It is important, before opening new credit accounts, to be sure that the process will not adversely affect your credit ratings. The account, instead, must provide the ability to track credit patterns, including payment due dates, interest rates, fees and charges made. Unfortunately, there is no easy answer to deciding which card is ideal for most, if not all concerns.

Check out the pros and cons of the five best credit cards.

Blue Cash (American Express)

Pros

Customer will receive $100 bonus cash back within the first 3 months when you spend $1,000 on purchases

There will be zero percent APR introductory rate on purchases for up to 12 months

On October 1, 2009, American Express eliminated all over-limit fees

There is no annual fee

Cons
Customers will forfeit hi-rebate for the entire rebate year, if the minimum payment due is not paid for 3 or more billing periods in a row

There is no 0% intro APR for balance transfers.

Chase Freedom Card

Pros

This Cash Rewards card, issued by JPMorgan Chase, offers a $200 bonus cash-back offer for new sign-ups

There is no annual fee

There is no earning limit and cash rebates never expire

Cons

There is no 0% introductory APR on purchases or balance transfers

Customer has to pay his balances in full by the due date each month, if he won't have to pay any interest

Chase Sapphire Card

Pros

The customer will receive $250 in rewards after he spends $3,000 in 3 months

The customer can accumulate an unlimited number of points. These never expire

There is 24/7 real-person customer service

Cons

There is no introductory APR on balance transfers or purchases

The customer must pay outstanding balance in full and on time, to avoid interest payments

American Express Platinum Card

Pros

The customer earns 25,000 Membership Rewards bonus points on spending a minimum of $1,000 inside the first 3 months

The customer can accumulate an unlimited number of points. These never expire

The customer can redeem points to pay for incredible rewards, ranging from travel and shopping to dining to entertainment

Cons

It has one of the highest annual fees

It is a luxury travel card

Continental Credit Card
Pros

There is no annual fee for the first year

The customer can get up to 40,000 bonus miles

The customer can redeem his miles for free flights, hotel stays and car rentals

Cons

There is an annual fee of $95 which the customer has to pay after the first year

There is no introductory offer on balance transfers or purchases

Jpmorgan chase American Express Jpmorgan chase Jpmorgan chase