​Best Credit Cards For Consumers​​

By: | 05/09/2021 04:36 PM ET

Best Credit Cards - Companies that offers credit cards with zero liability are the best deals. This means that if your card is stolen or lost, you won’t have to pay for any charges that you didn’t authorize. This is a very important option than carrying cash.

Best Credit Cards

It’s also handy since it’s easy to get a replacement quickly. Also, if there’s any charge dispute with a less than reputable merchant, you can solve it easier if you use a credit card. The best credit cards should have low or no currency exchange fees when traveling abroad.

Most card companies will honor reward points that you can earn on discounts on purchases in other countries. This is true at hotels and restaurants. Some cards also offer creative ways to separate corporate expenses from your personal ones.

You have a lot of options out there to choose a credit card. The best ones come with the most benefits. American Express is good because you can earn cash-back and only pay one annual fee. There is no interest involved, unless you don’t pay the balance in full at the end of 30 days.

Another benefit is car rental insurance. It’s very common for companies to offer the benefit when using their card. Discover includes an air travel accident insurance for airfare. It covers the holder for injury, accident and even a payment to your estate in case of death.

Chase offers the possibility to get up to $300 reimbursement if your baggage is delayed so you can pay for the essential replacement items. This is a good benefit. Not all bags are lost, but when they are, it’s good to have a backup plan.

American Express has a very good world-wide assistance which can help with everything from lost wallet to a medical insurance. If you lose the card, they will replace it in 24 hours. Their customer service is excellent.

Capital One and Discover don’t charge any fee for foreign transactions. Visa and Mastercard charge 1% but individual issuers would add to that sum. American Express charges 2%.