What are the common features in the best credit cards?
Answered on Friday, October 6th, 2017 by
Updated: October 6th, 2017
Amy Miller
The content is accurate at the time of publication and is subject to change.

With so many credit card issuers, there is quite a lot of competition between credit card companies to get customers, especially those with decent and good credit ratings. Millions of new credit card accounts are approved by all the credit companies every year. However, deciding upon the best credit cards could be quite confusing for the customers, which is why they should look for certain features which are common to the best credit cards.

The best credit cards are always characterized by their lower interest rates. The credit cards with the lowest rates are offered to those who have the best credit history. Lower the annual percentage rate, lesser will be the interest one will have to pay in case, there was an outstanding balance after the billing cycle. However, for those who believe in regularly making all their bill payments, the annual percentage rate doesn`t really matter. For those customers, the best credit cards are those which have good rewards such as cash back offers, airline miles and discounts at reputed hotel chains and restaurants. The best rewards and the highest percentage of cash back offers are once again reserved for those customers who have the best credit rating, which is why maintaining a very good credit history is extremely important.

The best credit cards also provide very good security and protection measures. To start with these credit cards offer zero liability insurance, which will allow credit card customers deny payment of fraudulent transactions which appear on their monthly expense report. There is also round the clock monitoring of the card to detect any fraudulent use, which when found leads to the card being frozen immediately, along with an alert message for the credit card owner.

The best credit cards also provide very good customer service and support all the time. In fact some of the cards offer a hotline number on which the customer can call to report a lost or stolen card immediately. This will ensure that there is no misuse of the card and it is replaced as soon as possible to prevent any sort of inconvenience for the credit card customer. The best credit cards also provide insurance to the customers especially for travel. Coverage is provided for accidents or even for unfortunate events like lost or misplaced baggage during travel, which would normally put the customer in a lot of discomfort. The best credit cards, hence always aim to solve problems for the customers instead of creating new ones.

Use our Card Match Tool to find the best credit card offer for you.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Other Popular Best Credit Card FAQs

A credit card with 0% intro APR, rewards program and 0% annual fee would be a good option for you. For example, the Discover it® Cash Back credit card has all those benefits.

Continue »

If you fly Finnair often (at least two or three times a year) a Finnair Plus Mastercard may worth it because the card has travel benefits like lounge access and inflight savings. However, if you do not fly with Southwest often, we recommend you consider travel credit cards and without an annual fee. For example, […]

Continue »

Thank you!

Your question has been successfully sent!

What is your question?
Please, enter your question and contact information so that we can send our answer to you by e-mail.
Please fill in all the required fields.
            
Best Credit Offer
Discover it® Cash Back
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 5 / 5
Copyright © 2001-2018 BestCreditOffers.com All Rights Reserved.

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by BestCreditOffers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.

You've successfully subscribed!

Please specify the following:All these fields are optional

Thank you for providing this information! We will make sure our letters are useful for You.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.