Best Credit Cards of 2013

Editor’s Rating: — With Chip technology, a great choice for international travel

• Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% – 22.99% based upon your creditworthiness*
• Earn 1 ThankYou Point for every $1 you spend on purchases.
• Enjoy no limit on the number of points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• Travel with ease and enjoy global acceptance with Chip Technology
• No annual fee*

Editor’s Rating —

• Earn 2,500 Bonus Points after your first purchase
• 0% Introductory APR for 6 months on purchases and balance transfers
• No annual fee
• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• Use the points you earn like cash to pay for almost any purchases you’ve made.
• No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
• Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

Editor’s Rating —

• $100 bonus after you spend $500 on purchases within the first 3 months
• 50% bonus on the cash back you earn every year
• 1% cash back on all purchases
• No annual fee
• 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 May 2014 on balance transfers
• 0% intro APR until May 2014 on purchases

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% cash back at Home Improvement Stores now through June on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concerige^SM 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.
• 0% Intro APR on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.*
• 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.

Editor’s Rating — — Editor’s Pick, Average/Limited Credit.

• $0 intro annual fee for the first year; $19 after that
• Image Card – personalize your card with an image of your choice
• $0 Fraud Liability if your card is lost or stolen
• Monitor your spending with text message alerts

Editor’s Rating —

• All 32 teams and NFL Shield card available
• 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
• One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
• Earn 2 points for every $1 spent on NFL or team purchases – 1 point for all other purchases
• No cap on points earned and points never expire
• Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
• 20% off every purchase at NFLShop.com – that’s $20 off every $100 you spend