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WHAT ARE THE BEST CREDIT CARD OFFERS

When searching the web for a new credit card, many people begin by entering the words “best credit card.”  Unfortunately, there is no true “best credit card.”  In fact, the best credit card for one person may be a bad offer for another.  Below, we break down the 2008 J.D. Power Rankings to help you find the best credit card for your spending style.

The Best MasterCard and Visa Credit Card Offers

Although American Express and Discover finished atop J.D. Power's rankings, most people prefer the convenience of a MasterCard or Visa that they know will be accepted everywhere.  Here are our top picks for consumers who want a Visa or MasterCard in their wallet.

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS

1 mile per dollar spent on purchases up to $1,000 each month 2 miles per dollar above $1,000 each month No limit on the miles you can earn and miles don't expire Redeem for Travel, Merchandise, Gift Cards and more No blackout dates and no seat restrictions Fly FREE on any airline to any destination No foreign transaction fees 0% APR on purchases until November 2010 No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% on purchases * Until 11/2010 * 13.9%(V) * None * Yes Excellent

SLATE(SM) FROM CHASE

Now with Blueprint(SM) 0% intro APR for up to 12 months on Purchases and Balance Transfers Patented Fraud Protection Zero Liability on Unauthorized Purchases E-mail and text alerts No Annual Fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% * up to 12 Months * As low as 13.24% * None * Yes Good

Compare All 0% Credit Card Offers

 

The Overall Winners

• American Express – This perennial leader of the pack earned five star rankings in every category, including overall satisfaction.  However, reports of credit limit cuts from many consumers may knock American Express of its throne this year.  Nevertheless, consumers who spend a lot, pay their bills in full monthly, and don’t mind paying an annual fee to get top tier rewards may fare best with American Express.  Consumers looking for 0% interest rates or no fee rewards may find themselves happier with another brand.  With all that in mind, our pick for the best American Express card is its Gold charge card, which comes with the well-regarded American Express Membership Rewards Program.  You can review the details below or compare all American Express cards in their respective section.

AMERICAN EXPRESS (R) PREFERRED REWARDS GOLD CARD

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards. Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide. Express Approval. Get a decision in less than 60 seconds.

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed N/A N/A N/A * $125 annual fee * No Excellent

• Discover – The consistent number two in the rankings is, in our opinion, often the best credit card for the vast majority of consumers.  Why?  Discover offers incredible value with 0% APR offers on balance transfers and purchases for six months, a solid, no fee cash back rewards program, and the lowest rate of customer complaints amongst all credit card companies.  Using the Discover® More(SM) Card for a 0% balance transfer could save a person with a $5000 balance on a 14% interest credit card around $300 over the course of six months.  Plus, they offer a number of ways to earn cashback of up to 20% on certain online specials.  You can review the details below or compare all Discover cards in their respective section.

DISCOVER® MORE (SM) CARD

0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers* No annual fee Customer Service in less than a minute, anytime you want 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more Up to 1% Cashback Bonus on all other purchases automatically Unlimited cash rewards Editor's Pick for best overall offer. Click more details below the card to find out why.

Intro on Purchases Intro APR Period Regular APR Annual Fee Transfers Credit Needed 0% * 6 Months * As Low As 11.99% * None * Yes Good

Final Thoughts

While J.D. Power rankings provide good insight into what a majority of people think about credit card companies, it is important to consider the factors that will provide you with the most value from your credit card.  In uncertain times such as these, the best credit card for most people is the card that will save you the most money.  To find that card, the best place to start is often a 0% APR credit card, regardless of who is issuing the card.

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