SOURCE: Creditnet


July 17, 2014 08:00 ET

The Top Credit Card Offers for July 2014, Announced by

NEW YORK, NY--(Marketwired - Jul 17, 2014) - With summer in full swing, spending is on the rise. There are many dynamics that impact your wallet during the summer months, including vacations, increased utility costs, auto repairs and more. Regardless to the source of your expenditures, it is likely that you will, in some way, feel the financial pinch during the summer months. Fortunately, there are a number of credit cards that are designed to help you effectively manage the situation.

Based on the latest data from, an informative online credit card data center, having the right type of credit card has the capacity to allow consumers to effectively manage their spending -- maximizing each dollar. There a numerous offers that are designed to suit every situation, including cards that offer travel rewards to O% APR. These types of deals help the card holders manage their spending.

Best 0% APR: Citi Simplicity Card

The Citi Simplicity Card offers one of the most comprehensive 0% APR plans available to consumers. Not only does the 0% APR apply to purchases up to 18 months, but it also applies to balance transfers from other cards. This means that you can transfer the balance from those high-interest rate cards to your Simplicity card and immediately save money. In addition to the 0% APR benefit, there are no annual fees or late fees to be concerned with. Citi has always provided excellent customer service, and that has not changed -- offering 24-hour customer support.

Best Balance Transfer Card: Discover it chrome

When it comes to balance transfers, the Discover it chrome card for balance transfers provides a multiplicity of benefits, offering consumers the opportunity to transfer the balance from cards with high interest rates to the Discover it chrome card. The card offers 0% APR for 18 months on all balance transfers. In addition to saving money on balance transfers, you will also be able to save money on purchases up to six months with 0% APR, not to mention 2% cash back on up to $1,000 on selected purchases. There are no annual fees or over the limit fees. Discover understands the value of proactive customer service, offering U.S. based customer service centers to ensure their customers receive the most effective support possible.

Best Rewards Card: Barclaycard Arrival Plus World Elite MasterCard

As far as rewards cards are concerned, the Barclaycard Arrival Plus World Elite MasterCard gets exceptional ratings from The card allows members to earn up to 40,000 bonus miles when spending $3,000 on purchase within the first 90 days -- enough to redeem a $400 travel statement credit. Additionally, miles earned will never expire as long as the account remains active. The card is also equipped with chip card technology so that you can shop with confidence when you travel abroad. There are no foreign transaction fees associated with any purchases made in another country. An added benefit is the complimentary free FICO score offered to card members.

Best Cash Back Card: Discover it chrome

The Discover it chrome card weighs in again; this time as the best cash back option. The card offers 2% cash back on all combined purchases up to $1,000 at gas stations and restaurants on a quarterly basis -- without requiring a program sign-up. Additionally, there is a 1% cash back on all additional purchases. The card also offers 0% APR on purchases and balance transfers for 14 months -- converting to a variable APR after the 14-month period expires. There are no late fees on the first late payment, and the APR will not increase when you pay late. There is no annual fee or over-the-limit fee

The Best Travel Card: The US Airways Premier World MasterCard

The US Airways Premier World MasterCard has some exceptional travel benefits, including 40,000 bonus miles after your first purchase and payment of the $89 annual fee. Additionally, the first checked bag will be FREE on bags that qualify for you and a companion on US Airways domestic flights. You will also have priority boarding Zone 2 on all US Airways flights. Every purchase earns miles at a rate of two miles for every one dollar spent on US Airways purchases and one mile for every dollar spent anywhere else.

Whether you are looking to earn cash back or transfer an existing balance, these are the best credit card deals for the month of July.

About Creditnet:

Creditnet is one of the leading online credit card comparison sites, allowing consumers to compare the best credit card deals available in real time. Using a number of innovative comparison tools, Creditnet allows users to find the best credit card for their specific situation. Additionally, the Creditnet Credit Talk Forum has more than 100,000 members who discuss numerous topics associated with debt, credit, credit cards and more.

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