Best of 2012 Credit Cards
-
- 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*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99% (Variable)* |
$0* | Excellent |
-
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 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 without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-22.99% (Fixed)* |
$0* | Excellent |
-
- An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
- Knowledgeable customer service representatives to assist you with questions or concerns
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| N/A* | N/A* | 14.99%-24.99% (Variable)* |
$39 first year, then $59* | Bad |
-
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 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
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- 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
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 10.99%-20.99% (Variable)* |
$0* | Excellent |
-
- 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*
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 11.99%-21.99% (Variable)* |
$0* | Excellent |
-
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- No spend minimum, No enrollment, and No rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | N/A* | 17.24%-22.24% (Variable)* |
$0* | Excellent |
-
- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR |
Annual Fee | Credit Rating |
| 0%* | 0%* | 12.99%-21.99% (Variable)* |
$0* | Excellent |
