Best Credit Cards - Special Deals & Promotions

If you're looking for the best credit card deals, you've come to the right place.  MoneyRates.com has assembled some of the top credit card promotions and special offers available.

A credit card should work for you to deliver great deals and rewards. Whether you're looking for a large cash back bonus, a bundle of airline miles for a well-deserved vacation, or an exclusive cardholder perk, we've got you covered. Find the best credit card deals and promotions from today's top card offerings.

Card Rating ★ ★ ★ ★ ★
  • Get 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.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
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Card Rating ★ ★ ★ ★
  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
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Card Rating ★ ★ ★ ★ ★
  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
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Card Rating ★ ★ ★ ★
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
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Card Rating ★ ★ ★ ★ ★
  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% introductory APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases
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Card Rating ★ ★ ★ ★ ★
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
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Card Rating ★ ★ ★ ★ ★
  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points per dollar spent on airfare purchases
  • Earn 1 point per dollar spent on all other purchases
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These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

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Best credit cards - Special deals and promotions

By Doresa Banning | Money Rates Columnist

Credit card companies want your business, and they will offer some special deals to get it--a wad of cash, a bevy of points, a pile of airline miles or other perks. Many of these are introductory offers, but others will stick around for the life of the card.

Earning these bonuses requires you to take action. It may be all you have to do is open an account. Or you may have to obtain a new card and charge a certain amount to it within a given time. For other benefits, you may simply have to be a cardholder in good standing.

Here are some of the different types of special deals from top credit cards for 2012:-

Cash back

With this offer, you typically earn a lump sum after you reach a spending limit within the given period. For example, you might earn $200 once you spend $500 on purchases in the first three months of opening your account. Or you might get a $500 cash-back bonus for spending $3,000 within three months.

Redeemable points

This offer is similar to the cash-back offer, except that you earn points instead of cash after spending a certain amount within a given timeframe. For instance, you might earn 10,000 or 15,000 points after charging $1,000 of new purchases to your card in the first three months. Or you might earn 6,000 in points after accumulating $300 in purchases on your card within three months. Points are redeemable for goods and services outlined by the credit card company.

Airline miles

With this offer, you may garner a certain number of miles simply for signing up for the credit card or when you charge purchases to the card. The rate at which you earn miles varies from card to card, though one mile is often equivalent to $1. Many cards offer bonuses on top of this, so you might earn 25,000 bonus miles when you open the account, or you might garner 1,000 bonus miles every month you make a purchase for the first year, up to a specified maximum equivalent. Again, it's important to read the rules regarding redemption.

Cardholder benefits

The types of these deals vary from card to card. In some cases, you might earn a 7 percent annual points dividend, even on points you already redeemed. Or you might get a high percentage of cash back, say 10 percent, for shopping with your card company's merchant partners. Or you might get exclusive access to certain concerts, shows, sporting events and the like.

Some of these rewards may expire if not redeemed within a certain time. Other limitations on redemption may exist as well. These details often can be found on the credit card application, the card issuer's website or the credit card agreement. And you can always call the credit card company with questions.

With many of these credit card specials, you can land big rewards. But remember, that most often requires that you spend to reap the rewards. If you obtain a card around the time you plan to make a big purchase, this could work nicely for you. For the rewards to truly be extras, though, you should avoid racking up interest and pay off your account balance each pay period.

 

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