The Best Credit Card Offers of 2014

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With 2014 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 2014 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.  :)

Consumer Credit Cards

Best Discover Credit Card

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0
711 Average credit score approved for this card† 676 Lowest credit score approved for this card†

Best Citibank Credit Cards

Citi ThankYou® Premier Card
Citi ThankYou® Premier Card
Apply Now...
at CitiBank's
secure site
  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 13.99% – 22.99%* Variable $125; fee waived for the first 12 months*
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 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.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
720 Average credit score approved for this card† 644 Lowest credit score approved for this card†

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*
727 Average credit score approved for this card† 672 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 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.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
701 Average credit score approved for this card† 652 Lowest credit score approved for this card†

Barclaycard Credit Cards

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
Apply Now...
at Barclaycard's
secure site
  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 14.99% or 18.99%* Variable $89 - waived first year
737 Average credit score approved for this card† 691 Lowest credit score approved for this card†

[showoff template=ck_box offer=CCBarclays1202]

Best Business Credit Cards

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
Apply Now...
at US Bank's
secure site
  • 0% Intro APR* for 15 billing cycles on purchases and balance transfers
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
  • 25% annual bonus of your prior year's cash rewards up to $250
  • No cap on the cash rewards you can earn and they never expire
  • $0* annual fee if you make one purchase per year, otherwise $25*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 15 Months 0% 15 Months 11.99% – 17.99%* Variable $0
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
Apply Now...
at US Bank's
secure site
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months;
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle – and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, after that $49 $55 (+$10 for employees) $0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 11.99% – 17.99%* Variable $0 intro first year, then $55
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

CitiBusiness® / AAdvantage® World MasterCard®
CitiBusiness® / AAdvantage® World MasterCard®
Apply Now...
at CitiBank's
secure site
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.24% (Variable) $95, waived for the first 12 months
742 Average credit score approved for this card† 668 Lowest credit score approved for this card†

CitiBusiness ThankYou® Card
CitiBusiness ThankYou® Card
Apply Now...
at CitiBank's
secure site
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No annual fee *
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months N/A N/A 13.24%* Variable N/A
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

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.

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.

* 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.

Published or Updated: January 14, 2014
About 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.

Comments

  1. Amy Saves says:

    I’m digging the Discover long duration balance transfer card. Perfect for those who want to move their higher balances to 0% for 24 months. Great blog!

    • DR says:

      Amy, it is a great offer. Unfortunately, as of May 1 it dropped to 18 months. Still a good deal, and Citi still offers cards with 18 month balance transfers.

  2. M. Kusnier says:

    I wanted to know if I would earn Credit with the American Express Green Card, I am asking as, with the green card you pay all purchases at months end…

  3. This contains several great credit card offers. However, I think $150 Restaurant.com Gift Certificate is pretty lame. You can get 80% off when it is on sale. That bring $150 to only $30 worth.

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