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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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	15.99% - 22.99%* (Variable)	None

Chase Sapphire^SM 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 Rewards^SM
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

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

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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	15.99% - 22.99%* (Variable)	None

Chase Sapphire^SM 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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	15.24% Variable	None

Citi ThankYou^SM 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

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	12.99% - 22.99%* (Variable)	None

Capital One^® Venture^SM 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

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 Everyday^SM 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

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

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

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

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

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

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

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

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

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

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

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

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

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers*	21 months*	12.99% - 21.99%* (Variable)	None

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Best Credit Cards, January 2012 Edition

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

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*

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

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

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

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!

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*

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

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

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

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

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

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

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

Chase Sapphire^SM Preferred Card

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

Chase Freedom^® MasterCard - $200 Bonus Cash Back

Chase Freedom^® Visa - $200 Bonus Cash Back

Chase Sapphire^SM Card

Citi ThankYou^SM 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

Capital One^® Venture^SM Rewards Card

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

Blue Cash Everyday^SM from American Express

Capital One^® Cash

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

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

United MileagePlus^® Explorer Card

Continental Airlines OnePass^® Plus Card

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*

Gold Delta SkyMiles^® Credit Card from American Express

Citi^® Hilton HHonors^™ Visa Signature^® Card

Marriott Rewards^® Credit Card

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

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

Capital One^® Cash Rewards for Newcomers

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

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