Top-Rated Credit Cards for 2013

• Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
• Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
• 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
• 1 point per $1 spent anywhere Visa Cards are accepted.
• Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.
• 0% intro APR¹⁵ for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99% - 23.99%.
• $0 annual fee.¹⁵

• The new Discover it card is out to change the way people think about credit cards.
• Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won´t increase your APR for paying late.^±
• Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.^±
• Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
• Flexible…Choose your own due date and pay up to midnight ET online or by phone.
• Human…talk to a real person any time with 100% U.S.-based service.
• 0% Intro APR^± on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.^±
• 0% Intro APR^± on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. ^±Click apply for Terms & Conditions.

• 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.²⁶
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
• Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
• Let our 24/7 concierge service help book your hotel rooms, flights and more.
• Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
• $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
• No annual fee.²⁶

• $0 intro annual fee for the first year; $19 after that.
• Image Card - personalize your card with an image of your choice.
• $0 Fraud Liability if your card is lost or stolen.
• Monitor your spending with text message alerts.

• A card designed to help those new to the U.S. establish credit and earn cash back.
• Build credit with responsible use -- plus automatic reporting to the three major credit bureaus.
• Get 2% cash back on travel purchases.
• Earn 1% cash back on all other purchases.
• No foreign transaction fees.
• No annual fee.

• 0% intro APR until September 2014 on balance transfers.
• 0% intro APR until September 2014 on purchases.
• No annual fee.
• $0 Fraud Liability if your card is lost or stolen.
• 24-hour travel assistance gives you a replacement card and cash advance.
• 24-hour roadside assistance.
• Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.

• 50% bonus on the cash back you earn every year.
• 1% cash back on all purchases.
• 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 until March 2014.

• $500 Credit Limit.⁷⁰
• Guaranteed approval for unsecured credit line.
• No Credit Check.
• Fast Online Application.
• No Employment Check.
• Reports to a Major Credit Bureau.
• Bad Credit accepted.
• Always 0.0% APR.

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• No late fees - EVER.
• No penalty rate - EVER.
• No annual fee - EVER.
• Save time when you call with fast, personal help, 24 hours a day.

• 2 miles per dollar on every purchase, every day.
• As seen in Money® Magazine´s "Best" issue three years in a row. - Money® Magazine May 2010, 2011, 2012.
• Earn 10,000 bonus miles when you spend $1,000 on purchases 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.