The Best Credit Card Offers of 2013

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With 2013 in full swing, it seems like a good time to review the best credit card offers available. Owning the right credit card(s) that fit your spending habits is not only the responsible thing to do, but also the smart thing to do.  Credit Cards get a bad rap sometimes, especially when you start to see the fees and interest piling up. But the best credit card offers include cards that award cash back, points and miles, and even 0% APR introductory rates, all for little to no annual fee and somewhat low interest rates.

Spanning many different credit card issuers, we’ve compiled a long list of the 2012 best credit cards available today.  If you own a credit card, or are considering an application to a card you don’t see featured on this list, let us know by leaving a comment below and we’ll be happy to see if it deserves a spot on our list. 

Best Consumer Credit Cards

Discover

Discover IT™
	The new Discover it card is out to change the way people think about credit cards. Fair...no annual fee. No overlimit fee. No foreign transactions fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cash Back ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card Flexible...Choose your own due date and pay up to midnight ET online or by phone Human...talk to a real person any time with 100% U.S.-based service Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee 0% Intro APR* on purchases and balance transfer for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *Click apply for Terms & Conditions
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 14 months* 10.99% - 22.99%* (Variable) $0* 0%* Excellent Credit

American Express

Blue Cash Everyday® Card from American Express
	Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required. Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required. No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time. Terms and Restrictions Apply.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months 12.99%-21.99% (Variable) $0 Yes Excellent Credit

Starwood Preferred Guest® Credit Card from American Express
	Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines No limits on the number of Starpoints you can earn $0 introductory annual fee for the first year, then $65 Terms and Restrictions Apply.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed None None 15.24%-19.24% (Variable) $0 introductory annual fee for the first year, then $65 Yes Excellent Credit

Citibank

Citi Simplicity® Card
	0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. No late fees - EVER No penalty rate - EVER No annual fee - EVER Save time when you call with fast, personal help, 24 hours a day.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 12.99% - 21.99%* (Variable) $0* 0%* Excellent Credit

Citi® Dividend Platinum Select® Visa® Card
	$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back Full 1% cash back on all other purchases and eligible cash advances No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 12.99%-22.99%* (Variable) $0* 0%* Excellent Credit

Capital One

Capital One® VentureSM Rewards Credit Card
	2 miles per dollar on every purchase, every day As seen in Money® Magazine’s “Best” issue three years in a row. - Money® Magazine May 2010, 2011, 2012 Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel Redeem your miles for any travel expense No limit on the miles you can earn and miles don’t expire Fly on any airline, any time with no blackout dates No foreign transaction fees $0 intro annual fee for the first year; $59 after that
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 13.90%-20.90% (Variable) $0 intro for first year; $59 after that N/A Excellent Credit

Best Business Credit Cards

SimplyCash® Business Card from American Express
	With no annual membership fee, it's a smart choice for your business Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers 3% at U.S. gas stations 1% on other purchases Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%. Terms and limitations apply
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 6-12 months 12.24%-19.24% (Variable) $0 N/A Excellent Credit

The Plum Card® from American Express OPEN
	Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Do Business On Your Terms $0 introductory annual fee for your first year, then $250. No annual fee for Additional Cards Terms & Restrictions Apply
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A N/A $0 1st year, then $250 N/A Excellent Credit

Ink Cash® Business Card
	Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2% cash back on the first $25,000 spent annually at gas stations and restaurants 1% cash back on all other card purchases with no limit to the amount you can earn 0% introductory APR for 6 months on purchases and balance transfers No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 6 months 13.24% (Variable) $0 0% Excellent Credit

CitiBusiness ThankYouSM Card
	Designed for businesses with an established credit history Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards 0% intro APR on Purchases for 6 months. After that, 13.24% variable Earn 3 ThankYou(R) points for every dollar you spend on eligible purchases in rotating business categories. Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash No limit to the amount of points you can earn on purchases and points don't expire No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 13.24%* (Variable) N/A N/A* Excellent Credit

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

Discover is a paid advertiser of this site.

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Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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