The Best Credit Cards in 2014 For Everyday Use and Spending
 
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The Best Credit Cards in 2014 For Everyday Use and Spending

There are really two main types of credit cards we should consider. The first are cards that we intend to use for everyday purpose because they either allow us to earn more rewards or/and have a great reward program. The second type of cards we should consider getting are those that offer one-time mega sign up bonuses. In this section, our recommendations is for the first category (ie these are cards recommended for everyday use). If you are looking for great sign up bonus deals, our credit card special deals page will have a list of the best deals at the moment. Another caveat we have to mention is that we do not highlight any airline or gas specific cards because of their narrow niche. So without further delays, here is our Editors Choice List.


Category: Cash Back

For everyday use, nothing beats the Blue Cash Everyday® Card from American Express for earning cash back. If you use your credit card at US stand-alone supermarkets, US stand-alone gas stations and select major department stores, then you really should check out this card. With gas and food prices rising, this card will help you get some cash back from these purchases.

Another card that we highly recommend to earn cash rewards is the Discover it® Card because of it's 5% cash back bonus feature where you can earn 5% cash back on various categories every quarter. Furthermore, I think that they have the best online shopping portal as they let you earn between 5% and 20% with their merchant partners. This card makes a great combination with the Blue Cash Everyday mentioned above.

 

Category: Frequent Flier

The Starwood Preferred Guest® Credit Card is one of the most popular credit cards among the really frequent fliers and travelers. This is because it has probably the best hotel reward program, and the main attraction is that you can use their points for air miles in a couple of ways. Firstly, you can transfer points you earn to airline partners. Furthermore, you get a 5,000 airmiles bonus if you transfer 20,000 points into miles. Effectively, you only need 20,000 points or miles to get a free domestic flight (since most require 25,000 miles!). Or you could also book your airline tickets through Starwood (the program is called StarFlights). Starflight allows you to use a certain amount of points for tickets up to a certain value and I must say many will find this system attractive as most credit card reward programs have gotten away from this. Many American Express Centurion and Platinum cardholders also carry this card.

The American Express® Premier Rewards Gold Card is one of the rare cards that actually lets you earn triple points on airfares. In this aspect, it is even better than the Platinum or Centurion Card.