Bookmark | Tell a Friend

Discover the best credit card deals


Search credit cards:
Best Credit Cards Bonus Rewards Credit Cards Travel Credit Cards Cash Rebate Credit Cards 0% on Balance Transfers

Best Credit Cards, January 2012 Edition


Bonuses, Cash Backs, Free Airline Miles, 0% APRs and More...

The following are the best credit card offers so far this year, which offer hefty cash backs, free airline miles rewards that may be rewarded after only your first purchase, 21 months 0% APR on purchases and balance transfers, 2% rebate on every purchase, 3% cash back on supermarkets and easy to get approved for new comers. Take your time and explore these wonderful credit cards.


Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back

  • $200 cash back after $500 in purchases within the first 3 months of account opening

  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment

  • Each quarter, you can enroll to earn additional cash back in popular categories

  • 5% average cash back at select merchants through Citi Bonus Cash Center®

  • Full 1% cash back on all other purchases and eligible cash advances

  • No annual fee*

  • Click here for official application, terms, and details

Citi Dividend Platinum Select Visa Card - $200 Cash Back Apply for Citi Dividend Platinum Select Visa Card - $200 Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.99% - 22.99%* (Variable) None

Chase SapphireSM Preferred Card

  • Limited Time Offer! - Earn 50,000 bonus points after you spend $3,000 in the first 3 months - that's $625 toward travel!

  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases

  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM

  • No foreign transaction fees

  • Earn a 7% annual points dividend - even on points already redeemed

  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value

  • 24/7 direct access to expert service advisors (No voice recording)

  • No Annual Fee for your first year - A $95 value

  • Click here for reviews on Chase Sapphire Preferred Card

Chase Sapphire Preferred Card Apply for Chase Sapphire Preferred Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.24% Variable $95, waived first year

Chase Freedom® MasterCard - $200 Bonus Cash Back

  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months

  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12

  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!

  • Unlimited 1% Cash Back on all other purchases

  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase

  • No annual fee and rewards never expire

  • Click here for reviews on Chase Freedom MasterCard

Chase Freedom MasterCard - $200 Bonus Cash Back Apply for Chase Freedom MasterCard - $200 Bonus Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.99% - 22.99% (Variable) None

Chase Freedom® Visa - $200 Bonus Cash Back

  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months

  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12

  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!

  • Unlimited 1% Cash Back on all other purchases

  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase

  • No annual fee and rewards never expire

  • Click here for reviews on Chase Freedom Visa

Chase Freedom Visa - $200 Bonus Cash Back Apply for Chase Freedom Visa - $200 Bonus Cash Back Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.99% - 22.99%* (Variable) None

Chase SapphireSM Card

  • Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!

  • 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases

  • Points never expire and there are no limits on how many points you can earn

  • Redeem points for travel, gift cards, merchandise, cash back and more

  • 24/7 direct access to expert service advisors (No voice recording)

  • No annual fee!

  • Click here for reviews on Chase Sapphire Card

Chase Sapphire Card Apply for Chase Sapphire Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.24% Variable None

Citi ThankYouSM Preferred Rewards Card - $250 in Gift Cards

  • $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening

  • Earn 1 point for every $1 you spend on all purchases

  • Receive an anniversary bonus every year you're a cardmember

  • No expiration and no limit on the points you can earn

  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more

  • No annual fee*

  • Click here for official application, terms, and details

Citi ThankYou Preferred Rewards Card - $250 in Gift Cards Apply for Citi ThankYou Preferred Rewards Card - $250 in Gift Cards Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 12.99% - 22.99%* (Variable) None

Capital One® VentureSM Rewards Card

  • Money® Magazine's "Most Rewarding Card if you crave free airline flights"

  • 2 miles per dollar on every purchase, every day

  • Earn 10,000 bonus miles, equal to $100 in travel

  • Redeem your miles for ANY travel expense

  • No limit on the miles you can earn and miles won't expire

  • Fly free on any airline, any time with no blackout dates

  • No foreign transaction fees

  • $0 intro annual fee for the first year; $59 after that

  • Click here for reviews on Capital One Venture Rewards Card

Capital One Venture Rewards Card Apply for Capital One Venture Rewards Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 11.9% - 19.9% variable $0 intro for first year; $59 after that

Blue Cash EverydaySM from American Express

  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Card membership

  • 0% intro APR on purchases for 12 months, flexibility to pay over time

  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases

  • No spend minimum, No enrollment, and No rotating rewards categories

  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card

  • No annual fee, flexibility to pay over time

  • Click here for reviews on Blue Cash Everyday from American Express

Blue Cash Everyday from American Express Apply for Blue Cash Everyday from American Express Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases 12 months 17.24% - 22.24% variable None

Capital One® Cash

  • $100 Bonus after you spend $500 in the first 3 months

  • 50% bonus on the cash back you earn every year

  • 1% cash back on all purchases

  • No annual fee

  • Earn unlimited cash rewards that don't expire

  • Redeem cash rewards anytime for any amount, even set up automatic redemption

  • Personalize your card with an image of your choice

  • 0% intro APR on purchases and balance transfers until February 2013

  • Click here for reviews on Capital One Cash

Capital One Cash Apply for Capital One Cash Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers until February 2013 12.9% - 20.9% variable None

Starwood Preferred Guest® Credit Card

  • Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel

  • Free nights, free flights: Redeem Starpoints with over 350 airlines and more than 1,000 hotels and resorts worldwide. No blackout dates

  • 2011 SmarterTravel® Award for "Best Travel Rewards Card"

  • $0 introductory annual fee for the first year, then $65

  • Click here for reviews on Starwood Preferred Guest Credit Card

Starwood Preferred Guest Credit Card Apply for Starwood Preferred Guest Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.24% - 19.24% variable $0 introductory annual fee for the first year, then $65

United MileagePlus® Explorer Card

  • Earn up to 40,000 bonus miles & first year free, a $95 value*

  • Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip

  • Board your flight before general boarding with priority boarding privileges

  • Visit the United Club with two complimentary day passes every year, up to a $100 value

  • Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else

  • Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase

  • Your miles don't expire and there is no limit to the number of miles you can earn

  • Click here for reviews on United MileagePlus Explorer Card

United MileagePlus Explorer Card Apply for United MileagePlus Explorer Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.24% variable $95, waived the first year

Continental Airlines OnePass® Plus Card

  • Earn up to 40,000 bonus miles & first year free ($95 value)*

  • Now with priority boarding privileges on Continental and United flights

  • Check your first bag for free on Continental and United flights, up to a $50 value

  • Visit the United Club with two complimentary passes every year, a $100 value

  • Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else

  • Your miles don't expire and there is no limit to the number of miles you can earn

  • Click here for reviews on Continental Airlines OnePass Plus Card

Continental Airlines OnePass Plus Card Apply for Continental Airlines OnePass Plus Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.24% Variable $95, First Year Free

Citi® Platinum Select® / AAdvantage® World MasterCard®

  • Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership – more than enough for a round-trip domestic flight award*

  • Earn an additional 10,000 AAdvantage® bonus miles after $5,000 in purchases during the first 6 months of cardmembership*

  • Receive a one-time $100 statement credit for the first eligible American Airlines purchase you make within the first 12 months of cardmembership*

  • $85 annual fee waived for the first 12 months*

  • Click here for official application, terms, and details

Citi Platinum Select / AAdvantage World MasterCard Apply for Citi Platinum Select / AAdvantage World MasterCard Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 15.24% variable* $85, waived for the first 12 months*

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening

  • $0 intro annual fee for the first year, then $95

  • Check your first bag free - for up to 9 people on your reservation- on every Delta flight

  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent

  • Priority Boarding and 20% In-Flight Savings

  • Click here for official application, terms, and details

Gold Delta SkyMiles Credit Card from American Express Apply for Gold Delta SkyMiles Credit Card from American Express Online
Intro APR Intro APR Period Regular APR Annual Fee
9.99% on Balance Transfers 12 months 14.50% variable $0 intro for first year, then $95

Citi® Hilton HHonors Visa Signature® Card

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*

  • Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio*

  • Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*

  • Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases.*

  • No Annual Fee.*

  • Click here for official application, terms, and details

Citi Hilton HHonors Visa Signature Card Apply for Citi Hilton HHonors Visa Signature Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.24% variable None

Marriott Rewards® Credit Card

  • Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel

  • No Annual fee for your first year – that's a $45 value*

  • Earn 3 points for every $1 spent at Marriott® locations

  • Earn 1 point for every $1 spent on other purchases

  • Cardmembers achieve Silver elite status with 10 nights credit toward Elite status

  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites

  • Click here for reviews on Marriott Rewards Credit Card

Marriott Rewards Credit Card Apply for Marriott Rewards Credit Card Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 14.24% Variable First Year Free, $45

Capital One® Cash Rewards for Newcomers

  • A card designed to help those new to the U.S. establish credit and earn cash back

  • Build credit with automatic reporting to the three major credit bureaus

  • Get 2% cash back on travel purchases

  • Earn 1% cash back on all other purchases

  • No foreign transaction fees

  • No annual fee

  • Click here for reviews on Capital One Cash Rewards for Newcomers

Capital One Cash Rewards for Newcomers Apply for Capital One Cash Rewards for Newcomers Online
Intro APR Intro APR Period Regular APR Annual Fee
N/A N/A 24.9% variable None

Citi Forward® Card

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months

  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable

  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases

  • APR reduction on purchases when using credit wisely

  • No Annual Fee*

  • Click here for official application, terms, and details

Citi Forward Card Apply for Citi Forward Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0%* on Purchases and on Balance Transfers* 12 months on balance transfers* and 7 months on purchases* 12.99% - 22.99%* (Variable) None

Slate® from Chase - Limited Time: No Balance Transfer Fee

  • LIMITED TIME: No Balance Transfer Fee!*

  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5

  • 0% Intro APR for up to 12 months - a variable APR as low as 11.99 - 21.99% after your 0% ends

  • Slate with Blueprint helps you pay down your balances faster and save on interest

  • Zero liability on unauthorized purchases*

  • No Annual Fee*

  • Click here for reviews on Slate from Chase

Slate from Chase - Limited Time: No Balance Transfer Fee Apply for Slate from Chase - Limited Time: No Balance Transfer Fee Online
Intro APR Intro APR Period Regular APR Annual Fee
0% on Purchases and on Balance Transfers up to 12 months 11.99% - 21.99% Variable None

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.

  • Peace of mind through direct access to a service representative, no late fees and no penalty rate

  • No annual fee

  • Click here for official application, terms, and details

Citi Simplicity Card Apply for Citi Simplicity Card Online
Intro APR Intro APR Period Regular APR Annual Fee
0%* on Purchases and on Balance Transfers* 21 months* 12.99% - 21.99%* (Variable) None
Chase Sapphire Preferred

United Explorer
How to ...
   Boost your credit score
   Apply for business credit cards
   Access your credit reports for free
   Choose and use credit cards
   Dispute a credit card bill
   Fight back against identity theft
What is ...
   The history of credit cards
   The meaning of credit card numbers
   The basics of credit scores
   Credit report says about you
   Truth of credit card loss protection
Credit Card Terminology
     Balance Transfer
     Cash Advance Check
     Annual Percentage Rate (APR)
     Introductory Rates
     Variable Interest Rate
     Prime Rate
     Periodic Rate
     Average Daily Balance
     Credit Limit
     Grace Period
     Minimum Monthly Payment
     Monthly Finance Charge
     Credit Score
     Pre-Approved
     Secured Credit Card
 
Chase Bank Credit Cards Capital One Credit Cards CitiBank Credit Cards American Express Credit Cards Discover Credit Cards MBNA Canada Credit Cards