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Top 25 Best Credit Card Offers

CardWisdom's top 25 credit card offers provide consumers with everything from $100 cash back bonuses to free flights to 0% interest rates that last 18 months. Drawing on our Editor's eight years of experience in the credit card industry, this comprehensive ranking of the best credit card offers online is designed to help our visitors select credit cards that will help them save money on interest or earn money from the best credit card reward programs.

Once you've found the right card, simply click apply online and you will be directed to the secure, SSL encrypted servers of the issuing bank where you can complete your application.

Citi® Diamond Preferred® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
Exciting deals and savings for great brands through Citi Specials
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*

Capital One® VentureOne(SM) Rewards Credit Card

1.25 miles per dollar on every purchase, every day and no annual fee
One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles don't expire
Fly on any airline, any time with no blackout dates
0% intro APR on purchases until June 2013
No foreign transaction fees

Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0% for 18 months*	0% for 18 months*	11.99% - 21.99%* (Variable)

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Credit Card Offer Details
Purchase Intro APR	Balance Transfer Intro APR	Regular APR
0% until June 2013*	N/A	11.9% - 19.9% (V)

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Citi ThankYou(SM) Preferred Rewards Card - $250 in Gift Cards

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$250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening
Earn 1 point for every $1 you spend on all purchases
Receive an anniversary bonus every year you're a cardmember
No expiration and no limit on the points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	12.99%-22.99%* (Variable)	None	Good

Capital One® Cash Rewards - Excellent Credit

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$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until June 2013.

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% until June 2013*	0%* until June 2013*	12.9% - 20.9% (V)*	$0	Excellent Credit*

Capital One® Venture(SM) Rewards Credit Card

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2 miles per dollar on every purchase, every day

Money® Magazine's "Most Rewarding Card if you crave free airline flights" - Money Magazine, May 2011

Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel

Redeem your miles for any travel expense

No limit on the miles you can earn and miles don't expire

Fly on any airline, any time with no blackout dates

No foreign transaction fees

$0 intro annual fee for the first year; $59 after that

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	13.9% - 20.9% (V)	$0 intro for first year; $59 after that	Excellent

Citi® Dividend Platinum Select® Visa® Card

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$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
Each quarter, you can enroll to earn additional cash back in popular categories.
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months*	0% for 12 months*	12.99% - 22.99%* (Variable)	None	Good

Chase Sapphire Preferred (SM) Card

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Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!

2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.

Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate RewardsSM

No foreign transaction fees

Receive a 7% annual dividend on all new points earned - even on points already redeemed

1:1 point transfer to participating frequent travel programs

Direct access to expert service advisors anytime

No Annual Fee for your first year - A $95 value

Apply Now!

Credit Card Offer Details

Purchase Intro APR	Balance Transfer Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	15.24% Variable*	$95, Waived First Year	Excellent

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Choosing The Best Credit Card Offer

Because every credit card user is different, there really is no single best credit card offer. The key thing to consider when seeking out a new credit card is the way you use credit. For example, people who carry balances from month to month and have existing balances on their credit cards should look for a credit card that offers a 0% APR on balance transfers and purchases, followed by a low long term rate. This type of credit card will help reduce interest expenses and (hopefully) speed up the process of getting out of debt.

Those who rarely carry balances should be looking for ways to capitalize on their spending via rewards credit cards. Consumers who spend heavily on their cards have the luxury of considering rewards cards with annual fees. However, those who don't charge more than a few hundred dollars a month are likely better offer sticking with a no annual fee rewards card. Cash back credit cards are often a good choice here as are similar no fee cards that offer sign up bonuses.

Ultimately, finding the best credit card is about finding a card that will either save you the most money on interest or help you earn money via rewards.

More on Choosing the Best Credit Card Offers

Finding the Best Credit Card Application: In my opinion, the best credit card offer is more about how you use your credit cards than anything else. Yes, choosing a good credit card company is important, but selecting a card that offers the right mix of benefits is the key to choosing a credit card wisely.

*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.