Capital One Quicksilver Cash Rewards Credit Card. Excellent credit holders only need apply, but to get the ball rolling, spend $500 within the first three months and $100 in bonus money comes your way. In the future, earn 1.5-percent cash back on every purchase. Since there are no rotating categories, you don’t have to keep track of where you’re shopping each month. There’s no expiration on your rewards, and if you want another new account start-up incentive, get 0-percent interest on balance transfers and purchases until May 2015.
Capital One Venture One Rewards Credit Card. If your credit is excellent, you’ll enjoy all of the benefits of this card from the get-go. Spend $1,000 up front and 20,000 travel miles are credited to your account, at which point, you get unlimited 1.25-miles with all purchases. There’s no annual fee and you’re not restricted to one airline or hotel, so fly and stay where you want, not where you’re told to go. Miles don’t expire, either.
Gold Delta SkyMiles from American Express. In return for excellent credit, this American Express/Delta Air partnership is packed with rewards that will take you into 2015 in style. Use your card to make $1,000 in purchases within the first three months and 50,000 bonus miles are added to your card bank. In the future, receive 2X miles on Delta flights and 1X miles on other purchases. Walk to the front of the line with priority boarding and check your first bag gratis if you flash this card in 2015. Finally, a $50 statement credit follows that first Delta purchase. No extra charge for American Express name recognition that’s priceless.
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