What are the Top 10 Credit Cards with a Starting Number of 5?

As an expert in the field of credit cards, I am happy to provide a detailed response to the question of what are the top 10 credit cards with a starting number of 5. These cards are often referred to as "5-series cards" and can offer a range of benefits to cardholders. In this article, I will provide an overview of the top 10 cards in this category, as well as some tips for choosing and using credit cards.

1. Discover it Cash Back

The Discover it Cash Back card is a popular choice for those looking for a 5-series card. It offers 5%cash backon rotating categories each quarter (up to the quarterly maximum) and 1% cash back on all other purchases. There is no annual fee, and the card also comes with a 0% introductory APR on purchases andbalance transfers for the first 14 months.

2. Chase Freedom

The Chase Freedom card is another 5-series card that offers rotating 5% cash back categories (up to the quarterly maximum) and 1% cash back on all other purchases. New cardholders can also earn a $150 bonus after spending $500 in the first three months. The card has no annual fee and also offers a 0% introductory APR on purchases and balance transfers for the first 15 months.

3. Citi Double Cash

The Citi Double Cash card is unique in that it offers 2% cash back on all purchases - 1% when you make the purchase and 1% when you pay it off. There is no annual fee, and the card also comes with a 0% introductory APR on balance transfers for the first 18 months.

4. Barclaycard Arrival Plus World Elite Mastercard

The Barclaycard Arrival Plus World Elite Mastercard is atravel rewardscard that offers 2x miles on all purchases. New cardholders can earn 70,000 bonus miles after spending $5,000 in the first 90 days. The card has an annual fee of $89, but it also comes with a range of travel benefits such as no foreign transaction fees and travel accident insurance.

5. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on all purchases with no annual fee. New cardholders can also earn a $200 cash bonus after spending $500 in the first three months. The card also comes with a 0% introductory APR on purchases and balance transfers for the first 15 months.

6. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card offers 3% cash back on a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. New cardholders can also earn a $200 cash rewards bonus after spending $1,000 in the first 90 days. There is no annual fee, and the card also comes with a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles.

7. Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa Card offers 1.5% cash back on all purchases with no annual fee. New cardholders can also earn a $150 cash rewards bonus after spending $500 in the first three months. The card also comes with a 0% introductory APR on purchases and balance transfers for the first 15 months.

8. US Bank Cash+ Visa Signature Card

The US Bank Cash+ Visa Signature Card offers 5% cash back on two categories of your choice (up to $2,000 in combined purchases per quarter), 2% cash back on one category of your choice (such as gas stations or grocery stores), and 1% cash back on all other purchases. There is no annual fee, and the card also comes with a 0% introductory APR on balance transfers for the first 12 billing cycles.

9. Chase Slate

The Chase Slate card is a balance transfer card that offers a 0% introductory APR on balance transfers for the first 15 months (with no balance transfer fee for transfers made in the first 60 days). There is no annual fee, but the card does not offer rewards or cash back.

10. American Express Blue Cash Preferred Card

The American Express Blue Cash Preferred Card offers 6% cash back on up to $6,000 in purchases at U.S. supermarkets each year, 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. New cardholders can also earn a $300 statement credit after spending $3,000 in the first six months. The card has an annual fee of $95.

Tips for Choosing and Using Credit Cards

When choosing a credit card, it's important to consider yourspending habitsand goals. If you frequently travel, a travel rewards card like the Barclaycard Arrival Plus World Elite Mastercard may be a good choice. If you want to earn cash back on all purchases, the Citi Double Cash card may be a better fit. It's also important to consider any annual fees and interest rates associated with the card.

Once you have a credit card, it's important to use it responsibly. This means paying your bill on time and in full each month to avoid interest charges and late fees. It's also a good idea to keep your credit utilization ratio (the amount of credit you're using compared to your credit limit) low - generally, it's recommended to keep it under 30%. Finally, be sure to monitor your credit card statements for any unauthorized charges or errors.

In conclusion, the top 10 credit cards with a starting number of 5 offer a range of rewards and benefits to cardholders. By choosing a card that aligns with your spending habits and goals, and using it responsibly, you can take advantage of these benefits while avoiding common credit card pitfalls.