The Best Credit Cards – 2015

Are you a responsible, financially-savvy consumer in need of a better credit card? You are in the right place.

Featured Offer

Citi Simplicity® MasterCard

Apply Now Button Wide

Citi Simplicity® MasterCard – There’s no better card on the market today to tout responsible credit card usage than the Citi Simplicity® MasterCard from our partner Citi.

This credit card offers the longest 0% intro APR for balance transfers and purchase (21 months) and NEVER charges you a late fee. Once the intro rate APR expires, the regular APR becomes 12.99%, 15.99%, 18.99%, 20.99%, and 22.99% variable based upon your credit worthiness.

In addition to having no late fees, there are also no over-limit fees should you charge a little extra than your credit limit. Also nice to see is that the City Simplicity® MasterCard has no annual fee, but the one fee this card does have is a 3% balance transfer fee. So, for example, if you decide to sign up and transfer a $10,000 balance from another credit card, you will have 21 months to pay off a total of $10,300 (interest free). Apply Now!

The Best Credit Cards by Category

On these pages you’ll find the best credit cards available today. Get started by choosing a card category below:

Credit Card Bonus OffersCredit Card Bonus Offers – Coming Soon! – In this section we highlight some of the best credit card bonus offers available today. If you’re going to sign up for a new credit card you should definitely take into consideration the upfront bonus opportunities.

Cash Back Credit CardsBest Cash Back Credit Cards – Show me the money! Consumers who choose these cash back reward cards only want one thing: top dollar cash back rewards in exchange for their spending.

Travel Rewards Credit CardsBest Travel Rewards Credit Cards – If you do a lot of traveling, or if airline miles are like gold to you, then check out these cards. You’ll be off on that free vacation in no time. A good travel rewards card will protect you too.

Airline Miles Credit CardsBest Airline Miles Credit Cards – If you fly a particular airline regularly (AA, Continental, Southwest, Delta, United), then there is likely a card for you here. With one of these cards, you can most likely qualify for a free round trip ticket fairly quickly.

Hotel Rewards Credit CardsBest Hotel Rewards Credit Cards – Coming Soon! – If you have a favorite hotel chain, having their branded credit card can make for a more exclusive experience on your next stay. The bonus points on these cards often mean free stays after initial sign up.

0 Balance Transfer Credit CardsBest 0% Balance Transfer Credit Cards – Are you on a debt reduction plan and need to free yourself from high-interest? 0% balance transfer cards can be a creative way to speed up your debt payoff plan. These days, transfer deals can be had for 18 months.

Credit Cards for College StudentsBest Credit Cards for College Students – Heading off to college soon? Want to start building your credit history? Consider one of these cards aimed at helping you manage your money wisely and reward you for your smart spending and grades.

Small Business Credit CardsBest Small Business Credit Cards – Small business owners who need a bit of flexibility in their cash flow, should consider a business credit card. Run your business expenses through this card and you will have a month longer to pay your bills.

Secured Credit CardsBest Secured Credit Cards – If you are just getting started with credit, or if you’ve had difficulty managing credit in the past, a secured card might be the best solution for you.

Credit Cards 101

Credit cards can play a big role in personal finance. Most smart people I know do one of two things with credit cards: either they don’t touch them at all, or they use them to their advantage. How can a credit card be a positive piece of your financial portfolio? First, find the right card. Then, make sure you handle it properly:

  • pay it off each month,
  • maximize your cash back and rewards,
  • and watch out for fees.

Over time you will rack up rewards and your credit history should improve. I recently did a Google hangout with Jason Hull of Hull Financial Planning, and Michael Pruser and Jason Steele, both contributors to PT Money. We covered all aspects of maximizing your efforts when it comes to cash back and reward credit cards, including our recommendations for the best credit cards available today. View the video below:

I know a lot of people don’t care for credit cards, including some of my readers, but I think they have their place. I see credit cards as simply another financial tool, like life insurance or a Roth IRA. They’re just an instrument to make things happen financially. It’s all in how you treat them. Don’t want to deal with credit cards? You should check out my section of charge cards.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

“The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.”