highest benefit credit cards
The Chase Sapphire Reserveâ  is a hybrid between a rewards card and a premium credit card. For a hefty annual fee of $450, cardholders get access to some of the best rewards rates of any credit card, the highest credit card welcome bonus, and a slew of ancinilary travel benefits. The Chase Sapphire Reserveâ  gives a 4.5% rewards rate on travel and dining out, and 1.5% on everything else.
In fact, a study by FICO found that consumers with the highest credit scores (above 785) used, on average, only 7 percent of their available credit on credit cards. That means they charge only $350 on a credit card with a $5,000 credit limit. Or, just $1,400 on several credit cards with combined limits of $20,000.