Credit cards hold a permanent place in the wallets of many American consumers. Since every individual shopper has his or her own spending and financial habits, certain cards may be more appropriate for one person than the other.

Here is a list of the most noteworthy personal credit cards of the year.

Because interest rates and sign-up offers vary on a regular basis, specific rates and offers have been excluded when this list was compiled.

General Cash Back

(UPDATE: The Capital One Cash Rewards card is no longer available.) 

The Capital One Cash Rewards card is a new addition to Capital One’s fleet of credit cards. For a general-use card, the Capital One Cash Rewards card doles out cash back at a rate above the industry-average.

What’s so great about this card: an effective 1.5% cash back rate on every purchase, no annual fee

Bonus Cash Back

Chase Freedom® is a card that regularly has attractive cash bonus sign-up offers and introductory APR deals. Without those initial perks, Chase Freedom® remains a great card that give 5% cash back for common categories (that change every quarter) such as gas stations, grocery stores, and restaurants.

What’s so great about this card: 5% cash back on popular categories that change every quarter and no annual fee


The Chase Sapphire Preferred card looks like a precious blue gem that emulates the presence of wealth. At the price of a $95 annual fee, the card has terrific rewards in addition to plenty of travel perks – ideal for the frequent traveler.

What’s so great about this card: generous rewards structure, points can be transferred to participating frequent traveler programs and dedicated customer service


The Rewards Visa Card is the only card that consistently hands out 3 points per $1 spent at the largest online retailer which sells every thing from e-books to groceries to electronics.

What’s so great about this card: earn 3 points per dollar spent at, no annual fee

Household Shopping

The Blue Cash Preferred Card from American Express busted the socks off cash back credit card enthusiasts with a whopping 6% cash back at supermarkets and 3% at gas stations and department stores. For the household shopper, the stellar cash back rates make up for the $95 annual fee.

What’s so great about this card: amazing cash back for common household categories

Low Interest

The Discover More Card is slightly inferior to comparable cash back credit cards but one attractive trait of the card is its low interest rates – which makes Discover More a less-costly card when carrying a balance and a rewarding card when not.

What’s so great about this card: proven track record of low APRs, a solid cash back program, no annual fee


Compared to its non-student version, the student version of the popular Citi Forward card only has less attractive introductory offers. The Citi Forward card offers 5 points per dollar spent for dining, books, music, and movies and good repayment/spending behavior is rewarded with purchase APR reduction and points.

What’s so great about this card: earns points at popular college student destinations, encourages repayment behavior, no annual fee


The Citi® Secured MasterCard® is most appropriate for consumers with bad credit histories but are set on a path to rebuild their creditworthiness. With $200 to $5,000 in a CD as collateral, the card may be promoted to an unsecured card with 18 months of good behavior.

What’s so great about this card: low $29 annual fee, reports to major credit bureaus and the option to upgrade to an unsecured Citi card

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  • Anonymous

    You guys (still) seriously need an editor.