The Best Credit Cards of 2013

A credit card is a valuable tool in the digital age. Credit cards help the savvy consumer to build credit by making purchases with their cards and paying off their balance at the end of the month. The most difficult part of credit cards is almost certainly finding the right credit cards rewards for you. Your approval is not always guaranteed, and factors like previous credit history play an important part in determining which cards you can have and what your balance will be with those cards. Whether you’re looking for the best credit cards with online rewards or finding 0% interest cards to do a balance transfer with, you can apply online for the following cards and get started today.

Cards for Balance Transfers

The Slate card from Chase tops this category. With a 0% introductory APR on balance transfers, this card can definitely save you money if you move your other credit card balances over to this one.

Cards for Cash Back Rewards

The Discover card might not top this category in terms of what you get when you start (Chase has a $100 offer if you spend $500 during the first three months of the card), but this card is an excellent all-around card. Featuring 5% cash back on categories that change quarterly and no annual fee, this card also has excellent options for balance transferring.

Cards for Low Interest

When it comes to credit cards with 0% interest, you won’t get much better than the Citi Simplicity Card. Featuring 0% APR for the first eighteen months, this card seals the deal with no late fees, ever. This is a great starter card for someone that has good credit and is looking to get into a better class of credit cards.

 

When it comes to travel, you’ve got a couple of options to apply online for. The Capital One Venture Rewards card is generally considered to be the best choice in this category, and has been for several years. Recent competition has come in the form of the Chase Sapphire card, which offers 40,000 points if you spend three thousand dollars in the first three months. That adds up to over five hundred dollars toward travel rewards. So if you plan on spending big early with your card, Chase Sapphire might be the new winner in this category.

No matter which card you decide to go with, always remember that a credit card is best used by paying the balance off each month. This will help you build or maintain your good credit and pay off down the road when you need loans for new vehicles or a house.