Best 7 Credit Cards For New Homeowners

With the best credit card, you can seamlessly excitingly move into a new home. No matter what you want to do with it, having the best credit can save you a great burden. Sometimes you might think of giving a new look to your bedroom or having a modern kitchen, but having a credit card can save you a big deal. After all, acquiring a new home should be a great milestone. Therefore, collecting or upgrading your credit card to ensure it meets all your needs and wants is a great idea.

You can easily earn cash bonuses for all eligible purchases with good cash-back credit cards. In other words, you’re fully rewarded for anything you purchase as long as the purchase is made in a store or place that offers the same rewards. To clarify, you can get your cash back by directly depositing a linked bank account.

Having said that, I’ll take you through the best 7 credit cards for new homeowners. Let’s dive in…

1. Capital One Quicksilver Cash Reward Credit Card

With this card, you can be assured that you’ll have a flat rate, which implies that you’ll not have any rotating categories that require quarterly activation. After getting the card, you can go ahead and use it in whatever way you want to use it. Remember that you’ll be rewarded with a certain percentage of every eligible purchase. It also has a sign-up bonus that every customer keeps enjoying. And to help your account stay safe is the Eno assistant that offers virtual card numbers; there are many good things to get excited about with this new card.

2. Amazon Prime Rewards Visa Card

Now, it is possible to get what you need for your new home with Amazon Prime Rewards Visa Card. This is a great way you can save a lot of money when you go shopping while you travel. I like that you’ll get good cash back on your shopping. But to qualify for this card, you need to be an Amazon prime member. As long as you’re a full member, no charges are placed on your card.

3. Citi Double Cash Card

Of course, the most encouraging thing that beats earning cashback is when you earn the same cash back twice. And that is exactly the definition of the Citi Double Cash Card. When you make your first purchase, you receive a cashback, and again, after you make a credit card payment of a bill, you get a double bonus. And it usually happens with several Citi credit cards; most first cardholders usually qualify to get a 0% transfer offer that enables them to remit the previous debt for their credit card without having to undergo a tough financial charge. As such, you can conveniently collect pricier credit card arrears and monthly payments.

4. Discover it Cash Back

If you’re a new homeowner looking for a card that will serve you well, think no further than Discover it Cash Back. It starts with the first cashback you get when you register to get the card. You’ll earn cash back at various places if you own this card. Most owners usually love visiting grocery stores, Amazon.com, and even restaurants.

5. Wells Fargo Platinum card

This card has some promotions during certain periods. This usually goes even for more than a year. They do not have any interest rates. The cardholders have a greater advantage because they are assured of cellphone insurance, and free access to FICO score each month without incurring any yearly fee.

The card has a 0% APR promotion that covers balance transfers, thus making it more convenient to repay any existing without any charges. However, whenever you are moving the debt from your card to another, then you will incur a balance transfer fee. This fee is lower compared to the interest charges.

6. U.S Bank Visa® Platinum Card

This card has to change the terms of the promotional period from time to time. Also, it has a longer 0% APR compared to others. As a new cardholder, you do not have to pay interest rates for two years after activating your card. This becomes a problem if you need to make more purchases for your new house or anything else. Moreover, this means you can save more money since you do not have to pay the charges for such a long time. On the other hand, your credit limit depends on your credit score and credit report information obtained from any credit bureaus. Here, you are also assured of cellphone protection coverage that goes up to $600 yearly each time you make your monthly cellphone charges using your card. You can check your credit at any time at any place using online banking or the mobile app. This is usually free to any U.S. bank clients and is easier to use.

7. Chase Freedom Unlimited ®

This card features an unlimited and flat cash-back rate, no yearly fee for card membership, a greater interest rate, and a huge sign-up bonus. This makes it a greater advantage for any new cardholder since it has an introductory 0% APR on any new purchase for the past year after activating your card.

It has some regular changes that change its promotional periods as per the time you apply. You can research all the available promotions to avoid missing out on the best deals. Ideally, you can earn a cashback of 1.5% on any purchase as an introductory offer. When you purchase travel using this card, you are assured of a 6.5% cashback. This enables you to redeem the rewards for gift cards, travel, cash back, etc. For drug purchases or paying in a restaurant, you will enjoy a 4.5% cash back. For any other purchases, you will enjoy a 3% cash back.

Conclusion

It is indeed a rite of passage to acquire a house. This is a show of becoming a parent and more responsible and having some sense of actualization. And for you, you just need to take advantage of the financial tools that are present in the market today. If you’re looking forward to making your home look well-kempt and staying in a tranquil space, choose the best credit card that makes your dream come true.