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 Credit Card for Fair Credit Score

The Best Secured Credit Card

Let’s begin!


The Best card for Dining and Price protection

capital one savor

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card 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 4 months later.

You also receive an early spend bonus of $300 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 Protection120 Days
Extended Warranty2 Year
Purchase ProtectionNo
Extended ReturnNo

Travel Credit Card Benefits

Lost luggage reimbursementNo
Travel Accident insuranceUp to $1,000,000
Travel and emergency assistance services24/7, 365 days a year
Auto Rental Collision Damage Waiver31 Days

The Best Cashback Credit Card

Looking for a way to earn cashback on every purchase you make with your credit card? Then look no further than the Chase Freedom Unlimited. You receive 1.5% cashback on all purchases and if you spend more than $500 within first three months of opening your account on purchases then you could get the $150 early spend bonus too.

Every time you use this credit card, you earn points that are easily redeemable as gift cards, a statement credit, direct deposit into a savings or checking account or you can use the points to pay for your Amazon.com purchases. You can use Chase Ultimate Rewards to book your travel and redeem the points at a higher value.

Best of all, there are no limits on total reward points that you earn, your points don’t expire and no restriction on the category. The icing on the cake is that Chase Freedom Unlimited does not have an annual fee. We do not suggest shopping aboard with this card as a 3% foreign transaction fee is applied to the purchases.

You get to enjoy a 0% APR for 15 months from the day you open an account after which variable APR rates are applied to purchases and balance transfer.

Shopping Credit Card Benefits

Price ProtectionNo
Extended Warranty1 Year
Purchase Protection120 Days
Extended ReturnNo

Travel Credit Card Benefits

Lost luggage reimbursementUp to $3,000 per trip
Travel Accident insuranceUp to $250,000
Travel and emergency assistance services24/7, 365 days a year
Auto Rental Collision Damage Waiver31 Days

The Best Travel Credit Card

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 ProtectionNo
Extended Warranty1 Year
Purchase Protection120 Days
Extended ReturnNo

Travel Credit Card Benefits

Lost luggage reimbursementUp to $3,000
Trip Cancellation/Trip Interruption InsuranceUp to $10,000
Auto Rental Collision Damage WaiverPrimary coverage
Travel Accident insuranceUp to $1,000,000
Travel and emergency assistance services24/7, 365 days a year
Trip Delay reimbursementOver 12 hours
Baggage Delay InsuranceOver 6 hours

The Best card for Grocery Shopping

US Bank Cash+ Visa Signature

US Bank Cash + Visa Signature

Learn More Terms Apply

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

If you’re wondering what kind of cash back you can expect, well you earn 3% cash back at US supermarkets, on up to $6,000 per year in purchases (then 1%). You also earn 2% cash back at US gas stations along with select department stores 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 $150 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 then you don’t need to be as this is a no annual fee card. Besides, no annual fee you can also take advantage of the welcome offer which provides 0% interest on purchases and balance transfers for 15 months, thereafter variable APR is applied.

Also, you should consider the additional benefits that come with this card mentioned below

Shopping Credit Card Benefits

Price Protection No
Extended Warranty 1 Year
Purchase Protection 90 Days
Extended Return 90 Days

Travel Credit Card Benefits

Lost luggage reimbursement No
Travel Accident insurance Up to $100,000
Travel and emergency assistance services Yes
Auto Rental Collision Damage Waiver 30 Days

The Best Credit Card for Fair Credit Score

QuicksilverOne From Capital One

Capital One® QuicksilverOne® Cash Rewards

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QuicksilverOne Cash Rewards is the card to hold if you have a fair credit score. You receive 1.5% cash back on all your purchases and there is no cash back variation based on your spending. This card has a low annual fee of $39, the rewards you earn do not expire. The accumulated rewards can be redeemed for cash, check, statement credit and gift cards.

You get $0 liability fraud coverage benefit, there are no foreign transaction fees and you may be eligible to a higher credit line with credit steps if you make timely payments for the first five months.The APR is high for purchases and balance transfer on this card.

Shopping Credit Card Benefits

Price Protection60 days
Extended Warranty1 Year

Travel Credit Card Benefits

Travel Accident insuranceUp to $100,000
Travel and emergency assistance servicesYes
Auto Rental Collision Damage Waiver15 Days

The Best Secured Credit Card

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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