Bankruptcy Law, Credit, Timothy Kingcade Posts

Best Credit Cards of 2014

The list is finally here! After an in-depth, independent investigation has revealed its Best Credit Cards of 2014 list. This list can help you determine the best credit card for your financial situation and spending habits.

Best Travel & Rewards Card: Barclay Arrival World Mastercard. If you like to travel, this card is for you. This travel credit card earns 2 miles per dollar (equivalent to 2% cash back) spent on all purchases with no mileage caps or foreign transaction fees. In addition, consumers will earn 40,000 bonus miles after spending $3,000 in the first 90 days- equal to $400 worth of travel. The points are easy to redeem. Simply use the credit card to book the travel and then redeem your miles for a statement credit against the cost.

Lowest APR Card: Citi Simplicity Card. This card allows you to pay 0% interest for 18 months- the longest interest-free period for both purchases and balance transfers available. Think about using this card if you are looking to make a big purchase soon and plan on carrying the balance for a while or if you are looking to transfer a balance from another credit card. There are no late fees or penalty fees associated with this car.

Best Cash Back Card. BankAmericard Cash Rewards TM Credit Card. If you are looking for the best money-making cash back credit card, look no further. This card offers consumers 2% cash back at grocery stores and 3% on gas (for up to $1,500 in combined gas and grocery purchases each quarter) and 1% cash back on everything else. In addition, there is a $100 online cash rewards bonus after spending $500 in the first 3 months, and a 12-month 0% intro APR on purchases and balance transfers.

Best Balance Transfer Card: Slate from Chase. If you have been stuck paying high interest rates on your credit card balances this card is for you. You can transfer your balances from other credit cards free of charge and start enjoying 15-month 0% intro APR on all purchases and balance transfers. This will allow you time to pay down the balances and will save you money on interest charges in the interim.

Best Card to Help Rebuild your Credit: Capital One Secured Mastercard. If your credit rating has taken a hit recently or you are simply trying to rebuild your credit following bankruptcy, the Capital One Secured Mastercard is a smart choice. This card is available to those with poor or no credit and can help consumers rebuild their credit history, if they use the card responsibly.The Capital One Secured Mastercard requires that you provide a cash collateral deposit to help secure the account. This deposit is usually equal to the line of credit on the card, and will help pay the balance in case of default. By making timely payments each month you can help boost your credit history. This card also reports to all three major credit bureaus on a monthly basis.

Best Student Credit Card. Citi Dividend Card for College Students. This card offers 5% cash back in quarterly rotating categories, 1% cash back on everything else and no annual fee. There is a 0% intro APR for 7 months, allowing you to use the card to purchase books tuition costs and pay no interest for 7 months.

Best Business Credit Card: Chase Ink Cash Business Card. Business credit cards are a great way to fund your business and keep your personal and business expenses separate. This card is oriented more towards business spending. You will earn 5% cash back on office supplies, on mobile phones, landline, Internet and cable TV expenses. You will also earn 2% cash back on the first $25,000 spent each year at restaurants and gas stations. This card also has 0% APR for 12 months on balance transfers and purchases and no annual fee.

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If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at