Credit Card in the United States: Choose the right one for you
Choosing the right credit card can transform the way you manage your finances, offering direct advantages such as savings and the accumulation of exclusive bonuses. Get to know the details of the cards below and find out how to apply for yours.
What is a credit card offer?
A credit card offer refers to exclusive benefits associated with a specific card, designed to attract new users and differentiate it from the competition. Some offers are time-limited, while others are permanent, such as an interest-free card for a fixed period.
Choosing the ideal offer depends on your financial situation and your preferences, as there are different options available on the market.
The best credit cards
1. Chase Freedom Unlimited®
O Chase Freedom Unlimited® stands out for combining an excellent rewards program with flexible redemption options, an attractive welcome bonus and an introductory rate of 0% interest. All this with no annual fee, making it an ideal choice for those looking for practicality and ongoing advantages.
Main benefits and advantages
1. Attractive Welcome Bonus
The Chase Freedom Unlimited® offers a differentiated reward:
- 1.5% additional cashback on all purchases in the first year (up to the limit of US$ 20,000 spent), totaling up to US$ 300 cash back.
This benefit can surpass other cards in the same category, which generally offer bonuses of up to US$ 200.
2. Categories of lucrative rewards
The card offers high cashback in categories that are part of many users' routines:
- 3% in restaurantsincluding delivery and takeout;
- 3% in pharmacies;
- 5% on trips booked through the Chase Travel℠ portal;
- 5% in Lyft servicesuntil March 2025;
- 1.5% on all other purchases.
These categories make the card highly advantageous, especially on common expenses such as food and medicine. Spending US$ 3,000 a year in these areas, for example, you accumulate US$ 90 back.
For those who travel, the reward of 5% in reserves made by Chase can generate a great return. On a US$ 6,000 trip, you can get back up to US$ 300.
3. Reward details
- 5%: Trips booked through Chase Travel℠;
- 3%: Pharmacies and restaurant meals (takeout and delivery included);
- 1.5%All other purchases, with no spending limit.
Other Card Benefits
- Zero annual fee: Take advantage of the card's features with no annual fee.
- Introductory APR for 0%Enjoy 15 months of zero interest on purchases and balance transfers. After this period, the rate varies between 20.49% and 29.24%.
- Simplified redemptionThere is no minimum amount to redeem cashback. The credit can be received directly on the invoice or in a bank account.
- Credit monitoring: The free service Chase Credit Journey allows you to monitor your score and financial health in real time.
Pros and cons
| PRO | CON |
|---|---|
| No annual fee | Good/excellent credit history required |
| Introductory APR period | |
| High rewards rate | |
| No minimum redemption value |
Conclusion
O Chase Freedom Unlimited® offers a unique combination of benefits, robust cashback and redemption flexibility, making it an excellent choice for those looking for convenience, savings and consistent rewards.
Do you want to know how to apply for your card and enjoy these advantages? Click on the link below and get started now!
Wells Fargo Active Cash® Card
O Wells Fargo Active Cash® Card is an excellent option for those looking for convenience and a guaranteed return on all purchases. With a 2% unlimited cashbackWith no annual fee and an attractive welcome bonus, the card stands out in the category of cards with a fixed rewards rate.
Main benefits and advantages
1. 2% Cashback on All Purchases
Unlike many cards that only offer 1.5% cashback, the Wells Fargo Active Cash® Card delivers 2% unlimited return on all purchases, without the need to keep track of spending categories or fulfill additional requirements.
2. Competitive Welcome Bonus
In addition to the fixed cashback, the card offers an attractive initial bonus:
- Receive US$ 200 in cash rewards by spending US$ 500 in the first 3 months.
This benefit outweighs other 2% cashback cards, which in most cases do not include any welcome bonus.
3. No Annual Fee
Wells Fargo Active Cash® has no annual fee, making it an economical option for those who want to keep their card for the long term without additional costs.
4. Flexible Redemption Options
Accumulated rewards can be redeemed in a variety of ways, ensuring convenience for the user:
- Direct bill credit.
- Wells Fargo ATM withdrawals (in amounts multiples of US$ 20).
- Direct deposit into Wells Fargo checking or savings accounts.
- Physical check sent by mail.
More important details
1. Cell phone protection
The card offers up to US$ 600 cover against theft or damage to your cell phone, subject to a deductible from US$ 25. This benefit is especially useful for those who want an extra layer of protection in unexpected situations.
2. Introductory APR for 0%
Wells Fargo Active Cash® offers 0% interest in the first 15 months on qualifying purchases and balance transfers. After this period, the interest rate will be variable, ranging from 20.24% and 29.99%.
- Transfers made in the first 120 days also include an introductory rate and a 3% (subsequently, the rate rises to up to 5%, with a minimum of US$ 5).
3. Visa Signature® Concierge
As a Visa Signature® card, you have access to exclusive services such as restaurant reservations, purchasing tickets for sports or entertainment events and travel assistance, 24 hours a day.
Summary of Rewards
- 2% unlimited cashback on all purchases, without specific categories.
- Cash rewards do not expire, as long as your account remains active.
Pros and cons
| PRO | CON |
|---|---|
| High rewards rate | No bonus categories |
| No annual fee | |
| Introductory APR period |
Why choose the Wells Fargo Active Cash® Card?
If you're looking for simplicity, 2% fixed cashbackan attractive welcome bonus with no complicated spending categories, the Wells Fargo Active Cash® Card is the perfect choice. In addition, the absence of an annual fee and the additional benefits, such as cell phone protection and concierge, make this card a complete and economical solution.
Apply now and start enjoying all these advantages!
Capital One SavorOne Cash Rewards Card
O Capital One SavorOne Cash Rewards is the ideal choice for those who value cashback on everyday purchases, especially in categories such as food, entertainment and streaming services. What's more, with zero annual feeIt offers competitive advantages without requiring extra costs.
Main benefits and advantages
1. High Cashback on Multiple Categories
The card offers 3% cashback in essential areas for many consumers, such as
- RestaurantsIncludes meals out, delivery and takeout.
- Entertainment: Cinema, shows, theme parks and more.
- Popular streaming services.
- SupermarketsExcept superstores such as Walmart® and Target®.
Plus, you win:
- 8% shopping at Capital One Entertainment.
- 5% in hotels and car rental booked through the Capital One Travel platform.
- 10% in Uber and Uber Eats with Uber One subscription credits up to 14/11/2024.
All other purchases accumulate 1% cashbackwithout spending limits.
2. Attractive Welcome Bonus
You can receive a bonus of US$ 200 by spending US$ 500 in the first 3 months after opening the account. This represents an excellent initial return for those looking for quick advantages.
3. No Annual Fee
Unlike many cards with high rewards, the Capital One SavorOne no annual fee. This means you can enjoy the benefits without worrying about fixed annual costs.
4. Redemption Flexibility and Reward Combination
Accumulated rewards can be redeemed in various ways, such as:
- Direct bill credit.
- Specific purchases or experiences through Capital One.
In addition, you can combine the points you earn on SavorOne with cards from the Venture from Capital One, increasing the value of the rewards by transferring them to partner airline or hotel programs.
Other important details
1. Introductory APR for 0%
Enjoy 15 months of zero interest on qualifying purchases and balance transfers. After the promotional period, the rate will vary between 19.99% and 29.99%.
2. No Fees on International Transactions
If you travel or shop abroad, you won't have to pay additional fees on international transactions, making the card even more advantageous.
3. Rewards that don't expire
The cashback you earn has no expiration date, as long as your account remains active. What's more, there are no limits to the total amount you can earn.
Summary of Rewards
- 10% in Uber and Uber Eats.
- 8% in Capital One Entertainment.
- 5% in hotels and car rental through Capital One Travel.
- 3% in restaurants, entertainment, streaming and supermarkets (except superstores).
- 1% on all other purchases.
Pros and cons
| PRO | AGAINST |
|---|---|
| No annual fee | Good/excellent credit history required |
| Introductory APR period | |
| Bonus categories | |
| No fees on international transactions |
Why choose Capital One SavorOne?
If you value cashback in essential categories such as food, entertainment and travel, the Capital One SavorOne Cash Rewards stands out as one of the best options no annual fee. Its wide coverage of categories, generous initial bonus and the possibility of combining rewards make this card an excellent tool for everyday savings.
Request yours now and start enjoying all the benefits!
Citi Double Cash® Card
O Citi Double Cash® Card is an excellent option for those looking for simple and consistent rewards on a daily basis. With 2% unlimited cashback on all purchases, it offers practicality without the need to monitor spending categories. Ideal for those who value constant return and don't want complications.
Main benefits and advantages
1. Double Cashback
The great thing about the card is its 2% cashback on all purchases:
- 1% at the time of purchase.
- Additional 1% when paying the invoice.
This strategy encourages regular bill payment, which is essential for avoiding interest and keeping your finances healthy.
2. Uncomplicated and Expense Categories
Many cards offer bonuses in specific categories, which requires constant control of spending and limits. O Citi Double Cash® simplifies this with 2% on all purchaseswithout spending limits or the need to manage categories.
Moreover, even December 31, 2024, it is possible to obtain 5% cashback on hotels, car rentals and attractions booked through the portal Citi Travel℠.
3. Flexible rewards
Although it is known as a cashback card, the Citi Double Cash® generates program points Citi ThankYou®which can be redeemed as:
- Credit on invoice;
- Transfer to travel partner programs, such as JetBlue, Wyndham It is Choice Privileges.
This feature expands the options for using rewards, especially for those who want to get more value out of their trips.
Other important benefits
1. Welcome Bonus Offer
Receive US$ 200 cashback by spending US$ 1,500 in the first 6 months after opening the account. The amount is offered as 20,000 ThankYou® pointswhich can easily be converted into cash.
2. Balance Transfer with Promotional APR
Enjoy 0% introductory APR in balance transfers by 18 months. After this period, the interest rate varies between 19.24% and 29.24%depending on the credit profile.
- Transfer rate: 3% for the first 4 months (minimum US$ 5). After this period, the rate rises to 5%.
Important: Balance transfers do not accrue cashback, and interest will be charged on new purchases if the total balance is not paid in full by the due date.
Summary of Rewards
- 2%Unlimited cashback on all purchases - 1% at the time of purchase and 1% when paying the bill.
- 5%: Cashback on hotels, car rentals and attractions booked through the Citi Travel℠ portal
Pros and cons
| PRO | AGAINST |
|---|---|
| No annual fee | No introductory APR period in purchasing |
| High rewards rate | |
| Introductory fee for balance transfer |
Why choose the Citi Double Cash® Card?
O Citi Double Cash® Card combines simplicity and consistent value. It is ideal both for those looking for a single card for all purchases and for those using multiple card strategies. In addition, the flexibility in the use of rewards and the welcome bonus make this card a standout in the market.
Request yours and start earning cashback in a practical and efficient way!
Chase Sapphire Preferred® Card
O Chase Sapphire Preferred® Card is a popular choice among travelers due to its generous welcome bonus and flexibility in the use of points. With an affordable annual fee of US$ 95, the card offers Ultimate Rewards® pointsThese can be redeemed strategically for travel, including transfers to airline loyalty programs and renowned hotel chains.
Main benefits and advantages
1. Attractive Welcome Bonus
Within the first 3 months of opening your account, you can accumulate 60,000 bonus points by spending US$ 4,000 in purchases. These points are equivalent to US$ 750 in redemptions made by the portal Chase Travel℠offering an excellent initial return.
2. Accumulation of Reward Points
The card offers bonus points in essential categories for travelers:
- 5x points for trips booked through the portal Chase Travel℠.
- 3x points on meals, including restaurants and delivery.
- 3x points on selected streaming services.
- 3x points for supermarket purchases made online.
- 2x points on all other travel-related expenses.
- 1x point on all other purchases.
In addition, Chase's definition of "travel" is broad and includes expenses such as airfare, hotels, car rentals, parking, public transportation and even camping.
3. Redeeming Points with Additional Value
By using the points on the portal Chase Travel℠you receive 25% more value. For example, 60,000 points accumulated is equivalent to US$ 750 when booking tickets, hotels, car rental or cruises.
Another interesting option is to transfer points to partner programs such as United Airlines, Southwest Airlines, Marriott It is HyattThis gives you even more flexibility and potentially a higher value for your rewards.
4. Additional Travel Benefits
Chase Sapphire Preferred® offers a series of protections and advantages aimed at travelers:
- Trip Cancellation/Interruption Insurance.
- Damage and collision protection for rental cars.
- Insurance against lost luggage.
- Annual credit of US$ 50 for hotel reservations made through the portal Chase Travel℠.
5. DashPass access
Cardholders receive free access to DashPass for at least one year when activating until December 31, 2027. This benefit reduces delivery and service fees on orders placed through DoorDash, offering additional savings on a daily basis.
Summary of Rewards
- 5x on trips booked through the Chase Travel℠ portal.
- 3x in meals, selected streaming and online shopping in supermarkets.
- 2x in other travel-related expenses.
- 1x on all other purchases.
Pros and cons
| PRO | AGAINST |
|---|---|
| Bonus offer for new members | Annual fee |
| Bonus categories | Good/excellent credit history required |
| Primary cover for car rental | Complicated rewards |
| Flexible reward redemption | |
| Transfer partners |
Why choose Chase Sapphire Preferred®?
O Chase Sapphire Preferred® Card is an excellent choice for travelers looking for flexibility and a high return on their spending. The generous initial bonus, the variety of reward categories and the travel benefits make this card a stand-out option on the market. In addition, the possibility of 25% more value redeeming points and transferring them to travel partners further increases your advantages.
If you value practicality, savings and opportunities to maximize your travel rewards, the Chase Sapphire Preferred® could be the perfect card for your needs. Apply now and start earning your rewards!