Navigating the world of credit cards can be a confusing task. Any small move, like choosing the wrong card, could have a big impact on your finances for years to come.
Further complicating this process is the wide range of banks, merchants, and credit card companies each one representing their own ideas about how you should use your credit card. This leads us to our next point….
This guide for the Best Credit Card for Conservatives is designed with your financial interests at heart. It was created to simplify the process of finding a credit card that matches your personal spending habits and takes your conservative views into account.
We screen over 100 top credit cards in order to find the best options for you. By allowing you to explore only what fits your lifestyle and needs, we give you the power back through information, not intimidation or confusion!
Here is a list of the ten best credit cards for conservatives in 2022 in no particular order:
- The Platinum Card from American Express
- Chase freedom Flex
- Chase Sapphire Reserve
- Amazon Prime Rewards Visa Signature card
- Wells Fargo Active Cash Card
- Capital One Venture X Rewards Credit Card
- Chase Sapphire Preferred Card
- United Club Infinite Card
- Aeroplan® Credit Card
- Hilton Honors Aspire Card from American Express
We will discuss in-depth why these cards are the best for conservatives and what they have to offer. Stay on the page because it will give you the information you need to select the right credit card company if you haven’t already. If you have, consider getting another card that suits your needs now or in the future.
Ten Best Credit Card for Conservatives
These various cards come with different offers, rewards, and benefits. Check them out.
The Platinum Card from American Express
Offer: as a welcome offer, you get 100,000 membership rewards points in the first six months of card membership after spending $6,000 on purchases.
Annual fee: an annual fee of $695 is charged to this card
Rewards: flights booked directly with airlines or the American express travel gets five membership rewards points per dollar on up to $500,000 yearly. Prepaid hotels booked with American express travel get 5 points per dollar, and other eligible purchases get a 1point.
Benefits and drawbacks:
- Access to a good number of different airline lounges
- Cardholders receive up to $200 in airline incidental statement credits with the eligible airline they choose yearly valid for purchases, including checked bags and seat selection.
- Lifestyle benefits with enrollment
- The cardholder receives a statement credit to cover the Global Entry application fee or TSA precheck and annual CLEAR membership and about $200 yearly in Uber credits.
- This card offers Gold status with both Marriott Bonvoy and Hilton Honors with enrollment.
FIND MORE INFO ON THE OFFICIAL SITE
Chase freedom Flex
Offer: as a welcome offer, you get a $200 bonus in the first three months of opening an account after spending $500 on purchases.
Annual fee: no annual fee is charged to this card.
Rewards: requiring activation is a 5% cashback on up to $1,500, 5% on travel purchases made through Chase Ultimate Rewards, 3% on drugstores and dining, and 1% on all other purchases.
Benefits and drawbacks:
- Cell phone protection when you pay your cell phone bills using this card each month
- No annual fee
- Activation of quarterly bonus categories
- No foreign transaction fee charged to this card
FIND MORE INFO ON THE OFFICIAL SITE
Chase Sapphire Reserve
Offer: as a welcome offer, you get 5,000 bonus points in the first three months of opening an account after spending $4,000 on purchases.
Annual fee: an annual fee of $550 is charged to this card
Rewards: you get 10 points per dollar on car rentals and hotels and 5 points on air travel when purchasing travel via chasing ultimate rewards immediately after the first $300 on travel purchases is spent that year. On other traveling and dining, you get 3 points per dollar and 1 point per dollar on other purchases.
Benefits and drawbacks:
- Priority Pass airport lounge membership which also includes airport restaurant locations
- Reward points are transferable to a good number of travel partners which includes a world of Hyatt and united airline MileagePlus
- You can redeem points on chase’s portal or via the pay yourself back feature (they are worth 1.5 cents each)
- There are 300 travel credits applied when you make qualifying purchases.
FIND MORE INFO ON THE SITE HERE
Amazon Prime Rewards Visa Signature card
Offer: Amazon.com gift card immediately on card approval
Annual fee: prime membership on this card comes with no annual fee charged
Rewards: An eligible Prime membership comes with 5% cashback in rewards at Whole Foods Market and Amazon.com, 2% cashback at drugstores, restaurants, and gas stations, and 1% on every purchase.
Benefits and drawbacks:
- This card has a reputation for being a good card.
- This card is mostly beneficial to regular Whole Food and Amazon shoppers.
- The prime membership cost of $119 serves as the annual fee.
- No foreign transaction fee is charged to the card, making it great for traveling.
- You get insurance cover for travel accidents and baggage delays.
- It also has additional prerequisites like the visa signature’s luxury hotel collection and concierge services.
- Rewards can be redeemed as an Amazon credit with no minimum.
- Cash backs can be redeemed as a statement credit or direct deposit to a checking or saving account when your balance reaches $20 or more.
FIND MORE INFO ON THE AMAZON CARD OFFICIAL SITE HERE
Wells Fargo Active Cash Card
Offer: As a welcome offer, you get a $200 bonus in the first three months of opening an account after spending $1,000 on purchases.
Intro APR offer: you get a 0% intro APR for the first 15 months from opening an account on purchases plus qualifying balance transfers, then you get a 15.24% – 25.24% variable APR applied. One hundred twenty days balance transfers qualify for the intro rate plus a fee of 3%, then a fee of up to 5% with a minimum of $5 applies.
Annual fee: no annual fee charged to this card
Rewards: you get 2% cash rewards on purchases
Benefits and drawbacks:
- When you pay your cell phone bill with the Wells Fargo active cash card each month, there is cell phone protection.
- Charges foreign transaction fee
- It’sIt’s unique because of the APR offer and visa signature benefit
FIND MORE INFO ON THE OFFICIAL SITE HERE
Capital One Venture X Rewards Credit Card
Offer: as a welcome offer, you get 75,000 bonus miles in the first three months of opening an account after spending $4,000 on purchases.
Annual fee: an annual fee of $395 is charged to this card
Rewards: for all eligible purchases, you get 2 miles per dollar, 5 miles per dollar on flights, and 10 miles per dollar on rental cars and hotels when you book via capital one travel.
Benefits and drawbacks:
- The cardholder receives a priority pass lounge membership
- Access to capital lounges
- Global Entry / TSA precheck application fee credit after paying for the application fee via the card
- Offers up to $300 back yearly as statement credits for bookings through capital one travel
- 10,000 bonus miles on every card anniversary
- You’veYou’ve got the chance to earn various rewards
Chase Sapphire Preferred Card
Offer: As a welcome offer, you get 60,000 bonus points in the first three months of opening an account after spending $4,000 on purchases.
Annual fee: an annual fee of $95 is charged to this card
Rewards: 5 points per dollar when you make a travel purchase via chase ultimate rewards; on dining, you get 3 points per dollar, and other travel purchases 2 points per dollar, and on all other purchases, 1 point per dollar.
Benefits and drawbacks:
- There’s transferability of ultimate rewards to various hotel chains and frequent airline flier programs.
- When you redeem using a Chase travel portal or pay yourself back, each point is worth 1.25 cents.
- It is flexible and valuable.
- It provides best-in-class travel protection offers.
- You can earn Ultimate rewards quickly by combining the chase sapphire preferred card with chase freedom flex and an eligible chase ink business card.
United Club Infinite Card
Offer: As a welcome offer, you get 120,000 bonus miles in the first three months of opening an account after spending $6,000 on purchases.
Annual fee: an annual fee of $525 is charged to this card
Rewards: on united purchases, you get 4 miles per dollar on other travel, dining, and eligible delivery services, 2 miles per dollar, and 1 mile per dollar on all other purchases.
Benefits and drawbacks:
- Using the United Club Infinite card gives you access to the United Club lounges.
- Full United Club lounge membership, including access to Star Alliance lounges when flying a Star Alliances member airline.
- You benefit from exclusive access, including check-in and boarding, and free first and second checked bags.
- It offers travel and purchase protections, including delayed baggage insurance, lost and damaged baggage insurance, primary rental car insurance, trip delay, cancellation insurance, extended warranty, purchase protection, etc.
- TSA precheck or Global Entry application fee credit
Aeroplan® Credit Card
Offer: As a welcome offer, you get 2 flight reward certificates valid for up to 50,000 points each in the first three months of opening an account after spending $4,000 on purchases.
Annual fee: an annual fee of $95 is charged to this card
Rewards: you get 3 points per dollar spent on takeout and eligible delivery services, dining, grocery stores, and each dollar spent directly with air Canada which includes cruises and vacations, and also 1 point per dollar on all eligible purchases.
Benefits and drawbacks:
- Cardholders get their first and second checked bag for free and about eight companions when traveling on Air Canada.
- Offers about $100 statement credit to reimburse your global entry, NEXUS application, or TSA precheck fee every four years.
- No foreign transaction fee is charged.
- Offer insurance for trip cancellation, delay, interruption, lost or damaged baggage, baggage delay, and auto rental collision damage waiver.
- Offers good mileage earning and great additional benefits
- It offers a great way to earn miles.
Hilton Honors Aspire Card from American Express
Offer: As a welcome offer, you get 150,000 Hilton Honors bonus points in the first three months of opening an account after spending $4,000 on purchases.
Annual fee: an annual fee of $450 is charged to this card
Rewards: you get a 14 Hilton Honors bonus points at participating hotels or resorts within the Hilton portfolio, on car rentals booked directly from selected car rental companies, U.S restaurants, and eligible purchases for flights booked directly with airlines or American express travel get 7 points and 3 points per dollar on other eligible purchases
Benefits and drawbacks:
- The cardholder receives a priority pass select membership with access to more than 1,200 airports lounges worldwide, but this will require enrollment into the program with no access to priority pass restaurant locations.
- Offer top-tier diamond elite status in the Hilton program.
- Provides travel and purchase protection, including insurance for lost, stolen, damaged baggage and return protection
- Cardholders receive a free weekend night certificate when their card is renewed.
- Cardholders can have a good return for the annual fees paid when using the $250 Hilton resort credit and the $250 airline incidental credit of an eligible airline they select each year.
Best Conservative Credit Card Companies
Some companies have been recognized for their outstanding credit cards ranging from the sales price to annual fee, interest rate, specifications, how they interact with their customers based on their credit cards, and how they generally regulate their credit cards.
I have discussed some of the credit cards from these companies, and one can see how helpful and delightful it is to use their credit cards. This isn’t to say that other companies not mentioned aren’t great. However, the below companies do much better, in my opinion. These companies include:
- American Express
- Chase
- Wells Fargo
- Discover
- United Club,and
- Visa.
Best Credit Cards for Students
College students can also have access to credit cards. The need to pay for tuition is to pay for emergencies, which allows college students to have access to credit cards.
Some credit card companies seek to meet the needs of students and provide regulations that fit a credit card held by students allowing them access to credit cards from these companies.
Here are my top 6 Credit cards available to students:
- Discover it student cashback
- SBI student plus advantage card
- Kotak silk inspires card
- ICICI bank student Forex prepaid card
- HDFC Bank ForexPlus card
- Bank of Baroda financial prime card
FAQs
What is the best credit card company?
Several companies are recognized as the best. However, your idea of the best credit card company might differ from mine based on preference and needs. A company that offers traveling benefits on its credit card might seem best because I enjoy traveling. I have listed and discussed the ten best credit cards and several companies. Choose a card that best suits your needs and preferences.
Is it a good idea for a college student to have a credit card?
Students also have needs, so I believe it is a good idea. Aside from the need to pay for tuition, students can face emergencies that need to be attended to immediately. Having a credit card can help in such circumstances putting the student at an advantage. It is also great as it allows for the accumulation of rewards and cashback.
Which credit card is best for students?
Below are credit cards that are best for students:
- Discover it student cashback
- SBI student plus advantage card
- Kotak silk inspires card
- ICICI bank student Forex prepaid card
- HDFC Bank ForexPlus card
- Bank of Baroda financial prime card
Can you get a credit card at age 17?
Yes, a 17-year-old can get a credit card as an authorized user. However, to open a personal credit card account, an individual must be at least 18 years old. Having an independent source of income qualifies one to open a credit card account at age 18.
Conclusion
Credit cards have become very useful over the years as it allows customers to make expenditures and make repayments later. However, over the years, credit card users have been faced with overcharges by credit card companies which led to a cry out requiring credit card companies to maintain fairness and equity in dealing with credit card users.
In this article, I have outlined and discussed the ten best credit cards for conservatives/best credit card companies committed to maintaining balance and ensuring that customers get the best offer possible using their credit cards. It is on the 10 best credit cards for conservatives/ best credit card companies. I hope you found this helpful.
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