Best Credit Cards of 2013

These featured credit cards are our editors' picks. Compare and apply for your chosen card online or browse more cards by category.

Citi Thank You® Card

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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*
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 15 months 12.99% – 22.99% (Variable) $0 Excellent Credit

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Barclaycard® Rewards MasterCard® – Average Credit


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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
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers* 6 months* 24.99%* (Variable) $0* Fair Credit

Capital One® Cash Rewards – $100 Cash Back Bonus

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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
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers until May 2014 12.9% – 20.9% (V) $0 Excellent Credit

Discover it® – 18 Months

The Discover it credit card features 0% intro apr, cash rewards, and fair terms.

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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 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.
  • 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.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 6 months for purchases, 18 months for balance transfers 10.99% – 22.99%* Variable $0 Excellent Credit

Capital One® Platinum Credit Card

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
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 24.9% (V) $0 intro for first year; $19 after that Average/Limited Credit

NFL Extra Points Credit Card

Capital One(R) SparkSM Cash for Business

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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
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 12 months 13.74% – 22.74%* Variable $0 Fair Credit