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THE BEST CREDIT CARD OFFERS OF 2012
Our monthly ranking of the best credit card offers is based on a number of factors. The most important thing we look for are credit card deals that can save consumers money. These are often long 0% interest rate promotions for purchases and balance transfers. The next thing we look for are special sign up incentives, like $200 cash back bonuses, free miles, and points. Once we've narrowed down the choices, we rank credit card deals based on overall value and their popularity with other visitors.
Below you can compare the best credit card offers available this month. Once you've found the right card, click apply now to review the application and apply online. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD - $200 CASH BACK |
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- $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*
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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N/A
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N/A
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15.99% - 22.99%* (Variable)
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None
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Excellent
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CITI® PLATINUM SELECT® CARD |
MORE DETAILS HERE
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 18 Months*
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0% for 18 Months*
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11.99%-21.99% Variable*
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None
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Good
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CHASE FREEDOM® VISA - $200 BONUS CASH BACK |
MORE DETAILS HERE
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- This offer is for people with a good to excellent credit history which means, among other things. Your credit history is clear of bankruptcy and seriously deliquent accounts
- 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
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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N/A
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N/A
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15.99%-22.99% (Variable)*
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None
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Excellent
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CAPITAL ONE® VENTUREONE(SM) REWARDS CREDIT CARD |
MORE DETAILS HERE
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- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013*
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until February 2013*
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n/a
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11.9%-19.9%(V)*
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None
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Excellent
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CAPITAL ONE® VENTURE(SM) REWARDS |
MORE DETAILS HERE
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- 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
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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n/a
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n/a
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11.9%-19.9%(V)*
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$0 intro for first year; $59 after that
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Excellent
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DISCOVER® MORE CARD - LIMITED TIME NO FEE BALANCE TRANSFER |
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- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 12 Months*
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0% for 12 Months*
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10.99%-19.99% (Variable)
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None
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Good
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Tips to Help You Find The Best Credit Card Offers
If You Have Credit Card Debt, Look at Balance Transfers: If you have credit card debt you cannot repay within the next few months, the best credit card offer for you is likely one that offers a 0% APR on balance transfers. With a balance transfer credit card, you can move your high interest debt to a new card with a 0% APR. This type of offer will help you save money on interest and repay your credit card faster.
Don't be Tempted by Free Flights: Airline credit cards tend to offer the largest sign up bonuses, but these are not always the best offers. Airline cards come with high annual fees and the rewards you earn can be difficult to use. Unless you are a very frequent flyer and are familiar with the process of redeeming miles for flights, it may be best to pass on the massive bonuses airline cards offer and opt for a no annual fee card.
Take Advantage of Cash Back Bonus Offers: For the past few months, credit card companies have been offering $50 to $200 cash back bonuses to new customers. Offers like these are unique in the credit card world. In the past, the only credit cards that offered lucrative incentives like this were high fee airline credit cards. However, these offers do generally come with a catch. In order to earn your $100 cash back bonus, you need to spend $500 within three months of opening a new account. To make sure you qualify, use your card for everyday purchases and then pay your bill in full. This will help you meet the spending requirement without causing you to take on new debt.
Ideas to Help You Find the Best Credit Card Offer
The Best 0% APR Credit Card Offer for You: Before applying for a 0% APR credit card, consider how you will use the card. If you have high rate balances on your current cards, then a card with the longest introductory period on balance transfers may be best for you. However, if you are going to be using your card for both purchases and balance transfers, you may be better off seeking a card that offers a similar 0% length for both types of transactions. Full Article.
Cash Back Credit Cards Are the Best Type of Rewards Cards: Cash back credit card offers provide a number of advantages when compared to other types of rewards cards. Typically, cash back credit cards come with no annual fee and low interest rates, something that can not be said about most airline credit cards. More importantly, though, cash back credit cards offer easy to redeem rewards that, unlike points or airline miles, never lose value. Full Article
*Important Disclaimer: See online credit card applications for complete 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 issuing company's website.
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