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Best credit cards I use in 2016


My top five credit cards for rewards, balance transfers and cash

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US Bank EDGE Visa Business cash back credit card

Why this card is one of the best for me?
I opened this credit card in 2013 and use it a lot since then. I pay phone bills, buy gas and purchase office supplies with this card because it gives me 3% cash back. Every year my rewards are over $100 in cash which I deposit to my savings account.
This credit card has 1% cash back on all purchases, but I pay for most products and services with other, most rewarding credits cards.

Chase Freedom Visa signature credit card

Why I consider this credit card as one of the best for me?
Chase Freedom credit card has a lowest balance transfer fee of all credit cards I own. In addition, Chase periodically sends me 0% APR for 12 months promotional checks which could be simply deposited to checking account. Using 0% interest promo checks from Chase credit card is the best way to get cash with a lowest annual percentage rate. For every $10,000 borrowed for a year or shorter period of time, I pay $200 or 2% fee. Since 2011, I used these low APR checks few times, and it worked well for me.
It is a rewards credit card which gives 1% cash back on all purchases, but now I do not buy much on this card.

Citi Simplicity MasterCard

Why this credit card could be the best for you?
Credit card with longest 0% APR on purchases and balance transfers. This is one of my newest credit cards. If you have high interest balances, it might be a great option to reduce interest payments because Citi Simplicity offers 21 month 0% on balance transfers and purchases.
The high chances are after promotional period I won’t be using this card much because there are no rewards, but for now it is a great solution to put some balance on this credit card and not to worry about overpaying for interest charges.

US Bank Cash+ Visa Signature credit card

Why I pay with this credit card?
With Cash+ Visa I can choose 5% cash back on my first $2,000 net purchases each quarter in two categories, which are changing every three months. There is also 2% cash back category to choose and 1% cash back on everything else. To get the most from this card, I plan what are major purchases I have to make and choose category to get the most rewards.

Citi Double cash credit card

Why this credit card is good for me?
There are no great rewards come with this card, but it is simply 2% cash back every time you use this card. Make a purchase – get 1% cash back, pay for it – get other 1% cash back. I use this card occasionally when none of four listed above gives me better rewards.


There are certainly other credit cards with good rewards, 0% APR on balance transfer and purchases plus $0 annual fee. But I found, it is not easy to manage over five credit cards every month. I benefit from those credit cards by getting 3% to 5% cash back on most of my purchases. In addition, I can easily get an extra cash paying only 2% fee.