So you're looking for the best credit card, and you're having a hard time deciding which one is best for you. You likely have a good credit history, so you want something more sophisticated, but you still want to be financially responsible. In short, you want a credit card that will give loads of perks that busy people like you can enjoy—and that your families can enjoy, too! Following, find the top four midlife credit cards.
This credit card is ideal for those of you who have excellent credit and are frequent travelers. This card rewards you with 1.25 miles per dollar you spend on every purchase, every day. These miles can be redeemed for airline tickets, car rentals, hotel rooms, and other travelling expenses. The even better news is that there's no limit on the miles you can earn, and they never expire. Furthermore, this card comes with a 0% APR on purchases until February 2012. Find yourself travelling all the time, whether for business or pleasure? Then look to this card for the ultimate travelling rewards.
If cashback rewards are more your style, then this card is for you. When you make $500 worth of purchases within your first three months, you can earn a $100 cashback bonus! During the holiday season, you are rewarded with a 5% cashback bonus on department store, clothing store, and restaurant purchases. During the rest of the year, earn a 1% cashback bonus on all your purchases. Furthermore, enjoy 0% APR on balance transfers for twelve full months as well as 0% APR on purchases for six full months when you sign on with this Discover card.
This is another credit card perfect for frequent travelers, particularly those that tend to stay in Starwood hotels such as the Sheraton. For every dollar you spend at Starwood Preferred Guest Hotels and Resorts, you earn four to give Starpoints. You're given the opportunity to earn up to 25,000 Starpoints through this credit card. Starpoints can be redeemed for free nights at more than 1,000 hotels in approximately 100 countries as well as free flights on more than 350 airlines. And this is all with no blackout dates!
This credit card is a different kind of rewards card—it rewards cardholders for staying within their credit limit and paying on time. After you sign up for paperless statements and spend $250 in purchases within the first three months of your account opening, you can earn up to 8,500 bonus points! You also earn five ThankYou point for every dollar you spend on entertainment and restaurants as well as one reward point for every dollar you spend on other purchases. These reward points can be redeemed through the ThankYou network for gift cards, cash, and more. If you're a responsible cardholder, then this is the rewards card for you.
These are the four best midlife credit cards. Depending on your lifestyle and the needs of your family, you're sure to find a winner amongst these cards!
Good programs to consider for all of us, mid-life or not!