Top Credit Cards

Top Credit Cards

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How to choose a credit card

Prioritize your needs

The most important thing to do when you are applying for a credit card is to choose whether you want a
cashback credit card/airmiles/travel rewards credit card.

By identifying your priorities, you are able to get maximum benefits from your spending.

The typical cashback percentage for most banks is 1 - 1.5% depending on your credit rating and how much you
spend on an annual basis on your credit card. This type of card is good if you are interested in getting a percentage
of your credit card spend back.

If you love to travel though, you get a lot more value if you choose an airmiles credit card. The main reason for this is
credit card companies like Visa/Mastercard are able to get a heavy discount when they purchase air miles from credit card
companies due to the volume of air miles they purchase.

The credit card companies pass on this discount to you when you choose to get airline miles. For example, if you spend 100,000
annually on your credit card, you can choose to either get $1000 cashback or approximately 20,000 airmiles or so.

Depending on when you travel, if its during the offseason, 20,000 airmiles allows you to fly halfway around the world while it would
cost close to 1,500 if you bought this ticket with actual cash.

Before you apply for a credit card, please ensure you are able to pay off the balance each month as the monthly interest is very high.
Do NOT apply for a credit card and treat it as a loan.

Top 2 Credit Card Offers

Here are the best credit cards to sign up for if you spend enough money annually on your credit card.

The Plum credit card from American Express is great for cashback as they offer 1.5% for early repayment and it also has a high spending limit.
You can apply at

Another good offer is the Chase Freedom Unlimited card. This credit card has a 3% cashback up to $20,000 for the first year. From the second year
onwards, it is 1.5% cashback. There is no annual fee, you can apply at