The Best Credit Cards in 2013

Best Airline Credit Card

Delta_skymiles-goldThe Gold Delta SkyMiles Credit Card from American Express definitely takes the gold amongst airline credit cards. The annual fee of $95 is waived the first year, but is still worth paying annually to receive all of the perks this card offers. This card provides instant savings on in-flight purchases, as well as other perks such as priority boarding for you and your travel companions.


  • $95 annual fee
  • 15.24% to 19.24% variable APR
  • Earn 2 miles per $1 spent on Delta purchases.
  • Earn 1 mile per $1 spent on all other purchases.
  • Priority boarding for up to 9 people in your Delta reservation
  • First checked bag free for up to 9 people in your Delta reservation
  • 20% savings on in-flight food, beverages and entertainment

Best No Annual Fee Credit Card

Discover It 14 (1)Want to receive perks without having to pay an annual fee? The Discover it Card offers a variety of valuable perks, all without charging an annual feel. This card gives a lot of power to cardholders, and the amount of features are astonishing given that this card does not have an annual fee.


  • No annual fee
  • Free FICO® Credit Score online and on monthly statements
  • 0% intro APR on purchases & balance transfers for 14 months (10.99% to 22.99% variable APR after)
  • 5% cash back in select categories after you sign up
  • 1% cash back on all other purchases

Best Secured Credit Card

lg_first-progress-blueIf you are looking to open a secured credit card, you are most likely in the process of reestablishing your credit. That means a low interest rate is going to be extremely valuable.

The First Progress Platinum Prestige MasterCard Secured Credit Card offers the lowest APR amongst secured credit cards. The annual fee may be a little more than the average secured credit card, but it pays for itself since the card has a low interest rate.


  • 11.99% APR
  • 18.99% APR (for cash advances)
  • $44 annual fee

Best No Interest Credit Card

American-Express-Blue-Cash-Preferred-ReviewWant to open a credit card that won't collect interest for over a year?

The Blue Cash preferred card from American Express is the best card for this feature. By opening this card, you don't have to worry about interest collecting on your balance for the first 15 months. That can give you plenty of valuable time to transfer a balance and pay it down to avoid a buildup of interest.

The biggest plus to this card are the additional features that will stay with you long after the no interest period expires.


  • 0% APR on purchases and balance transfers the first 15 months (12.99% to 21.99%, after).
  • $75 annual fee
  • 6% cash back at U.S. supermarkets
  • 3% cash back at U.S. gas stations and select department stores

Best Travel Rewards Credit Card

barclaycard arrival plus world elite mastercard(Update 5/14/14: The card has been rebranded as the Barclaycard Arrival Plus World Elite MasterCard.)

You should maximize your earnings when you travel by opening a credit card that is going to allow you to rack up a lot of points.

The Barclaycard Arrival World MasterCard has earned its place as the best travel rewards credit card in 2013. This is because the card allows you to earn two miles on every dollar spent, and that includes all purchases.


  • $89 annual fee (waived first year)
  • Earn 2 miles per dollar spent, on all purchases.
  • 40,000 bonus miles (that's enough to redeem for a $400 travel statement credit) when $3,000 or more is spent within first 90 days of opening the card
  • No foreign transaction fees
  • 10% miles back when redeemed for travel

Best Cash Back Credit Card

Citi Dividend Platinum Select MasterCard(Update 3/27/14: The card details are up to date.)

Earn while you spend with the Citi Dividend Platinum Select Card. It pays to use this credit card, literally, which is why it tops our list as the best cash back credit card.

You can earn five percent cash back in must-have categories every quarter of the year, and one percent on all other purchases. The categories are geared towards helping you maximize cash back throughout the year, so you earn more back by using this card.


  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • No annual fee
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*

Best Student Credit Card

Blue_Discover_it_Card_Front_072012-1-e1367340226547Students deserve to establish their credit with a credit card of true value.

The Discover it student credit card is perfect for students that are interested in establishing their credit. It offers just about all of the same perks as the normal Discover it card, including cash back.


  • No annual fee
  • 5% cash back in select categories after you sign up
  • 1% cash back on all other purchases
  • 0% APR first 6 months (12.99% to 21.99% variable APR after)
  • Free FICO® Credit Score online and on monthly statements

Best Low Interest Credit Card

mc_BarclaycardRing_shadowA low-interest rate is always valuable when using a credit card. With an eight percent variable interest rate, the Barclaycard Ring MasterCard is hard to beat. No other credit card offers as low of an interest rate for no annual fee.


  • 8% variable APR
  • No annual fee
  • No balance transfer fee.
  • 1% statement credit back on balance transfers made within first 60 days of opening account.
  • New Giveback program rewards cardholders money back for good performance.