Best Credit Cards 2012

These cards have excellent features such as low interest rates, 0% APR, cash back, no annual fees, instant approval and more. They are issued to individuals with excellent credit score.

American Express® Premier Rewards Gold Card


  • Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of Card membership
  • Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, sporting events, and more.
  • Introductory annual fee of $0 for the first year, then $175
  • Get a decision in as little as 60 seconds.

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* N/A* $0.00 1st year, then $175.00* No
    Blue Cash EverydaySM from American Express


  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    0.00%* 12 months on purchases* 17.24-22.24% (Variable)* $0.00* Yes
    Delta Airlines - Gold Delta SkyMiles® Credit Card


  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
  • $0 intro annual fee for the first year, then $95
  • Check your first bag Free - for up to 9 people on your reservation - on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 15.24-19.24% (Variable)* $0.00 1st year, then $95.00* Yes
    Gold Delta SkyMiles® Business Credit Card from American Express OPEN


  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free - for up to 8 people on your reservation - on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 14.50% (Variable)* $0.00 1st year, then $95.00* No
    TrueEarnings® Card from Costco and American Express


  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    0.00%* 6 months on purchases* 15.24% (Variable)* $0.00* Yes
    Chase Freedom® MasterCard - $200 Bonus Cash Back


  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 15.99-22.99% (Variable)* $0.00* Yes
    Chase Sapphire PreferredSM Card


  • Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
  • No foreign transaction fees
  • Earn a 7% annual points dividend - even on points already redeemed
  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value
  • 24/7 direct access to expert service advisors (No voice recording)
  • No Annual Fee for your first year - A $95 value

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 15.24% (Fixed)* $0.00 1st year, then $95.00* No
    Chase SapphireSM Card


  • Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
  • 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to expert service advisors (No voice recording)
  • No annual fee!

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 15.24% (Fixed)* $0.00* No
    Continental Airlines OnePass® Plus Card


  • Earn up to 40,000 bonus miles & first year free ($95 value)*
  • Now with priority boarding privileges on Continental and United flights
  • Check your first bag for free on Continental and United flights, up to a $50 value
  • Visit the United Club with two complimentary passes every year, a $100 value
  • Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
  • Your miles don't expire and there is no limit to the number of miles you can earn

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 14.24% (Fixed)* $0.00 1st year, then $95.00* Yes
    Ink BoldSM with Ultimate Rewards


  • 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • No limit to the number of points you can earn - and points never expire
  • 5X points per dollar on the first $50,000 spent annually on eligible business purchases
  • No foreign transaction fees and Free Employee Cards
  • No interest or over limit fees
  • No Annual Fee in the first year - that's a $95 savings

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* N/A* $0.00 1st year, then $95.00* No
    Discover® Open Road Card


  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    0.00%* 15 months on purchases* 10.99-19.99% (Variable)* $0.00* Yes
    Discover® Open RoadSM Card for Students


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • Double Cashback Bonus®* at gas stations and restaurants
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    0.00%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* No
    PenFed VISA Platinum Gas/Cash Rewards Card


  • 13.99% APR - Lower than most rewards cards
  • Earn 5.00% cash back from gas purchases paid at the pump*
  • Earn 1.00% cash back from all purchases** you make with the card during each billing cycle
  • Up to $50,000 limit
  • No Annual Fee
  • Cash Rewards credited each month
  • No special restrictions to earn your cash rewards
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join.

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 13.99% (Fixed)* $0.00* Yes
    Vision Premier® Visa® Prepaid Card - Simple & Fair


  • New - Free Roadside Assistance
  • New - Free Savings Account with 5.65% APY
  • 1% Cash Back on Gas Purchases
  • Free Direct Deposit so you can get paid faster
  • Free Bill Pay online or over the phone
  • Free Transactions and Customer Service
  • No Overdraft Fees, No Interest Fees, and No Hidden Fees
  • No Credit Check - 100% Approval

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* N/A* $0.00* No
    READYdebit Platinum Visa Prepaid Card


  • Get Your Premium Benefits:
  • Exclusive Rewards Program
  • Free Credit Score
  • Free Mobile Banking and Text Alerts
  • Free Online Bill Payment & Check Writing
  • Free Direct Deposit — paycheck, benefits, tax refunds
  • No Credit Check*, No Overdraft Fees or Balance Minimums
  • Reloadable up to $10,000 Max Balance

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* N/A* $0.00* No
    Simmons First Visa Platinum


  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 7.25% (Variable)* $0.00* Yes
    Simmons First Visa® Platinum Rewards


  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

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    Intro APR Intro Period Regular APR Annual Fee Balance Transfer
    N/A* N/A* 9.25% (Variable)* $0.00* Yes
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