards card, especially for those who tend to spend more at supermarkets.

Cardholders will benefit from a 0% introductory APR for 12 months on purchases and balance transfers.

Earn up to 6% cash back at U.S. supermarkets and U.S. streaming services (up to $6,000 per year, then 1% after that), 3% cash back at U.S. gas stations and on eligible ground transportation such as bus, train, ferry, and more, and 1% cash back on all other purchases. Terms apply.

Credit Needed: Good - Excellent

Citi Double Cash Card

Special Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers a 0% introductory APR for balance transfers and no annual fee.


Credit Needed: Good - Excellent

Best Building Credit Cards

Capital One® Platinum Credit Card

Special Offer

Earn access to a higher credit limit after you make your first 5 payments on time

Why We Like It

The Capital One Platinum Credit Card offers value to those wanting to rebuild their credit.

Cardholders will benefit from access to CreditWise to monitor their credit profile and fraud coverage.

This card has no annual fee, no foreign transaction fees, and access to a higher credit limit after making the first 5 payments on time.


Credit Needed: Fair

Capital One® Secured Mastercard®

Special Offer

Access a higher credit line after you make your first 5 monthly payments on time

Why We Like It

The Capital One Secured Mastercard is an excellent card for those who need to build a credit history.

Cardholders will start with a $200 credit limit after making a minimum security deposit of $49, $99, or $200 depending on creditworthiness.

After making the first 5 monthly payments on time, cardholders get access to a higher credit limit and pick their own due date.

Credit Needed: Poor - Bad

Petal Cash Back Visa Card

Why We Like It

The Petal Cash Back Visa is a great option for anyone looking to build credit while earning rewards. Petal is one of the only cards you can get without a credit history or an upfront deposit.

You can earn up to 1.5% cash back on purchases. Plus, there's no annual fees, late payment fees, or foreign transaction fees.

Citi Rewards+ Student Card

Special Offer

Earn 2,500 bonus points after $500 in purchases in the first 3 months

Why We Like It

The Citi Rewards+ Student Card is a great choice for students looking to build their credit while earning valuable rewards. Students can not only earn a sign-up bonus, but also 2X ThankYou Points at supermarkets and gas stations and 1X points on all other purchases.

This card is great for smaller purchases because points are rounded up to the nearest 10 points on every purchase. That $4 cup of coffee will earn 10 points. Plus, there's no annual fee. 

Credit Needed: Good

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

Why We Like It

The Chase Ink Business Preferred Credit Card is a popular choice among those with business expenses. Offering perks such as employee cards at no additional cost, cell phone protection, and no foreign transaction fees, cardmembers can also redeem points for 25% more through Chase Ultimate Rewards.

Earn 3X points on the first $150,000 spent in combined purchases in the following categories each account anniversary year: travel, shipping purchases, internet/cable/phone services, and advertising purchases on social media or search engines. Earn 1X points per $1 spent on everything else.

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

Why We Like It

The Chase Ink Business Cash Credit Card is a top cash back card offering generous rewards, a lucrative sign-up bonus, and no annual fee.

Earn 5% cash back on the first $25,000 spent in combined purchases each year at office supply stores and on internet/cable/phone services, and 2% cash back on the first $25,000 spent in combined purchases each year at gas stations and restaurants. All other purchases earn 1% unlimited cash back.

Credit Needed: Good - Excellent

Chase Ink Business Unlimited Credit Card

Special Offer

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

Why We Like It

The Chase Ink Business Unlimited credit card is a simple card for savvy business owners who enjoy cash back rewards.

Cardholders will enjoy unlimited flat-rate rewards, no annual fee, and 0% introductory APR for 12 months on purchases.

Get 1.5% unlimited cash back with the Ink Business Unlimited on every purchase for your business. 

Credit Needed: Good - Excellent

The Business Platinum Card from American Express

Special Offer

Earn up to 100,000 Membership Rewards points: 50,000 points after you spend $10,000, then another 50,000 points after you spend an additional $15,000 on qualifying purchases within the first 3 months

Why We Like It

The Business Platinum Card from American Express is a premium business charge card with an array of elite travel benefits that make it a favorite with globetrotting business owners. 

Perks include an annual $200 airline fee credit, airport lounge access, complimentary elite status with participating hotel partners, and much more.

Earn 5X points on airfare and prepaid hotels booked on amextravel.com, along with 1.5X points on any eligible purchase over $5,000 (up to 1 million additional points per year). Terms apply.

Credit Needed: Good - Excellent

American Express Business Gold Card

Special Offer

Earn 35,000 Membership Rewards points after spending $5,000 in the first 3 months

Why We Like It

The American Express Business Gold Card offers great rewards and earning incentives for those who want the flexibility to choose categories that earn maximum points per dollar where it matters the most.

Cardmembers can enjoy one year of G suite Basic and ZipRecruiter for free, flexible payment options on large purchases, and expense management tools.

Earn 4X Membership Rewards points in two select categories where monthly business spending is highest on the first $150,000 spent in those selected categories, and 1 point per $1 spent on other purchases. 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

Why We Like It

The Blue Business Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee. 

Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year. 

Earn 2X Membership Rewards points on everyday business purchases up to $50,000 each year, and 1X points on purchases thereafter. Terms apply.

Credit Needed: Good - Excellent

Brex for Startups

Special Offer

30,000 Brex Rewards points when you sign up and waived card fees for the life of the account (applied after you spend $1,000)

Why We Like It

Brex for Startups is a great option for business owners who have at least $100,000 in their business bank account and are looking for a business card that doesn't require a personal credit check or security deposit.

Cardholders enjoy 7X points on rideshare purchases, 4X points on Brex Travel, 3X points on restaurants, 2X points on software subscriptions, and 1X points on all other purchases. All this with no annual fee and no foreign transaction fees.