Top 10 best Credit Cards

When you're looking to get a credit card, you want to make sure you get the best of everything. No hidden fees, a great interest rate, great rewards, and great service. All of the card issuers know this and a plethora of very attractive credit cards are available. Here is the list of top 10 best credit cards:-

Number 10

Citi CITGO MasterCardCiti CITGO MasterCard - Credit: CITGO.com

Gas prices are through the roof and the more you can save on gas, the better. The Citi CITGO MasterCard makes this easy. You can save up to 10% on all CITGO purchases, including gas, when you use the card. After the introductory period lapses, you still earn a hearty 5% rebate on all CITGO purchases. You earn 1% to 2% on all other purchases. There is a limit of $50 per month of rebates, but getting these rebates is so easy. The rebate amount automatically shows up as a credit on your bill the following month. There is no redemption process and no minimums to get the credit. This makes it easy to get your reward and even easier to feel a little better when you are fueling up at a CITGO.

Number 9

Elite Rewards World MasterCardElite Rewards World MasterCard - Credit: BankofAmerica.com

You will feel as if you're part of the elite with the Elite Rewards World MasterCard.  You earn double rewards points for purchases from a wide array of participating merchants, plus 800 bonus points after your first purchase. That gets you on the fast track to redeem rewards, gift certificates and merchandise. There is no annual fee and 0% APR for the first 12 months on all balance transfers. Travel rewards are also hassle-free -- you can fly on almost any major US airline with no blackout dates and get discounts from Avis Rental Cars and others when you use the Elite Rewards MasterCard.

Number 8

Capital One Platinum PrestigeCapital One Platinum Prestige - Credit: CapitalOne.com

If you have excellent credit, you can count on the Capital One Platinum Prestige to keep your rates low. There is a fixed 7.9% APR on all purchases and balance transfers. No teaser rates and no confusion -- just a low interest rate. More importantly, Capital One won’t put you to the penalty rate just because you go over your limit or accidentally miss a payment. No annual fee, no balance transfer fee and no complex rewards point system makes this a choice for those that do not want any distractions when it comes to using one of the best credit cards.

Number 7

Bank of America World PointsBank of America World Points - Credit: BankofAmerica.com

The World Points credit card from Bank of America offers a strong rewards program and is not just for those with excellent credit scores. You earn one point for each dollar you spend, and you can exchange those points for travel, merchandise, gift certificates, and even cash. There is a 0% interest rate for the first 12 months on all cash advance checks and balance transfers. Bank of America even offers a $50 bonus credited directly to your statement after enough qualifying transactions.

Number 6

Capital One No Hassle RewardsCapital One No Hassle Rewards - Credit: CapitalOne.com

The Capital One No Hassle Rewards Card is more than just no hassle. You are familiar with the commercials where the miles you acquire through Capital One are not subject to any blackout dates or restrictions. That’s right, you can redeem your miles for any flight on any date and your miles never expire. There is a satisfactory 13.9% interest rate, but you do earn 1.25 miles for each dollar spent rather than 1.0 like most miles cards. When you are earning miles 25% faster than most people, and there is no limit on the number of miles you can get, the Capital One No Hassle Rewards Card makes for an excellent credit card choice.

Number 5

Commerce Bank (NJ) VisaCommerce Bank Visa - Credit: CommerceBankOnline.com

If you're not form New Jersey, you probably haven't heard of Commerce Bank. However, if you are a sophisticated credit card user, you need to be introduced to this credit card. There are no real gimmicks or cash back bonuses as many of the best credit cards focus on. This is a solid, all-around card with no annual fee and interest rates ranging from 2.99% to 8.99%. There are absolutely no fees for transferring balances, cash advances, paying late or going over the limit. Try to find another credit card that can match that. You earn three Visa Extras Reward Points for each dollar you spend with the Commerce Bank Visa. The card also includes an array of other free features and services for which other cards will usually charge. For instance, there is no additional cost for 100% liability protection from unauthorized transactions, travel and emergency roadside assistance, worldwide travel accident and baggage delay insurance, and warranty management.

Number 4

Discover MoreDiscover More card - Credit: DiscoverCard.com

Discover has always advocated cash back as its motto and the Discover More card is that message on steroids. With this card, you can earn up to 5% cash back on qualified travel, gas, restaurant, and entertainment expenses. If you shop online through their shopping site, bonuses can range up to 20% cash back. A basic 1% cash back applies to most other purchases. There is no annual fee and 0% APR for a full year on all balance transfers and purchases. If there are any drawbacks to mention it would have to be that some smaller businesses do not accept Discover, and there are some restrictions on your cash-back bonuses.

Number 3

Citi CashReturnsCiti CashReturns card - Credit: CitiCards.com

When you want savings and cash back, the Citi CashReturns card is a very attractive option: You earn a 1% cash back bonus on every single purchase you make, with restrictions or limits. For the first 12 months, you also get a 20% bonus on your cash back rewards and 0% APR on any balance transfers. There is no annual fee and redeeming the rewards is very simple -- actually, effortless. Each time you earn $50 in cash-back bonus, a check is automatically sent to you. There is no redemption process or calling customer service to get the rewards this card promises you upfront.

Number 2

American Express BlueAmerican Express Blue - Credit: AmericanExpress.com

American Express has long been known for its commitment to excellence and customer service. The Blue card is no exception. For new applicants, there is no annual fee and a 0% APR for up to 15 months. Balance transfers get a very reasonable 4.99% interest rate for the life of the balance. Additionally, American Express does not play games with how payments are applied to maximize interest for them. Apart from having a good looking card, being a Blue card holder gives you access to their reputable Rewards Express program where you can earn points toward gift cards, entertainment and many other gifts and items -- all with no hassle. If you opt for the Blue Cash program, you receive cash deposited directly to a high-yield savings account.

Number 1

Chase FreedomChase Freedom - Credit: ChaseFreedomNow.com

Credit cards offer everything from reward points, frequent flyer miles, cash back, gas rebates, and even gift cards. The Chase Freedom Credit Card makes your choice easy by not making you choose just one -- you really can have everything with this card. It doesn't matter what you do Chase reviews your bill each month and then automatically puts you in the program that will give you the biggest savings. For the places you shop the most each month, you can get triple reward points or 3% cash back -- everything else gets you one point or 1% cash back. There is a 14.99% interest rate and some limits on the amount of rebates you can get back, but no annual fee and it is fairly easy to redeem your rewards. There may be better cards, but across the board, you no longer have to worry about if you are using the right credit card to get maximum savings. Chase customer service and online account tools are also outstanding.

A credit card is one of your most powerful financial management tool and offers tremendous convenience. The best credit cards will offer you money-saving low interest rates and money-making incentives, such as cash-back rebates and reward points, to make it worthwhile for use.