These are the 5 best credit cards that basically pay you to shop and travel.

LINKEDINCOMMENTMORE

DALLAS -- In my continued search to save you time and money, Wednesday I highlight the five perkiest credit cards in our region. Over the course of the past six years, I've had a chance to sample MANY different credit cards and programs. Now I break down the cards with the most benefits to customers.

Best Cash Back Credit Card:

Discover it Card:

  • Why? 0% APR on balance transfers for first 18th months then it starts at 10.99%.
  • No annual fee, no late fee for your first late payment.
  • 5% cash back on many category purchases, 1% cash back on everything else.
  • 100% U.S. Based customer service.
  • No late fee for your first late payment. APR does not increase if you pay late.

Best Current Credit Card Bonus:

Gold Delta Skymiles Credit Card from American Express:

  • Earn a whopping 50,000 bonus when you sign up
  • Quick rewards based on Delta purchases
  • Check your first bag free on every Delta flight
  • Priority boarding
  • No annual fee first year, then $95 per year.

Best Travel Credit Card (tied with Delta Amex)

United MileagePlus Explorer Card:

  • 50,000 bonus miles when you spend $2,000 in first three months
  • An additional 5,000 bonus miles when you add an authorized user in first three months
  • Check your first bag free
  • Priority boarding
  • Two United Club passes per year
  • No foreign transaction fees
  • Use miles for any seat, any time
  • No mileage expiration for active card-holders
  • No annual fee first year, then $95 per year

Best Retail Rewards Card:

Citi Thank You Preferred Card

  • 0% APR on balance transfers and purchases for 15 months
  • Points accumulate quickly based on retail spending
  • Citi Thank You points program is constantly expanding and fantastic based on our tests
  • Points never expire and are unlimited
  • Easy redemption options
  • No annual fee

Best Overall Card:

The Amex EveryDay Credit Card from American Express

  • Bonuses quickly add up with additional incentives
  • Best customer service of any credit card we've tested
  • 24/7 customer service and security options
  • No annual fee (rare for an Amex and fantastic)!
  • 0% APR on purchases and balances for 15 months

Best Credit Card Customer Service (based on our tests):

  • American Express (tremendous on all levels)
  • Chase (quick phone call answers, all U.S. based, 24/7 and fantastic)
  • Discover (some of the highest ranking customer satisfaction in the country)

Want a list of the best daily deals? Follow @MattGranite on Twitter.

Watch this 90 second Youtube video of me explaining why I like some cards better than others.

Neither myself nor this TV station receive any financial compensation for recommending any credit cards or from any card sign-ups. The only purpose of this series is to save you money.

LINKEDINCOMMENTMORE
Read or Share this story: http://www.wfaa.com/story/money/personal-finance/ways-to-save/2014/08/27/ways-save-credit-cards-benefits/14672225/