Most Recent Updates from Credit Card world.

All blogs have various links and posts which often gets outdated fairly quickly. It is a pain to maintain them so I am going to maintain this link as the most go to place in the internet - the one with THE facts about the most recent and up to date news related to the best credit card and reward program out there. I will maintain it on a day to day basis. So any time tweet or any online talk forum talks about it, I would come here and update it as long as it is the best deal out there. As is the nature of this blog, I am not linking to any affiliates nor any parent companies. If at all required, I will directly link to the bank which issues the credit card. This helps the site stay hygenic.

Without much adue, the best credit card program out there today for bonus is:

Personal Sign up Bonus:

Chase Saphire Preferred (fees waived for first year)

Barclays Arrival+ Card(fees waived for first year)

American Express Gold/Platinum (if you dont mind the fees)

Personal Ongoing Basis:

American Express Cash (Old one gives 5% cash back after $6500): Nice rewards, category bonuses and a simple, basic card

American Express Blue Cash Preferred (6% upto $6500): Has annual fees but nice rewards!

Chase Freedom : Nice rewards, category bonuses and a simple, basic card

Discover It : Nice category bonuses

Bank of America Cash Rewards - Neat and clean reward structure

Business Sign up Bonus and ongoing basis:

Chase Ink+ Card

Chase Bold Card

Face it, at one point the bonuses are going to dry up or you are going to be banned from applying. So the best way to evolve and graduate to next level would be to get the cards with good rewards on ongoing basis. So say you load up lots of gas, then go for the 5% gas rewards card. As you can see, there is no one best card. Different cards do different things well. As a consumer, you cannot jugle between cards frequently. Hence, it makes sense to keep a few of them for specific purposes. For instance, if you shop at Brooks Brothers, no card from any issuer is going to beat their store brand card. No card will beat the Exxon Rewards in Exxon Mobil Stations. So, individual spend matters a lot and this blog will just list down all the cards. It is your job to find the best offers and best cards that suit you! Having said that, we will make it obvious and the above cards are something that would perform well on an average basis. These are kind of the o(log n) algorithm average case performance. For the best constant time performance, analyze your spend using tools such as Mint.com or YNAB  and then target anything over $200 for niche rewards.