Best Credit Cards of 2019

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Now that we are officially in the new year, it makes sense that many individuals are looking for ways to take on 2019 in the best way possible. And what better way than choosing among the best credit cards of 2019?

Of course, not all credit cards are created equal–or for everyone’s needs. Depending on whether you want cash back for using the credit card, accumulating travel points that can make your next vacation as fun as possible, or luxurious sign-on bonuses, choosing among the multitudes of credit cards can be a daunting task. Luckily, we’ve managed to narrow down the best credit cards of 2019.

In this article, we’ll be taking a look at the best credit cards of 2019, especially those with hidden credit card benefits that you can access automatically with Sift.

These credit cards cater to different individual requirements:

The Best card for Dining and Price protection

The Best Cashback Credit Card

The Best Travel Credit Card

The Best card for Grocery Shopping

The Best Balance Transfer Credit Card

The Best Secured Credit Card

Let’s begin!

The Best card for Dining and Price protection


Capital One Savor card

Capital One Savor

Capital One Savor is an ideal card if you like dining out and entertaining guests. It offers an unlimited $4% cash back in this category, in addition, you get 2% cash back at grocery stores and 1% on all other purchases. This card covers you well when you buy concert, sports, and theatre tickets especially if you are going through Vivid Seats, as you can earn 8% cash back up to May 31, 2020.

In addition to that, as it a World Elite MasterCard card you get up 120 days’ worth of price protection – that the longest we have seen of any card. This means that if you buy something and the price drops – you can be reimbursed up to 3 months later.

You also receive an early spend bonus of $500 if you spend $3,000 within the first three months of opening your account. Also, the great news is that the first-year fee is waived and after that you only pay a $95 annual fee.

Shopping Credit Card Benefits

Price Protection: 120 Days

Extended Warranty: 2 Year

Purchase Protection: No

Extended Return: No

Travel Credit Card Benefits

Lost luggage reimbursement: No

Travel Accident insurance: Up to $1,000,000

Travel and emergency assistance services: 24/7, 365 days a year

Auto Rental Collision Damage Waiver: 31 Days

The Best Cashback Credit Card


Fidelity Rewards Visa Signature Card

Fidelity Rewards Visa Signature Card

Looking for a way to earn 2% cash back on every purchase you make with your credit card? Then look no further than the Fidelity Rewards Visa Signature Card. Every time you use this credit card, you earn points that are easily redeemable for cash value. Best of all, there are no limits on total reward points that you can earn, your points don’t expire and no restriction on the category. The icing on the cake is that this is a Visa Signature card with No Annual Fee.

Shopping Credit Card Benefits

Price Protection: No

Extended Warranty: 1 Year

Purchase Protection: 90 Days

Extended Return: No

Travel Credit Card Benefits

Lost luggage reimbursement: Up to $3,000 per trip

Travel Accident insurance: Up to $250,000

Travel and emergency assistance services: 24/7, 365 days a year

Auto Rental Collision Damage Waiver: 31 Days

The Best Travel Credit Card


Chase Sapphire Preferred credit card

Chase Sapphire Preferred

For those that have excellent credit and enjoy earning huge perks for spending for travel, the Chase Sapphire Preferred credit card is the right card for you in 2019. With a 60,000 sign-up bonus (this translates to up to $750 worth of value if used to book a hotel or airfare) after you spend $4,000 on purchases within the first three months of your account opening. It also comes with a number of really great additional travel benefits outlined below such as primary rental car reimbursement.

This credit card allows you to earn up to 2% in cash back when you eat out at your favorite restaurants or are on the move and 1% in cash back for all other purchases.

In addition, you get 25% more value in travel redemption when you redeem your points for airfare, hotels and car rentals through Chase Ultimate Rewards program.

This card does not have a foreign transaction fee which strikes one thing of your checklist list when shopping abroad.

Shopping Credit Card Benefits

Price Protection: No

Extended Warranty: 1 Year

Purchase Protection: 120 Days

Extended Return: No

Travel Credit Card Benefits

Lost luggage reimbursement: Up to $3,000

Trip Cancellation/Trip Interruption Insurance: Up to $10,000

Auto Rental Collision Damage Waiver: Primary coverage

Travel Accident insurance: Up to $1,000,000

Travel and emergency assistance services: 24/7, 365 days a year

Trip Delay reimbursement: Over 12 hours

Baggage Delay Insurance: Over 6 hours

The Best card for Grocery Shopping


Blue Cash Preferred card from American Express

Blue Cash Pre?ferred card from American Express

If you want to get cash back on groceries then Blue Cash Preferred is a must-have card.

If you’re wondering what kind of cash back you can expect, well you earn 6% cash back at US supermarkets, on up to $6,000 per year in purchases (then 1%). You also earn 3% cash back at US gas stations and 1% cash back on other purchases. The cash back is received in the form of reward dollars that can be redeemed as a statement credit, gift card or can be used for shopping at the listed retailers.

You receive a welcome bonus of $250 in form of a statement credit after you spend $1,000 in purchases on your card within the first 3 months of card membership (conditions apply). The gift card redemption starts at $25, so for the upcoming birthday, you can use your reward dollars to buy a present. You can also earn more rewards if you use this card to pay your monthly phone bills.

If you are worried about the annual cost of $95 then you should consider the additional benefits below

Shopping Credit Card Benefits

Price Protection: No

Extended Warranty: 2 Year

Purchase Protection: 120 Days

Extended Return: 90 Days

Travel Credit Card Benefits

Lost luggage reimbursement: No

Travel Accident insurance: Up to $250,000

Travel and emergency assistance services: Yes

Auto Rental Collision Damage Waiver: 30 Days

The Best Balance Transfer Credit Card


Wells Fargo Platinum Card

Wells Fargo Platinum Card

Is “Get Rid of Debt” on your list of New Year’s Resolutions? If so, then you’ll want to put the Wells Fargo Platinum Credit Card from Wells Fargo in your wallet. What makes this card such a great debt-relief tool is that you’ll receive 18 billing cycle featuring $0 interest on the transferred balance. To qualify for the introductory APR, the balance transfer request should be made within 120 days from account opening.

One great hidden perk we love about this card is if you pay your monthly phone bill with this card you are covered for damage and theft up to $600. This could save you a lot if you are already paying extra a month for insurance to your cellular carrier.

Shopping Credit Card Benefits

Cellular Telephone Protection: Up to $ 600 per claim and $1,200 per 12-month period.

Travel Credit Card Benefits

Auto Rental Collision Damage Waiver: 15 days

Travel and emergency assistance services: 24/7, 365 days a year

Travel Accident insurance: Up to $150,000

The Best Secured Credit Card


Capital One Secured Mastercard

Capital One Secured Mastercard?

If “Build My Credit” is your New Year’s resolution, the Capital One Secured Mastercard credit card should be your first step to keeping you on a positive track. With no annual fee, you don’t have to worry about missing payments if you’ve got your mind on paying off debts and working on your FICO score are also on your list of priorities. And, if you’ve managed to show good financial acumen by making your first 5 monthly payments in a timely manner then you can get a higher credit line.

This credit card comes with some great benefits when it comes to monitoring your credit, such as text message alerts, and flexibility to pick your own monthly due date along with payment method.

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