Once upon a time credit card issuers did not charge a balance transfer fee. If you’re like me then you probably just expect to be hit with a fee anywhere from 3% to 5% of the amount you transfer. Nobody really wants to pay a transfer fee, but with increasing bank fees this fee is no surprise. What is a surprise is that we are now starting to see cards that are bringing back the No Transfer Fee option.

The Discover® More® Card - No Balance Transfer Fee* is a popular rewards card that has a limited time No Balance Transfer Fee offer on the table. Discover is only making this offer available until February 28, 2012 and you must transfer balances by July 10, 2012. After this date the transfer fee will be 5%. The card still has other great features and we have all the details below.

Limited Time Offer - $0 Balance Transfer Fee!* 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online 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

0% Introductory Offer

The card offers an introductory rate of 0% for 12 months on Balance Transfers and Purchases*. After the introductory rate, the APR you receive is 10.99% - 19.99% (Variable)*, based on your creditworthiness.

Rewards Program

The Discover® More® Card features the Cashback bonus program. This is Discover’s popular rewards program that earns you Cashback bonuses on every purchase you make. You can earn 5% Cashback bonus on shopping categories as well as 5% Cashback bonus on seasonal spending categories that change each yearly quarter. You enroll in each spending category as the calendar date arrives, giving you even more chances to accrue Cashback bonuses every quarter. You can earn up to 1% Cashback bonus on all other purchases – Your Discover® More Card earns you .25% Cashback bonus on every purchase up to 3,000 dollars yearly.

Additional Discover® More® Card Details

This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:

• Fraud Protection and Account Security: You can expect $0 Fraud Liability guarantee means you’re never responsible for unauthorized charges, advanced early warnings if we suspect unusual activity on your account, dedicated Fraud Specialists who are available to you 24/7 and secure online account numbers that let you shop online without ever revealing your account number.
• Merchandise Protection on Your Purchases: Up to $500 of Purchase Protection against loss, damage or fire for 90 days and up to 1 year of Extended Product Warranty coverage.
• Travel Protection—At No Cost to You: Get $1,000,000 Travel Accident Insurance when you travel on a common carrier, up to $50,000 in Car Rental Insurance when you decline coverage offered by the rental agency and additional exclusive benefits that keep you protected while you travel.
• Account Management and Customer Service: Dedicated Business Card Specialists who will answer your call within 60 seconds to address your needs from the initial point of contact—no need to repeat yourself, intuitive, secure online account center where you can review charges, pay bills and redeem rewards and account statements you can download right into QuickBooks® for immediate financial analysis
• Unlimited Rewards: You can always earn extra rewards by making online purchases through our exclusive online shopping site, ShopDiscover.

How to Apply for the Discover® More® Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Discover® More Card website. From this page, you can get started with the secure online application. The application takes just a few minutes to complete, and they will notify you about the outcome of your application.

To get started, visit the Discover® More® Card - No Balance Transfer Fee* official website.

The New Year has brought with it some extremely rewarding credit card offers. Whether you are looking for cash back rewards, 0% APR balance transfer offers, a credit card for your small business, or points redeemable for travel or shopping, there is a credit card offer to meet your needs.

Listed below are the Best Credit Cards for 2012 as selected by the editors of Credit Card Offers IQ.

Best Cash Back Cards

The Chase Freedom^® Visa - $200 Bonus Cash Back is one of our favorite cash back offers because get $200 cash back when you spend $500 within the first 3 months. You also get 5% cash back for every dollar you spend in rotating categories and 1% cash back on all your other purchases. The rate you receive will be between 15.99%-22.99%*(Variable), based on your creditworthiness.

See our Chase Freedom® Visa – $200 Bonus Cash Back review for more card details.

With the Blue Cash Everyday(SM) from American Express there are no spending limits, no rotating categories and you don’t need to enroll to earn. The rewards program is as follows: 3% cash back per dollar spent at supermarkets, 2% cash back per dollar spent at department stores and gas stations, and 1% cash back on all other purchases. The card offers an introductory rate of 0% for 12 on purchases and a regular APR between 17.24%-22.24% Variable, based on your creditworthiness.

See our Blue Cash Everyday(SM) from American Express review for more card details.

The Discover® More® Card is a rewards card that offers cash back on all your purchases. You can earn up to 5% cash back in rotating categories and 1% Cashback bonus on all other purchases. The card offers an introductory rate of 0% for 15 months on purchases & balance transfers*. After the introductory rate, the APR you receive is 10.99% - 20.99% (Variable)*, based on your creditworthiness. Best of all this card has no annual fee!

See our full review of the Discover® More® Card for more details.

Best Balance Transfer Cards

The Slate® from Chase one of two cards currently offering No Balance Transfer Fee. This is a limited time offer and you are required to make your balance transfer within the first 30 days to avoid the fee. The card offers 0% for up to 12 months on balance transfers. After the introductory rate, the APR you receive is 11.99%-21.99%*(Variable), based on your creditworthiness.

For more details, see our Slate® from Chase review.

The Citi® Platinum Select® MasterCard® is a great choice for a balance transfer card because it offers 0% for a full 21 months. This is one of the longest offers available. What makes this card even better is that it also gives 0% on purchases for 21 months. After the introductory period, regular APR is between 11.99%-21.99%* (Variable), based on your creditworthiness.

For more details, check out our Citi® Platinum Select® MasterCard® review.

Capital One® Platinum Prestige Credit Card

The best feature of the Capital One® Platinum Prestige Credit Card is the 0% introductory rate on both purchases and balance transfers until until May 2013*. If you plan on carrying balance or want to transfer balances from other cards with high interest rates this is a solid card. After the 0% introductory period, the APR for both purchases and balance transfers is a low go-to APR of 10.9% - 18.9% (V)*.

See our Capital One® Platinum Prestige Credit Card review for more details.

Best Travel Cards

The Southwest Airlines Rapid Rewards® Plus Card makes our list as one of the best cards for 2012 because of the great bonus offer it gives to new cardmembers. To start, you will earn a free flight after your first purchase. With this card you earn double points for your Southwest Airline purchase and you will receive bonus points on your anniversary. This card is offering a limited time balance transfer option with allows you to earn 1 point per every $1 you transfer to the card.

For more details, check out our Southwest Airlines Rapid Rewards® Plus Card review.

The Starwood Preferred Guest® Credit Card from American Express is arguably one the best travel rewards card available. The best perk about this card is that your rewards can be cashed in for a variety of travel rewards, including a network of hotels as well as airlines. for most of your purchases you will earn 2 points for every dollar you spend, but you can earn up to 7 Starpoints per dollar.

For more details, check out our Starwood Preferred Guest® Credit Card from American Express review.

The Capital One® Venture^SM Rewards Credit Card is ideal for those individuals with excellent credit looking for a travel rewards credit card. This card offers one of the best rewards programs available allowing cardholders to earn 2 miles per dollar on every purchase. As a bonus you get 10,000 bonus miles after $1,000 is spent during the first 3 months. There is no limit on the miles you can earn and they will never expire. Even with the great rewards program, this card has no annual fee for the first year and a regular APR of 11.9% - 19.9% (V)*, making it a great choice for a travel rewards card.

For more details, check out our Capital One® VentureSM Rewards Credit Card review.

Cash Back Credit Cards are my favorite type of rewards card because it’s like free money! Card issuers are paying you a percentage of what you charge to the account just so you will use their card. These cards can save you money and that’s why I think they are the best type of rewards card. Many credit card issuers have beefed up their cash back programs by offering juicy sign up bonuses. You can earn a couple hundred bucks just by choosing the right card!

The best cash back credit card deals will save you money! It sounds simple enough and it is simple, if you know what to look for in a cash back card. You want to choose a card that is going to allow you to get the full amount of cash back the card has to offer. Your goal should be to earn as much as possible with any given card. Because some cards pay higher rewards for certain types of purchases (e.g., gas or groceries), be sure the card you choose rewards you for the types of purchases you plan on making.

To get you started we have provided you with a list of the Best Cash Back Cards of 2011.

EDITOR’S CHOICE – Chase Freedom® Visa – $200 Bonus Cash Back Offer

The Chase Freedom® Visa – $200 Bonus Cash Back Offer is our favorite cash back offer because you can earn $200 cash back just for spending $500 within the first 3 months. This card gives you the opportunity to earn up to 10% cash back when you shop at the Chase online mall. You will also earn 5% cash back for every dollar you spend in rotating categories and 1% cash back on all your other purchases. The rate you receive will be between 15.99%-22.99%*(Variable), based on your creditworthiness.

See our Chase Freedom® Visa – $200 Bonus Cash Back review for more card details.

Blue Cash Everyday(SM) from American Express

The Blue Cash Everyday(SM) from American Express offers exclusive rewards for those with excellent credit. There are no spending limits, no rotating categories and you don’t need to enroll to participate. The rewards you earn are simple and straightforward: 3% cash back per dollar spent at supermarkets, 2% cash back per dollar spent at department stores and gas stations, and 1% cash back on all other purchases. The card offers an introductory rate of 0% for 12 on purchases and a regular APR between 17.24%-22.24% Variable, based on your creditworthiness.

See our Blue Cash Everyday(SM) from American Express review for more card details.

Discover® More® Card

The Discover® More® Card is a rewards card that offers cash back on all your purchases. You can earn up to 5% cash back in rotating categories. You can earn 5% Cashback bonus on shopping categories as well as 5% Cashback bonus on seasonal spending categories that change each yearly quarter. You can earn up to 1% Cashback bonus on all other purchases. You must enroll in each spending category to be eligible. The card offers an introductory rate of 0% for 15 months on purchases & balance transfers*. After the introductory rate, the APR you receive is 10.99% - 20.99% (Variable)*, based on your creditworthiness. Best of all this card has no annual fee.

See our full review of the Discover® More® Card for more details.

Citi® Dividend World MasterCard®

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back gives $100 cash back after spending $500 within the first 3 months. You can earn 1% cash back on all purchases and 5% cash back on rotating categories. There are no tiers or minimum spending amounts in order to earn the 1% cash back. The Citi® Dividend World MasterCard® comes with 0% introductory APR on balance transfers for 15 months and 0% introductory APR on purchases for 15 months. After the introductory rate, the APR will be between 12.99%-22.99%* (Variable) and is based on your creditworthiness.

See our Citi® Dividend World MasterCard® review for more card details.

Capital One® No Hassle Cash(SM) Rewards Credit Card

The Capital One® No Hassle Cash^SM Rewards Credit Card makes our list because it is available for those with good to average credit. At one time you had to have excellent credit to be eligible for this type of rewards card. This card is a good choice for those who tend to spend a lot on gas a groceries because with this card, you can earn 2% cash back on gas and groceries as well as 1% cash back on all other purchases. There is no limit on the amount you can earn and rewards never expire. Cardholders can redeem cash rewards any time for any amount and can even set up automatic redemption. This great rewards program comes with a low annual fee of $39 and the card also has a 0% introductory APR on purchases, as well as a go-to rate of 17.9% - 22.9% (V)*.

See our Capital One® No Hassle Cash(SM) Rewards Credit Card review for more details.

PenFed VISA Platinum Gas / Cash Rewards Card

The PenFed VISA Platinum Gas / Cash Rewards Card is on of our top picks because it gives 5% cash back on gas purchases, 2% back on grocery store purchases and 1% on all other purchases. That’s a nice rewards package! There are no restrictions on the cash you earn and you get rewarded for what you have earned each month. There is a low balance transfer introductory rate of 2.99% for the first 12 months and the balance transfer fee is 3%. There is no annual fee and this card does not charge a foreign transaction fee when making purchases overseas. To qualify for this card you must have excellent credit and be a member of the Pentagon Federal Credit Union.

See our PenFed VISA Platinum Gas / Cash Rewards Card review for more details.

Chase Freedom® Visa – $100 Bonus Cash Back

The Chase Freedom® Visa – $100 Bonus Cash Back card combines a solid rewards program with a 0% introductory offer. You can’t go wrong with any of the Chase Freedom® Visa cards because you earn 5% cash back offers in popular categories like gas, home improvement and department stores. On top of that, earn a full 1% cash back on everything else – no spending tiers or caps on how much you can earn. As a bonus, you will earn $100 cash back after you make $500 in purchases within the first 3 months. The card offers a 0% introductory rate which is as follows, 12 months on balance transfers, 6 months on purchases*. After the introductory period is over your rate will be between 11.99%-22.99%*(Variable), based on your creditworthiness.

See our Chase Freedom® Visa – $100 Bonus Cash Back review for more details.

TrueEarnings® Card from Costco and American Express

The TrueEarnings® Card from Costco and American Express is another great cash back rewards card that allows you to earn wherever you shop, including Costco. The TrueEarnings Card pays 3% cash back on up to $3,000 in gasoline purchases (1% thereafter). With the Costco card, cardmembers also earn 3% cash back at restaurants, 2% cash back for travel, and 1% cash rewards everywhere else. The card offers 0% on all purchases for the first 6 months and this is a credit card, not a charge card. That means you have the flexibility to pay the card off in full each month or make payments over time. After the introductory rate, your APR will be based on your creditworthiness.

See our TrueEarnings® Card from Costco and American Express review for more details.

The Citi ThankYou^SM Preferred Rewards Card – $500 in Gift Cards allows you to earn points for your everyday purchases and earn points for every mile you fly when you purchase your airline ticket with your Premier Card. The card offers bonus points for new members and gives an anniversary bonus each year you renew membership. The card offers competitive rates based on your creditworthiness and waives the annual fee for you and your authorized user for the first year. This card is available in both a MasterCard and Visa, you choose the card you want when you apply for the card.

Earn up to 50,000 bonus ThankYou® Points: 25,000 bonus points after you spend $5,000 in the first 6 months plus 25,000 bonus points after you spend $5,000 in the next 6 months 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*

0% Introductory Rate

The card offers a special introductory rate of 0% for N/A. Balance transfers have to be made within the first 4 months in order to get the 0% rate and there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. After the introductory rate, 12.99%-20.99%* (Variable), based on your creditworthiness.

Rewards Program

With this offer you will get 25,000 bonus ThankYou Points after you make $5,000 in purchases within the first 6 months. You will also earn an additional 25,000 bonus points after you spend $5,000 in purchases within the next 6 months. That’s a total of 50,000 bonus points in the first 12 months which is good for $500 in gift cards! You always earn 1 point for every $1 you spend on all purchases and the points don’t expire.

Anniversary Bonus

At the end of each Citi ThankYou Card account membership year you will also earn an Anniversary Bonus which is calculated as a percentage of ThankYou Points earned from purchases during that membership year. The Anniversary Bonus calculation does not include any other points you may have earned during that membership year. It may take 1-3 billing statements for the Anniversary Bonus to post to your Card Account at the end of each membership year. Here’s how it works: 0-1 years = 1%, 1-2 years = 2%, or 2 or more years = 3%.

Additional Citi ThankYou^SM Preferred Rewards Card – $500 in Gift Cards Details

This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:

• Extended Warranty: The terms of the original manufacturers’ U.S. warranties (of one year or less) may be extended up to one additional year on most items purchased on your card.
• Retail Purchase Protection: Most items purchased with your card are eligible for protection against accidental damage or theft up to 90 days from the date of purchase.
• $0 Liability on Unauthorized Charges: Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made on your Citi credit card.
• Travel & Emergency Assistance: You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.
• Automatic Travel Accident Insurance: Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
• Auto Rental Insurance: You’re automatically covered when you reserve and rent a covered vehicle with your Citi card and decline the car rental company’s collision loss/damage waiver insurance.
• Citi MasterCard® Payment Tag with PayPassTM: Enjoy the tap-and-go convenience of a Citi MasterCard® Payment Tag with PayPassTM. This new technology allows you to pay by tapping your payment tag on a PayPass reader at checkout. No fumbling for cash and no signature required on most purchases up to $25.
• Citi® Credit Card Benefits & Services: Your card includes a wide range of benefits and services to help protect your credit, provide simple online account management, offer cash or rewards and much more.

How to Apply for the Citi ThankYou(sm) Preferred Rewards Card – Up to $500 in Gift Cards

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi ThankYou^SM Preferred Rewards Card – $500 in Gift Cards in Gift Cards website. From this page, you can click on the apply now button to go to the Citi ThankYou^SM Preferred Rewards Card – $500 in Gift Cards in Gift Cards secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the Citi ThankYou^SM Preferred Rewards Card – $500 in Gift Cards official website.

Citi has a new business card on the market and it is called the CitiBusiness® World Card. The CitiBusiness® World Card has a limited time offer in which you can get a $100 in gift cards. There is a no pre-set spending limit which means that even though you’ll have a credit line, you’ll also have the ability to spend more than your limit without a penalty. It will be up to the discretion of Citi whether or not to approve your purchase if you go over your limit. The CitiBusiness World Card is also annual fee free.

Designed for businesses with an established credit history $100 gift card - when you redeem the 10,000 bonus ThankYou® points received after $300 in purchases within 3 months of account opening 0% intro APR on Purchases for 6 months. After that, 13.24% variable 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases Earn rewards for your business expenses, including purchases made on employee cards Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No Annual Fee*

0% Introductory Rate

One of the best features of this card is the introductory rate of 0% on purchases for six months. After that, the regular APR is between 13.24%* (Variable), based on your creditworthiness.

Citi Rewards

The CitiBusiness World Card is basically just handing out 10,000 ThankYou points to all new cardholders becuase you only have to spend $300 in the first three months to earn the bonus. For every 100 ThankYou points it’s worth $1 in gift cards (not cash). Your points never expire and can also be earned in the following ways:

• Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants and on professional services
• Earn 1 ThankYou Point per dollar spent on other purchases
• Earn ThankYou Points from purchases made on your employee accounts

Additional CitiBusiness® World Card Details

This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:

• Private pass access: With Private Pass, you’ll enjoy the opportunity to purchase presale tickets, preferred seating and more. Log-in to the Private Pass website, where all available events are listed, including golf, restaurants, nightclubs, shopping, sporting events, theater and other great events.
• Concierge Service: The Diamond Preferred Concierge Service can take care of just about everything, from booking flights and hotel rooms to purchasing concert tickets or making restaurant reservations. This service is also available 24/7 anywhere in the world.
• Extra Cash from Citi: Extra Cash from Citi is a free benefit program that offers you discounts on travel, entertainment, merchandise and more. Earn Extra Cash totaling up to 10% of the purchases made with your Diamond Preferred card.
• Price Protection: If you buy something with your Citi card and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250 (excludes Internet purchases and certain items).
• Retail Purchase Protection: Most items purchased with your Citi Diamond Preferred Card are eligible for protection against accidental damage or theft for up to 90 days from the date of purchase.
• $0 Liability on Unauthorized Charges: Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made on your Citi credit card.
• Travel & Emergency Assistance: You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance include medical and legal referrals, lost luggage assistance, emergency transportation, and translation services. Also included in this service are MasterTrip Travel Assistance, Travel Services Medical Assistance and MasterLegal Referral Service.
• Automatic Travel Accident Insurance: Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
• Citi Photocard: Citi Photocard offers a great form of photo identification by putting your picture and signature on the front of your Citi card.
• Virtual Account Numbers: With virtual account numbers you never have to give out your real credit card number online. With one click, you can generate a substitute credit card number and make it impossible for anyone to steal your account number while shopping online.
• Citi MasterCard Payment Tag with PayPass: Enjoy the convenience of a Citi MasterCard Payment Tag with PayPass. This new technology allows you to pay by tapping your payment tag on a PayPass reader at checkout. No signature is required for most purchases up to $25.

How to Apply for the CitiBusiness® World Card

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official CitiBusiness® World Card website. From this page, you can click on the apply now button to go to the CitiBusiness® World Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the CitiBusiness® World Card official website.

This offer is no longer available. To see more Citi offers click here.

Citi has enhanced one of their popular card offers just in time for this shopping season. The has a limited time offer in which you can get a $200 statement credit. This offer is unique because we don’t usually see these type of bonus offers combined with a balance transfer offer. This card is one of the best balance transfers offers available.

Earn a $200 statement credit after you make $500 online purchases in your first 3 months* 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the 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(R). -Exciting deals and savings for great brands through Citi Specials -$0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*

0% Introductory Rate

One of the best features of the Citi Diamond Preferred credit card is its 0% rate. On balance transfers the card offers 0% for 18 months and 0% for 18 months on purchases. The regular APR is between 11.99% - 21.99%, based on your creditworthiness.

$200 Statement Credit

You will get a $200 statement credit after you spending $500 in online purchases during the first three months of owning the Citi® Diamond Preferred® Card. This is only valid for online purchases and will not count if you make a purchase in person. Citi is encouraging online purchases for the holiday season so if you are an online shopper this is a great way to save money.

Additional Citi® Diamond Preferred® Card Details

This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:

• Private pass access: With Private Pass, you’ll enjoy the opportunity to purchase presale tickets, preferred seating and more. Log-in to the Private Pass website, where all available events are listed, including golf, restaurants, nightclubs, shopping, sporting events, theater and other great events.
• Concierge Service: The Diamond Preferred Concierge Service can take care of just about everything, from booking flights and hotel rooms to purchasing concert tickets or making restaurant reservations. This service is also available 24/7 anywhere in the world.
• Extra Cash from Citi: Extra Cash from Citi is a free benefit program that offers you discounts on travel, entertainment, merchandise and more. Earn Extra Cash totaling up to 10% of the purchases made with your Diamond Preferred card.
• Price Protection: If you buy something with your Citi card and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250 (excludes Internet purchases and certain items).
• Retail Purchase Protection: Most items purchased with your Citi Diamond Preferred Card are eligible for protection against accidental damage or theft for up to 90 days from the date of purchase.
• $0 Liability on Unauthorized Charges: Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made on your Citi credit card.
• Travel & Emergency Assistance: You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance include medical and legal referrals, lost luggage assistance, emergency transportation, and translation services. Also included in this service are MasterTrip Travel Assistance, Travel Services Medical Assistance and MasterLegal Referral Service.
• Automatic Travel Accident Insurance: Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
• Citi Photocard: Citi Photocard offers a great form of photo identification by putting your picture and signature on the front of your Citi card.
• Virtual Account Numbers: With virtual account numbers you never have to give out your real credit card number online. With one click, you can generate a substitute credit card number and make it impossible for anyone to steal your account number while shopping online.
• Citi MasterCard Payment Tag with PayPass: Enjoy the convenience of a Citi MasterCard Payment Tag with PayPass. This new technology allows you to pay by tapping your payment tag on a PayPass reader at checkout. No signature is required for most purchases up to $25.

How to Apply for the Citi Diamond Preferred Card – $200 Statement Credit

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi® Diamond Preferred® Card website. From this page, you can click on the apply now button to go to the Citi Diamond Preferred Card – $200 Statement Credit secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the official website.

One of the best deals available are credit cards that offer 0% on purchases. Zero interest on purchases allows you to use the card for big purchases or everyday expenses, and pay no interest until the into period expires.

Until recently, it was common for cards to offer no interest for up to 12 months. Now, some credit cards offer 0% for up to 18 months. Many of these offers are even packed full of other benefits, such as cash back rewards, travel points, or even zero percent balance transfer offers.

Below you’ll see our top pick from Citi which gives you 18* months 0% on your purchases, followed by a list of other top offers. To get you started, we have researched and listed below the Best 0% Purchase Credit Cards of 2011.

EDITOR’S CHOICE – Citi® Platinum Select® MasterCard®

The Citi® Platinum Select® MasterCard® is a tough card to beat because of the 0% introductory offer. This is one of the best 0% offers out there and that’s why it’s our top pick. The card offers 0% for a full 18* months on both purchases and balance transfers. After the introductory period, the regular APR is between 11.99%-21.99%* (Variable), based on your creditworthiness. This offer is a great one to go with if you are planning on making a big purchase or if you just need extra time to pay off your balance.

For more details, check out our Citi® Platinum Select® MasterCard® review.

Capital One® Platinum Prestige Credit Card

The best feature of the Capital One® Platinum Prestige Credit Card is the 0% introductory rate on both purchases and balance transfers until until May 2013*. This feature benefits those who may want to carry a balance or transfer balances from other cards with high interest rates. Another great feature is the low go-to APR. After the 0% introductory period, the APR for both purchases and balance transfers is a low go-to APR of 10.9% - 18.9% (V)*.

See our Capital One® Platinum Prestige Credit Card review for more details.

Discover® More® Card

The best feature of the Discover® More® Card is the 0% introductory offer. This card gives a full 12 months of 0% on purchases and 15 months no interest on balance transfers. After the introductory rate, the APR you receive is 10.99% - 20.99% (Variable)*, based on your creditworthiness. This card also offers 5% cash back in rotating categories and 1% on all other purchases.

See our Discover® More® Card review for more details.

Citi ThankYou^SM Preferred Card – $100 Gift Card

The Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards makes our list for a few reasons. First, the card gives 0% for N/A*. In addition, this card offers a nice rewards program and gives a bonus of $100 in gift cards after you make $500 in purchases within 3 months of account opening. All these factors combined makes this offer a tough one to beat. After the introductory rate the regular APR is 12.99%-22.99%* (Variable), based on your creditworthiness.

See our Citi ThankYou^SM Preferred Card – $100 Gift Card review for more details.

Capital One® VentureOne(SM) Rewards Credit Card

The best feature of the Capital One® VentureOne^SM Rewards Credit Card is that it gives 0% on purchases until until February 2013*. After the 0% introductory period, the APR for is a low go-to APR of 11.9% - 19.9% (V)*. There is a one-time bonus of 10,000 miles once you spend $1,000 in the first 3 months. There is no limit on the miles cardholders can earn and they can be redeemed for virtually any travel expense, such as airline tickets, hotel rooms, car rentals and more.

See our Capital One® VentureOne(SM) Rewards Credit Card review for more details.

Citi® Simplicity Card

The Citi Simplicity® Card makes our list as one of the top cards because it gives 18* months of 0% on purchases. That’s not all you get with this card, you will also get 18* on balance transfers with a transfer fee of 3%. This dual offer also comes with a regular APR of 12.99% - 21.99%* (Variable), based on your creditworthiness. The Citi® Simplicity Card is part of Citi’s Extra Cash program. With Extra Cash, you can purchase products online through Citi and apply your Extra Cash toward the purchase price.

See our Citi® Simplicity Card review for more details.

Citi® Dividend World MasterCard®

The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is an all around great card. To start you get 0% on purchases for 15 months and the 15 months also applies to balance transfers. After the introductory period, the APR will be between 12.99%-22.99%* (Variable) and is based on your creditworthiness. In addition, this card gives 5% cash back in rotating categories and as a bonus you will earn $100 cash back when you spend $500 within the first 3 months.

See our Citi® Dividend World MasterCard® review for more details.

Cash back credit cards are basically free cash and that’s why they are my favorite type of card. This brings me to the TrueEarnings® Card from Costco and American Express which happens to be one of my top cash back cards. This is one of my favorite offers because it is one of the generous cash back rewards available today from any credit card. The card offers 0% on purchases and a $25 statement credit after your first purchase.

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

0% APR Offer

The card offers 0% on all purchases for the first 6 months you have the card. Unlike many Amex cards, the TrueEarnings card is a credit card, not a charge card. That means you have the flexibility to pay the card off in full each month or make payments over time. After the introductory rate, your APR will be based on your creditworthiness.

Rewards Program

The True Earnings Card from Costco and American Express is a cash back rewards card that can earn you cash wherever you shop, including Costco. The TrueEarnings Card pays 3% cash back on up to $3,000 in gasoline purchases (1% thereafter). With the Costco card, cardmembers also earn 3% cash back at restaurants, 2% cash back for travel, and 1% cash rewards everywhere else, including Costco.

AdditionalTrueEarnings® Card from Costco and American Express Details

This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:

• Travel Accident Insurance: Help protect yourself and your family when you travel with up to $100,000.
• 2 Memberships in 1: The TrueEarnings® Card serves as both your American Express Credit Card and your Costco Membership Card.
• No annual fee with Costco Membership: No Annual Fee with your paid Costco Membership.
• Receive world-class Customer Service and protection: American Express offers personal attention and exceptional Customer Service that’s available when you need it, 24/7. Rest assured with valuable services like Purchase Protection,2 Extended Warranty,3 and the Global Assist® Hotline.
• Car Rental Loss and Damage Insurance: Stop worrying about expensive car insurance policies when renting a car – you can be covered at no additional charge.
• Travelers Cheques: Be prepared by having foreign currency and American Express® Travelers Cheques delivered directly to your door within five to seven business days.
• ATM Access: Enjoy instant access to cash, up to your cash advance limit, at over 500,000 ATMs worldwide with the Express Cash feature.

How to Apply for the TrueEarnings® Card from Costco and American Express

Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official TrueEarnings® Card from Costco and American Express website. From this page, you can click on the apply now button to go to the TrueEarnings® Card from Costco and American Express secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.

To get started, visit the TrueEarnings® Card from Costco and American Express official website.

Balance Transfers Credit Cards are a great tool you can use to save money. A balance transfer card allows you to transfer the balance from another credit card to a card with a lower rate. If you have a balance on a credit card that is currently charging you interest, you can transfer your existing balance to the new card that offers a 0% APR on balance transfers. A balance transfer card is especially a good idea when you are trying to get out of credit card debt. The idea is to find a card that offers the lowest rate and for the longest period of time. Typically, there is a fee associated with making this transfer – a balance transfer fee. The fee is usually 3% to 5% of the amount you transfer. [Read more...]

After more than three years of paying transfer fees, the free balance transfer is back. The Slate® from Chase is now the only card offering a 0% APR introductory rate on balance transfers with absolutely no balance transfer fee. And with no annual fee, this is as close to free money as you’ll ever get. Here is a snapshot of what the card offers:

Limited Time: No Balance Transfer Fee!* Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5 0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends Slate with Blueprint helps you pay down your balances faster and save on interest Zero liability on unauthorized purchases* No Annual Fee*

[Read more...]