Credit score is the most important thing to have in United States and having a good score is essential to live a better life in the USA.

Let’s discuss about credit cards because they allow you to earn money, without even changing our consumption habits and without spending more than usual. Remember, credit card is the starting point in building credit score in USA.

To have a good Credit Score, it is advisable to have at least 3 credit cards and to use only 30% of the capacity of these cards. At the end of each month (or every fortnight), it’s best to balance all your credit cards so you don’t pay interest on them.

Credit Cards to Earn Cash Back

Many organizations and banks offer credit cards that earn a percentage on each transaction made. In general this percentage is between 1 and 3% but it can rise up to 6%!

For example: Bank Americard Cash Rewards card. We earn cash back throughout the year and use it at the end of the year to buy gifts. That usually gives you a nice bonus of a few hundred dollars.

This card also offers deals on certain stores (including Five Guys, Starbucks, …) that can earn up to 15 or 20% of the amount spent.

Credit Cards to Earn Miles

These cards let you first earn miles/points which can be later redeemable for FREE flights. Points can be earned by using card for buying air tickets, booking rental cars or hotels depending on the card.

One of the best credit cards to earn miles is the Chase Saphire Preferred Card and is a good way to travel cheaper. By applying for this credit card, and using it to make your purchases, you will earn between 1 and 4 miles per dollar spent. These miles can then be used with various airlines: British Airways, Delta, American Airlines,…

By spending $4,000 during the first three months of this credit card, you will earn a bonus of 50,000 points, which is equivalent to $625 in airline tickets. This is quite big. Isn’t it?

No need to have an incredible lifestyle to get there… Just use this new credit card instead of your usual card to pay for all your transactions for 3 months… And then you can use this card to pay for everything related to travel and restaurants because the points will be multiplied by two.

Other Cards to Earn Miles

Other co-branded cards that allow you to earn miles are:

• British Airways Visa Signature® Card for individuals travelling from British Airways.
• Gold Delta SkyMiles® Credit Card from American Express for Delta Airlines. This card earns a bonus of 60,000 miles after spending $2,000 in the first 3 months and $1,000 in the first 6 months!

These cards do not carry any annual fee, foreign transaction fee, and many other benefits. However such cards require excellent/good credit score.