Best 6 credit cards for November 2020

Best 6 credit cards for November 2020

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In 2020, we’ve checked out dozens of Mastercard s and identified the simplest credit card options across a spread of categories.

We’ve analyzed rewards credit cards — including people who pay back on every purchase, earn you rewards points and miles for all types of travel purchases, or specialize in one particular airline.

Note that we continuously monitor these cards (and their interest rates) and keep our eyes peeled for brand spanking new ones, too. Our current top picks for the simplest Mastercard are presented below.

 

1. Best Mastercard for Apple Pay super-users (and privacy enthusiasts) :

 

Apple Card

 

▪ Rewards rate : 3 percent on Apple, Uber and Walgreens purchases; 2 percent on Apple Pay purchases; 1 percent on everything else.

▪ Annual fee : $0

▪ New member bonus : $0

▪ Bonus redemption threshold : None.

▪ Credit requirement : 580 to 850

▪ Intro APR : None.

▪ APR for purchases : 12.49% to 23.49% variable.

▪ APR for balance transfers : Not offered.

▪ Balance transfer fee : Not offered.

 

The Apple Card may be a beautiful but odd duck. Crafted out of sleek titanium, the Mastercard seems like it had been birthed from a slot on a MacBook Pro.

But it is the iPhone that unleashes its true potential: once you use Apple Pay — the company’s digital wallet and touchless payment feature — you get 2% cash back on all purchases. (The City Double Cash Card offers up to twenty on everything, regardless of how you pay.)

The Apple Card’s rewards program may be a mishmash of money rewards: 3 percentage cash back on eligible purchases of Apple gear and services, Uber and Walgreens purchases and 1% cash rewards on everything else.

But there are a couple of other noteworthy features.

The Apple Card private policy state that it will “never share or sell your data to 3rd parties for marketing or advertising” — a commitment that’s rare in an ordinarily mercenary industry.

Apple delivers your cash-back rewards at the top of every day, rather than the standard month-long billing cycle.

And

Apple doesn’t charge late fees, an annual fee or foreign transaction fees.

 

2. The simplest Mastercard for college kids :

 

Discover it Student Chrome

 

▪ Standard APR : 12.99% to 21.99% (0% for the primary 6 months.)

▪ Penalty APR : None.

▪ Late payment fee : Up to $40.

Annual fee : $0

▪ Cash back rewards : 2% on gas and dining, up to $1,000 in combined purchases each quarter; 1% on all other purchases.

▪ Foreign transaction fee : 0%

▪ Stand-out feature : No late fee for first late payment.

▪ Eligible requirements : No credit history required, proof of income.

The Discover it Student Chrome offers a winning combination of money back and other rewards also as lenient terms for first-time Mastercard holders.

You won’t get dinged for a late payment — a minimum of the primary one — or need to affect an exorbitant penalty APR. And getting 1 to twenty back in rewards monthly may be a welcome bonus.

The Discover it Student Cash Back Mastercard, but the rotating bonus categories make things overcomplicated, especially for first-time cardholders.

 

3. Best Mastercard for travel rewards :

 

Capital One Venture Card

 

▪ Reward rates : 2x miles on everyday purchases, 5x miles (hotel and hire car only) made through Capital One Travel.

▪ Annual fee : $95

▪ Welcome bonus : Up to 100,000 miles.

▪ Bonus redemption threshold : Spend $20,000 in the first 12 months to earn 100,000 reward miles, or spend $3,000 within the first three months to earn 50,000 miles.

▪ APR : 17.24% to 24.49% variable.

▪ Foreign transaction fees : None.

▪ Credit requirement : 720 to 850

 

The Capital One Venture may be a straightforward, easy-to-use Mastercard for booking travel with rewards points.

And

Those reward point’s are generates whenever you spend — so there is no got to worry whether a specific category is eligible.

Though the utmost bonus redemption threshold is high on this travel card — spend $20,000 within the first 12 months — the 100,000 reward miles are significant, especially given the relatively low annual fee.

 

4. Best Mastercard for Amazon and Whole Foods shoppers :

 

Amazon Prime Rewards Visa Signature Card

 

▪ Reward rates : 5 percent on Amazon, Whole Foods; 2 percent at restaurants, gas stations, drugstores; 1 percent on everything else.

▪ Annual fee : $0

▪ New member bonus : $100 Amazon Gift Card.

▪ Bonus redemption threshold : Card approval.

▪ Credit requirement : 580 to 850

Intro APR : None.

▪ APR for purchases : 14.24 percent to 22.24
percent variable.

▪ APR for balance transfers : 14.24 percent to 22.24 percent variable.

▪ Balance transfer fee : 5 percent (minimum of $5).

 

These rewards card may be a must-have for anyone who shops regularly on Amazon.

And

As long as you’ll buy almost anything on Amazon — 5% back on all eligible purchases there’s pretty sweet.

The rewards card also features 2 percent cash back at restaurants, gas stations and drug stores and 1% on everything else. (Note that Amazon offers a basic, non-Prime member card that features 3% cash back on Amazon purchases; but if you’re spending quite $250 per month at Amazon or Whole Foods, you ought to be a major member.)

 

5. Best cash-back card :

 

Chase Freedom Unlimited

 

▪ Reward rates : Unlimited 1.5 percent cash back on all purchases and 5 percent cash back on travel, 3 percent cash back on dining, 3 percent cash back on drugstore purchases.

▪ Annual fee : $0

▪ New member bonus : $200

▪ Bonus redemptions threshold : $500 in 1st three months.

▪ Credit requirement : 670 to 850

▪ Intro APR : 0% on purchases (15 months.)

▪ APR for purchases : 14.99% to 23.74% variable.

▪ APR for balance transfers : 14.99 percent to 23.74 percent variable.

▪ Balance transfer fee : 5% (minimum of $5).

 

Most of the simplest cash-back cards offer an easy, flat rate and no fees.

Recently, the Chase Freedom Unlimited Mastercard gave you all of that — a flat rate of 1.5% cash back on all purchases, without a spend­ing limit, no annual fee and versatile redemption policies.

In September 2020, however, the Mastercard company improved thereon deal, adding a touch little of worthwhile complexity and ratcheting up the reward rates on travel (5%) purchased through Chase Ultimately Rewards points, dining (3%), and drugstore purchases (3%).

While it’s not the only, we expect it is the best cash-back card for many people.

 

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6. Best Mastercard for balance transfers :

 

US Bank Visa Platinum

 

▪ Introductory APR : twenty months of 0% APR for balance transfers and purchases.

▪ Standard APR : 13.99% to 23.99%, variable.

▪ Penalty APR : None.

▪ Introductory balance transfer fee : N/A.

▪ Standard balance transfer fee : 3% or $5, whichever is bigger.

▪ How long you’ve got to form transfers : 60 days.

▪ Credit requirement : 680 to 850

▪ Annual fee : $0

 

Paying down Mastercard debt are often exhausting.

A balance transfer master card, offers you a comparatively cost-efficient opportunity to catch up.

The US Bank Visa Platinum offers one among the longest zero percent introductory APR periods — 20 months — combined with one among rock bottom fees, 3%.

 

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