2012 has brought many unexpected events so far. From the good-turned-bad Facebook IPO to the controversial CIA and now DEA internal problems involving prostitutes and credit cards to the unpredictable economy, this is sure to be a year none will forget – and we’re not even halfway through!
One thing has remained consistent: folks know a great credit card offer when they see it. So, we thought this would be a great time to showcase some of the top credit card picks consumers are choosing in 2012. Take a look – you might find an offer you didn’t know was available.
Capital One Cash Rewards
Everyone likes cash back bonuses and this Capital One rewards card holders with a $100 bonus after spending just $500 in the first 3 months. You’ll also earn a 50% bonus on the cash back you earn every year and a satisfying 1% cash back on all purchases. There’s no annual fee and your cash rewards never expire.
Capital One is known for its wide range of products that are designed for nearly every consumer. With a remarkable customer service team, straightforward rewards programs and for this particular offer, a very streamlined process – you’re sure to find satisfaction with this choice. You also have the option of choosing how your rewards are presented – a traditional check, account credit or gift cards. They’re all popular and with this Capital One card, they’re all within reach. Finally, you’ll enjoy all the security today’s contemporary credit card offers should provide consumers.
Also, and while this isn’t a determining factor for any credit card offer, it does offer the option of personalizing your credit card with your favorite photo.
Chase Ink Bold with Ultimate Rewards
The Ink Bold with Ultimate Rewards offers consumers a whopping 50,000 bonus points. Made for business owners, it’s a flexible offer that grows right along with your business. Easily adjust payments and even your credit limit with this carefully crafted choice. There are tools and advisers standing by to help you grow your business, as well.
The $95 annual fee is waived the first year and the opportunities for cash back are plentiful, too. Spend $50,000 in a single calendar year and you’ll earn 7,500 bonus points. Earn 25,000 bonus points by making your first purchase and then another 25,000 after you spend $10,000 in 3 months – that’s $500 in rewards of your choice. It also equates to $625 towards airfare when you redeem online through our Ultimate Rewards booking tool. Points never expire, request additional cards for employees at no additional cost, no foreign transaction fees and no interest charges because it’s a traditional charge card. All in all, it’s a fine choice one of the best so far in 2012.
Blue Cash Everyday AMEX
2012 has been a great year for American Express. From its gold cards to the Blue Cash offer, American Express has once again proved why it’s the first choice for many consumers. This American Express offers a no annual fee card with the flexibility to split your payments over time (perfect for many consumers). Also, there are cash back offers, including up to 3% cash back at supermarkets.
It also offers a $25 referral bonus any time you refer a friend or family member and they are approved for their own Blue Cash Everyday AMEX. It’s a straightforward credit card offer that manages to keep the complications away without stripping card holders of those benefits they’re most likely to actually use.
Discover Student Open Road
We know – it’s heading into those glorious summer months and most parents aren’t even thinking about saying goodbye to their college bound kids, but it’s never too early to start planning and this particular Discover credit card is right up any parent’s alley. It offers it all. This Discover offer was designed with today’s contemporary family in mind. It’s a low APR credit card that has no annual fee, though no shortage of benefits.
It’s a win-win for both parents and students. The absence of so many fees along with the cash back rewards program makes it a strong financial consideration. Not only are you kicking your new year off properly, but you’re also building the foundation for strong financial decisions for your young adults. You’ll appreciate the zero fraud liability that Discover is so well known for. No expiration dates for rewards points and balance transfer is allowed with this credit card.
Of course, this isn’t an all-inclusive list – there are many wonderful credit card choices for today’s contemporary consumer. The trick is finding the one that’s best for you and while we always stand by our reviews, we know too that every credit card offer isn’t right for every consumer. Carefully review the rewards programs to be sure it’s something you’d incorporate into your finances and most importantly, be sure to carefully review the terms and conditions associated with any credit card offer.