Below I have an ongoing list of some of the better consumer credit card deals out there. I base my selections on signup bonuses, reward programs, and sometimes some other criteria. I don't really focus on standard APR  because I always pay off my balance in full whenever possible. It's just not one of the things I look for when choosing a new card. If you keep a running balance then I would suggest looking through these cards for the ones with the lowest annual percentage rate. Oh, and one more thing: no annual fees. For most people cards with annual fees aren't worth it—you can always find something that has the same or better benefits for free.

Remember that business credit cards are not just for businesses! Check out the best business credit cards as well for more great offers.

American Express Costco TrueEarnings Card

Overview: If you are already a Costco member you can't really go wrong with this card.

Bonuses: 0% APR for 3 months on all purchases.

Rewards Program: Cash back credited to the account monthly. 5% gas purchases. 3% back on restaurant charges. 2% back on travel expenses, 1% back on all other purchases, no cap.

Why it's a good credit card: Great, no-hassle rewards program. Top-rated American Express 24/7 phone support. Additional 3-25% OPEN network savings at select merchants (FedEx, Delta, Marriott, etc.). Automatic purchase protection and travel insurance. Note that this links to the business version of the card, which is the one you want to get because the rebate on gas is 5% versus 3% with the personal version of the card.

Chase Freedom Visa (Rewards program downgraded.)

Overview: Everyone should have this card or the business version of this card to use as their main 'everyday purchases' credit card. No-hassle, high-rebate rewards program and is accepted everywhere.

Bonuses: $50 cash back after first purchase.

Rewards Program: Cash back by way points, points redeemable on a 1:1 basis for cash. 3% cash back equivalent in the top three of fifteen spending categories every month (top five with Chase bank account). 1% beyond that for everything else. 3.75% cash back is possible if you wait to redeem your points until the $200 level (for a $250 check). Bonus points are capped at $600 in purchases monthly, after which you will only receive the standard 1% back.

Why it's a good credit card: Automatically gives you extra cash back on your top spending categories, which includes just about everything you could purchase (except restaurant transactions, so be sure to sign up for the American Express Costco TrueEarnings card for 3% back). Visa, so it's accepted almost everywhere.

American Express Clear Card

Overview: The card to get if you tend to be forgetful, or seem to always incur those hefty fees for one reason or another.

Bonuses: 0% APR on purchases for 12 months.

Rewards Program: One cent for every dollar spent (equivalent to 1% cash back). Automatically redeemed to your account balance every month. One free credit report with FICO score every twelve months.

Why it's a good credit card: No fees. None. Top-rated American Express 24/7 phone support. Automatic purchase protection and travel insurance.