Best Credit Cards of 2013

Editor’s Rating — — Editor’s Pick, Flexible Travel Rewards (No Annual Fee).

• 1.25 miles per dollar on every purchase, every day and no annual fee
• One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, 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 don’t expire
• Fly on any airline, any time with no blackout dates
• 0% intro APR on purchases until May 2014
• No foreign transaction fees

Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

• 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 transaction 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 Cashback ConcerigeSM 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 transfers for 14 months. Then the variable purchase APR applies, currently
  10.99% – 22.99%. *Click apply for Terms & Conditions.

Editor’s Rating —

• No annual fee.
• Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. That’s up to $100 in cash rewards per year with the card.
• Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account.
• Low introductory APR offer
• Get 24/7 access online or over the phone to manage your account.
• Get an extra $5 bonus for a total of $30 per quarter when you have at least one other qualifying account with us. That’s up to $120 in cash rewards per year

Editor’s Rating – — The Citi® Diamond Preferred® Card combines a 18-month, 0% balance transfer APR with a low regular APR.

• 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
• 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*

Editor’s Rating — — Editor’s Pick, Rewards Card for Average Credit.

• 50% bonus on the cash back you earn every year
• 1% cash back on all purchases
• Earn unlimited cash back that doesn’t expire
• Redeem cash back anytime for any amount, even set automatic redemptions
• Personalize your card with an image of your choice
• 0% intro APR until February 2014 on purchases

Editor’s Rating: — Editor’s Pick, Best card for balance transfers or if you occasionally carry a balance.

• 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.