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 cashback for using the credit card, or 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. Especially when using Sift’s automated functionality to tap into your little-known credit card benefits.

Haven’t heard of Sift yet? Named by Google as one of the Best Apps of 2018, Sift unlocks credit cards benefits that issuers offer to their customers as an incentive for signing up for new lines of credit. These benefits are seldom used by even the most savvy of credit users, which is what makes Sift even more versatile. It claims them on  your behalf… automatically! Covering nearly every benefit offered from issuers, like return protection, extended warranties (past manufacturer-set limits), theft and damage protection. Sift not only detects the benefits available to you, but automatically files claims on your behalf with credit card issuers to get your money back. (Download the Sift app here)

In this article, we’ll be take 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 include:

The Best Cash-back Credit Cards of 2019

The Best Travel Credit Cards of 2019

The Best Balance Transfer Credit Cards of 2019

The Best 0% Introductory APR Credit Cards of 2019

The Best Secured Credit Cards of 2019

Let’s begin!

The Best Cash-back Credit Cards of 2019


Citi® Double Cash Card

Citi® Double Cash Card

Looking for a way to earn 2x cashback on every purchase you make with your credit card? Then look no further than the Citi® Double Cash Card. Every time you use this credit card, you earn points that are easily redeemable for cash value (1% when you make the purchase and an additional 1% when you pay off the balance on time). Best of all, there are no rewards portals to redeem your points, which is normally frustrating for those who just want to use a set-it-and-forget-it line of credit. And despite Citi® Double Cash Card great cash-building ability, there are no annual fees to use it.

Shopping Credit Card Benefits

Price Protection: 60 Days

Extended Warranty: 2 Years

Purchase Protection: 120 Days

Extended Return: 90 Days

Travel Credit Card Benefits

Lost luggage reimbursement: Up to $3,000

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

[For more information about the Citi® Double Cash Card credit card, visit Citi’s website here.]

Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card

When we mentioned the “best credit cards of 2019”, we especially wanted to include the Bank of America® Premium Rewards® Credit Card. Why? Because this card comes with the highest cashback rate at an astonishing 3.71% if you have $100,000 in a qualifying Bank of America/Merrill Lynch bank account. That’s among the highest rates found among thousands of other credit cards!

The Bank of America® Premium Rewards® Credit Card also comes with a hefty sign-on bonus of 50,000 points–equivalent to $500–if you spend more than $3,000 within the first 90 days of being issued the card. And while this card comes with a number of ways to redeem your points (gas, dining, drug stores, online shopping, travel, drug stores, or home improvement/furnishing), you can earn cash that can be directly deposited into your account. Last, if you travel often, the Bank of America® Premium Rewards® Credit Card has no foreign transaction fees. How’s “See the World” for a New Year’s Resolution.

Shopping Credit Card Benefits

Extended Warranty: 1 Year

Purchase Protection: 90 Days

Extended Return: 90 Days

Travel Credit Card Benefits

Trip Cancellation/Trip Interruption Insurance: $5,000 per person

Trip Delay reimbursement: $500

Baggage Delay Insurance: $100 per day up to 5 days

[For more information about the Bank of America® Premium Rewards® Credit Card, visit Bank of America’s website here.]

The Best Travel Credit Cards of 2019


Chase Sapphire Reserve®

Chase Sapphire Reserve®

For those that have excellent credit and enjoy earning huge perks for spending for travel, the Chase Sapphire Reserve® credit card is the right card for you in 2019. With a 50,000 sign-up bonus, this credit card allows you to earn up to 3% in cashback when you eat out at your favorite restaurants or are on the move. Bonus points can be used for whatever method of transportation strikes your fancy. This includes subway tickets, Uber and Lyft rides, and even the tolls you regularly pay on your way to work. There’s also an annual $300 travel credit that can be earned simply by hooking up the Chase Sapphire Reserve® to your Uber/Lyft accounts.

Shopping Credit Card Benefits

Extended Warranty: 1 Year

Purchase Protection: 120 Days

Extended Return: 90 Days

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 6 hours

Baggage Delay Insurance: Over 6 hours

[For more information about the Chase Sapphire Reserve® credit card, visit Chase’s website here.]

PenFed Pathfinder Rewards American Express® Card

PenFed Pathfinder Rewards American Express® Card

If you find that the $450 annual fee of the Chase Sapphire Reserve® is a bit daunting, don’t despair. The PenFed Pathfinder Rewards American Express® Card is your choice for the best travel credit card that won’t cost you a trip to Paris for using it yearly. What makes this the ideal travel credit card of 2019 is that you’ll receive 4x points when you use the PenFed Pathfinder Rewards American Express® Card for travel purchase, as well as 1.5x points for everything else. This credit cards comes with TSA Pre✓/Global Entry to get your through airports quicker and a $100 annual airline fee credit to fund your next adventure. And if you’re thinking about travelling abroad, there are no foreign transaction fees. So you can spend without having to worry about how much purchases abroad are really worth.

However, there’s a slight catch: This card is designed for those who have some type of military association. If you’re in the military or married to someone serving, then you’re good to go. BUT, if you want the unprecedented benefits of this card, you can join Voices for America’s Troops, which is a workaround that only costs $17/year (or $34 every three years, which works out to $12/year).

[For more information about the PenFed Pathfinder Rewards American Express® Card, visit PenFed’s website here.]

Platinum Card® from American Express

Platinum Card® from American Express

Looking for a credit card that was made to travel? Then the Platinum Card® from American Express can be your companion on whatever adventure you’re looking to undertake in 2019. Whether you enjoy zero foreign-transaction fees on your next European trip, or spend your time in luxury at the airport (including the Centurion Lounge, Delta Sky Clubs, Priority Pass lounge) this credit card is your ticket to great rewards.

The Platinum Card® comes with an attractive sign-on bonus, which can be easily claimed by spending $5,000 in the first 90 days of opening the account. Best of all, cardholders can earn 5x points by using this credit card to purchase flights–which means, the more you travel, the more you really travel!

Shopping Credit Card Benefits

Extended Warranty: 1 Year

Purchase Protection: 90 Days

Extended Return: 90 Days

Travel Credit Card Benefits

Lost luggage reimbursement: Up to $3,000 for carry-on

Travel Accident insurance: Up to $500,000

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

Auto Rental Collision Damage Waiver: 30 Days

[For more information about the Platinum Card® from American Express, visit American Express’ website here.]

The Best Balance Transfer Credit Cards of 2019


Barclaycard Ring® Mastercard®

Barclaycard Ring® Mastercard®

Got debt? If so, the Barclaycard Ring® Mastercard® may be one of the best ways to tackle your outstanding debts for the New Year. How does this work? By paying a 2% balance transfer free, the Barclaycard Ring® Mastercard® gives you 15 months from when you open the card to pay back the money that you owe without accruing interest. This means that if you’ve got $2,000 in credit card debt, you only need to pay $40 to get the 0% APR. Not a bad deal at all, and if you find that it’ll take more than the 15-month period, this credit card only charges a low interest-rate of 14.24%–which still can help you knock out the debt once and for all. How’s that for a New Year?

[For more information about the Barclaycard Ring® Mastercard® credit card, visit Barclays’ website here.]

BankAmericard® Credit Card from Bank of America

BankAmericard® Credit Card from Bank of America

Is “Get Rid of Debt” on your list of New Year’s Resolutions? If so, then you’ll want to put the BankAmericard® Credit Card from Bank of America in your wallet. What makes this card such a great debt-relief tool is that you’ll receive 15 billing cycle featuring $0 interest on the transferred balance. Nor will you pay a balance-transfer fee if you transfer the debt within 60 days of opening your BankAmericard®.

Shopping Credit Card Benefits

Price Protection: 60 Days

[For more information about the BankAmericard® Credit Card from Bank of America, visit Bank of America’s website here.]

The Best 0% Introductory APR Credit Cards of 2019


Chase Freedom Unlimited®

Chase Freedom Unlimited®

Looking to buy a present for yourself as a reward for your good financial behavior? Then look no further than the Chase Freedom Unlimited® credit card. It features 0% during the first 15 months of opening up a line of credit. And if you’re looking to keep that good feeling on into the New Year, the Chase Freedom Unlimited comes with a 15,000-point sign-up bonus (cash value: $150) if you spend $500 in the first 3 months–which shouldn’t be a problem for those with excellent credit.

Shopping Credit Card Benefits

Extended Warranty: 1 Year

Purchase Protection: 120 Days

Travel Credit Card Benefits

Lost luggage reimbursement: Up to $3,000

Trip Cancellation/ Trip Interruption Insurance: 20 Days

Auto Rental Collision Damage Waiver: 31 Days

Travel Accident insurance: $250,000

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

[For more information about the Chase Freedom Unlimited® credit card, visit Chase’s website here.]

HSBC Gold Mastercard®

HSBC Gold Mastercard®

If you think you need longer than 15 months to pay your debt, then the HSBC Mastercard is your choice for a great balance-transfer credit card. Coming with an astonished 18 months 0% APR period–that’s basically a year and a half–this credit card can help those who need time to tackle their debts. The HSBC is also equipped with some nice features. They include no foreign transaction fees and a late-fee waiver for those who are still on shaky ground financially (and who doesn’t need forgiveness?). And if you find that you do exceed the 18-month period despite your best efforts, your purchases will then kick in with a reasonable APR of either 13.24%, 17.24%, or 21.24%.

[For more information about the HSBC Gold Mastercard credit card, visit HSBC’s website here.]

The Best Secured Credit Cards of 2019


Discover it® Secured

Discover it® Secured

If “Build My Credit” is your New Year’s resolution, the Discover it® Secured 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, you are eligible to earn your security deposit back in 8 months. Start your year off right with the Discover it® Secured credit card.

Shopping Credit Card Benefits

Price Protection: 90 Days

[For more information about the Discover it® Secured credit card, visit Discover’s website here.]

Discover it® Chrome for Students

If you’re a student that’s made some mistakes in the past and want to start with a fresh slate in 2019, why not pick plastic: the Discover it® Chrome for Students. This credit card comes with some great benefits when it comes to monitoring your credit, such as text message alerts when your balance reaches a preset limit–which can make a difference when your mind is focused on studying or working. And even if you slip up once and miss a payment, don’t worry because the Discover it® Chrome for Students credit card waives the first-time late fees.

Shopping Credit Card Benefits

No notable benefits

[For more information about the Discover it® Chrome for Students credit card, visit Discover’s website here..]