Best Credit Cards Available Right Now - S'witty Kiwi (2024)

Why We Picked It

The Wells Fargo Active Cash® Card is your top choice for the best 0% APR credit card, offering a competitive 2% cash back on all purchases and a generous $200 Cash Rewards welcome bonus after spending $500 within the first 3 months.

Additionally, you benefit from straightforward 2% cash back on all purchases, making it the ideal credit card for simple cash back. With its 0% APR introductory offer on purchases, you can enjoy interest-free spending while earning valuable cash rewards.

Pros & Cons

Pros

• Provides an attractive 2% cash back on purchases.
• Gives you a cost-effective choice for everyday spending with no annual fee.
• Rewards new cardholders with a substantial cash bonus.
• Includes cell phone protection.
• Offers a 0% APR introductory period on purchases.

Cons

• Imposes a relatively high regular APR, particularly if you have lower credit scores.
• May not provide as high rewards in specific spending categories.

Card Details

• Rewards Rate: Earn unlimited 2% cash rewards on all purchases with a generous sign-up bonus.
• Welcome Bonus: $200 Cash Reward after spending $500 on purchases within the first 3 months.
• Intro APR: 0% intro APR on purchases for a specified period.
• Regular APR: 19.99%, 24.99%, or 29.99% variable APR.
• Credit Score: Excellent, Good (700 – 749).
• Additional Perks: Cell phone protection.

Why We Picked It

The Capital One Venture X Rewards Credit Card is your ultimate flexible rewards card. Earn 2 miles per dollar on all eligible purchases and enjoy even higher rewards rates of 5 miles per dollar on flights and 10 miles per dollar on select hotels through January 2027.

With a generous welcome bonus of 75,000 miles, this card is a perfect fit for travelers like you. Its travel-centric rewards structure and versatility make it an ideal choice if you’re a frequent flyer seeking maximum value from your spending.

Pros & Cons

Pros

• Offers competitive rewards rates for various spending categories, including flights and hotels.
• Gives a generous welcome bonus of 75,000 miles.
• Allows travelers to use miles flexibly for travel-related expenses or transfer them to partner programs.
• Eliminates foreign transaction fees.

Cons

• Imposes a relatively high regular APR, particularly if you have lower credit scores.

Card Details

• Rewards Rate: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights, and 10 miles per dollar on select hotels through January 2027.
• Welcome Bonus: 75,000 miles.
• Regular APR: 21.99% – 28.99% (Variable).
• Credit Score: Excellent (750 – 850).
• Additional Perks: No foreign transaction fees.

Why We Picked It

Pros & Cons

Pros

• Offers lucrative rewards rates in rotating bonus categories, allowing you to earn 5% cash back in various spending areas throughout the year.
• Gives an additional 3% cash back on dining and select travel.
• Provides a welcome bonus of $200 after spending $500 in the first 3 months.
• Caters to a wide range of spending habits with its flexible cash-back structure.

Cons

• Requires some planning and attention to maximize rewards as the 5% cash back categories rotate quarterly.
• Requires you to activate the categories each quarter to benefit from the 5% cash back.

Card Details

• Rewards Rate: Offers 5% cash back in rotating bonus categories, 3% back on dining and select travel, and 1% on all other purchases.
• Welcome Bonus: $200 Bonus after spending $500 on purchases in the first 3 months.
• Regular APR: Varies based on creditworthiness.
• Credit Score: Good to Excellent.

Why We Picked It

The Chase Sapphire Preferred® Card is your ultimate all-purpose travel rewards credit card. Enjoy a flexible rewards program with rich rewards in multiple categories.

You can also transfer points to various travel partners, maximizing the value of your rewards for your dream travel experiences.

Pros & Cons

Pros

• Offers a versatile rewards program with 2x points on travel.
• Gives you the ability to transfer points to airline and hotel partners.
• Provides a generous welcome bonus.
• Eliminates foreign transaction fees.

Cons

• May not match the higher rewards rates in specific categories.
• Comes with an annual fee.

Card Details

• Rewards Rate: Earns rich, flexible rewards in multiple categories with transfer partner options.
• Welcome Bonus: Generous sign-up bonus.
• Regular APR: Varies based on creditworthiness.
• Credit Score: Good to Excellent.
• Additional Perks: No foreign transaction fees.

Why We Picked It

Pros & Cons

Pros

• Offers a $300 travel credit each year.
• Gives access to Priority Pass™ Select lounges.
• Provides a high rewards rate on travel and dining.
• Allows you to transfer points to airline and hotel partners.

Cons

• Imposes a high annual fee.
• The premium benefits may not be fully utilized by cardholders who do not frequently travel or dine out.

Card Details

• Rewards Rate: Offers a yearly $300 travel credit and rewards on travel and dining.
• Regular APR: Varies based on creditworthiness.
• Credit Score: Good to Excellent.
• Additional Perks: Priority Pass™ Select lounge access.

Why We Picked It

Pros & Cons

Pros

• Offers a super-long 0% intro APR period on balance transfers and new purchases.
• Gives a low balance transfer fee.
• Provides a cost-effective option for debt consolidation with no annual fee.
• Specializes in balance transfers, making it an ideal choice for those with this specific financial goal.

Cons

• The card’s rewards program is minimal, offering no cash back or points for everyday spending.
• The 0% intro APR period is temporary, requiring users to be mindful of the regular APR that will apply after the introductory period ends.

Card Details

• Intro APR: Features a super-long 0% intro APR period on balance transfers and new purchases, with a low transfer fee.
• Regular APR: Varies based on creditworthiness.
• Credit Score: Good to Excellent.
• Additional Perks: None.