The Marvel Now! comics seem to be a great jumping on point, at least they were for me. I was in a similar situation to you, except I hadn't read any civil war stuff, so I'll tell you what I've been enjoying.
In terms of Marvel, Hawkeye is absolutely superb and you should definitely check that out, also Daredevil is having a really good run and the art on both of these is amazing. I'm really enjoying Avengers Arena too. FF (not Fantastic Four) and Superior Spider-Man have also been really entertaining and are solid reads. Depending on your budget I'd also recommend the recent X-Men books, although there are a few interconnecting ones (All-New X-Men, Uncanny X-Men, X-Men, etc) so keeping track of them all might cost you a bit. They're good though.
I don't read a lot of DC, but Wonder Woman and Batwoman have been good so far IMO. Supergirl is good, although that also has a bunch of crossovers with the other Super- titles so you might have the same issue of having to buy multiple titles (same goes for Batman etc with a generally higher level of quality across all those).
Image has a bunch of great stuff at the moment, Manhattan Projects, Saga, Sex, Nowhere Men, Ten Grand, East of West and Five Ghosts are all entertaining, The Black Beetle from Dark Horse is a great pulpy comic with fantastic art. Vertigo has a few decent titles too, Fables (up to #75) is incredible, The Unwritten is great too.
My top 5 picks for now coming from someone who's recently got back into comics are probably Hawkeye, Daredevil, Superior Spider-Man, FF and Saga, but look at previews for the rest and see how you feel!
