No Hassles Please

Credit card companies suck. I think they purposely make it so hard for you to decide just what's the best for you. I literally spent the whole day reading about which credit cards give the best rewards, miles, points, you name it. And I've come to the conclusion that, well, there is no best credit card. Actually, I think I've approached this all wrong -- rather, I should try to find the credit card that sucks the least. If you spend the time to read all the fine print involved with every rewards program, you'll be shocked to see just how sketchy these companies really are. Hidden annual fees, reward cap limits, expiring points, etc.

However, even with the difficulty in finding one, we still have to decide on one unless you just like carrying around rolls of cash. I offer my advice: start here. Find out just where you spend most of your money monthly. From there, the website will help identify the right card(s) for you and just what will get you the most bang for your buck. After that though, it's up to you to decide on one of the top choices as all come with their own restrictions and fine print. Even after all that and you're still scared off by these devilish companies (and I don't blame you), I would suggest these as they're the most reliable rubber bands in the business.

My Picks:
Citi Diamond Preferred Rewards - 5% cashback on groceries/gas/drugs for 1 year, $50 gift card for signing up, no fees, 75,000 points limit/year, Mastercard
Citi Professional Cash Card - 3% cashback on restaurants/gas/office supplies/car rentals, no fees, $500 reward limit/year, Mastercard
Bank of Americard Rewards - 1.5% cashback on everything if you have a Bank of America account, no fees, no reward limit/year, Visa

Day-Maker: Receiving my college diploma.