The New Year is fast approaching, and so are those new credit card offers. 2012 will be a year like many others, where credit card companies clamor for your attention through needless promotional offers and direct mail attempts. No one wants to sit through those hundreds of offers and choose the best credit card, so we’ve done it for you.
If you choose one these credit cards you will be taking advantage of some of the best deals on the new market next year. These cards offer great rewards, low fees and interest rates. While we can’t understand every consumer’s personal financial situation, those who pay their balance in full every month should look for a rewards card so they can reap the benefits of the payment management. Those who keep a balance every billing period should research low interest rate credit cards and how they can help keep their debt manageable. All consumers should stay away from cards with annual fees, unless they desire to spend a considerable amount of money.
Based on our research here are the best credit card deals we’ve found for 2012.
Chase Freedom Visa
- This card is good for those who pay off their full balance every month. Good news, when you sign up for this credit card you become eligible for a $200 cash-back bonus after you spend $500 on your card within the first three months. Each quarter the 5% cash-back categories change and can include categories such as retail centers, supermarkets, drug stores, gas stations, etc. There is also 1% cash-back on all other purchases made.
Blue Cash Everyday® Card from American Express – This is a great card if you’re looking for benefits and rewards. This American Express card earns $100 cash-back when you spend a minimum of $1,000 within the first three months.
– If you carry a balance then this card is for you. Upon signing up, consumers will receive zero percent APR on all purchases made in the first 18 months of having the card, in addition to zero percent balance transfers. Also, consumers can get $200 worth of credit after purchasing $500 worth in online purchases within the first three months of having the card.
Equipped with these credit cards and some good financial savvy, 2012 could be a good year for you and your credit cards.