Top Ten Best Credit Cards

With so many different credit cards available it can be hard to make the right decision. Some may have inciting offers upfront just to hit you with high interest rates down the road. Others will give you points and airline mileage, but will limit when you can use them. To help you make a decision we have put together a list of the top ten best credit cards currently available taking many factors into consideration. These includes interest rate, customer service, security, and reward programs.


Citi CITGO MasterCard

If you have a long commute or find yourself spending too much money on gasoline, the Citi CITGO MasterCard may be the right card for you. Initially, you can save up to 10% on all qualifying CITGO purchases when you use your card. After the introductory period ends, you can still earn a 5% rebate on all CITGO purchases. Additionally, you earn 1% to 2% on all other purchases you make. However much you earn in rebates for a given month will automatically show up as a credit on your bill the following moth. The no redemption process is a favorite among those who prefer simplicity.


Elite Rewards World MasterCard

The Elite Rewards World MasterCard has some of the best introductory offers around. After your first purchase you will earn 800 bonus points, for the first year you will receive 0% APR on all balance transfers and purchases, and hassle-free travel rewards. You can pick from just about any major U.S. airline on any day you want, with no black out dates. On top of that you will receive discounts from Avis Rental cars and others when you use your Elite Rewards MasterCard.


Capital One Platinum Prestige

If you are looking for a simple card with a low interest rate and you have excellent credit, the Capital One Platinum Prestige card  will help keep your rates low. The card features a fixed rate 7.9% APR on all balance transfers and purchases. The card has no annual fee and won’t mandate a penalty interest rate if you go over the limit or accidentally miss a payment.


Bank of America World Points

If you have less than stellar credit the Bank of America World Points card is an excellent choice. The World Points card has a great rewards program and is easy to use. You earn one point for every dollar spend and you can redeem points for travel, merchandise, gift certificates, or cash. There is a 0% APR for the first year on all cash advance checks and balance transfers. Also as a token of appreciation, after enough qualifying transactions, Bank of America will credit $50.00 to your account.


Capital One No Hassle Rewards

The Capital One No Hassle Rewards makes the promise of having no blackout dates for flights and your miles will never expire. For each dollar spent you will earn 1.25 airline miles, which is 25% more than most traditional credit cards. The annual interest rate is about average coming in at 13.9%.



Commerce Bank (NJ) Visa

The Commerce Bank Visa offers some of the lowest standard interest rates around. Typical rates range from 2.99% to 8.99% depending on your credit. There are no annual fees, finance fees, balance transfer fees, cash advance fees, late payment fees, fees for going over the limit, or any other type of fees. The card presents itself as straight forward and simple and that is exactly what it is. Additionally all cardholders have 100% liability protection from unauthorized purchases, travel and emergency roadside assistance, and international travel accident and baggage delay insurance. The only downside to this card is the bank is not a national bank and only operates in New Jersey otherwise it would be number one on this list. With that said, if you live in New Jersey or the surrounding area, there is no excuse not to have this card.


Discover More

For certain spending categories Discover More is absolutely unbeatable. You can earn up to 5% cash back on qualified purchases on gas, food, entertainment, and travel. If you make purchases online through their website you can actually earn up to 20% cash back. On any purchases that don’t qualify for additional cash back you will receive the standard 1%. There is no annual fee and for the first year you will receive 0% interest on all purchases and balance transfers.


Citi Cash Returns

If you are looking for cash back card, Citi Cash Returns is a great choice. You will earn 1% cash back on nearly every purchase you make with only a few restrictions. Whenever you earn $50.00 in cash-back bonuses a check will automatically be sent to you requiring absolutely no effort. You don’t have to login to your account online or call customer service to get your rewards.


American Express Blue

American Express has made a name for itself through its commitment to excellent customer service. The card has no annual fee and new applicants will receive 0% APR for up to 15 months. Being a Blue card holder gives you access to one of the most expansive card reward programs around. You can spend your points just about however you would like. You can redeem them for airline tickets, merchandise, gift cards,  and account credit. A new concept introduced by American Express, if you opt for the Blue Cash card, you will receive cash back deposited directly into a high-yield savings account.


Chase Freedom

Chase Freedom is truly a credit card that has consumer’s best interests in mind. Every month Chase will automatically put you into the rewards program that will give you the biggest savings. The interest rate is pretty low starting at 14.99% for those with excellent credit. The card has no annual fee and offers free e-banking. The e-banking applications allows you to setup payment plans and allows the consumer to minimize their interest by allowing you to chose exactly what your payment will be applied to each month. It also keeps track of spending habits and offers a number of easy-to-use convenient reports. Chase is renowned for their excellent customer service and is available 24/7.


Source: Ask Men

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