Apply for the SBA PPP forgivable loans HERE!


What is the best credit card?

In truth, there is no one-size-fits-all card; the best credit card for you depends on your goals and lifestyle. That’s why the experts at have compiled a list of the best cards in each major category, from cash back and travel rewards to balance transfers and more.

Explore our top picks from our partners and find the best credit card for you.

Choose a card by category:

Balance Transfer

Save money on paying down debt
Balance transfers are the best way to save money if you have good or excellent credit history but carry a balance on your card. With a high interest rate, it can take decades to pay off your debt, but with a no-fee intro 0% interest rate on balance transfer offer from a reputable bank, you'll pay off your balance much faster.

Travel & Airline

Mileage accumulation
If you're the traveling type, you want to earn as many miles as you can with every purchase you make. With a travel rewards credit card you can travel around the world, earning free miles every time you use your card.

Secured Credit Cards

Perfect for bad credit
Think of it like a security deposit you'd put down on an apartment. The bank protects itself, while still letting you build up your credit history. It's a win-win situation.

Cash Back

Earn $ for heavy credit card use
A cash back card is something that a lot of people want for themselves. It's fairly simple in use and extremely effective in terms of rewards gaining. Cash back credit cards can be available to people with even a modest credit score.

0% APR

Interest free savings
If you want to shop to your heart's content and enjoy introductory 0% interest rates on all your purchases, we have plenty of cards to choose from. Use your credit card to get amazing deals that lower your purchase price and let you pay it off over several months, interest free!

Limited or No Credit History

Start building credit now
When you apply for a credit card, the bank wants to see your credit history and be sure you're a good risk - so what if you have limited or no credit history? The card for limited/no credit history may not come with many perks, since their main purpose is to give you an opportunity to build credit.


Rewards and perks driven
Best business cards are the ones that can help you keep track of your business expenses, save on card purchases and interest, earn rewards, or even travel for free. Today applying for a business credit card is a wise decision that will pay off.


Achieve savings with milestone rewards
A cash back card is something that a lot of people want for themselves. It's fairly simple in use and extremely effective in terms of rewards gaining. Cash back credit cards can be available to people with even a modest credit score.

Bad Credit

Kickstart your credit recovery
Sometimes unexpected things happen in life and you get in over your head. Whatever the reason for your bad credit history, the first step toward repairing it is applying for a card made especially for your situation and then, if approved, making timely payments and keeping account balances low relative to the credit limit with all your creditors.

IMPORTANT: Although we recommend having a few credit cards, we also recommend using them responsibly and maintaining a revolving balance of below 30% of your actual credit card limit. There are many benefits to having credit cards other than free money and rewards!

Common Benefits of these Credit Card Offers

  • Auto rental insurance
  • Extended warranty program
  • Travel accident insurance
  • Purchase protection
  • Price protection
  • Lost Luggage reimbursement
  • Concierge service
  • Roadside assistance
  • Free credit score

Factors to consider when choosing the best credit card

When you are ready for a new credit card, you'll first want to identify which type is right for you. With the right card, you can earn hundreds of dollars per year, build your credit or enjoy special travel benefits. Here are 7 questions to ask yourself in your endeavor to choose the best card.
Want to build credit?
Most credit cards, including cards for authorized users, allow you to build credit. But check with the card issuer to make sure they'll report your credit habits to the 3 major credit bureaus. Cards for consumers with bad or thin credit can help with this.
Paying a lot of interest and fees?
A balance transfer card helps take away the sharp edges of credit card debt, although you still need to pay off the balance before the 0% intro APR offer ends.
Willing to strategize your spending?
With new credit cards being offered or revamped every month, it's worthwhile to take a look at what's in the marketplace and how you can maximize your rewards. Four in 10 Americans told us in our 2018 favorite cards survey they have never changed their favorite card, and that's a terrible idea. Instead, by updating your wallet, you can use the best card for the best situation and max out your rewards.
Specific categories you often use?
Some cards, such as the Amex Blue Cash Preferred, offer improved rewards year-round on such categories as gas and groceries.
Want to use it and forget it?
For those of us who don't want to think about our shopping rewards, some travel and cashback cards reward at a flat rate for all spending.
Travel your thing?
If you plan to travel often (or even occasionally), some cards reward for worldwide travel and restaurants, such as the Chase Sapphire cards. Flat rate travel cards are also available.
Have a favorite brand?
Express yourself with a card that delivers miles for using your hotel or airline brand of choice.
Enjoy convenience
Even if you have great credit, a credit card is a great financial choice for the consumer on the go. Imagine just grabbing your keys, driver license and credit card on the way out the door. Nothing easier, right?
Novae is a financial services & training company founded in 2014. We serve clients across all 50 states.

We provide the following services:
  • Personal Finances
  • Business Services
  • Business Finances
  • Entrepreneurship Opportunities

Get in touch with us

Office Address:
Novae, LLC
1257 Commercial Drive SW Ste B
Conyers, Georgia 30094

Phone: (678) 750-3787
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Customer Service Hours:
Mon - Fri: 10am to 4pm EST

Stay Connected

We Proudly Accept

© 2021 Novae - All Rights Reserved