NerdWallet’s Best Credit Cards of 2013

Chase Freedom^® Visa

• 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 from account opening
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
• You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• No annual fee and rewards never expire

Capital One® Cash Rewards - $100 Cash Back Bonus

• $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 on purchases and balance transfers until May 2014

Discover it®

• 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% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge^SM 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.
• Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Blue Cash Everyday® Card from American Express

• Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
• Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
• Terms and Restrictions Apply.

Capital One® Venture^SM Rewards Credit Card

• 2 miles per dollar on every purchase, every day
• As seen in Money® Magazine's "Best" issue three years in a row. - Money® Magazine May 2010, 2011, 2012
• Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
• Redeem your miles for any travel expense
• No limit on the miles you can earn and miles don't expire
• Fly on any airline, any time with no blackout dates
• No foreign transaction fees
• $0 intro annual fee for the first year; $59 after that

Chase Sapphire Preferred®

• 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
• 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases
• Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards^SM
• No foreign transaction fees
• Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed
• 1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points
• Direct access to expert service advisors anytime
• Introductory Annual Fee of $0 the first year, then $95

Capital One® Cash Rewards - $100 Cash Back Bonus

• $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 on purchases and balance transfers until May 2014

Capital One® Venture^SM Rewards Credit Card

• 2 miles per dollar on every purchase, every day
• As seen in Money® Magazine's "Best" issue three years in a row. - Money® Magazine May 2010, 2011, 2012
• Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
• Redeem your miles for any travel expense
• No limit on the miles you can earn and miles don't expire
• Fly on any airline, any time with no blackout dates
• No foreign transaction fees
• $0 intro annual fee for the first year; $59 after that

Citi Simplicity® Card

• 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.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• No late fees - EVER
• No penalty rate - EVER
• No annual fee - EVER
• Save time when you call with fast, personal help, 24 hours a day.

Citi® Diamond Preferred® Card

• Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
• Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
• Let our 24/7 concierge service help book your hotel rooms, flights and more.
• Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
• $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
• No annual fee*

Discover it®

• 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% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge^SM 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.

Citi Simplicity® Card

• 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.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• No late fees - EVER
• No penalty rate - EVER
• No annual fee - EVER
• Save time when you call with fast, personal help, 24 hours a day.

Ink Cash® Business Card

• Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
• 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
• 2% cash back on the first $25,000 spent annually at gas stations and restaurants
• 1% cash back on all other card purchases with no limit to the amount you can earn
• 0% introductory APR for 6 months on purchases and balance transfers
• No Annual Fee

The Business Gold Rewards Card® from American Express OPEN

• Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†.
• Earn points even faster to get more rewards for your business.
• 3X points on airfare purchased from airlines. 2X points at US gas stations.
• Up to $100,000 in each category per year, then 1 point.
• Terms and limitations apply.
• Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
• $0 introductory annual fee for the first year, then $175.
• †Apply online to qualify for this offer. See offer terms for details.

Barclaycard® Rewards MasterCard® - Average Credit

• Earn 2 points per $1 on gas, grocery, and utility purchases
• Earn 1 points per $1 everywhere else
• No balance transfer fee
• No annual fee
• 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

Capital One® Secured MasterCard®

• Get the credit you need with no application or processing fees
• Automatic reporting to the 3 major credit bureaus
• Track credit with access to your credit score and other tools
• Your refundable security deposit can get you a line up to $3,000
• You may qualify for credit line increases with no further security deposit required
• Use it like any MasterCard credit card, accepted at millions of locations worldwide

Discover it® for Students

• 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 in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
• Plus a Cashback Concierge^SM 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.
• Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
• 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.

Citi® Dividend® Card for College Students

• Earn bonus cash back each quarter on new must-have categories— like department stores, travel and more, with enrollment
• Earn a full 1% cash back on all other purchases
• Free enrollment each quarter for new categories that earn additional cash back.
• Manage your account online, on your tablet or on your Smartphone
• No Annual Fee