As the new year begins, it's a good opportunity to review the best credit card offers available and see which - if any - make sense for you. The best credit cards of 2013 offer a combination of sign-up bonuses, reward programs, low-APR promotional periods, and other benefits that can be used to your advantage if you pay attention. When used properly, credit cards can be an effective tool for managing your finances, earning rewards on everyday spending, building a solid credit history, and maintaining your cash flow, but these tools can be also used incorrectly, damaging your finances in the process. Consider the following offers if you plan to open a new credit card or if you're looking to make the most out of your everyday spending. But if you are a “Type A” credit card user - if you use credit cards to spend more than you can afford and have difficulty making payments - consider improving your finances and getting out of debt before applying for a new credit card.