Best US Credit Cards

The best US credit cards are American Express, Discover, Visa, and MasterCard. These cards offer excellent benefits and rewards to their cardholders. Benefits are available immediately after a person receives their credit card. Even if the person already have one of these cards they can still enroll in any of the reward systems that these credit offer issuers sponsor. The most useful benefits for some people are the cash back rewards. This incentive actually puts money back into the pocket of the consumers.

Many department store merchants participate in this program. The consumers typically get back 1% - 4%, or perhaps more cash back, on selected purchases. Some cash back percentages may be higher depending on the sponsor. Some people do a lot of shopping in an average month, with this being the case they can really accumulate a large amount of extra cash at the end of the year or month. This money is automatically placed on the qualifying credit card to be spent anyway the consumer wants to spend it. Another great incentive that these credit cards offer is the car rental program. Individuals can rent cars for a lot less than regular price. These credit cards comes with quite a few built in features. For instance, Visa offers an emergency cash disbursement and zero liability for their credit card users. American Express has 5 percent cash back and their consumers receive their credit annually.

Many people travel a lot for business purposes. Their credit card allows them to accumulate and enjoy frequent flyer points. These points are redeemable toward the purchase price of a regular price airplane fare. Customers can even earn enough points to receive a free trip. Credit card usually comes with free life insurance options. The credit card manufacturers offer consumers life insurance or accidental insurance options. It' usually free for the cardholder, but there is a charge for additional family members.

Almost all credit cards have the built in anti theft / anti fraud protection insurance. This insurance pays for unauthorized charges on the consumers account. Many insurance companies offer 100 percent reimbursement. So many credit card holders are targets for theft and identity theft. Thieves steal millions of credit cards each year, causing cardholders a lot of disappointment. By enrolling in a credit, monitoring program consumers receives a daily report of their account activity. The best US credit cards are the ones with the best incentives.