Are you looking for a top-grade and best credit card for consultants? Without any prior knowledge, it may be daunting for you. Here, in this piece of article, you are gonna understand all the key factors to be considered while choosing the right and best credit card for consultants. Read on!
A credit card that is good for you can not be the best for me. There will be a lot of differences to pick up the best credit card. If you are hunting for the best credit card for consultants, you need to undergo proper research. Through proper research work, you will get to know which one is the best pick for you or which will make your expenses better. You need to keep in mind that there is no such credit card as a one-size-fits-all.
But each and every credit card has its own perks and benefits. Also, there can be drawbacks too. So, getting the best credit cards for consultants needs foolproof research work. Here we will add a few factors which will help you in finding the best credit card for consultants. Let’s check out what we found. After that, you will get acquainted with some best credit cards for consultants which are gonna make your financial experience better than ever.
Read more: How To Use Credit Card Responsibly
How To Pick The Best Credit Card For Consultants?
If you want to get the best credit card for consultants, you need to know your options and ask the right questions. When you know about your preferences, you will get the perfect fit for your spending goals and financial betterment.
Here is how you can find out the best credit card for consultants.
- Check your credit
- Sort out your type of credit card before picking up
- You can narrow your choices by asking proper questions
- Get ready to apply for the best credit card for consultants with the highest overall value
It’s time to explore these factors so that you can make your decision clear and appropriate.
1. Check your credit
When you are going to find out the best credit card for consultants, you can consider checking your credit score as the first step. It will be easier for you to look into your credit score to get the perfect fit for you because it will determine your eligibility for the credit card. Most top-graded credit cards, especially those with huge rewards, demand at least good credit. You can also find out credit cards for people with fair credit scores. If you need a card with no credit history or limited credit history, we must say it is also available.
You can make your credit history good by clearing all your bills on time. Also, you can pay down debts to lower your credit utilization. Never ever skip any bill and if you do so, you can get a hard pull on your credit report. It may drop your credit score. So before applying, keep an eye on your credit score.
2. Sort out your type of credit card before picking up
Usually, three types of credit cards are available:
- Credit cards that help you in improving your credit when it is damaged
- Credit cards that save your money on interest
- Credit cards that help you to get huge rewards
When you are choosing the best credit card for consultants, you need to check your specific needs. You should choose wisely a credit card that is perfectly designed for your needs. Also, you can choose a credit card that comes with an introductory 0% APR as well as ongoing low interest. This kind of credit card is perfect for any emergency. Also if you have an irregular source of income, then you can also choose this card.
If you have a proper source of income every month, do not hesitate at all to go for a card with huge rewards and benefits. Though these kinds of cards come with higher APR, these cards will provide you with huge sign-up bonuses, points, or miles to get various facilities, cashback offers on every buck you spend.
3. You can narrow your choices by asking proper questions
Whenever you are thinking of getting a perfect fit for yourself, you can ask yourself a lot of questions. It may help you to narrow your choices. You may think like what is the balance transfer policy, how to get rewards on every penny, what is ongoing interest APR, how you can spend money on the card, how quickly you can earn rewards and benefits, and how much those benefits are worth.
Apart from this, you should know about the details on interest rates on the credit card. Some fees are also included in credit cards. That can be an annual fee, balance transfer fee, late payment fee, cash advance fee, foreign transaction fees, etc. You need to know about these all. When you will get a clear answer to each and every question, you will get the best credit card for consultants.
4. Get ready to apply for the best credit card for consultants with the highest overall value
As a consultant, you need to get a credit card that offers a higher value. You may search for a credit card that offers you an introductory 0% interest for up to a few months as a welcome bonus. A few credit cards come with no penalty APR or late fees. It may help you to save your money. There are a few credit cards for consultants which offer rewards like cash back, air miles, loyalty program points, etc.
You can choose these cards to get various offers. Last but not least, a few cards come with no or low annual fees. Especially those cards which offer huge rewards may demand annual fees. So, whenever you are going to choose the best credit card for consultants, make sure to get a piece of proper knowledge on these topics.
A few extra points to consider before moving forward to the best credit cards for consultants
A few more points should be considered especially for you because you are a consultant. Consultants are in always need of traveling, moving to various cities, roaming by cars, etc. You may look for a credit card that gives you huge cashback offers. You can also choose a card that offers you a lot of discounts when you go shopping, go out for a meeting with your clients, etc. Through this kind of card, you may save a lot of money.
Apart from all of these, you have to consider gas and oil because these are essential parts of daily life. A few credit cards provide you with a lot of discounts on gas money. You can also choose a credit card that gives a lot of perks and benefits for traveling. This may include hotel booking offer, offer on dining, etc.
Now you are well acquainted with how to choose your best credit card for consultants, it is time to learn about the best picks for 2022.
Best Credit Card For Consultants In 2022
Here is the list of a few best credit cards for consultants.
- American Gold Express Credit Card
- AMEX Priemere Rewards Credit Card
- Capital One Aspire Travel Credit Card
- Chase Sapphire Preferred Credit Card
- RBC Visa Card
- CIBC Aventura
- BMO Air Miles Mastercard
- TD Gold Elite Visa
- Chase Freedom Unlimited Credit Card
- The Hilton Honors American Express Business Card
Here are the details for these credit cards for consultants.
1. American Gold Express Credit Card
On this American Gold Express Credit card, you are going to get 40,000 reward points when you charge $1,500 to your card in your first 3 months as a welcome bonus. This credit card enables you to receive up to 3 rewards per $1 spent, which buys you roundtrip tickets to exotic destinations. If you are one of them who are frequent flyers, you should go for this card because it will help you in earning lots of travel reward points.
Every year you can get $200 travel credits. You are able to make use of this credit for any travel booking made with the Amex Travel office, any cash-back transaction within the travel category, a round-trip short-haul flight booking made with your Air Canada, etc.
Apart from these, you will also earn a $50 annual membership fee credit. Though this American Gold Express Card comes with an annual fee of $120, you are likely to get huge benefits from this card.
2. AMEX Priemere Rewards Credit Card
The AMEX Premier Rewards Gold Card is another best credit card for consultants. It is gonna give quite interesting facilities like two points for every $1 spent on travel and gas. As a welcome bonus reward, you will be credited with 40,000 points as long as you spend $1,000 within the first 3 months. You will also receive $100 credit rewards that can be used flexibly for various travel purposes.
You may use these travel rewards for different travel purchases. You are able to use this card for purchases made directly through the air or hotel companies, Purchase through various travel agents are also welcome on this AMEX Premier Rewards Gold Card.
3. Capital One Aspire Travel Credit Card
Capital One Aspire Travel Credit Card is quite famous among travelers because it is one of the cheapest credit cards. This card comes with no such annual fee. Rather you will receive 10,000 bonus miles when you sign up for the card. Along with this credit card, you are gonna get a free supplementary card that does not have an annual fee. On this extra card, you will get 1.25 miles for every $1 you spend on travel and dining.
In case, you pick the premium version of this card, you will get 25,000 miles welcome bonus. You will also get a 2 percent rebate on every dollar you spend on travel or dining. You are also eligible for a $120 travel credit. This credit can be used in various ways. You may make use of 50,000 miles if you spend $15,000 on the card annually. Also, there is a scope to use 3,900 miles if you spend $15,000 on the card annually. So, this card can be the best option for frequent travelers.
4. Chase Sapphire Preferred Credit Card
Almost every single person is trying to get this credit card because of its unbelievable benefits. As a welcome bonus, you are going to get 50,000 points if you spend $4,000 within 3 months of opening your account. As a Chase Sapphire card owner, you can earn double the rewards on dining and travel. Apart from this, you can get 1.25 points for every $1 you spend on all other purchases. Apart from this, you are able to get 1.25 points for every $1 you spend on regular purchases. Another 2 points for every $1 you spend on travel and dining is available when you will make use of this credit card.
On this card, you can also get rewards on regular purchases. If you spend $12,000 annually and your regular purchases come under this, you’ll get 7,000 points just from regular purchases. No doubt, this card is one of the best credit cards for consultants.
5. RBC Visa Card
RBC Visa Credit Card can be one of the best cards for you if you like a simple and straightforward credit card and a good and beneficial reward. As a welcome bonus, you will get a bonus of 25,000 points when you spend $500 on the card in the first 3 months. You will also get $120 in reward money each year that can be used by you on regular expenses. You will also earn 1 point per $1 spent on regular purchases and 2 points per $1 spent on RBC Touch Banking.
6. CIBC Aventura
CIBC Aventura Credit card is another good option for you. This card gives a welcome bonus of 25,000 points when you spend $1,000 in the first 3 months. Through daily purchases, you will also earn 2 points for every $1 spent. Another interesting fact is you can get 10 percent off all flights with Aventura Rewards.
While traveling or booking a hotel, you may use your Aventura points to pay for hotels at their retail value. It is like 1 Aventura Point is worth $1.25 in Canada and 1.6 Avion point is worth 1 American cent. You can get up to $50 in cash back on this credit card and there is a $120 travel bonus too for you.
7. BMO Air Miles Mastercard
The BMO Air Miles Classic Mastercard provides you with the highest reward value of any credit card. On this credit card, you will earn a one-time bonus of 15,000 Air Miles when you spend $500 on the card. This credit card offers 1 air mile per $10, which works out to a 1.25% return on your spending. You will also get a $100 annual air travel credit that you can use towards your travel expenses. From the BMO Air Miles World Mastercard, you will get 2 miles for every $10 spent, for a return of 1.25%, which is quite a lucrative offer.
8. TD Gold Elite Visa
Another interesting and lucrative credit card is TD Gold Elite Visa Credit Card. On this card, you will earn 1 extra mile for every $1 you spend, which gives you a 2.313% return on your spend. When you will redeem your rewards, you will get 1.5 cents toward travel purchases with the airline of your choice. This card comes with an annual fee of $60. It is also a given facility if you spend over $60,000 on the card every year, then you’ll earn your next year’s annual fee for free.
9. Chase Freedom Unlimited Credit Card
The Chase Freedom Unlimited is one of the most tempting cards that exist. This card is gonna offer you up to two hundred dollars if you are purchasing $400 to $500. Though this is a welcome bonus and you need to make use of this offer within the first three months of account opening. As a frequent traveler, you are gonna avail 5% discount on the total purchases you make. The most important thing is all of those benefit scones with no annual fees.
The credit rewards on this card will never expire as long as you are actively using this card for your expenses or other booking or traveling. The initial APR is 0% on this card. After the duration of one year, this rate will vary from 14 % to 25%. It is not a big deal because the card offers you a lot. The only thing you need to keep in mind is that the card is going to charge foreign fees.
10. The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is going to be the best one for you if you want to stay within various Hilton properties. It may include Homewood Suites, Hampton Inn, Home2, or Hilton Garden Inn. As a welcome bonus. earn 130,000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card in the first 3 months of Card Membership.
This card comes with an annual fee of $95. If you want to get a proper value on this card, you need to spend a minimum of $15,000 annually which will lead you to get a free weekend night certificate. Additionally, spending another $45,000 (or $60,000 a year) will provide you with a second free night certificate.
You will also earn 10 free Priority Pass airport lounge visits and complimentary Hilton Honors Gold Status every year. This Hilton Honors Gold Status offers complimentary hotel breakfast and space-available room upgrades. You will also get various bonus points like 12X on hotels and resorts in the Hilton portfolio or 6X at US Gas stations or flights booked directly with airlines or with Amex Travel. You can also get 3X points on other eligible purchases on this card.
Whenever you are going to pick the best credit card for consultants, you need to keep in mind lots of factors like cashback offers. Hotel booking offers, air miles, loyalty program offers, etc. This thing will make your credit card experience better. Apart from these, facilities like offers on gas and oil, dining reward points, etc. can be pivotal to making the right decision for the perfect fit. Choosing a credit card for consultants can be tough, but with us, you can make your decision easier. We hope this article is going to help you a lot.
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