Top 10 Best Credit cards in the World

When you go for a Creditcard, make sure that you get one with a reduced interest rate, No hidden charges, Great offers and Rewards. Also, make sure that the card offers service assistance features such as Mobile alerts, Marketing Alerts, Fraud Alerts etc along with an excellent customer support facility. Lot of credit cards are continually been launched in the market, each with its own features and offers, hence it's the discretion of the customer to choose which card suits all of his/her needs. To know everything on how to select your credit card, you can read my article, http://hubpages.com/hub/How-to-choose-your-Creditcard-Useful-tips-and-Guidelines-for-selecting-the-best-Creditcard-that-suits-all-your-needs

Below is the list of Top 10 Best Credit cards in the world

#10: CITGO MasterCard from Citi

Gas prices have scaled sky-high and the more you can save on gas, the better. The Citi CITGO MasterCard makes Fuel saving easy. You can now save upto 10% on all CITGO purchases, including gas, when you use your CITGO MasterCard After the introductory period lapses, you can still earn a healthy 5% rebate on all CITGO purchases. You also earn 1% to 2% on all other retail purchases. There is however a limit of $50 per month on Rebates, but getting these rebates is so easy. The rebate amount automatically shows up as a credit on your credit card bill the following month. There is no redemption process and no minimum limit 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 outlet

#9: The Elite Rewards World MasterCard

You will feel as if you are part of the "Elite" with the Elite Rewards World MasterCard. You now earn Double rewards points on retail purchases from a wide array of participating merchants, plus 800 Bonus points after your first purchase. This enables you to redeem rewards, Gift certificates and your favorite Merchandise. There is no annual Fee on the card and it offers 0% APR for the first 12 months on all balance transfers. Travel rewards are also hassle-free since you can fly on almost any major U.S. airline with no blackout dates and also get discounts from Avis Rental Cars and others when you use the Elite Rewards MasterCard

#8: Capital One Platinum Prestige Card

You get 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 or Hidden charges- just a flat Low interest rate. Most importantly, Capital One won’t put you to the penalty rate just because you go over your limit or accidentally miss your minimum payment. No annual fee, no balance transfer fee and No complex rewards point system makes the Capital One Platinum Prestige a choice for those that don't want any distractions when it comes to using one of the best credit cards out there

#7: Bank of America World Points Card

The World Points card from the Bank of America offers an attractive 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 a variety of redemption options such as 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 Credit directly to your statement after enough qualifying transactions.

#6: Capital One No Hassle Rewards Card

The Capital One No Hassle Rewards Card is more than just No Hassle!!!!!! It also makes the Top 10 best credit cards list. You must be familiar with the commercials where the miles you acquire through Capital One are not subject to any blackout dates or restrictions. That’s 100% right, you can redeem your miles towards any flight on any date and your miles never expire. There is a satisfactory 13.9% per annum interest rate, but you do earn 1.25 miles for each dollar spent rather than 1.00 like most other 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

#5: Commerce Bank (NJ) Visa Card

If you are 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 unique Card . There are no gimmicks or cash back bonuses as many of the best credit cards advertise with. This is a solid, all-around card with no annual fee and attractive interest rates ranging from 2.99% p.a to 8.99% p.a. There are absolutely no service fees for transferring balances, cash advances, paying late or going over the limit. You need not try to find another credit card that can match that. For loyalty program fans, this one works great. You earn three Visa Extras Reward Points for each dollar you spend with the Commerce Bank Visa card. 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

#4: Discover Cash Back Card

Discover has always advocated cash back as its motto and the Discover More card advocated this big time. 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 retail purchases. There is no annual fee and the card offers 0% APR for 12 months on all balance transfers and purchases from account opening. If there are any drawbacks to mention it would have to be that some smaller business merchants do not accept Discover, and there are some restrictions on your cash back rewards

#3: Citi Cash Returns Card

When you want both 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, without restrictions or limits. For the first 12 months, you also get a 20% bonus on your cash back rewards and 0% APR on all balance transfers. There is no annual fee and redeeming the rewards is very simple . 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 redeemed. This card pays you upfront

#2: American Express Blue card

American Express has long been known for its commitment to excellence and customer service. The Blue card from Amex is no exception. For new applicants, there is no annual fee and the card offers a flat 0% APR for up to 15 months from card opening. Balance transfers are offered at 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 towards Purchases, Gift cards, entertainment and many other gifts and items - Everything with no hassle. If you opt for the Blue Cash program, you get cash deposited directly to a high-yield savings account.

#1: Chase Freedom

Credit cards offer everything from Cash back, reward points, frequent flyer miles, fuel rebates, and even gift/merchandise 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 saving. 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, but there is no annual fee and it is very easy to redeem your rewards. There may be better cards, but across the board, you no longer have to worry if you are using the right credit card to get maximum savings. Chase's customer support and online tools are also excellent