In today’s world, a credit card is owned by almost everyone and it is very important as it helps you to carry out your transactions at ease. There are hundreds of prepaid credit cards available today, but one should be aware of several factors before applying for a credit card. Is the card good enough? What makes a credit card best? On the

Is the card good enough? What makes a credit card best? Here is a look at how you can choose the best credit card.

Look at the features

On the outside, every credit card looks the same plastic card with a colourful attractive design. But, one should thoroughly review each card and look after the factors like rewards, Annual Percentage Rate (APR), annual fees, cash back and other offers before selecting a card.

Go for what’s free!

Cards with no annual fees, low APR for the introductory period, high percentages of cash back and other promotional offers usually tops the list of top prepaid credit cards.

What are the extras?


Factors like bonus offers, fees charged for various transactions, payment network used by the card and other benefits like extended warranties, purchase protection, different types of insurance, customer service, price protection etc. should also be considered while choosing a good travel credit card.

Here is a look at some of the best travel credit cards you can buy today.

1. Chase Freedom

Issued by the leading global financial services firm, JP Morgan Chase, Chase Freedom is the one of the most highly rated cashback credit card. It doesn’t have any annual fees and has low Intro rate and 0% Intro APR for the first 15 months on balance transfer and purchases. The variable APR ranges between 13.99% – 22.99% after the Intro period and offers 1% unlimited cashback on every small or big purchase. Under the bonus categories which changes every quarter, it allows you to get a 5% total cashback on up to $1500 in combined purchases. For new users, Chase Freedom offers a $100 bonus

For new users, Chase Freedom offers a $100 bonus cash back, if you spend $500 on purchases within the first 3 months after you open the account. It also offers a $25 cashback once you add an authorized user and make a purchase within the first 3 months. The balance transfer fee is also 3% of the amount transferred. It is one of the best cash back prepaid credit cards to apply for 2016.

2. BankAmericard Cash Rewards™ Credit Card

It is one of the best cash back prepaid credit cards for 2016 and is issued by Bank of America. Along with no annual fees, it offers intro APR for balance transfers and purchases. In fact, it offers 0% intro APR on purchases for 12 billing cycles and again a 0% intro APR on balance transfers for 12 billing cycles. Variable APR ranges between 12.99%- 13.99% and allows a 10% customer bonus every time one redeems the cash back into the Bank of America® account. This bonus may increase between 25%-75% if you are a preferred rewards client. It offers you a $100 online cash reward bonus if you spend $500 on purchases within the first 90 days of

This bonus may increase between 25%-75% if you are a preferred rewards client. It offers you a $100 online cash reward bonus if you spend $500 on purchases within the first 90 days of the opening of the account. It also offers 1% cash back on every purchase, 2% and 3% cash back at grocery stores and gas station respectively, for the first $1500 in combined purchases every quarter. Also, there is no expiry on the cash back in your account.

3. Blue Cash Everyday® Card

Blue Cash Everyday® Card is issued by American Express and has no annual fees. For the new users, it gives you a $100 cash back on successfully spending $1000 on purchases within the first 90 days of membership. It also allows you to earn 3% cash back at US supermarkets up to $6000 per year and then followed by 1%. It also allows you to earn 2% cash back at US gas stations and few select department stores and also a 1% cash back on all the other purchases. The cash back is received in the form of reward dollars and can be redeemed as a statement of credit. It offers 0% intro APR on balance transfers and purchases for the first 15 months and thereafter, variable APR ranging between 12.99%-21.99% applies.

The cash back is received in the form of reward dollars and can be redeemed as a statement of credit. It offers 0% intro APR on balance transfers and purchases for the first 15 months and thereafter, variable APR ranging between 12.99%-21.99% applies.

4. Capital One® Venture® Rewards Credit Card

It is one of the best-prepaid credit cards for frequent travellers who want to save some bucks while travelling. Issued by Capital One, it offers a one-time bonus 40000 miles, equivalent to $400 in travel, if you spend $3000 on purchases within the first three months. It has no annual fees for the first year, but an annual fee of $59 is required after that. It allows one to earn unlimited 2X miles per dollar on every travel purchase. The regular variable APR varies between 12.9%-22.9%. It allows you to travel anytime you want without any blackout dates and has zero foreign transaction fees allowing you to make purchases outside the US without any additional cost. It offers fraud coverage which gives you $0 fraud liability in case of lost or stolen card. It provides extended warranty and special shopping discounts at some select retailers and merchants. This credit card can also be used with Apple Play® to make smooth purchases.

It allows you to travel anytime you want without any blackout dates and has zero foreign transaction fees allowing you to make purchases outside the US without any additional cost. It offers fraud coverage which gives you $0 fraud liability in case of lost or stolen card. It provides extended warranty and special shopping discounts at some select retailers and merchants. This credit card can also be used with Apple Play® to make smooth purchases.

5. Citi Simplicity® Card

It is one of the top rated 0% balance transfer cards and offers 0% intro APR on purchases and balance transfers for a period of 21 months. The variable APR after the introductory period varies between 12.99%-22.99% based on creditworthiness. One of the most amazing features on this card is that it has no annual fees, no late fees, and no penalty rates. It also offers a 24×7 customer care support for any assistance and queries. The balance transfer fee is a minimum of 3% or $5 (whichever is greater) when compared to 5% charged by some credit cards making it one of the most preferred

It also offers a 24×7 customer care support for any assistance and queries. The balance transfer fee is a minimum of 3% or $5 (whichever is greater) when compared to 5% charged by some credit cards making it one of the most preferred choices for 2016. It sends you automatic alerts to keep you updated about your latest transactions. It also provides extended warranty, travel & emergency assistance, and worldwide car rental insurance.

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