Hunting for the best credit cards for nurses? Well, fear not, you don’t have to scour the whole internet. For your convenience, we have gathered all the relevant information related to it so that you can pick a suitable one for yourself according to your needs.
Best Credit Cards For Nurses (Jump To Section)
One of the noblest professions is nursing. Nurses serve people daily but they too have a life outside their work and like every one of us, they too have needs and expenses. Though their expenses and financial requirements and management can be quite different from the rest of us. This demands a different approach while managing finances, thus, they require a different approach when selecting a credit card for themselves. This article is completely dedicated to people like you who are associated with this noble occupation. In this article, you will learn about the best credit cards that you can get.
A good credit card will help you manage all the expenses you need to do while providing some additional benefits. We strongly believe there is not a single card that will be one-size-fits-all. Every credit card has its perks and benefits. Also, there can be many drawbacks associated with several cards. To make your decision easy, what we can do is give you a brief about various cards which will help you to narrow down the best credit card for your needs.
Let’s get started, shall we?
What To Look For In A Credit Card?
Whether you are a professional nurse or studying nursing courses to be a professional, you will always have lots of expenses. It can be your education cost, it can be various medical instruments purchasing expenses, or it can be various personal needs to cover. In that case, you can search for something that will help you with these specific needs. If you have mixed expenses, you can choose a credit card that will make you earn everyday rewards on purchasing. Here check out the best process through which you can find the best credit cards for yourself by following a few good practices.
How To Pick The Best Credit Card For Nurses?
Any work needs some research to get a basic hold of the issue. Finding the best credit cards is not an exception. You need to know your options and ask the right questions to find out what type of credit card suits your needs. That will be the best credit card for you. If you clearly define your preferences, you will undoubtedly get the best fit for yourself. But how will you choose that? Well, here we are going to guide the research work you need to conduct before going for the best credit cards for yourself.
- Check your credit score.
- Sort your choices before picking one.
- You can narrow your choices by asking proper questions.
- Get ready to apply for the best credit card for nurses with the highest overall value.
Let’s discuss these critical factors that will help you find the best credit card.
- Check your credit
When hunting for the best credit cards, you can consider checking your credit score as the first step. It will be easier after you know your credit score as it will determine your eligibility for the credit card. Most top-graded credit cards, especially those with huge rewards, come against a really good credit score. It is also possible to find credit cards for people with fair credit scores. It is also possible to get a card with no credit history or limited credit history.
Remember that you can make your credit history good by clearing all your bills on time. Also, you can pay your debts to lower your credit utilization. Never skip any bill. It may drop your credit score. So before applying, keep an eye on your credit score.
- Sort your choices before picking one
There are various types of credit cards. Some credit cards will help you to improve your credit. A few credit cards save your money on interest. On the other hand, lots of credit cards help get huge rewards and benefits. You must check your needs to pick up the best credit card for nurses. You can also purchase a card with an introductory 0% APR(Annual Percentage Rate) and ongoing low interest. Some cards come with annual fees, but in return, those will provide you with huge sign-up bonuses, points, or miles to get various facilities and cashback offers on every single grand you spend.
- You can narrow your choices by asking proper questions
Do not hesitate to ask yourself specific questions. When you have proper knowledge, you will know what can be the best option for you. But, commonly, you do not know every key factor of specific credit cards. If you have no idea, you can take assistance from an expert in that field. You will find out the best fit when you know all the factors.
Questions like balance transfer policy, how to obtain rewards on every buck, 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, etc. will make you understand what you will have on your card. Do not forget to learn about annual fees, balance transfer fees, late payment fees, cash advance fees, foreign transaction fees, etc.
- Get ready to apply for the best credit card for nurses with the highest overall value
You are almost there to handpick the best credit card for yourself. There are a few points you have to know. The best credit cards will always earn you the best rewards but don’t forget to look at things like APR, cash back, air miles, loyalty program points, low annual fees, no annual fees, partnership program, etc.
Now, you are familiar with the points you need to keep in mind while choosing the best credit cards for yourself so let’s take a look at a few of the most popular recommendations.
Best Credit Cards For Nurses
Here is the list of a few best credit cards for nurses:
- AARP Essential Rewards Mastercard
- Wells Fargo Health Advantage® Card
- Citi® Double Cash Card
- Chase Freedom Unlimited®
- Capital One Venture Rewards Credit Card
- The Platinum Card® from American Express
- The Blue Business® Plus Credit Card from American Express
- Ink Business Unlimited® Credit Card
Let’s talk about these credit cards in brief and get to know what you will be getting with each of them.
Best Credit Cards For Nurses
1. AARP Essential Rewards Mastercard
The AARP Essential Rewards Mastercard is the only card that will give you lucrative rewards at a rate of 2% cashback. It will apply to your medical expenses. It will cover various expenses like dentists, orthodontists, osteopathic physicians, chiropractors, optometrists, ophthalmologists, hospitals, medical and dental labs, hearing aids, ambulance services, prosthetic devices, nursing, and personal care facilities, and other medical services.
This card has a 0% intro APR feature for balance transfers made within 45 days of account opening for the first 15 billing cycles. You can consider it as your welcome bonus on this card. This card is also helpful in balance transfers, but it demands a fee of 3%.
2. Wells Fargo Health Advantage® Card
The Wells Fargo Health Advantage card can be your best fit if you do not have access to low-fee, low-interest balance transfers or 0% financing. This card comes with a 12.99% APR. Apart from this, the Wells Fargo Health Advantage card also offers occasional financing promotions. This card will also cover various medical expenses like dental, hearing, vision, and veterinary needs.
3. Citi® Double Cash Card
This Citi® Double Cash Card is one of the best credit cards for nurses with no specific focus category; worry-free cash-back earning on everything. You, as a cardholder, will earn 2% on every purchase with unlimited 1% cash back when you make a purchase. Also, 1% will be added to those purchases. All cashback offers are earned through ThankYou Points on this Citi® Double Cash Card.
But you need to pay within the due time to avail maximum from this credit card. You will enjoy % intro APR on Balance Transfers for 18 months from the opening of the credit card account. After this period, you will need to go from 15.49% to 25.49%, based on your creditworthiness. When you transfer a balance, interest will be charged on your purchases unless you pay your entire balance within the due time.
You must pay a balance transfer fee of 3% of each transfer completed within the first 4 months of account opening. The minimum balance should be $5. After that time duration, your fee will be 5% of each transfer. The minimum transferable amount will be the same. This card also has a foreign exchange fee of 3% on the U.S. dollar amount of each purchase. The most interesting fact is the card comes with no annual fees.
4. Chase Freedom Unlimited®
Another worthy card is the Chase Freedom Unlimited® which comes with no annual fee. You will get an additional 1.5% cash back on everything you purchase as an introductory bonus offer. The cashback is valid on up to $20,000 spent in the first year. The cashback will be up to $300. On this card, you can enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®.
Apart from this, you can also avail of 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services. Apart from this, 3% on all other purchases is also available.
After the first year or $20,000 spent, you have the option to enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®. The cashback offers for drug stores will be 3%. There is no such minimum amount to redeem on this card. You can enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers.
After 15 months, you will have to go for a variable APR of 16.49% – 25.24%. This card is quite helpful for keeping a tab on your credit health. You will also enjoy monitoring your credit with free access to your latest score, real-time alerts, and more. A foreign fee of 3% of each transaction in U.S. dollars is applicable on the card.
5. Capital One Venture Rewards Credit Card
If you are searching for the best credit cards for nurses, you can also pick up this Capital One Venture Rewards Credit Card. It is one of the most popular cards because of the value of its rewards. As a welcome bonus, you will get a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. This is quite similar to $750 in travel. Every single day, you will be eligible to get unlimited 2X miles on every purchase. As long as you will make use of this card, the miles will not expire at all.
You can receive up to a $100 credit for Global Entry or TSA PreCheck®. If you need to travel frequently for any health program or other purposes, you may get 5X miles on various top-grade hotels and rental cars booked through Capital One Travel. You can also use your miles to get reimbursed for any travel purchase.
6. The Platinum Card® from American Express
Though this Platinum Card® from American Express is the best for travel programs, this offers free credits to complimentary elite status and much more. This credit card comes with an annual fee of $695. As an introductory bonus offer, you will earn 100,000 Membership Rewards® points when you spend $6,000 on your new credit card purchases in your first 6 months of Card Membership. You can apply for various metal designs like classic Platinum Card®, Platinum x Kehinde Wiley, Platinum x Julie Mehretu, etc.
If you need to travel frequently for health programs or other purposes, you can get 5X Membership Rewards® Points for flights booked directly with associated airlines or with American Express Travel. You will also be eligible for earning 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. You will get $200 back in statement credits each year on prepaid Fine Hotels and Resorts®. You can get up to $20 back each month on eligible purchases made with your Platinum Card®. You will get up to $25 monthly on the Equinox digital fitness app or eligible Equinox club memberships. There are no Foreign Transaction Fees on this credit card.
7. The Blue Business® Plus Credit Card from American Express
This Blue Business® Plus Credit Card from American Express comes with no annual fees. On this credit card, you will get 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the credit card, but those should be done within your first 3 months of the Blue Business Plus credit card Membership. You can also get 2X Membership Rewards® points on everyday health purchases. You will also be eligible for getting the offer to make use of your Card beyond its credit limit with Expanded Buying Power.
Your expenses on the credit card are not unlimited, though; they can vary. It depends on your use of the Card, payment history, credit record, financial resources, and other factors. You can enjoy a 0.0% intro APR on expenses 12 months from the account opening date. After that, the rate may vary from 14.74% to 22.74%. There will be a Foreign Transaction Fees of 2.7% on this card.
8. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is another helpful credit card for nurses. This Ink Business Credit Card offers a $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. You can also earn 1.5% cash back on every purchase you make. You can easily redeem rewards for cash back, gift cards, travel, and more. This card has a special ability for a fraud monitoring system. Your credit card transactions will be tracked for possible fraudulent activity using real-time fraud monitoring.
The APR will be 0% on purchases for 12 months. Later it will vary from 13.99% to 19.99%.
Some Final Thoughts
So, here you got almost every fine detail that will help you find the best credit cards for yourself. Apart from this, you also learned how to pick a credit card to get more value and rewards on your card. As a general rule for anything, just keep your eyes open and be attentive to catch finer details. Also, check every term and condition associated with credit cards. Do not hesitate to leave a comment in case you need to get more information about this topic.
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