Best Credit Cards with Sign-Up Bonuses in 2013, According to

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Creditnet announces the best credit card sign-up bonuses of 2013

Double miles, $100 cash back and 0% interest for a year or more are all some of the very best credit card sign-up incentives.

Credit card sign-up bonuses and spending incentives have long been a popular way to entice consumers into signing up for a credit card. Double miles, cash back bonuses and 0% interest for a year or more are all some of the very best credit card sign-up incentives on the market today.

A new study out this week from the American Bankers Association says that credit card delinquency is at an 18-year low; this combined with the fact that credit card issuers have never faced more competition means consumers can choose from one of several excellent credit card sign-up bonuses in 2013.

That's according to, a prominent credit information website since 1995. For consumers with good credit in the market for a new, incentive-laden credit card in the new year, Creditnet today announced its picks for the best credit-card sign up bonuses in 2013.

Creditnet considered the length of an intro period offered by a credit card, the number of months in which it was required for a spending incentive to be met and how realistic a purchasing bonus was for the average consumer in determining which credit cards had the best sign-up bonuses on the market today.

"It's a really opportunistic time to be in the market for a credit card," said Jason Bushey, Creditnet's Vice President of Operations. "If your credit score is good-to-excellent and you know exactly what you're looking for in terms of rewards, there are cards with strong bonuses attached to some reasonably-low spending incentives this year."

Here are Creditnet's picks for the top credit card sign-up bonuses of 2013:

For Initial Cash Back: Capital One® Cash Rewards - $100 Cash Back

This credit card for people with good credit is features one of the best sign-up bonuses of any cards available today because it takes only a modest amount of spending to obtain the $100 cash back bonus.

Capital One rewards cardholders with $100 cash back after making $500 in purchases within the first three months of the account opening. So, cardholders only need to spend $167 per month or more for the first three months to earn $100 cash back from Capital One; that's the equivalent of receiving a 20% discount on the first $500 in purchases, making this cash back credit card one of the best for sign-up bonuses in 2013.

For Ongoing Cash Back: Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Similar to the aforementioned Capital One Card, this Citi card will reward shoppers with $100 cash back after $500 in purchases made within three months of the account opening.

The intro period attached to this credit card includes purchases and balance transfers - and cardholders will receive 5% cash back from Citi on rotating categories that change every quarter; through March 31st, this includes purchases made at, fitness clubs and drugstores.

So, while this credit card's sign-up bonus pays off handsomely from the beginning, it's also one of the very best cash back credit cards to own in the long-run as well.

For Miles: Chase United MileagePlus® Explorer Card

Consumers that spend $1,000 in the first three months using this popular Chase airline miles card in association with United Airlines will earn 30,000 bonus miles. That's a nice bump for consumers hoping to accrue bonus miles fast, and makes this travel rewards credit card one of the most popular co-branded airline cards on the market today.

Also, Chase will waive the $95 annual fee for the the first 12 months, and the ongoing APR is on the low-side at 15.24%. This is a bonus miles credit card Creditnet recommends for frequent United Airlines fliers.

For Travel Rewards: Chase Sapphire (SM)

Long considered one of the best travel rewards credit cards, the Chase Sapphire Card will give cardholders 10,000 points - equivalent to $100 in travel, cash back or merchandise - after $500 in purchases in the first three months. (Sounds familiar, right?)

However, this popular rewards credit card is perhaps most regarded for its connection with the Chase Ultimate Rewards Program, which offers discount travel and merchandise options, plus rewards consumers with even more cash back when redeeming points. This is what sets the Chase Sapphire Card apart from other travel rewards cards with sign-up bonuses in 2013.

For Business Rewards: Chase Ink Bold® Charge Card

Finally, for small business owners looking to rack up as many free points as possible, the Chase Ink Bold Card Charge Card offers cardholders 50,000 bonus points after making $5,000 in purchases in the first three months from account opening.

This is a pay-in-full business card, so it's imperative small business owners charge only items that can be realistically paid off at the end of a billing cycle. However, for the business owner making $1,667+ each month in purchases, this card could net some serious business perks. Plus it rewards eligible business purchases with 5% cash back, making it a great sign-up bonus credit card for business owners.

About Creditnet: is an online authority on credit card reviews and credit building advice. As the host of Credit Talk, the web's oldest and most comprehensive credit forum, Creditnet has been helping consumers improve their credit since 1995. Creditnet's credit card search tool matches users with the best possible credit card for them, and the blog CreditCents includes credit card news, reviews and tips each week.

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