By Michael Tedder But you only have until the end of the year to claim it. There’s a ton of credit card companies out there, and each one of those companies think they offer something different and unique to their customers. Sometimes they really are competitive with their interest rates. But busy consumers might not necessarily care much about the finer points between American Express (AXP) – Get American Express Company Report and Discover (DFS) – Get Discover Financial Services Report, and whichever one charges the lowest annual fee or the lowest interest rate, or whatever the best card a c…