Credit cards are my friends. I use credit cards exclusively for almost all purchases, from groceries, gas, to airline tickets, whenever and wherever possible. The reasons I love credit cards can be summarized as 1) Using credit cards help me establish credit history; 2) I earn rewards by paying with credit cards; 3) Money won’t leave my bank account right away; 4) It makes managing and budgeting easier. Over the years, I have applied for, used, and abandoned many credit cards as my needs, and the credit card rewards programs, changed. Currently, I own a few cards that I think can bring me the best rewards from my everyday purchases:
TrueEarnings Card from Costco and American Express: Shop at Costco (1% cashback), which we do a lot, and fill up at Costco gas stations (3% cashback);
PenFed Visa Platinum Cashback Rewards Card: Fill up at elsewhere (5% cashback);
Citi ThankYou® Preferred Card – Bonus Point Offer: Earn points for the miles you fly when you purchase ticket with your Citi ThankYou® Preferred Card – Bonus Point Offer;
Chase Freedom Card: All purpose card (5% cashback rotating categories; 1% cashback otherwise).
Following are credit cards that currently offer the best rewards programs, and incentives. If you are looking for a credit card that allows to earn rewards, whether they are points, miles or cash rebates, faster, you will find one from the following that meets you needs.
Best cash back credit cards
Best gasoline credit cards
Best travel credit cards
Best business credit cards
Best credit cards for youth
Best credit cards for college students
Best pre-paid debit cards
Best secured credit cards
Best low interest rate cards
Best credit cards for balance transfer
Current credit card promotions
Current Credit Card Promotions
Discover More Card balance transfer for 18 months: 0% APR balance transfer for 18 months;
Citi ThankYou® Preferred Card – Bonus Point Offer: Receive 20,000 ThankYou Points after spending $1,500 in the first three months, redeemable for a $200 gift card;
American Express Premier Rewards Gold Card 25,000 bonus points: Earn 25,000 Membership Rewards bonus points when you spend $2,000 in the first three months;
American Express Starwood Preferred Guest Card 25,000 bonus points: Earn 10,000 with your first purchase and another 15,000 when you spend $5,000 within 6 months
Best Cashback Credit Cards
American Express Blue Cash Everyday Card 
Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
No annual fee, flexibility to pay over time
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
Best Credit Cards for Balance Transfer
Discover More Card 
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
Earn 5% Cashback Bonus on up to $1,500 in purchases at Department Stores and on ALL online shopping through December, as well as in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. It’s free and easy to sign up.*
Dscover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability, you’re never responsible for unauthorized charges on your Discover card account, plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Citi Platinum Select MasterCard
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.
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi Identity Theft Solutions
Secure, free online account management
No annual fee
Best Gasoline Credit Cards
Discover Open Road Card
0% intro APR on purchases and balance transfers for 14 months, then the variable standard purchase APR of 10.99% – 20.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
PenFed Visa Platinum Cashback Rewards Card
Earn 5.00% cash back from gas purchases paid at the pump
Earn 2.00% cash back on supermarket purchases good through February 28, 2011
Earn 1.00% cash back from all purchases you make with the card during each billing cycle
Up to $50,000 limit
No Annual Fee
Cash Rewards credited each month
No special restrictions to earn your cash rewards
Best Travel Credit Cards
Starwood Preferred Guest Credit Card from American Express
Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel
Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
2011 SmarterTravel® Award for “Best Travel Rewards Card”
$0 introductory annual fee for the first year, then $65
Chase Marriott Rewards Visa Signature Card
Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that’s enough up to 6 free nights at a category 1 hotel
No Annual fee for your first year that’s a $45 value
Earn 3 points for every $1 spent at Marriott locations
Earn 1 point for every $1 spent on other purchases
Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
Redeem Marriott Rewards points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
Best Business Credit Cards
SimplyCash Business Credit Card from American Express OPEN
Get 5% cash back on wireless services and office supply purchases
Get 3% cash back on automobile gasoline
Get 1% cash back on other purchases
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save up to 10% automatically on business expenses from FedEx, Hertz and more with OPEN Savings
No annual membership fee
Chase Ink Cash Business Card
Up to $250 cash back bonus – $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
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
Cash back rewards do not expire
0% Introductory APR for 6 months
No Annual Fee
Best Credit Cards for Youth
Zync from American Express
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest – that’s because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards points with every eligible purchase – redeem points for travel, shopping, and great entertainment rewards
Earn 10,000 Membership Rewards(R) points after first purchase
Best Credit Cards for College Students
Citi Forward® Card for College Students
5 ThankYou® Points for every $1 you spend at restaurants and on books, movies and music. 1 point per $1 on all other purchases.
Up to 2% APR reduction when using credit wisely
100 ThankYou Points each billing period that you pay on time and stay under your credit line.
1000 bonus ThankYou Points when you sign-up for paperless statements.
Citi mtvU Platinum Select Visa Card for College Students
0% APR on Purchases for 7 Months, If You Qualify, Based on Your Application and Credit History, after that, the APR will be 13.99% – 21.99%
Earn 5 ThankYou® Points for Every Dollar You Spend at Restaurants, Bookstores, Record Stores, Movie Theaters, and Video Rental Stores
Earn 1 ThankYou Point For Every Dollar You Spend on All Other Purchases
Earn 25 ThankYou Points Every Month When You Pay on Time and Don’t Go Over Your Credit Limit
Earn Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
Redeem Points for Gift Cards, Travel, Electronics, Music, and More
No Annual Fee
Best Secured Credit Cards
Platinum Zero Secured Visa Credit Card from Applied Bank
0% FIXED APR on Purchases – No Intro Rates!
0% Rate Won’t Change – Even If You’re Late!
ZERO Application Fees
ZERO Worries – FREE Personal ID Theft Protection
ZERO Delays – Timely CREDIT Bureau Reporting
New Millennium Bank Secured Platinus Card
Get Approved for Up To $10,000 in Secured Credit with No Credit Check
Free Companion Airfare
Membership in TheWorldsBestTravelClub.Com, which Offers Cardholders a $69 Cash Rebate on Their First Condo Booking
Guaranteed Issue
Credit Amount Equals the Deposit
Complimentary Online Services for Account Management and Payments
Be Approved Regardless of Income or Credit History
Reports to the 3 Major Credit Bureaus
Best Pre-Paid Debit Cards
Green Dot Prepaid MasterCard
FREE $0 Activation Online with NO Credit Check!
FREE Cash Withdrawals at over 15,000 Participating ATMs
FREE Online Bill Pay & Direct Deposit
NO Monthly Fee for Any Month with at Least 30 Purchases
NO Transaction Fees on US Purchases
NO Overdraft or Penalty Fees
NO Minimum Balance Required
GET $10 with Direct Deposit
Mango Prepaid Debit Card from Horizon Bank
FREE Prepaid MasterCard
$0 Activation Fee
FREE Direct Deposit
FREE Unlimited Purchase / Signature Transactions
FREE Account Management Online or With Your Mobile Phone
FREE to Check Your Balance With Your Mobile Phone
No Monthly Fee When You Load $500/Month
Send Money With Your Mobile Phone
Load Cash at Tens of Thousands of Retailers Nationwide
No Credit Check, No Bank Account Needed, No Overdraft Fees
Best Low Interest Rate Cards
IberiaBank Visa Classic Card
No Annual Membership Fee
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Online Access to Credit Card Account Information
Simmons First Visa Platinum Rewards Card
Low 9.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
Travel Rewards – cardholders who enroll in the program receive one point per net dollar spent
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
No Annual Fee
Original Post on www.thesunsfinancialdiary.com
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