Top 2014 Credit Cards – Compare, Review and Apply Online
Searching for the top card offers for 2014 – We’ve got you covered. Over the next several weeks our team will be reviewing and analyzing all of the top card offers and promotions from the best companies to get you the top deals. Whether you are searching for a cash back credit card, rebate and rewards card, student card or balance transfer you can feel good that we will have identified the top card offers and opportunities. Our team will review all of the fine print, to analyze fees, interest rates, special promotions and cash incentives to identify the good from the bad and help consumers get the top card for their specific needs. With card offers changing daily, our network of finance experts will be closely following changes from the banking industry, credit unions and finance sector to make sure we provide you with the latest news and top promotions. Our mission is simple, find the top 2014 credit card offers and help you become a fan of our site to tell all of your friends and co-workers.
Updated April 2014 – Top 10 Credit Cards to Consider for 2014
1. Chase Freedom – This card made the top spot for a few key reasons. First and foremost it offers an awesome bonus opportunity of $200 if you spend just $500 during the first three months. Combined with a zero percent interest rate for purchases and balance transfers, select 5% cash back bonus opportunities throughout the year, 1% cash back on all other purchases (uncapped) and no annual fee and this card is clearly a top contender for many consumers.
2. Capital One Quick Silver – Another card offering a great incentive ($100 bonus) for borrowers who use the card for $500 worth of purchases during the first three months. What makes this card a sure winner is the 1.5% cash back bonus for every purchase. The card offers a zero percent interest rate on purchases and balance transfers for the first 12 months.
3. DiscoverIT – The IT card remains very popular with consumers who love the customer service and perks of being a Discover customer. Featuring a zero percent interest rate for 14 months, and one percent cash back this card will be a major contender for the top spot all year. Additionally Discover has rolled out a new promotion offering customers a free FICO score with every monthly statement.
4. Citi Simplicity – Another great card that is working to put the C back into customer service. Offering an outstanding 18 months of zero interest on balance transfers and purchases (clear into 2015), this is a great card for borrowers looking to lock in savings on a balance transfer. Additionally the Simplicity Card offers no fees for late payments and no annual fees.
5. Chase Slate – Chase offers one of the only balance transfer credit cards without a transfer fee at zero percent. The slate card gives an impressive 0% interest on purchases and balance transfers for 15 months. In addition to no annual fees and great customer service, this will challenge for the top balance transfer card in 2014.
6. American Express Blue Cash Proffered – This card is worth strong consideration for consumer seeking a credit card offering top rewards and perks. Offering cash back statements credits of 1% of all purchases, and promotional incentives to 6% for specialty items like supermarkets. The card also offers zero percent interest on purchases and balance transfers for the first 15 months. As an added bonus, new card holders get a complimentary 1 year subscription to Amazon Prime free of charge.
7. Capital One Venture Rewards A top contender for the best in travel/hotel rewards. The Venture card offers a full two miles on all purchases everyday. Additionally, borrowers who use the card for $2,000 worth of purchases during the first 90 days, get a bonus of 20,000 miles. Their are no limits on mileage rewards. The card does have an annual fee of $59, waived during the first year.
8. Bank America Cash Back – This cash back card offers 1% on all purchases, and a bonus of $100 for borrowers who accumulate $500 worth of purchases during the first 90 days. Featuring a zero percent interest rate on purchases and balance transfers, no annual fee and select opportunities to earn additional cash back bonuses from grocery stores and gas stations, the Bank of America cash back is a great card for borrowers in the cash rebate category.
9. Barclaycard Rewards Mastercard – Barclaycards are becoming favorites with millions of consumers for good reason. The rewards card offers 1 point on all purchases and 2 points on all gas, utility and grocery purchases. This card offers a zero percent interest rate for purchases and balance transfers for the first 12 months. As an added incentive, borrowers can earn an additional 10,000 bonus points if they accumulate $1000 in spending during the first 90 days and Barclaycard is also providing customers with a chance to receive their complimentary FICO score through their online account.
10. Citi Thank You Rewards – rounding out our top ten is an awesome rewards card, featured with perks and promotions for customers. You earn 1 point on all purchases, 2 points on all dining and entertainment. Borrowers who accumulate $4,500 of purchases during the first nine months can earn up to an additional 30,000 extra bonus points. The card features a zero percent interest rate on balance transfer and purchases for the first 7 months and has no annual fee.
The author for the top 10 cards rated for 2014 is Don Marks, you can connect with him on Google+ to share feedback and suggestions on this list and to recommend your favorite card for this year.
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2014 Top Cards From American Express, AMEX, Barclaycard, Bank of America, Capital One, Chase, Citigroup, Discover all reviewed online
Tips For Finding the Top Credit Card Offers for You in 2014
Getting the most out of your credit cards in 2014 will have a lot to do with your credit score. While people often think that the companies behind the cards are too stringent when it comes to classifying consumers, there’s actually a lot of logic behind it. If you learn to think like they do, improving your credit profile while maxing out on the benefits that credit cards provide can be accomplished.
When You’re Behind the Eight Ball
Having no credit, low credit or poor credit can be very discouraging. However, if you look at the situation as an opportunity rather than a restriction, you can move up on the credit ladder from your score of 549 or less incrementally.
In 2014, the top card for those with limited credit may very well be the Capital One Secured MasterCard. It will allow you to build on your history without an application or processing fee. You will need a security deposit, which will then expand your line of credit to as much as $3,000. As you prove your dependability, Capital One will loosen the reigns and allow for more financial freedom. A major benefit of the MasterCard is universal acceptance and recognition.
Sitting in the Middle
From the perspective of the credit card companies and reporting bureaus, a score between 550 and 639 is considered average. If these numbers look familiar, you are in pretty good standing and should have a lot of options available to you. Having a higher than average income with minimal debt can make up for the score, so find a good balance between incoming and outgoing cash. Working capital is always a good thing, particularly when taking on new financial responsibilities.
Your card for 2014 may have an annual fee attached, and a lower spending limit, but it should include some perks, such as those offered by the VISA Platinum. If qualified, you could earn 1% back for gas purchases with no cap on the earnings. Following six months of timely payments, your line of credit will increase. While the credit card companies may see you as a risk due to the “average” score on your report, they are not inflexible in their opinions, and will move forward with you as you demonstrate financial responsibility.
The Cream of the Crop in Credit Standings
An outstanding credit score exceeding 640 will earn you a host of rewards from the major credit card companies. If you have achieved this rank, you probably have credit card companies throwing offers at your feet every other day. Although it’s still wise to compare offers, you should get the lowest APR and fees by default, along with the most in benefits and bonuses.
One very appealing offer for consumers with higher credit scores in the coming months will come from the Discover It card. Interest is low and rewards are high, with a 0% introductory rate on all balance transfers carrying over into the first 18 months of use. This makes centralizing debt from other cards quick and painless. The first half of the year allows for a 0% APR introductory rate on anything you buy, followed by a rate between 12.99 and 21.99. Discover also entices the preferred customer with a generous cash back program in different categories and does not impose an annual fee or other transaction-based charges. For anyone who carries a significant monthly balance or is intending to transfer large sums, this card is ideal.
The card you choose in 2014 should coincide with your spending habits, and ultimately leave you in a better financial position than where you started. Use the card to improve your life in the present as it works in your future interests. The top credit cards can do that, no matter what your number may be.