What are the Top Credit Cards of 2015?

As an expert in the field of credit cards, I have researched and analyzed the top credit cards of 2015. These credit cards offer a variety of benefits and rewards to their users, making them a popular choice among consumers. In this article, I will provide a detailed overview of the top credit cards of 2015 and offer some tips for applying and using them responsibly.

Cash Back Credit Cards

Cash back credit cards are a popular choice for consumers who want to earn rewards for their everyday purchases. The Chase Freedom card is one of the top cash back credit cards of 2015, offering 5% cash back on rotating categories such as gas, dining, and department stores. Another popular cash back credit card is the Citi Double Cash card, which offers 1% cash back on all purchases and an additional 1% cash back when you pay your bill on time.

Travel Rewards Credit Cards

If you are a frequent traveler, atravel rewardscredit card can help you earn points or miles that can be redeemed for flights, hotels, and other travel expenses. The Chase Sapphire Preferred card is one of the top travel rewards credit cards of 2015, offering 2x points on travel and dining purchases and a 50,000 point sign-up bonus after spending $4,000 in the first three months. The Barclaycard Arrival Plus World Elite Mastercard is another popular travel rewards credit card, offering 2x miles on all purchases and a 40,000 mile sign-up bonus after spending $3,000 in the first 90 days.

Balance Transfer Credit Cards

If you have high-interest credit card debt, a balance transfer credit card can help you save money on interest charges and pay off your debt faster. The Citi Simplicity card is one of the top balance transfer credit cards of 2015, offering 0% APR for 21 months onbalance transfersand purchases. The Discover it card is another popular balance transfer credit card, offering 0% APR for 18 months on balance transfers and 6% cash back on rotating categories.

Tips for Applying and Using Credit Cards Responsibly

When applying for a credit card, it is important to choose one that fits your spending habits and financial goals. It is also important to use your credit card responsibly by paying your bill on time and in full each month to avoid interest charges and late fees. You should also monitor your credit score regularly and check your credit report for errors.

Credit Card Savings and Risk Avoidance

To save money on credit card fees and interest charges, you can choose a credit card with no annual fee or low interest rate. You can also avoid overspending by setting a budget and only using your credit card for purchases you can afford to pay off each month. To avoid fraud and identity theft, you should also monitor your credit card statements and report any unauthorized charges immediately.

Credit Card Company Recommendations

When choosing a credit card company, it is important to research their reputation and customer service. Some of the top credit card companies of 2015 include American Express, Chase, Citibank, and Discover. These companies offer a variety of credit card options and have strong customer satisfaction ratings.

In conclusion, the top credit cards of 2015 offer a variety of benefits and rewards to their users, making them a popular choice among consumers. By choosing the right credit card and using it responsibly, you can save money on fees and interest charges and earn rewards for your everyday purchases. Remember to monitor your credit score and report any unauthorized charges to ensure that your credit card use is safe and secure.