The Best Credit Card To Apply For – So you’ve made it past the Big 20 and are a confused millennial looking for your first credit card — now that you finally have a steady stream of income.

But among so many options, it is almost impossible to choose the one that best suits your needs.

The Best Credit Card To Apply For

The Best Credit Card To Apply For

The good news is that there’s never been—and we mean NEVER—a better time to pick up a card. Air miles or cash back, over $1000 in cash can be yours.

Best Singapore Credit Cards For Online Shopping 2023

Talk about a big F-A-T the pow just in time for Chinese New Year (CNY). But more about that later.

There’s only one constant in a sea of ​​endless perks, and that’s cash back. Cashback is well-deserved for hands-on shoppers who want cash rewards for doing what they do best.

On the other side of the ring are air miles, for travel lovers. For every dollar spent on the card, you can earn miles and use them to redeem or upgrade flights to your dream vacation destination.

In this article, we will only talk about cash back credit cards. But stay tuned for the second part of our series, which will cover credit cards that will help you earn airline miles.

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The American Express True Cashback Card stands out with a lower annual fee, an attractive card page and a $20 CapitaVoucher welcome gift.

While this list comes from US Financial Services, they understand local needs with 3% cash back in the first 6 months on $5,000 in total spend. So if you’re smart about timing your spending with this card, you can easily earn 3% cash back on essentials.

Whether you’re a new American Express customer or a regular customer, you can pocket $150 by signing up for SingSaver – the perfect amount to start spending money on CNY goodies.

The Best Credit Card To Apply For

For car owners who frequent petrol stations such as Esso & Shell, the Citi Cash Back Card promises additional fuel savings of up to 20.88%.

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Watch out for the promised 8% cashback – you need to spend $888 per statement per month to enjoy up to $25 cashback per category including restaurants, groceries, petrol and Grab.

And the SingSaver offer will sweeten new registrations with your choice of a $200 voucher from NTUC, Takashimaya or Grab promo codes. If Citibank is already your bank of choice, you can redeem a $30 voucher instead when your card is approved.

We love the 1-for-1 dining privileges associated with this Standard Chartered Unlimited card – they’ll save your wallet like they did on your last date with bae.

A life without a car is a life without a car for many of us, so you’ll love this next perk. Cardholders can get up to 15% cashback on Grab rides in Singapore and abroad until 31 March 2019.

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As part of the CNY celebrations, Standard Chartered is offering a fantastic welcome gift of $100 cashback for new customers until 31 January 2019. Existing StanChart customers, there’s no need to feel left out – you’ll also get $20 cashback.

SingSaver will give new cardholders an extra $150 cash back. Existing holders will receive $50 cash back when your cards are activated.

You have probably heard about our government’s cashless payment in Singapore. HSBC has led the way by rewarding HSBC Advance Card users with a 5% cashback bonus using contactless methods.

The Best Credit Card To Apply For

Car owners who visit Caltex and Shell pumps will be in for an instant discount of up to 16% on petrol.

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In addition, HSBC Advance Banking customers receive an additional 1% cashback on both spending levels – above and below $2,000 per month – and a permanent fee waiver.

In other words, consider this cash-back credit card if you own a car and ‘Hey Big Spender’ is the soundtrack to your life.

You only live once and if you plan to spend as much as you want, understanding the special benefits of the UOB Yolo card will help you make the most of your life.

Cash prizes are the best prizes as there are no limits on how you can spend them. You’ll get $50 cash back just for signing up and $100 cash back when you spend between now and January 23rd.

Cashback Credit Cards That Pay Out The Most In Singapore

But if you really want to live the YOLO life, let the card take you on overseas adventures with up to 13% off Expedia and Agoda and free travel insurance up to $500,000 in coverage.

Sign up during the promotional period to deliver your approval card and get extra change to spend.

Most of us want credit cards for convenience, so one that covers all our major expenses is best, and the OCBC 365 Credit Card does just that.

The Best Credit Card To Apply For

You won’t hesitate to check out the trendy new cafes and restaurants because you can get a 6% cash discount for dining anytime, anywhere in the world.

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And we really mean anywhere, even at home on a lazy day when you only have the energy to buy food via an app.

Forgot to stock up on snacks? Speed ​​up your journey and take a taxi to the supermarket. Enjoy 3% cash back on travel and groceries wherever you are in the world.

Choosing the right credit card is like choosing the right life partner. You must first understand yourself before you can fight.

SingSaver, a personal finance comparison site dedicated to head-to-head comparison of credit card stacks, is a great tool to use before closing the deal. The site is also a trusted partner of all major banks in Singapore.

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To celebrate CNY, SingSaver is running a limited time campaign for potential credit card holders divided into 2 camps – those who love to collect Air Miles and those who love Cashback.

Every successful card claim on SingSaver’s #AirMilesVSCashback page will earn you up to $200 in cash and/or vouchers* until 31 January. Pick a winning site in Singapore and you’ll get an extra $50 cash back on your card claim.

Tag 3 friends on the SingSaver Facebook post in the comments about whether you want more air miles or cash back. Each of the 3 most creative comments from the winning team will win a lucky $888 in cash.

The Best Credit Card To Apply For

Growing up can be tough, but we hope you found this guide to credit card cash back helpful.

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Whatever reward you want for being a resourceful shopper, you’ll always win if you plan ahead and understand your spending habits.

Plus, you don’t want to be FOMO-ing while all your friends are scrambling to pay for your reunion meal.

Now they watch you with green eyes as you claim cash benefits and bonuses as the boss.

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The Best Credit Card To Apply For

Each month I publish a post on what I think are the best credit card deals right now, with a special focus on the best travel credit cards. This is always a good time to start organizing your points strategy so you’ll be ready to plan your dream trip when the time is right.

Air Miles Credit Cards That Give Frequent Travellers The Most Mileage In Singapore

While there are great long-term credit card deals out there, the details of the best deals are constantly changing (whether it’s annual fees, minimum spending requirements, or even welcome bonus amounts).

If you read my blog daily, you’ll skip this post, but for me, it’s a helpful, “of-the-moment” place to refer people asking what cards to apply for, a question I get every day.

In other words, most people want to travel better, but don’t know how. One of the best ways to improve your travel experience is to get a good credit card that can add value.

In this post, I focus mainly on welcome bonuses, which can be one of the best ways to get a reward quickly. Often, a good credit card bonus is enough to get you an international ticket in first or business class, which many people otherwise assume is unlimited.

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Let’s take a look at some of the best credit card welcome bonuses available this month. Here are what I consider to be the top 15:

Why it’s a good deal: This card was recently launched and not only does it offer a huge welcome bonus,

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John Pablo

📅 Born: May 15, 1985 📍 Location: New York City 🖋️ Writer | Financial Enthusiast Welcome to my corner of the web! I'm John Pablo—a finance enthusiast and writer passionate about making money matters simple and accessible.

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