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Top 10 Best Credit Cards of 2012

Tuesday, February 14th 2012. | Best

This list is the top 10 best credit cards of 2012. If you bought the plane tickets, booked the hotel and rented the car you need the credit card. As credit card companies vie for a favored position in customers’ wallets, they’re pitching new travel enticements, from waiving foreign transaction fees that can add up to 3 percent to your purchases abroad to picking up fees for checked baggage.

10. Capital One Secured MasterCard

Best Credit Cards Capital One Secured MasterCard

Best Credit Cards Capital One Secured MasterCard

This is a MasterCard which is available in a secured version. The fees are quite reasonable and the minimum security deposit is low.  At the end of the day, this is probably the top credit card for bad credit.

 

9. Chase Ink

Best Credit Cards Chase Ink Classic

Best Credit Cards Chase Ink Classic

Though generally used to refer to the Chase Ink Classic credit card, the term “Chase Ink” actually applies to a suite of three different credit cards: the Ink Cash, the Ink (aka Classic) and the Ink Bold with Ultimate Rewards. The first two are quite similar and differ in a couple of small, subtle ways (that we’ll detail later), and we consider them to be the best business credit cards around.

 

8. Citi Forward

Best Credit Cards Citi Forward

Best Credit Cards Citi Forward

This best credit cards gives 5x points on restaurants/fast food as well as a few entertainment-related categories. Other spending nets you 1x points. There is no annual fee.

 

7. Chase United Airlines Credit Card

Best Credit Cards Chase United Airlines Credit Card

Best Credit Cards Chase United Airlines Credit Card

As you are well aware, just about every airline these days has their own card. However there are some distinct advantages that set the United Airlines credit cards apart from the competition.

 

6. Discover More

Best Credit Cards Discover More

Best Credit Cards Discover More

This best credit cards is the most popular card from Discover. It’s no annual fee and gives 5% on categories along with 0.25% to 1.00% on other spending.

 

5. American Express Gold (Premier Rewards Version)

Best Credit Cards American Express Gold (Premier Rewards Version)

Best Credit Cards American Express Gold (Premier Rewards Version)

This is a newer card from AmEx and chances are, you’ve probably seen a commercial or two for it. The annual fee is $175 which is definitely not for everyone. However if you are a moderate traveler and spend, say $2.5k or more, per month on average then the generous benefits and rewards you get will almost certainly outweigh the costs.

 

4. Citi Simplicity

Best Credit Cards Citi Simplicity

Best Credit Cards Citi Simplicity

This MasterCard (NYSE:MA) offers a 0% introductory APR on both balance transfers and purchases for 18 months, which allows you to pay off your existing card balance or any purchases on this card at 0% interest rate for almost 2 years.

 

3. Chase Freedom

Best Credit Cards Chase Freedom

Best Credit Cards Chase Freedom

The bonus aside, this card does offer a very straightforward and generous rewards program, especially considering that is has no annual fee. You get 1% on normal spending and 5% on categories.

 

2. Starwood Credit Card

Best Credit Cards Starwood Credit Card

Best Credit Cards Starwood Credit Card

The Starwood Credit Card not just to the Starwood Preferred Guest members, but also to those who would like to earn frequent flyer miles with this card. This best credit cards has been voted the best hotel program for many years and this card has won more “best affinity card” awards than any other card.

 

1. Blue Cash from American Express

Best Credit Cards Blue Cash from American Express

Best Credit Cards Blue Cash from American Express

It comes in 2 versions, the “Everyday” is free and the “Preferred” runs $75/year. Both have great programs but the one that really impresses me is the Preferred because it gives a full 6% at supermarkets, 3% at gas stations and department stores, plus 1% on everything else you buy. All of that is without limits in this best credit cards.


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