Credit cards, some people hate them and others swear by them. They can either help your credit or hurt your credit and come in handy during an emergency. If you are thinking about applying for your first credit card or a new credit card, you should make sure you are getting the best one possible. Here are the best credit cards of 2013.
Best Travel Rewards Cards
If you travel often and want to get the most out of your credit card rewards, choose a card that offers points that can be used towards air miles or hotel stays. A few of the best travel rewards cards of the year include the Barclaycard Arrival World MasterCard, the Capital One Venture Rewards Credit Card and the Blue Sky card from American Express. The more you use these cards, the more rewards and points you can earn and redeem towards travel savings.
Best Balance Transfer Cards
If you have a balance on one or more credit cards and would like to transfer it to a new card, it is important to choose the card that offers the best rate. A few of the best of the year include the Discover It card, which offers a 0% APR introductory period on balance transfers for 18 months, the Citi Simplicity Card, which offers no late fees or annual fees and the Slate card from Chase, which helps users consolidate their debt and pay it off faster.
Best Poor Credit Cards
If you have bad credit or no credit, choosing the right card can be difficult. Many cards offer high interest rates or high monthly fees that can make it harder to improve your credit or get it started off right. If you have poor credit, consider applying for the USAA Secured Credit Card, which offers a low interest rate or the DCU Visa Platinum Secured Credit Card, which requires no annual fee.
Whether you want to rebuild credit, get it started or just need another credit card, one of these best credit cards of 2013 are sure to help you with all of your credit needs.
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