Best Credit Cards in New York

Best Credit Cards in New York

 

Are you looking for the best Credit Card in New York?

 

Then I’m happy to let you know that you’ve come to the right place. There are a number of credit card options available in New York City, and nearly every major bank offers a wide range of options in terms of features and advantages. Simply because you aren’t sure which New York City credit card firm is the most reputable. In addition, deciding on the best credit card can be a challenge. I’ll be glad to help you out in any way I can. There are a number of credit card companies in New York City that may be able to aid you in your financial pursuits.

 

Choosing a credit card that matches your needs and fits in with your lifestyle can be a daunting task. Some issuers of credit cards provide a variety of cards, each with its own set of features and eligibility criteria as well as varying annual, foreign transaction, and balance transfer fees and charges. To help you find the perfect credit card, we’ve compiled this list of the best credit cards offered by New York’s major credit card issuers, all of which offer exceptional benefits like cashback, points, and savings on items like shopping, gas, and travel, among others.

 

What Are Your Options for a New York City Credit Card?

 

Finding the finest credit card in New York is easy because there are numerous top credit cards available, each with its own set of perks. With so many options, it’s easy to become disoriented.

 

Always keep an eye out for credit and debit cards that are a good fit for your spending habits. A five-step process is involved in locating the best credit card for your specific needs. They are –

 

1. For starters, understand why you need a credit card :
You need to figure out how much money you have to spend on a credit card. Having a credit card is necessary for a variety of purposes, including establishing credit, increasing one’s credit limit for greater expenditures, and taking advantage of other rewards. Select a credit card that fits your financial situation.

 

2. Find out if you’re eligible for a credit card :
To get a credit card, you need to know your credit profile and which cards you are eligible for. Depending on your income, you may not be eligible for a credit card that offers travel advantages. So, before you apply for a credit card, be sure it’s a good fit for you.

 

3. List of Credit Cards :
A few cards are available to you depending on your eligibility. This will assist you in determining which card is best for you. Determine if you can afford the annual fee and whether or not the card fulfills your basic needs before making a final decision.

 

4. Decide on the best deal :
Choose the credit card that provides the best overall value from your choices. In this instance, consider a cutting-edge approach. Think about how you’ll use this card in the future. Ask your bank if you may subsequently switch to a different card.

 

5. Applying for a Credit Card :
It is possible to apply directly to the bank’s website or through a third-party website. Using the latter, you can compare credit cards from several banks to choose the one that best suits your financial needs.

 

The list of Best Credit Cards in New York :

 

Credit Card

Annual feeIntro APR

Regular APR

Chase Sapphire Preferred® Card

1. Chase Sapphire Preferred® Card

$95N/A15.99%-22.99% Variable APR
Wells Fargo Active Cash℠ Card

2. Wells Fargo Active Cash℠ Card

$00% intro APR for 15 months from account opening on purchases and qualifying balance transfers14.99%-24.99% Variable APR
Bank of America® Travel Rewards credit card

3. Bank of America® Travel Rewards credit card

$00% intro APR for 15 billing cycles on purchases13.99%-23.99% Variable APR
Citi® Diamond Preferred® Card

4. Citi® Diamond Preferred® Card

$00% Intro APR for 21 months on Balance Transfers and 12 months on Purchases13.74%-23.74% Variable APR
BankAmericard® credit card

5. BankAmericard® credit card

$00% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening12.99%-22.99% Variable APR
Discover it® Cash Back

6. Discover it® Cash Back

$00% intro APR for 14 months on purchases and balance transfers11.99%-22.99% Variable APR
U.S. Bank Visa® Platinum Card

7. U.S. Bank Visa® Platinum Card

$00%* intro APR for 20 billing cycles on purchases and balance transfers*14.49% – 24.49%* Variable APR
Citi® Double Cash Card

8. Citi® Double Cash Card
(18 month BT offer)

$00% intro APR on Balance Transfers for 18 months13.99%-23.99% Variable APR
Capital One Venture Rewards Credit Card

9. Capital One Venture Rewards Credit Card

$95N/A15.99%-23.99% Variable APR
Blue Cash Preferred® Card from American Express

10. Blue Cash Preferred® Card from American Express

$0 intro for the first year, then $950% intro APR on Purchases for 12 months13.99%-23.99% Variable APR
Chase Freedom Unlimited®

11. Chase Freedom Unlimited®

$00% intro APR on Purchases for 15 months14.99%-24.74% Variable APR
Blue Cash Everyday® Card from American Express

12. Blue Cash Everyday® Card from American Express

$00% intro APR on Purchases for 15 months13.99%-23.99% Variable APR

 

Important Discussions :

1. Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • After spending $4,000 in the first three months of your account opening, you will receive 60,000 bonus points. If you use your Chase Ultimate Rewards® points, you’ll get an additional $750.
  • Benefits include a $50 yearly Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases.
  • When you redeem Chase Ultimate Rewards® points for travel, hotels, auto rentals, and cruises, you’ll get 25% more value. As an example, 60,000 points can be redeemed for $750 in hotel and airfare.
  • When you redeem your points for statement credits against existing purchases in selected, rotating categories with Pay Yourself BackSM, they are worth 25 percent more than they were before the current offer.
  • DashPass, DoorDash’s subscription service, offers unlimited deliveries with a $0 delivery fee and reduced service fees on qualified orders above $12 for a minimum of one year. Activate by 12/31/21
  • Trust in Trip Cancellation/Interruption Insurance, Automobile Insurance, Lost Luggage Insurance as well as many more.
  • From now through December 31, 2020, you may get up to $60 back on an applicable Peloton Digital or All-Access Membership, plus you’ll have access to their workout repertoire through the Peloton app. Study on the go with an app on your phone, iPad, or television. There is no need for any kind of fitness gear.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • Bonus for new cardholders
  • Extra categories
  • Primary rental car insurance
  • Redeeming flexible rewards
  • Partners in transfer
  • Has a yearly charge
  • Needs outstanding or superior credit.
  • Difficulty in obtaining awards

 

2. Wells Fargo Active Cash℠ Card

Wells Fargo Active Cash℠ Card

  • New! After spending $1,000 in the first three months, you’ll receive a $200 cash rewards bonus.
  • On every purchase, you’ll get a 2% cash back bonus.
  • For the first 15 months, purchases and qualifying balance transfers have a 0% intro APR; after that, the APR ranges from 14.99% to 24.99% variable; balance transfers made within 120 days are eligible for the 0% intro APR and a 3% cost, followed by a BT fee of up to 5%, with a minimum of $5.
  • The annual cost is $0.
  • Reward points never expire as long as your account is open; there are no restrictions on categories or sign-ups.
  • With Visa Signature Concierge, you’ll have access to a wide range of exclusive privileges at some of the world’s most intriguing and distinguished hotels.
  • Pay your monthly cell phone bill with your Wells Fargo Active CashSM Card and get up to $600 coverage against covered damage or theft (subject to a $25 deductible).
  • Apply Now” to learn about the product’s features as well as the product’s policies.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • High remuneration rate
  • There is no annual charge
  • APR introductory period
  • No bonus categories

 

3. Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • With no annual fee or international transaction fees, you can earn a limitless 1.5 points every $1 spent on all transactions, and your points never expire.
  • To get the $250 statement credit, you’ll need to make at least $1,000 in purchases within the first 90 days of starting your account.
  • You don’t have to stick to a specific website or adhere to any limits or ban dates when you book your trip using your card.
  • To pay for travel and dining expenses including flights, hotel stays, car and vacation rentals, baggage fees, and restaurants, you can exchange your points for a statement credit.
  • 0% introductory APR on purchases for 15 billing cycles. After the intro APR expires, the variable APR ranges from 13.99% to 23.99%.
  • Members of Preferred Rewards can earn 25-75% additional points for every dollar spent. That means you can get up to 2.62 points per dollar spent.
  • Convenience and security of a chip card with the tap of a contactless card
  • If you leave this page or visit a Bank of America banking center, this online-only offer may not be available. This deal is available to you if you apply right away.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • No yearly charge
  • A new cardholder bonus
  • 1st APR
  • No FX (Foreign Transaction) fees
  • Redeem rewards in a
  • High credit score required
  • Notable absences
  • Best rewards for select customers

 

4. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

  • 0% Intro APR for 21 months on debt transfers and 12 months on purchases from account opening. The APR will then range from 13.74 to 23.74 percent depending on your creditworthiness. Requires 4 months after account opening.
  • The greater of $5 or 5% of each transfer’s value is charged as a balance transfer fee.
  • Your FICO® Score is available for free online.
  • There are a wide variety of events to choose from with Citi Entertainment® including sporting events, live concerts, dining experiences, and much more.
  • In addition to $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions, you may shop with peace of mind knowing that you have reliable safety features.
  • You can expect an APR ranging from 13.74 percent to 23.74 percent, depending on your creditworthiness, while using the Citi Flex Plan. There is no set schedule for when Citi will make Flex Plan offerings available.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • No yearly charge
  • Pre-APR Period
  • Balance transfer fee
  • Minimum good/excellent credit
  • No rewards

 

5. BankAmericard® credit card

BankAmericard® credit card

  • New Promotion! After making at least $1,000 in purchases within the first 90 days after account opening, you will receive a $100 statement credit online.
  • 0% Introductory APR for purchases and balance transfers done within the first 60 days of account opening. After the intro APR offer expires, the variable APR ranges from 12.99% to 22.99 percent. A 3% (minimum $10) balance transfer fee is imposed on all balance transfers.
  • There is no yearly charge.
  • APR will not be penalized. Paying late does not result in an automatic increase in the interest rate you are charged (APR). Other terms and conditions apply.
  • Obtain your FICO® Score at no cost by logging into your online banking account or using your mobile banking application.
  • Convenience and security of a chip card with the tap of a contactless card
  • If you leave this page or visit a Bank of America banking center, this online-only offer may not be available. This deal is available to you if you apply right away.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • No yearly charge
  • 1st APR
  • A new cardholder bonus
  • High credit score required
  • No more awards

 

6. Discover it® Cash Back

Discover it® Cash Back

  • For a limited time only, Discover is offering an unlimited cashback match. At the end of your first year, Discover will automatically match all of the cash back you’ve earned! You don’t have to meet any spending or reward requirements. You could make $300 with $150 in cash.
  • When you activate, you’ll get 5% cash back on your everyday purchases at many locations, including Amazon.com, grocery stores, restaurants, petrol stations, and when you pay with PayPal.
  • On top of that, you’ll automatically receive 1% cash back on every other purchase you make.
  • Any amount of cash back can be redeemed at any time. Benefits are always valid.
    Use your Amazon.com rewards at checkout.
  • According to Investor’s Business Daily, Discover is the most trusted credit card in America.
    Annual fees are not required.
  • The vast majority of businesses that accept credit cards accept Discover.
  • Click “Apply Now” to view incentives, FICO® Credit Score terms, Cashback MatchTM details, and more.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • There is no yearly charge.
  • Introductory APR term
  • Bonus categories
  • monetary incentives
  • Needs outstanding or superior credit

 

7. U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

  • Introductory APR of 0% for purchases and balance transfers for the first 20 billing cycles. After then, the annual percentage rate (APR) will fluctuate between 14.49% and 24.49%.
  • In February 2021, Ethisphere Institute named U.S. Bank as the 2021 World’s Most Ethical Company®.
  • Non-Recurring Fee
  • The ability to set a payment due date that is convenient for you.
  • When you use your U.S.Bank Visa® Platinum Credit Card to pay your monthly cellular telephone bill, you’ll be protected against covered damage or theft up to $600 (subject to a $25 deductible). Conditions, exclusions and limitations apply.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • There is no annual charge.
  • APR introductory period
  • Insurance for cell phones
  • There are no incentives.
  • Good/excellent credit is required.
  • There is no bonus offer

 

8. Citi® Double Cash Card (18 month BT offer)

Citi® Double Cash Card

  • Every purchase you make earns you 2% back in the form of unlimited 1% cash back, plus an additional 1% back when you pay for those purchases.
  • Pay as least the minimum due on time to get cash back.
  • For the first 18 months, there is a 0% introductory APR on all balance transfers. After that, your creditworthiness determines the variable APR, which ranges from 13.99% to 23.999%.
  • No money is refunded for balance transfers. Purchases are exempt from the introductory APR.
  • Your purchases will accrue interest if you don’t pay off your entire balance each month, including any balance transfers.
  • The first three percent of each transfer (a minimum of $5) made within the first four months of account setup is subject to an introductory balance transfer fee. Next, your fee is 5 percent of each transfer (minimum $5) after the initial fee is paid.
  • Citi Flex Plan’s standard variable APR ranges from 13.99% to 23.99%, depending on your creditworthiness. There is no guarantee that Citi’s Flex Plan offers will be made available in the future.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • There is no annual charge
  • A high rate of reward
  • Introductory balance transfer charge
  • Good/excellent credit is required
  • There is no bonus offer
  • There are no other categories

 

9. Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

  • After spending $3,000 within three months of creating your account, you will receive a one-time bonus of 60,000 miles, which is comparable to $600 in travel.
  • Earn 2x the miles on every purchase, every day, for as long as you like.
  • There is no time restriction on how many miles you can earn, and they aren’t going to expire.
  • Travelers who apply for TSA PreCheck® and Global Entry will receive a $100 credit.
  • Take advantage of our lowest rates on thousands of travel options when you book hotels and rental cars via Capital One Travel and earn 5X points.
    Redeem your points by booking a trip with Capital One Travel or using them to get a refund on any travel purchases.
  • Your miles can be transferred to a variety of travel loyalty programs.
    There are no charges for international transactions.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • A high rate of reward
  • Redeeming flexible rewards
  • Expensive annual fee
  • The flexibility of rewards is limited
  • Good/excellent credit is required

 

10. Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • After spending $3,000 on your new Card in the first six months, you will receive a $300 statement credit.
  • For the first year, there is no yearly cost, then $95.
  • Pay Later: Plan It® offers no-interest monthly payment plans for significant purchases. No plan costs for the first 12 months following account opening. After that, a monthly plan fee of up to 1.33 percent of each purchase amount will be added to the plan based on the plan duration, the purchase APR, and other parameters.
  • Introductory interest rates are as low as 0% for 12 months on purchases made after the account is opened and thereafter range from 13.99% to 23.99% per year.
    Cash back at U.S. supermarkets of up to 6% on purchases of up to $6,000 every year (then 1 percent ).
  • Streaming subscriptions in the United States are eligible for 6% Cash Back.
    Taxis/ride-share, parking, tolls, trains, buses, and more are all included in the 3% Cash Back at US petrol stations.
    On all other purchases, you’ll get 1% Cash Back.
  • When you earn Reward Dollars, you can use them to get a credit on your credit card statement.
  • These terms and conditions govern your use of this website.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • A high rate of reward
  • Extra categories
  • APR introductory period
  • Monetary incentives
  • Has an annual fee
  • Good/excellent credit is required
  • Spending limits for bonus prizes

 

11. Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Spend $500 in the first three months after opening your account to qualify for a $200 Welcome Bonus.
  • If you spend $12,000 in the first year, you’ll get 5% cash back on food store purchases (not counting Target or Walmart purchases).
  • Takeout and qualifying delivery services are included in the 3% cash back policy.
  • Drugstore purchases will earn you 3% cash back.
  • A 5% discount on travel purchased through the Chase Ultimate Rewards® program is available
    Unlimited All other items are eligible for a 1.5% rebate.
  • First, a 15-month intro APR of 0%, then a variable APR of 14.99 percent to 24.74 percent on all purchases.
  • There is no yearly charge.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • There is no annual charge
  • APR introductory period
  • A high rate of reward
  • There is no minimum redemption amount
  • Good/excellent credit is required

 

12. Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • After spending $2,000 on your new Card in the first six months, you will receive a $200 statement credit.
  • Pay Later: Plan It® offers no-interest monthly payment plans for significant purchases. No plan costs for the first 15 months following account opening. After that, a monthly plan fee of up to 1.33 percent of each purchase amount will be added to the plan based on the plan duration, the purchase APR, and other parameters.
  • Introductory APR: 0% for 15 months on purchases made from the date of account opening, then a variable rate of 13.99 percent to 23.99 percent.
  • For purchases up to $6,000 a year, customers in the United States receive 3% back in Cash Back.
  • At select U.S. department stores and American petrol stations, get 2% Cash Back.
    On all other purchases, you’ll get 1% Cash Back.
  • Reward Dollars, which may be redeemed for statement credits, are the preferred method of receiving cash back.
  • Annual fees are not required.
  • These terms and conditions govern your use of this website.

 

Advantages and Disadvantages :

Advantages

Disadvantages

  • There is no annual charge
  • A high rate of reward
  • Bonus categories during the introductory APR period
  • Good/excellent credit is required
  • Spending limits for bonus prizes

 

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