There Is Still Time To Find A Great Credit Card Offer In 2013

In these tough economic times, it is obvious that the best credit cards for 2013 are the ones that offer the biggest bang for your buck. With many banks now reporting record earngings and interest rates still near all time lows, most consumers are receiving multiple offers every day from various card companies, what are the best options for a credit card for you this year, how do you determine if you need a cash back or rewards card, we will try to help make the process a bit easier to understand.

The biggest considerations are the most obvious: low interest rates, travel incentives, and cash back points. Other serious considerations are building, and learning to manage credit.

Credit cards should also work for you in other ways to; most importantly to raise your credit score. Considering that credit scores influence the amount of credit that is extended on major purchases, and that higher credit ratings are directly related to lower interest rates on major purchases such as cars, business loans, and mortgages; they certainly should not be taken lightly.

So, what do the best cards of 2013 have to offer?

1. The Chase Sapphire Preferred Card offers some fantastic benefits: 40,000 bonus points if you spend $3000 within the first 3 months, 20% off travel via their ultimate reward program, and best of all no sign up fees the first year. (1) It is easy to see why the Sapphire is a popular choice. So, what is the downside? A steep 15.24% interest rate is not that enticing.

2. The best 0% card is without a doubt the Slate from Chase. No interest at all for the first 15 months, and no balance fees ever make this the way to go for big purchases. It is also a good option for students working on how to manage debt. (2)

3. If you are a traveler- whether for business or simply for pleasure- then the best card for you is easily the Capital One Venture. Offering 2% cash back on any purchase, plus $100 back on every $1000 spent, makes this one a traveler's favorite.

4. Sometimes credit scores can dip so low that no one will give you a card. In that case, a secured credit card is the way to go. Most will require you to deposit money with them that acts like collateral. Therefore, defaulting on the card is impossible. Cards like the Capital One Secured can be a sound way to rehabilitate your credit score while you work on becoming more financially stable.

5. For businesses, the top recommendation is the Chase Ink Card. They offer zero liability protection, top travel rewards, no cash back limits, and much more. Top rated and a very good card for business use, especially fledgling businesses as this card also offers free financial advice on transactions. (5)

So, what is the best credit card for 2013? The one that suits your individual requirements-so, look carefully at your own habits and needs, and soon enough you will find the best fit for you!

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