Tuesday

Top 10 Best Credit Cards To Get Your Hands On



Credit Cards,
  1. In 2012, there were 4.9 billion credit cards sent in the U.S.
  2. Credit cards are used more than 20 billion times in one year just in the U.S.
  3. Stacking all the credit cards in the United States would create a tower 288 miles high.
  4. In 1958, Bank of America introduced the first general-purpose credit card. They mailed 60,000 (unsolicited) real BankAmericard credit cards to the residents of Fresno, CA. By 1959, over 2 million cards had been “dropped.” Unfortunately, eventually 1 in 5 accounts became delinquent and credit card fraud became rampant. BoA lost $8.8 million with this project.
  5. According to federal law, the maximum liability for unauthorized card use is $50 per card and $0 for any charges after the card is reported lost or stolen.
  6. The first credit card hologram was introduced by MasterCard in 1983. It was created to help prevent counterfeit credit cards. 
  7. MasterCard was initially named MasterCharge. It changed its name in 1979.
  8. The first company to use a credit card made out of plastic was American Express in 1959 (previous cards were made from cardboard or celluloid). It also introduced the first card made of anodized titanium (the Centurion Card or the “Black Card”).
  9. All credit cards everywhere are the same size: 85.60 mm x 53.98 mm.
  10. In 1959, the idea of a “revolving” balance was introduced. This means that cardholders could keep a balance on their credit card without having to pay it off completely every month. While it meant that customers might have to pay finance charges, it also meant that they had more flexibility.
  11. While early credit cards (Diners Club and American Express) functioned in a “closed-loop” system—which consisted of the consumer, the merchant, and the issuer of the card—in 1966, a national credit card system formed which allowed a “open-loop system,” which required interbank cooperation and funds transfer. Whereas VISA and MasterCard use an open-loop system, American Express, Diners Club, and Discover Card still use a closed-loop system.
  12. Excluding zero-balance cards and store cards, the average credit card debt per U.S. adult in 2013 was $4,878.  


 top 10 cards to fit anyone’s need.Updated: 03/10/2015
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for qualifying balance transfers for 12 billing cycles*0% for purchases for 12 billing cycles*
Regular APR
12.99% - 22.99% Variable* on purchases & balance transfers
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BankAmericard Cash Rewards™ Credit Card

BEST FOR

Earning bonus cash back on gas and grocery purchases.
This cash back credit card from Bank of America offers new cardmembers an online-exclusive $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening. This card comes with bonus rewards and will earn you 3% cash back for gas purchases and 2% cash back for grocery store purchases for the first $1,500 in combined purchases each quarter. After that, a flat 1% cash back is earned per dollar spent on other purchases, every time. This offer also comes with an intro 0% APR on purchases and balance transfers for the first 12 billing cycles.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% APR for 15 Months0% APR for 15 Months
Regular APR
12.99%-22.99%* (Variable)
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Citi® Double Cash

BEST FOR

Earning cash back twice on every purchase.
This is the newest credit card from Citi and also happens to be one of the most unique credit cards around. The Citi Double Cash credit card will earn you cash back TWICE on every purchase; 1% cash back on all purchases, plus 1% cash back when you pay for those purchases. This card keeps it simple with no reward restrictions, caps, rotating categories, or annual fee. An added bonus to carrying this card is the 15-month long intro 0% APR for purchases and balance transfers.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
N/A0% for purchases for 12 billing cycles*
Regular APR
14.99% - 22.99% Variable* on purchases & balance transfers
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BankAmericard Travel Rewards® Credit Card

BEST FOR

Foreign country travelers that want to earn rewards.
This travel rewards card will earn a flat 1.5 points on every purchase, every time. Miles can be redeemed for flights, hotels, vacation packages, cruises, rental card, and even baggage fees. Your miles won't expire and there’s no limit on the number of miles you can earn. New card members can also earn a one-time bonus of 10,000 points after spending $500 on the card in the first 90 days. There's no annual fee either, making this card virtually free to carry.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 18 Months*0% for 18 Months*
Regular APR
12.99%-22.99%* (Variable)
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Citi Simplicity® Card

BEST FOR

Tranferring a balance with high interest to a low interest card.
This credit card is currently offering one of the longest introductory periods of 0% APR for 18 months on both balance transfers and purchases. That gives the cardholder a year and a half to pay their balance off without paying a penny in interest, but it does come with a balance transfer fee of 3% or $5, whichever is greater. The Citi Simplicity is catered specifically for balance transfers and interest free purchases, so it doesn’t come with a rewards program. This card also has no annual fee.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 15 Months*0% for 15 Months*
Regular APR
12.99%, 17.99%, 22.99% Variable
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Chase Slate®

BEST FOR

Transferring a credit card balance completely fee-free.
This card is my favorite of all the balance transfer credit cards because it’s the only one on the market offering 0% APR on the balance transfer, in addition to no balance transfer fee. That’s right; if you perform a balance transfer in the first 60 days of card membership, you pay no fees for the transfer, which is usually 3% or $5. Chase Slate also comes with 0% APR on purchases and balance transfers for the first 15 months and no annual fee. 
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 15 months on purchases and BTs*0% for 15 months on purchases and BTs*
Regular APR
13.99%-22.99% Variable*
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Chase Freedom®

BEST FOR

Earning 5% cash back on purchases in popular rotating categories.
Chase really nailed it when they created this rewards credit card. Chase Freedom has long been considered one of the best rewards credit cards, earning cardholders an average of $362 per year. To start, new cardmembers can earn a $100 Bonus after spending $500 on purchases in the first 3 months of account opening and a $25 Bonus when you add your first authorized user to the card within the same 3 months. A large 5% cash back can be earned on purchases in popular rotating categories, like at gas stations and restaurants, and earn 1% cash back on all other purchases. As if this card doesn’t come with enough perks, you also get an intro APR of 0% for 15 months on purchases and balance transfers.  
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 14 Months0% for 14 Months
Regular APR
10.99% - 22.99%* (Variable)
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Discover it®

BEST FOR

Earning 5% cash back on purchases in popular rotating categories.
Discover it will earn card members whopping 5% cash back on certain categories of purchases that rotate every quarter and also 1% cash back on all other purchases. Cardholders can also get up to 20% in cash back bonuses by shopping exclusively through their online shopping mall. This Discover it Credit Card offers 0% APR for 14 months on purchases and balance transfers and there’s no annual fee. An added bonus to carrying this card includes free access to your FICO credit score. 
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 15 Months0% for 15 Months
Regular APR
12.99%-21.99% (Variable)*
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Blue Cash Everyday® Card from American Express

BEST FOR

Earning maximum rewards on everyday purchases.
The Blue Cash Everyday Card has a great rewards program; earn 3% cash back at US supermarkets, limited to $6,000 in purchases per year; earn 2% cash back at US gas stations and select US department stores; and also earn 1% cash back on all other purchases. New cardmembers will earn a $100 statement credit after making $1,000 in purchases in the first 3 months and there’s an intro APR of 0% for 15 months on both purchases and balance transfers.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for 12 months (must be completed within first 45 days of account opening)N/A
Regular APR
14.99% or 18.99%* (Variable)
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Barclaycard Arrival Plus™ World Elite MasterCard®

BEST FOR

Frequent travelers who want to earn 2 miles on all purchases.
This card will earn you a flat 2 miles on all purchases and comes with a great sign-on bonus of 40,000 miles after you spend $3,000 on purchases in the first 90 days of account opening. Your miles don’t expire and can be redeemed for travel statement credits and you won’t be charged any foreign transaction fees. This card comes with an annual fee of $89, which is waived the first year.
 
KEY BENEFITS
Intro BT APRIntro Purchase APR
0% for qualifying balance transfers for 15 billing cycles*0% for purchases for 15 billing cycles*
Regular APR
10.99% - 20.99% Variable* on Purchases & Balance Transfers
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BankAmericard® Visa® Card

BEST FOR

This card was created specifically for those who want to pay no interest on purchases or want to transfer a balance to this card. This low-fee credit card offers 0% interest for the first 15 billing cycles on purchases and balance transfers and comes with no annual fee. 











 Credit: http://www.stumbleupon.com/su/22cTIT/16G.UQfaf:PeLSdjWP/www.comparecards.com/landing/best-credit-card-offers-2014?


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