Tag Archive: Rewards

Credit Cards – Reviews, Advice & Calculators, rewards credit cards.#Rewards #credit #cards

Credit Cards

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Why 0% financing from retailers can be a bad deal

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6 risky ways to pay off credit card debt

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What credit score do you need for a premium rewards credit card?

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Rewards credit cards

Business Platinum Card from American Express vs. Business Gold Rewards Card from American Express

Advertiser Disclosure: The credit card offers that appear on the website are from companies from which this site receives compensation. This compensation may impact how and where products appear on this [. ]

Rewards credit cards

U.S. Bank Cash+ Visa Signature Card vs. Chase Freedom

Both cards offer bonus rewards in rotating quarterly categories.

Rewards credit cards

Discover will search for your stolen data so you don’t have to

Issuer will monitor the so-called dark web looking for your Social Security number.

Rewards credit cards

Current Credit Card Interest Rates

View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

Rewards credit cards

Capital One VentureOne Rewards vs. Capital One Venture Rewards

Your annual credit card spending will determine which of these rewards cards is right for you.

Rewards credit cards

Black Friday 2017: Find the best credit card strategy for you

Using the right card can help you maximize rewards and save money while holiday shopping.

Rewards credit cards

6 reasons why an issuer may close your card

There are ways you can prevent a card closing, but sometimes it’s out of your control.

Rewards credit cards

Uber’s new rewards credit card zooms ahead of the pack

You may be floored by the souped-up rewards on dining and travel spending.

Rewards credit cards

Choosing the right credit cards as your family grows

The content on this page is accurate as of the posting date. Please see the banks’ websites for the most current version of card offers. When you have a baby, your daily spending habits change almost [. ]

Rewards credit cards

Best credit card tips for November 2017

These four smart credit card moves can help you gobble up some savings.

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Credit Card Goodies – Rebates, Rewards, and other Incentives, credit card rewards.#Credit #card #rewards

Overview and General Information

Credit card rewardsWelcome to the new and improved Credit Card Goodies web site, now located at www.creditcardgoodies.com. Comments and questions on the new site are welcome and appreciated (both good and bad – but we can’t please all the people all of the time!)

Many publications and web pages (e.g. BankRate, Money Magazine, Ram Research, Consumer Reports) attempt to list the “best credit card deals” or publish lists of low-rate cards. Too few of these reports address the segment that I belong to – people who pay off their balances every month. Hence, I threw together these pages dedicated to finding the best possible deal for people like me. I’ve added pages in the Card Directory for other segments in addition to the cash rewards. You might want to browse there first, then you may wish to visit other sites directed at your segments rather than this page. If you carry a balance, the first thing you need to worry about is getting the lowest possible interest rate available.

Many people have asked about balance transfers and convenience checks. While these also apply to people like me, it’s not part of the core of this page. I’ll post notes about these programs in the grapevine but you won’t find any definitive list of these programs anywhere on this site.

I don’t claim to be the world’s expert on credit cards – all I claim is that I’ve been there and want to make the most use of the credit cards I choose to use. If you are looking for “official” advice, I’d suggest you go to the folks at BankRate, or even Money Magazine.

The best source of the latest information is available in the grapevine, a forum that will allow both anonymous and registered postings, but will allow for a better structure of the grapevine, and allow a free-er, more open discussion than I have provided in the past. Take a look and let the comments fly!

I’ve also added an card directory that gives a list of cards broken down by various categories (sorted alphabetically). Hopefully you can look through the quick summaries and find the card that is right for you.

Most of the basic advice on this front page was written by me and describes my opinion on the Rebate Card game. There is analysis that was provided by others, and I will always post the source of something if the author allows me to mention him/her by name. The most fun section of this site tends to be the grapevine. This is where you will usually find the latest and greatest deals lurking around. usually provided as a hot tip by a reader!

Finally, if you have information that you’d be willing to share, all it takes is a simple e-mail message to grapevine_email[at]creditcardgoodies[dot]com and I’ll post the information anonymously!





Credit Card Offers, Online Credit Card Applications, Apply for a Credit Card, credit card rewards.#Credit #card #rewards

CHOOSING CREDIT CARD MADE SIMPLE

CreditCardFlyers.com simplifies the credit card selection process and makes it as effortless and as accurate as possible. We’ve studied credit card offers currently available and arranged them in a manner which is easy to understand. All cards we offer are categorized under specific headings. If you already know what you are looking for, click on the appropriate heading to be directed to the credit card offers. If you aren’t quite sure what kind of card you’d like to apply for, use our Card Match Tool.

Credit card rewards Credit card rewards Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

that fits your life

Compare cards from major banks:

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

WHAT’S NEW?

It seems that there’s another credit card being issued every day, and the latest one from IBC Bank and First Bankcard is offering both business and consumer credit cards with a whole suite of rewards. The Complete.

Credit card rewards

Credit card rewards

GET PERSONAL FINANCIAL CONSULTATION FROM OUR EXPERTS

At CreditCardFlyers.com we answer customer questions about credit cards, banks, credit history, etc. Our experts have experience in many different areas of credits. They are passionate about sharing their knowledge about the world of credit and how credit cards can be used as a tool to save money. They are eager to answer your questions and help you find the best credit cards.

Credit card rewards

YOUR QUESTION ONLINE

PERSONAL ANSWER BY EMAIL

to discuss your questions

*See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by CreditCardFlyers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The CreditCardFlyers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardFlyers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the CreditCardFlyers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.

This website may be compensated by the credit card issuers when people apply for a credit card using the links on this website. We strive to maintain the information accurate on the website. However, the credit card information is subject to change. Therefore, we recommend you to click the “Apply Now” button to review the up to date credit card’s terms and conditions.





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, rewards credit cards.#Rewards #credit #cards

Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

Rewards credit cards

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Credit Cards – Compare Best Card Offers & Apply Online, Bankrate, rewards credit cards.#Rewards #credit #cards

Compare partner credit card offers from our most

Cash Back

Balance Transfer

Business Card

Cards for Bad Credit

Rewards credit cards

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.

One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.

“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”

You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”





Credit Card Offers, Online Credit Card Applications, Apply for a Credit Card, credit card rewards.#Credit #card #rewards

CHOOSING CREDIT CARD MADE SIMPLE

CreditCardFlyers.com simplifies the credit card selection process and makes it as effortless and as accurate as possible. We’ve studied credit card offers currently available and arranged them in a manner which is easy to understand. All cards we offer are categorized under specific headings. If you already know what you are looking for, click on the appropriate heading to be directed to the credit card offers. If you aren’t quite sure what kind of card you’d like to apply for, use our Card Match Tool.

Credit card rewards Credit card rewards Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

Credit card rewardsCredit card rewards

Credit card rewards

that fits your life

Compare cards from major banks:

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

Credit card rewards

WHAT’S NEW?

It seems that there’s another credit card being issued every day, and the latest one from IBC Bank and First Bankcard is offering both business and consumer credit cards with a whole suite of rewards. The Complete.

Credit card rewards

Credit card rewards

GET PERSONAL FINANCIAL CONSULTATION FROM OUR EXPERTS

At CreditCardFlyers.com we answer customer questions about credit cards, banks, credit history, etc. Our experts have experience in many different areas of credits. They are passionate about sharing their knowledge about the world of credit and how credit cards can be used as a tool to save money. They are eager to answer your questions and help you find the best credit cards.

Credit card rewards

YOUR QUESTION ONLINE

PERSONAL ANSWER BY EMAIL

to discuss your questions

*See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by CreditCardFlyers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

* The CreditCardFlyers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardFlyers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the CreditCardFlyers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card’s issuing bank for terms & conditions.

This website may be compensated by the credit card issuers when people apply for a credit card using the links on this website. We strive to maintain the information accurate on the website. However, the credit card information is subject to change. Therefore, we recommend you to click the “Apply Now” button to review the up to date credit card’s terms and conditions.





Types of Credit Cards – Regular, Rewards, Secured, Premium, & Retailer Cards #top #ten #credit #cards

#types of credit cards
#

Types of Credit Cards

Many credit card companies offer several different types of cards, ranging from a general credit card to those associated with a particular merchandise retailer. The type of credit card you get can depend on your current credit rating, and what you are looking for in a card. There are many types offered here at Gettingacreditcard.com, including regular cards, cards with rewards programs, secured credit cards, premium cards, and retailer credit cards.

Regular Credit Cards

Regular credit cards are the most typical credit cards, and what many people think of when they consider a credit card. These basic cards have a generally low APR, and are unsecured cards. These have a low to medium credit limit, and consist of a few different types, such as balance transfer cards . low interest cards . and student credit cards .

Cards With Rewards Programs

Cards with rewards programs are becoming very popular with people. The idea of getting something back for using the credit card and paying the bills on time seemed to have made credit cards with rewards programs some of the most used and asked for cards today. Some of the most typical rewards programs that are used with credit cards today include:

  • Airline miles – Card users gain miles to use towards plane tickets when they use their credit cards and pay off the balance. Sometimes the number of miles earned depends upon hitting a limit spent on the credit card.
  • Cash back – Some credit cards have cash back rewards which give the credit card users cash back for a certain amount depending on what they’ve spent and paid off on their credit card.
  • Rewards points – Other credit card companies give out a certain number of points to their customers for the amount the user spends and pays off. These points can be redeemed for a number of items offered by the credit card company.

Secured Credit Cards

Secured credit cards are credit cards meant for people with little or bad credit. These cards require collateral, generally of a prepaid amount, to ensure that the balance will be paid. If the balance isn’t paid on time, the collateral is collected for as much as the missed payment is worth. Generally the credit limit on secured credit cards is low, and collateral can come in the form of cash, jewelry, or owned property.

Premium Credit Cards

Premium credit cards are credit cards that are generally advertised as gold, silver, titanium and platinum cards. These credit cards have a higher credit limit than regular credit cards, and offer other services included with the card. Some of the extras that come with premium credit cards can include:

  • Product warranties
  • Travel insurance
  • Emergency services
  • Identity theft protection

Retailer Cards

Retailer cards are credit cards offered by merchandise retailers, generally in the store, that can be used like regular credit cards because they are affiliated with a credit card company such as Visa or Master Card. These cards can offer special rewards, but unlike rewards cards, retailer cards generally offer specials only in the stores that they are affiliated with, such as a percentage off purchases or free products after a certain amount of money is spent and repaid.

Of all the types of credit cards out there, make sure that you read the fine print carefully so that you know exactly what you are getting. You don’t want to be surprised with the amount of fees you have to pay or the interest rate, whether you have a regular card, a rewards card, a secured card, a premium card, or a retailer card.





The Best Student Credit Card Rewards and Offers #ford #credit #payment

#student credit card
#

The Best Student Credit Card Rewards and Offers

The Best Credit Cards For College Students and Graduates To Learn Credit Responsibility

If you are a college or graduate student, it’s important to understand that proper rewards credit card management is a trait and skill that should be developed sooner than later in life. If you are the parent of a teenage child who is currently a college student, it’s very important to teach him or her the importance of building up a good credit history while he or she is still in school, before entering the real working world where credit card mistakes and shortcomings are more brutal. The FICO credit score is heavily dependent on the length and quality of each person’s long term credit history, so it’s in the student’s best interest to develop good credit usage habits and responsible management skills early on. Avoiding credit altogether out of fear or mistrust of credit cards is a misguided approach in my opinion. How else will a student develop the financial management skills he or she will need to succeed in this technologically and financially driven world?

Knowledge and Education Is Power, So If You Are A Parent, Be Sure To Teach Your Student Or Teen Financial Responsibility Early and Often

Many parents today are afraid of giving their college age teen the huge financial responsibility of using a credit card. But shielding them away from this altogether may hurt them in the future due to their lack of exposure to basic finance skills and their lack of credit history. They may be at a disadvantage if and when they choose to purchase a home or a car on their own. Of course not all credit cards are suitable for students, teens, and credit novices, but with the right student credit card, it can be an invaluable financial teaching tool. Here are some ways and ideas to help your college age child or teenage student better understand the financial basics of using a student credit card:

  1. Keep the initial credit limit under $500 – It’s best not to give the student too high of a credit limit initially to discourage overeager spending or purchases beyond their means or needs.
  2. Teach them to make timely online payments – This is the internet age we are in so students need to know how to timely pay off their credit card balance online. Setting up automatic debit payments is a convenient option as well.
  3. Set rules on what they can use the credit card for – Students need to learn to discern what they should buy and what they should not. They need to know the rules of responsible spending.
  4. Make sure they know that they must pay off the balance in full each month – New credit card holders may initially have statement shock, having no experience at knowing how high their accumulated monthly statement balance may be each month. The student needs to learn how to mentally keep tracking of his or her spending and know the importance of paying the statement balance off regularly.
  5. Teach and explain credit terms such as finance charges, fees, annual percentage rates, and grace periods.
  6. Show the student how to track their cash back earned and reward points so they learn the benefits of reward credit cards and understand why responsible use can help one maximize overall financial potential. The key phrase here is “responsible use”.

Most of the uniquely designed student credit cards out there may be advertised and promoted as for college students only, but usually any type of student can qualify for them, including those attending graduate school. Frequently, the card application will request some form of student status identification, such as a copy of your tuition bill, student ID card, or simply a signed affirmation that you are indeed a student.

The ideal college and graduate student credit card will contain No Annual Fee, a 0% Annual Percentage Yield (APY) introductory purchase or balance transfer period to offer the student a trial usage period, and cash back rewards or other usage incentives to teach them the benefits and rewarding aspects of responsible credit card use. Pursuant to these characteristics, none of the following suggested student credit card offers below have minimum income or co-signer requirements either – ideal for college students or recent graduates who usually have minimal income information to offer anyway. Of course, make sure you can afford what you buy with your newly applied for credit cards. Be smart, pay off your monthly balances, and don’t fall into the trap of unpaid credit card debt.

This entry was posted on 12/9/07 (Modified on 3/20/14) and is filed under Credit Cards. Deals and Offers. Financial Planning. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response .





The Best Credit Card Offers with Rewards #credit #card #loans

#free credit cards
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The Best Credit Card Offers with Rewards

Credit cards don’t have to force you into debt. In fact, if you use them the right way, credit card rewards can actually earn you money. Over the years, I’ve tweaked my spending so I use credit cards to pay for everything. That way, I rack up a frequent flyer bonus, a cash back rebate, or special perks with every purchase. I like to review what’s in my wallet from time to time, replacing cards I don’t use that often with new accounts that offer special signup bonuses.

While I still carry a few wads of emergency cash around, it’s easier than ever to run most everyday purchases on rewards credit cards. Check some of these out from our partners:

Here is one of the credit cards I carry around and actively use:

Capital One Venture Rewards Credit Card Another great miles-based reward program, Capital One’s Venture Rewards Credit Card lets you earn 2X miles on every purchase. They’re the bank’s own “miles,” so they don’t expire and you can transfer them to just about any airline. The card has an intro $0 annual fee for the first year then it costs $59 per year, but you can easily make that back in travel rewards if you plan your purchasing right. A “VentureOne” version of this credit card, Capital One VentureOne Rewards Credit Card, carries no annual fee, but you’ll only earn 1.25 miles on every purchase.

These cards also offer some strong rewards and perks for spenders who like saving money.

BankAmericard Cash RewardS & Trade; Credit Card Bank of America wants to treat you to a $100 statement credit after you spend at least $500 on purchases with this card in the first 90 days of account opening. With no annual fee and a 0% introductory APR for your first twelve billing cycles for purchases and balance transfers made within sixty days of account opening.

BankAmericard Travel Rewards Credit Card Earn 1.5 points per $1 on every purchase with no annual fee. Online exclusive you can earn 10,000 bonus points if you make at least $500 in purchases with this card in the first 90 days, which can be redeemed for $100 towards travel purchases.

Chase Sapphire Preferred Card The TV ads might be cheesy, but you really can earn tons of points that you can exchange for almost anything.

Chase Freedom You can earn 5 percent cash back on up to $1,500 in combined purchases in categories that change every quarter when you sign up and activate your bonus each quarter.

Starwood Preferred Guest Credit Card from American Express This American Express card once set the standard for rewards programs. It stayed in my wallet so long, the numbers nearly wore off. The program’s still strong, just trumped by this year’s incredible bonus offers from competitors.

Remember that banks only make money on these programs when you spend a lot on your card and pay off your balance nearly every month. That’s why they’re available to folks with good or excellent credit. If you’re in doubt about whether to apply, see if your current bank or credit card issuer gives you access to free FICO score reporting (many now do).

This entry was posted on 4/4/08 (Modified on 1/4/15) and is filed under Credit Cards. Deals and Offers. Make Money. Shopping. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response .





Key2More Rewards MasterCard #online #credit #check

#mastercard credit cards
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Key2More Rewards MasterCard Credit Card

Key2More Rewards MasterCard Credit Card Details

  • No annual fee
  • 0% Introductory APR 1 for six billing cycles on all purchases, and all balance transfers (made within 60 days of account opening). After that, a variable APR of 11.99%–21.99% applies, based on credit worthiness †
  • Earn five (5) KeyBank Relationship Rewards ® points for every $1 in eligible purchases* with no monthly maximum
  • Monthly reward point bonus of up to 50% of total purchase transaction points earned in a calendar month
  • Zero Liability fraud protection 2
  • Price protection on qualifying purchases
  • Lost/Stolen Reporting available 24/7
  • Earn up to 10,000 KeyBank Relationship Rewards  points for opening a new Key2More Rewards MasterCard ® Credit Card* and expanding your relationship with KeyBank.

1 The 0% introductory APR does not apply to cash advances and is valid for the first 6 billing cycles on purchases and balance transfers. Thereafter, the APR may vary and as of January 2014, the undiscounted variable APR for Purchases and Balance Transfers is 11.99%–21.99% (depending on your credit history). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 4%, $10 minimum, Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. There is a $ .50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. Dollars.

2 Issuer provides zero fraud liability for unauthorized transactions. Cardholder must notify issuer promptly of any unauthorized use. Certain conditions and limitations may apply.

* Eligible purchases do not include cash advances of any type, balance transfers, overdraft protection transfers, or credits. See the KeyBank Rewards Program Terms and Conditions for full details. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and may be found at key.com/rewards .To qualify for Reward Points for opening a credit card, you must make at least 5 eligible purchases within 60 days of account opening and have a KeyBank checking account open and in good standing. You do not need to enroll your checking account in the Relationship Rewards program to earn these Reward Points. If you choose to enroll your KeyBank checking account in Relationship Rewards, there may be an annual fee based on the type of checking account you have. All other Product Points require a checking account enrolled in KeyBank Relationship Rewards prior to product opening.

Monthly bonus points are awarded per credit card account based on the aggregated amount spent per month by all signers linked to the credit card account. Bonus points for $2,000 or more are awarded as an additional 25% bonus to add up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month.

The creditor and issuer of this credit card is KeyBank N.A. pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.

All credit products are subject to credit approval.





Ace Rewards – Visa – Credit Card #credit #score #free #no #credit #card

#sears credit card login
#

It s easy to earn Ace Rewards.

The must-have card to earn rewards faster! Earn points everywhere Visa is accepted, and quickly earn rewards

to spend at Ace.

Ace Rewards Visa Credit Card Benefits

For every $1 of net purchases, 1 you’ll earn:

Credit Card Resources

We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Ace Rewards points are earned as a percentage of net purchases (purchases minus credits and returns). For every $1 of net purchases, Cardmembers earn up to 10% (up to 50 points) in popular categories, up to 5% (up to 25 points) at Ace, 2% (10 points) for gas and groceries, and 1% (5 points) everywhere else Visa is accepted. For every 12,500 Ace Rewards points earned, Cardmembers receive a $25 Ace Reward redeemable at participating Ace Hardware stores. Additional terms and conditions apply. Please see acerewardsvisa.com for full program details.

Earn 10% in Ace Rewards points for each net $1 spent when you use your Ace Rewards Visa Card on category purchases up to the purchase dollar amount cap specified for the category. The 10% in Ace Rewards points is calculated as follows: for every net $1 spent on a category purchase, you will earn 1% in Ace Rewards points (5 pts/$1) and an additional 9% in bonus Ace Rewards points (45 pts/$1). Bonus points will be awarded within 6 weeks after the conclusion of each offer. Category purchases in excess of the specified cap will earn Ace Rewards points at the 1% (5 pts/$1) rate for each net $1 spent. To participate, you must be an Ace Rewards Visa Cardmember in good standing (account open for at least 40 days and not over-the-credit limit or past due on the closing date for the billing cycle) and sign up at acerewardsvisa.com for each quarterly bonus offer before the end date for each promotion. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.

Customers who are approved for the Ace Rewards Visa Card will be automatically enrolled in the Ace Rewards Loyalty program, if they are not already Ace Rewards Loyalty program members. The 5% in Ace Rewards points (25 pts/$1) is calculated based on the 3% (15 pts/$1) earned for every net $1 spent at participating Ace stores plus an additional 2% (10 pts/$1) in Bonus Rewards points on Ace store purchases when you reach a minimum spend of $12,000 anywhere Visa is accepted in a calendar year. The 2% Bonus Rewards points will be awarded in a lump sum on the Cardmember s Ace Rewards Visa periodic statement during the subsequent first quarter of each calendar year.

U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.

Some limitations, restrictions and exclusions apply. Visit visa.com for more details. Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders behalf.

The Signature Card provides the benefit of a No Pre-Set Spending Limit and a Revolve Limit that allows the cardholder to carry a designated part of their balance from one statement to the next. A No Pre-Set Spending Limit does not mean unlimited spending. Authorizations are provided using information such as account history, credit record, income verification and liquid assets. Please refer to visa.com/signature for program details.

Certain terms, conditions and exclusions apply. Please refer to your Visa Guide to Benefits for further details.

U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.





Chart: Compare and find the best gasoline rewards card for you #barclays #credit #cards

#credit card comparison chart
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Chart: Compare and find the best gasoline rewards card for you

By Erin Peterson

For most people, the only difference between the gas they buy at the station down the street and the one that’s all the way across town is the price. Because gas is a commodity, retailers work hard to inspire long-term loyalty through perks and rewards.

Gas rewards cards are one way that companies seek to win you over — but not all cards are created equal. Some don’t offer a single reward, while others pile on hefty discounts, rebates, and special deals. Store cards are often the easiest credit cards to get, while co-branded cards (the result of partnerships between retailers and networks such as Visa and MasterCard) often offer better interest rates and rewards than their store card counterparts. Some of the cards hit you with a generous flurry of rewards at first, then choke the generosity down to a trickle.

Which is best for you? That will depend on a combination of factors, including where you drive, whether you tend to carry a balance and the size and nature of the rewards themselves. To find a great card, fill up on the information below — and then fill up your tank.





Credit One Bank® Cash Back Rewards Review. #no #credit #check #car #finance

#credit card for people with bad credit
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Credit One Bank® Cash Back Rewards

Credit One Bank® Cash Back Rewards Summary

Choose your card design from our premium gallery

Creditnet’s Full Review

The Credit One Bank® Cash Back Rewards  is one of the only unsecured credit cards on the market for people with bad credit, and with a rewards program (1% cash back on gas). Use the card wisely, and you can improve your credit without having to make a security deposit with the credit issuer. If you’re worried about the effects a denial could possibly have on your credit score, take less than a minute on Credit One’s website to see if you’re pre-qualified (your credit won’t be hurt by the pre-qualification process). Just a little personal information will be enough to see the credit card offers available to you; you’ll only be applying for those cards for which you pre-qualify!

Here are more important details about the Credit One Bank® Cash Back Rewards :

Responsible use of this card can help improve your credit. Your usage and payment history will be reported to all the major credit bureaus on a monthly basis, so responsible use of this card will have a positive effect on your credit.

It’s a Visa Platinum card. Use this card around the world wherever Visa is accepted and enjoy platinum-level benefits such as travel accident insurance and car rental insurance.

Automatic reviews to increase your credit line. If your initial limit is lower than $1,500, don’t worry because your account will be reviewed often for credit line increases, and if you make your first 6 payments on time, you can get a credit line increase

You’re not held liable for fraudulent charges. If someone uses your card without your permission, you’re not responsible for paying any of those fraudulent charges. Simply call Credit One and let them know of the fraudulent activity and those charges will be taken off your statement immediately.

No enrollment fees. You may be used to paying enrollment or signup fees for other bad credit credit cards. but Credit One doesn’t charge you anything to enroll.

No over limit fees. Part of responsible use of credit is staying within your credit limit, but if you happen to make a mistake and charge above your limit, you won’t be charged any over the limit fees.

Choose your own card design. Credit One has a premium gallery of designs for you to choose from so your card is as creative or distinguished as you want it to be.

Annual fee. The annual fee is $35-99.





Your credit score and credit card rewards: 10 tips #true #credit

#free credit card score
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Your credit score and credit card rewards: 10 tips

Published on April 7th, 2013

I often get asked about the impact on one’s credit score of churning or signing up for multiple rewards credit cards, especially by those new to earning a million or more frequent flyer miles and points via credit cards. It’s definitely important to protect your credit score, and no one should sign up for a slew of new credit cards without taking the time to understand how your credit score works and whether you should be applying for new credit cards at all.

1. Only sign up for new credit cards if:

  • You don’t have any credit card or other high-interest debt
  • You always pay your credit card bill off in full every statement
  • You have a steady income
  • You don’t plan to apply for a mortgage, refinancing, student loan or other major loan within the next year or so
  • You aren’t tempted to spend more by having more credit cards

If you do have any credit card or other high-interest debt, paying that off is far more important than earning miles, points, or any other kind of credit card reward. You also shouldn’t apply for a number of new credit cards if you plan to get a mortgage. refinancing or other major loan in the next year or so, because you want to ensure you’re offered the best possible interest rate.

2. Have a FICO credit score range 720 or above

FICO scores from the three credit bureaus (Equifax, Experian and Transunion) range from 300 to 850. You’ll need a credit score of at least 710 to apply for rewards credit cards, and preferably 720 or higher.

3. Get a free copy of your credit report

You’re entitled to a free copy of your credit report every year, which you should check to ensure there are no inaccuracies. If there are, you should dispute them, since they’re likely negatively impacting your score and your ability to not only be approved for the best travel rewards credit cards but also being able to secure the best possible interest rate for loans.

4. Know the difference between FAKO and FICO

Unfortunately, there are a lot of places offering to sell you your credit score that are completely worthless, because the score they’re providing isn’t the one that’s actually being used when determining whether to approve you for a new credit card or loan. These fake credit scores have been nicknamed “FAKO.” Even the credit bureaus themselves sell FAKO, so as not to have to pay to FICO to provide your actual FICO score. See more about this at Credit Score: FICO or FAKO?

5. Understand the factors influencing your credit score

Your FICO credit score is determined by these factors:

  • 35 percent is payment history: If you always pay on time, don’t carry any credit card balances and have no delinquent accounts, bankruptcies or similar against you, you’re fine. But make sure you continue to monitor your credit report to guard against inaccuracies.
  • 30 percent is credit utilization: This factor looks at the percentage of your credit line that you’re using. So, for example, if you have a $10,000 credit line on a card, you don’t want to maxing it out every month; in fact, you should ideally only be using a small percentage (under 10 percent) of your credit line. If you have a major purchase, pay it off immediately rather than waiting until the payment due date.
  • 15 percent is length of credit history: Just as the description implies, this factor measures your average age of accounts.
  • 10 percent is types of credit used: This factor looks at the various types of credit you use, such as home mortgage payments, car payments and credit card payments. It also helps explain why, frustratingly, some folks who rent yet own their own car and have never missed a credit card payment can have a lower credit score than a much more indebted homeowner with a leased car who is nevertheless making payments in full and on time.
  • 10 percent is new credit: This factor accounts for the hard pulls or inquiries that result from applying for new credit, such as a mortgage, car loan, student loan, and new credit cards. Each new hard pull does knock a few points off your score, although in most cases your score recovers within 90 days to six months.

6. Keep utilization low on personal credit cards

Due to how important credit utilization is in calculating your credit score, I always recommend you keep your credit utilization as low as possible on your personal cards:

  • Pay off major purchases right after they’re incurred, even before your statement close.
  • If you incur business expenses, ensure they go on a business credit card or charge card. Business credit card utilization is NOT reported to the credit bureaus.

7. Apply for new credit cards on the same day, as close in time as possible

The reason most serious credit card churners apply for multiple credit cards simultaneously, or as close in time as possible on the same day, is two-fold:

  • By not applying for any credit cards for a few months you can avoid being rejected for “too many recent credit inquiries.”
  • If you’re applying for two or three personal cards from the same bank, your hard pulls may be merged into one, reducing the impact on your credit score.

8. Don’t close your oldest credit cards

As mentioned above, credit history accounts for about 10 percent of your FICO score calculation. That’s why you want to always keep at least one or two credit cards that you never close. Make sure they’re no annual fee cards, and preferably a no annual fee card that still earns rewards.

9. Avoid closing a credit card without first transferring the credit line to another open card

Be careful when closing credit cards that you don’t lose the credit line. Opening new credit cards can actually help your credit score over the long term if it increases your total amount of credit relative to your utilization. So, when you do decide to close a credit card, ask the representative to transfer the credit line to one of your other credit cards from the same bank.

10. Stop applying for new credit cards about one year before applying for a mortgage or major loan

As I mentioned in the first tip, it’s key to not let lucrative credit card rewards blind you to the importance of securing the lowest possible interest rate for a mortgage or other major loan. Stop applying for new credit cards about one year before you apply for a major loan, continue to always pay your balance off in full every statement, and aim to keep your credit utilization at 10 percent or lower for all your personal credit cards.

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank. Ally Bank. GE Capital Bank. and more.

Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company.





2015 Best Rewards Credit Cards Offers and Promotions #guaranteed #credit #card #approval

#credit card offers
#

Best Rewards Credit Cards Offers Online

Follow Our Guide On How to Find the Best Rewards Credit Card for You

Many credit cards are available with special reward programs and if you can find the perfect one for your needs and lifestyle, you can really score. The smartest way to begin your search is with some basic knowledge and an Internet connection.

Don t just look for an amazing rewards card, look for one that is amazing for you personally. Each offer is designed to entice, and if you don t have specific rewards in mind, you could end up joining a program that doesn t really pay off for you. Understand exactly what type of incentives will complement your existing shopping habits and

look for the most from these perks :

  • Enrollment bonus: Instantly gain thousands of points just for signing up.
  • Annual bonus: Often a percentage of the year s bonus points.
  • Redeemable points: Enjoy spending them on food, flights, hotels and more.
  • First three months bonus: Receive mega-points if you spend a minimum amount.
  • Paper-less rewards: Be rewarded for your environmentally friendly habits.

If you typically charge in excess of $1,000 per month, look into how a tiered card could work in your favor. If you normally spend less than that, find a flat percentage cash back deal. Never forget that no matter how appealing any rewards card is, you have to spend money to earn the rewards. Base your prospecting more on how the rewards card will suit your usual buying, rather than how you can adapt your buying to fit the card.

Look online for a rewards card that doesn t impose an annual fee, unless you are in the habit of spending a significant amount of money with your card. In which case, the annual fee may be a good trade-off for the overall rewards you receive. Although most consumers seek out the no-fee options, depending on your circumstances, you could actually come out ahead with one.

Examine the rewards categories closely to determine your likely savings with a card, or to see if a flat percentage across all categories would yield more savings. For example, earning a lot of points or rewards with a specific card may take more time than it s worth for you or be applied to items you wouldn t be excited to buy. On the other hand, saving with a flat percentage in all categories could yield fast and useful rewards.

The best reward cards complement your financial habits, so that you benefit from what you re already doing with your money. Look far and wide for a card that speaks to you personally and makes you a very savvy credit card user.

Top New Credit Card Promotions for 2016





Compare the Best Travel Rewards Credit Cards & Apply Online at KANETIX #credit #score #estimator

#travel credit card
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Credit Cards based on your choice

Card Comparison Other

Credit Cards

Democracy for your dollar

with Travel Credit Cards

Compare Travel Credit cards

Find the best travel credit cards in Canada with the Kanetix Credit Card Comparison Service. Easily compare credit cards with a variety of travel rewards that you can redeem for flights, hotels, car rentals and other travel related expenses. Apply online for a travel rewards credit card today and start taking advantage of all the great travel credit card benefits!

Why get a Travel credit card?

If you tend to do a lot traveling, a travel rewards credit card is likely the best credit card for you. With a travel card you accumulate points for using the card. These points can be redeemed for travel related expenses which often include hotels and car rentals in addition to flights. Many of these cards have bonus points that you automatically get once approved for the card. Air miles and aeroplan miles are the most popular rewards programs however there are many other great options. The more you use the card the more rewards you accumulate. Some travel cards even have no cap on the number of rewards you’re able to accumulate, so, if you use your card frequently, you could even travel for free on occasion. (Some cards even offer certain kinds of travel insurance )

Travel rewards credit cards Canada

The one credit card a frequent traveler can get the biggest bang for their buck is definitely a travel credit card. Browse our wide selection of travel rewards credit cards and carefully read all the relevant information to ensure you’re choosing the best possible card for your needs. In addition to the rewards program you should also consider the interest rate which can be a big factor if you tend to carry a large credit card balance. Also decide on the credit card limit you’d like to apply for. Apply for the card through our site by submitting an application directly to the card provider. You will be notified of the approval directly by the company.

Please note that for many travel credit cards a good credit history is required. If in doubt about your credit history, you can check your credit report to find out your credit score (You can estimate your credit score with our free credit score calculator ) If you don’t have a sufficient credit history, another option such as a secured credit card may be more appropriate.

When choosing a travel rewards card make sure you understand how the reward points work and what they can be redeemed for. While it’s often difficult to value points in terms of cash, it’s important to try to understand the difference between different reward points when comparing different cards. The more informed you are, the higher is the likelihood that you will choose the best possible travel credit card for you!

Visit the credit card information section of our website to browse additional articles about credit cards, like: The ABCs of credit cards. and if you come across a term you don’t understand, you can look up the word definition in our credit card glossary .

Compare travel credit cards online and view all of our great credit card offers today at KANETIX.ca!

Need a credit card that will reward you for your spending? If so, a travel credit card is the way to go. This type of rewards credit card earns you points for your spending which you can redeem for travel related expenses. We have all the travel credit cards to meet your needs – air miles credit cards, aeroplan miles credit cards and other types of rewards cards. AMEX rewards, Visa rewards and MasterCard rewards are available from credit card companies such as American Express, Scotiabank and MBNA.

Note: All credit card content displayed on KANETIX.ca is for informational purposes only, to help our visitors make an informed decision when choosing and applying for the best Canadian credit card to meet their needs. All information is provided to KANETIX by credit card issuers and displayed on an as-is basis. Although great care is taken to provide precise information to our visitors, KANETIX.ca makes no representations as to accuracy, completeness, suitability, or validity of any information on this credit card site and will not be liable for any errors, omissions, delays in this information or damages arising from its display or use.

Other Credit Cards & resources









Points Rewards Cards #bad #credit #rating

#rewards credit cards
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Points Rewards Cards

A credit card with rewards offers the cardholder rebates, air miles, gift cards, or even merchandise for using their card for purchases. These cards can reward users in one particular retail category, such as restaurants, or across all categories. The following are our most popular reward credit cards offered by our partners:

UnitedStatesCredit.com – Personal Loans $100 – $35,000

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*DISCLAIMER: Creditcards.org strives to keep its information up to date and accurate. This information might deviate from what you see when you visit a financial institution, service provider or specific product’s site. All products and services are presented without warranty, and we encourage you to view the online services for further details about terms and conditions. When you click on the “Apply Now” button, you can review the terms and conditions on the issuer’s official website.

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through Affiliate Programs for referrals.





Best Travel Rewards Credit Cards for Your Credit Score #boa #credit #card

#travel credit card
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Capital One® Spark® Miles Select for Business

About Travel Rewards Credit Cards

If you are a frequent traveler it might make good sense to apply for a travel rewards card. With a travel rewards credit card, you earn points based on the money you spend on your card. These points might come in the form of frequent flyer miles, or might be redeemable for travel-related expenses such as baggage fees. Travel rewards cards often also come with perks like priority boarding, no blackout dates, or free bag check. These types of cards come in a few varieties, which make them appealing both to people with airline brand loyalty as well as to those who appreciate the flexibility of being able to fly on whichever airline offers the cheapest fare.

Those with loyalty to a specific airline like Delta, American Airlines, United, Southwest, or Virgin, will enjoy earning frequent flyer miles on their daily purchases, as well as the reduced baggage fees and priority boarding that some of these carriers offer their card holders. Travelers craving more flexibility with their points can find a card that awards them points which can be used on any airline.

It is important to note that many travel rewards cards come with annual fees after the first year, so you should weigh the benefits of having a travel rewards card against the fees associated with it. For example, if you fly often with checked bags and your travel rewards card grants you free bag check, it might be savvy to pay the credit card fee rather than repeatedly paying the exorbitant baggage fees charged by most airlines these days .

Keep in mind that many travel rewards cards charge a higher APR than non-rewards cards, something to note if you plan on carrying a balance. If you plan on using the card for a big purchase that will take a while to repay, you would be better off with a card that charges a low or zero percent intro APR .

Advertising Disclosure

Money Under 30 is an advertising-supported website. Many of the card offers on this site are from companies from which Money Under 30 receives compensation, and we do not display all of the cards that may be available in the marketplace. Offers are listed either randomly or in order of popularity among our readers — we do not prioritize offers based on potential compensation. This advertising model helps keep our content free, and if you choose to support us in this way, thanks! Back To Top









Which Travel Credit Cards Have the Best Rewards? #credit #report #united

#which credit card is best
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Which Travel Credit Cards Have the Best Rewards?

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Gearing up for your summer travel plans and looking forward to racking up the rewards on your credit card? Depending on which credit card you use, you could get some serious value for your travel. From double points for every dollar you spend on the card to $400 cash intro bonuses to two free flights, travel cards are going all out these days to attract new customers. So which travel credit card has the best rewards? We did a little research to help you out.

How Did We Test the Cards?

We researched the real-world dollar value of each card’s travel reward program by seeing how much it cost to book actual hotels and flights at different times of year. Then those dollar values were compared to the number of points it took to book those same hotels and flights.

The same dates and locations were used for all the cards, and bookings were made during both the “high” summer season and “low” fall season. When possible, the identical hotels and flights were booked to further even the playing field. The final reward value was based on the actual dollar value a user would receive in rewards after a $100 credit card spend. Separate reward values were given for both hotel stays and flights.

To calculate the actual reward card value, we employed a basic formula. First we took the dollar value of the reward and divided it by the number of points required to purchase that reward.

Point Value = Reward Price / Number of Points Required to Purchase

Then we assumed a spend of $100, with 5% ($5) spent on high point rewards like hotel stays and flights. The remaining 95% ($95) was allocated to standard point earning spends.

Value per $100 Spent = (High Point Earn * $5 * Point Value) + (Standard Point Earn * $95 * Point Value)

If you want to know more, you can check out the full travel rewards card analysis.

Which Credit Cards Are the Best?

What does all that math mean? It basically means that we figured out which cards offer the best rewards when it comes to real-world dollar value. Here are the cards that were the best:

#1. Barclay Arrival World Mastercard: This card earns top status mainly for its $2 in flight or hotel value you earn for every $100 spent. But the reward that catches many people’s attention is the intro bonus. Cardholders earn 40,000 bonus miles after spending $1,000 in the first 3 months of card membership, equal to an eye-popping $400 that you can spend on travel or even as a statement credit for any purchase you might make. When it comes to ongoing earnings, you earn 2 points per dollar spent on every purchase with no limits. To use rewards, cardholders can redeem points for a straightforward statement credit. As an added bonus, if the credit is used to pay for a travel purchase, users earn an additional 10% in points. This means if you spend 10,000 in points on travel you’ll get a 1,000 point bonus deposited to your rewards bank — a huge benefit we have not seen with any other rewards card.

#2. Capital One Venture Rewards Card: Yes, this is the card from those Alec Baldwin commercials. Coming in a very close second, the Capital One Venture Rewards Card also offers a fabulous $2 flight and hotel redemption value per $100 spent. And just like the Barclay Arrival World Mastercard, cardholders can book their travel however they’d like and with any airline or hotel they prefer. However, we ranked this card second because it didn’t feature the 10% point bonus for booking travel that the Barclay Arrival World Mastercard did. Additionally, the Capital One Venture Rewards only offers a 10,000 point bonus (equal to $100), compared to the World Mastercard’s 40,000 points. You also get a very generous 2 points per dollar spent on every purchase.

#3. Starwood Preferred Guest Credit Card from American Express: With an amazing $2.61 hotel point value, Starwood Preferred Guest Credit Card from American Express featured the highest hotel redemption value of any card in our study. While their value for flight redemption was much lower at $1.35 per $100 spent, it is still higher than some airline rewards cards. Users earn a hefty 4-5 points per $1 spent at Starwood hotels and 1 point per $1 spent on all other purchases. Additional perks include a 10,000 point bonus with first purchase and another 15,000 point bonus after spending $5,000 in the first 6 months.

#4. BankAmericard Travel Rewards: BankAmericard Travel Rewards credit card features a $1.50 travel value on both flights and hotels for every $100 spent. Cardholders who have another qualifying account with BofA will especially appreciate this card, as they will earn an extra 10% annual points bonus on their total yearly purchases. In addition, all cardholders will earn 10,000 bonus points after spending $500 in purchases in the first 90 days. Redeeming points is easy — users need only to use their card to pay for their travel and their points are used as a statement credit towards their travel purchases. They can book their travel anyhow and anywhere they like; whether online, over the phone, or with a travel agent. And while the reward value is not quite as high as with the top 3 finishers in our rankings, unlike those cards the BofA Travel Rewards card has no annual fee.





Visa Credit Cards – Platinum, Signature Rewards, MyRewards, Student #credit #file

#student credit cards
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Visa Credit Cards

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Additional Benefits:
  • FREE, 24/7 online access through NetBranch Online Banking
  • 24-hour telephone account access
  • FREE Personalized card design option
  • Annual purchase summary on cards with 25+ transactions a year
  • Visa shopping discounts and retail offers
  • Enjoy Security and support. such as Verified by Visa, Zero Liability and travel protection

View Rates

Credit Card Balance Transfer

Balance Transfer Fees may apply during promotional periods.

Signature Rewards

Apply for the card that gives you instant access to special experiences, dozens of benefits and complimentary 24-hour Visa® Signature Concierge* service.

With an Apple FCU Visa Signature Rewards Card, you’ll enjoy the finest choice reward options for travel, merchandise, food, wine, entertainment and sports, while earning points on all your purchases.

Experience for yourself how rewarding life can be.

  • Earn 3x points on gas, 2x points on groceries and one point on all other net purchases**
  • Enjoy dozens of privileges reserved for Visa Signature cardholders, including luxury hotel benefits, complimentary concierge service*, travel offers and protections
  • Explore your world with incredible travel offers and enjoy premium benefits at a selection of some of world’s most prestigious properties when booked through the Visa Signature Luxury Hotel Collection
  • Benefit from special savings and discounts from top retailers
  • Get preferred access to popular events with an inside connection to ticket pre-sales, special stay-and-play packages and ticket discounts

Explore Your Signature Rewards Benefits

Because you deserve the best, your Visa Signature Rewards Card offers:





The Best Student Credit Card Rewards and Offers #credit #counseling #agencies

#student credit card
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The Best Student Credit Card Rewards and Offers

The Best Credit Cards For College Students and Graduates To Learn Credit Responsibility

If you are a college or graduate student, it’s important to understand that proper rewards credit card management is a trait and skill that should be developed sooner than later in life. If you are the parent of a teenage child who is currently a college student, it’s very important to teach him or her the importance of building up a good credit history while he or she is still in school, before entering the real working world where credit card mistakes and shortcomings are more brutal. The FICO credit score is heavily dependent on the length and quality of each person’s long term credit history, so it’s in the student’s best interest to develop good credit usage habits and responsible management skills early on. Avoiding credit altogether out of fear or mistrust of credit cards is a misguided approach in my opinion. How else will a student develop the financial management skills he or she will need to succeed in this technologically and financially driven world?

Knowledge and Education Is Power, So If You Are A Parent, Be Sure To Teach Your Student Or Teen Financial Responsibility Early and Often

Many parents today are afraid of giving their college age teen the huge financial responsibility of using a credit card. But shielding them away from this altogether may hurt them in the future due to their lack of exposure to basic finance skills and their lack of credit history. They may be at a disadvantage if and when they choose to purchase a home or a car on their own. Of course not all credit cards are suitable for students, teens, and credit novices, but with the right student credit card, it can be an invaluable financial teaching tool. Here are some ways and ideas to help your college age child or teenage student better understand the financial basics of using a student credit card:

  1. Keep the initial credit limit under $500 – It’s best not to give the student too high of a credit limit initially to discourage overeager spending or purchases beyond their means or needs.
  2. Teach them to make timely online payments – This is the internet age we are in so students need to know how to timely pay off their credit card balance online. Setting up automatic debit payments is a convenient option as well.
  3. Set rules on what they can use the credit card for – Students need to learn to discern what they should buy and what they should not. They need to know the rules of responsible spending.
  4. Make sure they know that they must pay off the balance in full each month – New credit card holders may initially have statement shock, having no experience at knowing how high their accumulated monthly statement balance may be each month. The student needs to learn how to mentally keep tracking of his or her spending and know the importance of paying the statement balance off regularly.
  5. Teach and explain credit terms such as finance charges, fees, annual percentage rates, and grace periods.
  6. Show the student how to track their cash back earned and reward points so they learn the benefits of reward credit cards and understand why responsible use can help one maximize overall financial potential. The key phrase here is “responsible use”.

Most of the uniquely designed student credit cards out there may be advertised and promoted as for college students only, but usually any type of student can qualify for them, including those attending graduate school. Frequently, the card application will request some form of student status identification, such as a copy of your tuition bill, student ID card, or simply a signed affirmation that you are indeed a student.

The ideal college and graduate student credit card will contain No Annual Fee, a 0% Annual Percentage Yield (APY) introductory purchase or balance transfer period to offer the student a trial usage period, and cash back rewards or other usage incentives to teach them the benefits and rewarding aspects of responsible credit card use. Pursuant to these characteristics, none of the following suggested student credit card offers below have minimum income or co-signer requirements either – ideal for college students or recent graduates who usually have minimal income information to offer anyway. Of course, make sure you can afford what you buy with your newly applied for credit cards. Be smart, pay off your monthly balances, and don’t fall into the trap of unpaid credit card debt.

This entry was posted on 12/9/07 (Modified on 3/20/14) and is filed under Credit Cards. Deals and Offers. Financial Planning. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response .





The 5 Best Business Rewards Credit Cards – US News #how #to #get #a #loan #with #no #credit

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Small business owners can trim their expenses with these expert-recommended cards.

Looking for a way to cut costs for your small business? Opting for a business rewards credit card could be a good solution.

In addition to earning rewards for everyday business expenses like travel, gas, and office supplies, business credit cards come with expense-tracking tools that make it easier to keep tabs on your company’s finances.

About 37 percent of business owners are using credit to cover some of their costs, reports the National Small Business Association. As of August 1, the average interest rate on a business rewards credit card was 15.74 percent, slightly lower than the average consumer rewards credit card rate of 17.64 percent. However, if you’re planning to get a business rewards credit card. be aware that these cards aren’t covered by the Credit CARD Act of 2009, which protects consumers from arbitrary rate increases.

That isn’t a concern if you won’t be carrying a balance from month to month, says Beverly Harzog, an independent credit-card expert and consumer advocate. Since interest rates can fluctuate substantially on these cards, you should probably only get one if you can pay off the balance each month.

Also keep in mind that the credit card company will look at your personal credit score when you apply for the card. If your FICO score is not in the 700s, you might not get the lowest rate offered, says Gerri Detweiler, director of consumer education at Credit.com.

Competition for these cards has slightly declined, says Anisha Sekar, vice president of credit and debit products at NerdWallet. a credit card comparison site. I think vendors are pulling back in the small-business realm. They aren’t working as hard to court small businesses these days, she says. It’s not exactly an ideal climate to snag that amazing sign-up bonus.

With that in mind, make sure you choose the right business rewards credit card for your company. U.S. News spoke to credit card experts for their recommendations:

Starwood Preferred Guest Business Credit Card. This card, from American Express, is a good bet if you stay at Starwood hotels, Harzog says. Starwood’s umbrella includes Sheraton, Westin, and St. Regis hotels, among others. You’ll earn four Starpoints for every stay at participating Starwood hotels and resorts, and one point for all other hotels. But the real benefit is the Starpoints you can earn after enrolling: You get 10,000 Starpoints automatically after your first purchase, and you can earn an additional 15,000 Starpoints when you spend $5,000 in the first six months. The card’s $65 annual fee is waived during the first year.

You’ll also be automatically enrolled in Amex’s OPEN savings program, which gets you discounts of 3 to 10 percent with purchases at businesses like Hertz, FedEx, and OfficeMax.

Chase Ink Cash Credit Card. Harzog likes this card’s cash-back bonus. You’ll earn $100 cash back after your first purchase, plus an additional $150 cash back after you spend $5,000 in the first three months. As for the rewards, this card is on a tier system, which can make things a little complicated. Don’t be put off by the fact that it can’t be laid out neatly on one page, Harzog says. It comes with 5 percent cash back on the first $25,000 spent annually at office-supply stores and on cellular phone. landline, Internet, and cable services. You’ll also get 2 percent cash back on the first $25,000 spent annually at gas stations and restaurants; then it’s 1 percent cash back on all other purchases. The card comes with no annual fee.

Capital One Spark Cash Credit Card. You’ll get 2 percent cash back on every purchase, which adds up. You can also earn a one-time $100 bonus if you spend $1,000 within the first three months. The card charges a $59 annual fee (waived the first year), but that expense could be worth it, says Brian Kelly, founder of ThePointsGuy.com, a credit card comparison site. If you’re spending a lot, you make up for the small annual fee by raking in higher rewards, he says.





Orbitz Rewards Visa Card #get #a #free #credit #report

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Visa Signature perks

1 6% back on every flight

Orbitz Rewards members earn 1% back in Orbucks for all flight purchases made on Orbitz when logged into their Orbitz Rewards account, and Orbitz Rewards Visa Card holders earn 5% back in Orbucks for all flight purchases on Orbitz using their Orbitz Rewards Visa card, for a total of 6% back on every flight.

2 $50 statement credit when you spend $200

$50 statement credit will be awarded within two billing cycles. $200 spent in purchases must occur within the first 90 days of account opening.

3 No annual fee, no foreign transaction fees

Standard variable APR from 15.98% to 24.99% based on Prime Rate and your creditworthiness. Balance Transfer and Cash Advance APR of 26.99%, based on Prime Rate. Minimum Interest is $2.00 per credit plan. Click here for details.

4 Orbucks earned

All qualifying Orbitz bookings using the Orbitz Rewards Visa card earn 5% back in Orbucks on the total booking cost, and all other purchases with the Orbitz Rewards Visa card earn 2% back in Orbucks per dollar spent. Orbitz Rewards members earn 3% back in eligible hotel bookings on Orbitz.com and 5% back on eligible hotel bookings on the Orbitz mobile app. Therefore, Orbitz Rewards members who use the Orbitz Rewards Visa card for an eligible hotel booking will earn a total of 8% back on Orbitz.com and 10% back on the Orbitz mobile app. Orbucks will be automatically deposited within two billing cycles.

Orbitz Rewards Dining members are eligible to earn Orbucks at a rate of 5% in Orbucks per dollar spent on qualified dines.

5 Orbitz Rewards Dining Automatic Enrollment

By becoming an Orbitz Rewards Visa Cardholder, you are automatically enrolled in a dining rewards program operated by Rewards Network, which allows you to earn bonus Orbucks for purchases made at certain qualifying restaurants, bars, and nightclubs (the Dining Program ). The Dining Program is subject to Rewards Network s terms and conditions and privacy policy, available at www.orbitzrewardsdining.com/privacy.htm. which are hereby incorporated into your Orbitz Rewards Visa Card Terms and Conditions. You agree to receive all communications related to the Dining Program electronically, including marketing or promotional material. Opting out of marketing materials from the Program will not unsubscribe you from marketing materials related to the Dining Program. For more information, please visit www.orbitzrewardsdining.com/terms.htm. Qualified dines paid using the Orbitz Rewards Visa also qualify for 2% back in Orbucks per dollar spent, resulting in a total 7% back in Orbucks.

6 Orbitz Rewards

The Orbitz Rewards Program is provided by Orbitz, which is solely responsible for the program’s operation. Orbitz may change the terms of the program at any time without notice. By applying for the Orbitz Rewards Visa Card, you agree to the terms and conditions . Please view our frequently asked questions for more information. Gold status maintained as long as you make a purchase on the card every 12 months. The Orbitz Rewards TM Visa Card and Orbitz Rewards Visa Signature Card are issued by Comenity Capital Bank, pursuant to a license from Visa U.S.A. Inc. Orbitz Rewards

7 Visa Card benefits

Visa Card benefits are benefits associated with Visa. Certain terms conditions and exclusions apply. Please refer to your Guide to Benefits for further details once you receive the card.

11 Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders behalf





IHG Rewards Club Select Credit Card #credit #card #consolidation #loan

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IHG Rewards Club Select credit card

Earn 60,000 bonus points

after you spend $1,000 on purchases in the first 3 months of account opening, and enjoy a free night every year.*

Earn 60,000 Points After You Spend $1,000 in 3 Months

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Chase may close your credit card account or suspend your right to use your credit card account, at any time for any reason, including account inactivity.

Annual Free Night





Comparing Credit Card Rewards

#comparing credit cards
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Credit Card Rewards Comparison Tips

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How do I compare different credit card rewards programs?

Looking for the best credit card rewards program for your needs can be like comparing apples to oranges. There are so many different types of credit card rewards —cash rewards, miles, airline travel, points, gift cards, discounts on products and services.

So where to begin?

First, take a close look at where you are spending the most.

That s where your best opportunity is for earning the best rewards. Analyze your spending to see where you might be able to earn sizeable cash back rewards, rebates, discounts, miles or points.

While the idea of free airline tickets may be appealing, you may not actually be spending enough in certain categories, or with certain merchants, to earn big rewards. If the only way you earn rewards is by using certain airlines or certain hotel chains, you may not be spending enough to earn those free flight or hotel stays before they expire.

Likewise, if you don t drive much, and aren t planning any major cross country road trips, you probably won t be interested in gas cards.

There are a lot of different types of credit card rewards programs—once you determine your spending patterns you can narrow your search to find the best rewards program for you.

Ideally you would choose a rewards program where you earn rewards at places where you already spend. You may also earn rewards for things like good credit management.

Look for credit card rewards programs that allow you to redeem cash, travel or hotel credit, and for things you could use—including gift cards to your favorite restaurants, clothing stores, entertainment, etc.

Understand the different types of rewards

Travel miles. With airline or miles credit cards you can redeem for free or discounted travel, and may be able to redeem for other options. Branded airline and hotel cr edit cards often provide free or discounted rewards only at their specific airline or hotel. Check to see if there are restrictions on travel, blackout dates or seat restrictions. Many travel miles cards include an expiration date on the credit card rewards.

Points. When you choose to earn points for your purchases you can typically earn 1 point for every $1 you spend, with more points awarded for purchases in specific categories or with specific merchants. You can often redeem your rewards starting at 1,000 points for brand name gift cards and merchandise. With some credit card programs you can accumulate points and use them towards a rebate or cash off your next car purchase or hotel stay. Be sure to check to see if there is an expiration date for when your points must be redeemed and how often you have to use your credit card.

Cash Rewards. With this type of rewards program, you can redeem your rewards for cash back or different types of brand name gift cards or merchandise. If you re interested in getting cash back you can usually choose to get your cash rewards in the form of a bank deposit—or as an account credit to pay your credit card bill.

Next, crunch the numbers.

You ve figured out your top spending categories and decided what type of rewards program you want—but if you don t have a great credit card offer with a low interest rate, or a no annual fee card, you may not actually be coming out ahead.

Compare the various credit card offers. Is there a low APR offer? Is there an intro balance transfer offer? Will you have a low interest rate after the intro APR expires? Does the card charge an annual fee or is it a no annual fee card? What other fees are involved?

Consider the many ways in which you can earn rewards—as well as the various costs and fees that may be involved. If you re charged a fee every time you make a same-day payment, for instance, you may not be getting the best value out of your credit card.

By understanding the different types of credit card rewards programs available you can find the credit card program that gives you rewards your way—as well as the best terms and interest rate.

Discover card believes that consumers should be armed with the information they need to help them make informed credit decisions.

Legal Disclaimer: The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.





Best Rewards Cards #credit #card #approval

#credit card rewards
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CU Rewards Program

Each time you make a purchase with your card, you ll earn one Reward Point for each dollar of purchases. You can redeem your Points for merchandise, car rentals, hotel stays, roundtrip airfare, cash back and more.

Reward Point Redemption Levels

  • 2,500 points Merchandise Awards
  • 6,250 points Free Car Rental
  • 8,200 points $50 Restaurant or Retail Gift Card
  • 14,400 points for $100 Restaurant or Retail Gift Card
  • 15,000 points Free Hotel Stay
  • 30,000 points Free Round Trip Airfare
  • 33,000 points Free Cruise Package

Airline tickets are available for round-trip coach flights to virtually anywhere in the world. A 21-day advance purchase is required and some blackout dates may apply. Additional travel awards such as car rentals, hotel stays and cruises are available. Points from other credit card or frequent flyer programs cannot be combined with CU Rewards Points.

The CU Rewards Mobile App is available to download in iTunes and Google Play.





2015 Visa® Black Card™ Review – Rewards Credit Cards. #credit #card #for #bad #credit

#black card
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Visa® Black Card™ Review

THE GOOD

24/7 CONCIERGE SERVICE AND GREAT BENEFITS:

The Visa® Black Card™ includes a strong set of additional benefits. Features like roadside assistance, travel insurance, car rental insurance, and emergency services are complemented well with access to a 24/7 Black Card™ concierge program. Through the concierge, members can receive assistance with entertainment planning, travel, business services, gift arrangement, specialty services, and more.

UNLIMITED VIP AIRPORT LOUNGE VISITS:

If you travel often, you will appreciate unlimited access to VIP airport lounges as part of the Visa® Black Card™ membership experience. This benefit will grant you access to more than 350 VIP airport lounges in more than 200 cities across the globe.

COMPETITIVE SIGN-UP BONUS:

With the Visa® Black Card™, if you spend $1,500 within the first three months of card ownership, you will receive a bonus of 25,000 points. Many of the top rewards credit cards provide a bonus if new cardholders spend a certain amount in a specified time; however, in some of these cases the amount you need to spend is high or the allotted time to spend is limited. This offer from the Visa® Black Card™ is one of the more competitive bonus proposals.

BONUS FOR AIRLINE REDEMPTION:

One unique perk of the Visa® Black Card™ is the bonus for airline redemption. When you redeem your points for airfare through the rewards program, you receive 2% value instead of 1%. This may not sound like a major difference, but it can actually result in fairly significant savings and enable you to get more from your points.

TRIP DELAY REIMBURSEMENT:

An additional travel benefit offered by the Visa® Black Card™ is trip delay reimbursement. If your trip is delayed by more than 12 hours by a covered event, the Visa® Black Card™ will reimburse you up to $300 per ticket on expenses like meals and hotels. Knowing you can be reimbursed for these expenses will help minimize the impact of long delays.

ATTRACTIVE BALANCE TRANSFER RATE:

The Visa® Black Card™ offers an introductory balance transfer rate of 0% for fifteen months. Not all rewards cards offer introductory transfer rates, and very few competitor cards offer a full fifteen months interest-free. If you’re looking to avoid interest and transfer an existing balance, the Black Card™ could be a good choice.

HIGH ANNUAL FEE:

Although the Black Card™ does seem to have an aura of exclusivity surrounding it, the program operates pretty much like most rewards credit cards. However, the Black Card™ has a $495 annual fee, which is significantly higher than any other rewards card membership fee. Each additional card added to the account also requires a $195 annual fee. Like any rewards card, the things that you value and your purchasing behaviors will determine if the credit card is worth it.





Best Rewards Points Credit Card Offers – New Credit Cards 2016 #my #credit #file

#credit card deals
#

Top Rewards and Points Credit Cards 2016 Review New Offers and Deals

Top rated Rewards, Points Perks Credit Cards of 2016, updated November 1, 2015 Fall s Best Credit Cards

Your Guide to Finding the Top Rewards Credit Card Offers

When it comes to the top rewards credit card offers, people always hope for an offer they can t refuse. In such a competitive industry where companies clamor for new customers, finding an amazing rewards card for yourself is probably just a few short clicks away. But to truly get the right card, you need to examine the details and review how you plan to use the card so you are getting the most of the perks, points, rebates and rewards for eligible purchases .

Getting Cash Back

Finding the best cash back rewards program means doing a little math. Consider any annual fee, transfer fee, introductory interest and the interest you pay after that period. Then determine how much money the card will pay you back every year. For example, if your tendency is to spend a lot, the three percent cash back of some cards may be enough of a positive to convert you to that particular card. However, it s crucial that you actually do the math, and not be sold on a promotion that simply sounds like it would be better for you. Keep in mind that in order to reap the most in cash rewards, you have to spend the most money.

Rewards and Rebates for Gas

The top credit cards for fuel purchases can reward you in a number of ways, making filling your tank less draining on your wallet. Some cards will give you a percentage based rebate when you spend a certain amount on gas, as well as an enticing rebate for other items purchased with the card. Rebates may be issued as credits on the card itself or in the form of certificates sent to you. While all the major brands of fuel carry credit cards and reward you for loyalty, many major credit card companies provide specific bonus programs for fuel too. Despite having to work the numbers, these cards are often more cut and dry than others, making the determination of which one is best a little easier. Begin your search based on the amount you typically spend for fuel each month. If it is excessive, chances are very good that you will save with the specialty rewards card.

Rewarded for Brand Loyalty

Retailers present consumers with promotions for their store cards (Target, Sears, Best Buy, Amazon, Walmart) in ever other aisle. These cards reward you with rebates, discounts, free financing and more. If you have a preferred retailer or would focus your spending habits on one in particular if the price was right, opting for one of these cards should pay off. Also, consider the programs offered by big credit card companies, where you can benefit from shopping in different categories across retailers. For example, you could earn three to five points for every dollar you charge on medicine, food and groceries. Analyze your typical spending habits and see how tweaking them to the different card s specifications could really make it worth your while.

Review the Top New Perks and Points Card Offers in 2016 To Get The Best Deals

Flying the Free and Reduced Skies

Airline bonus points can be accumulated based on everyday purchases, making this arrangement ideal for those who love to travel or would love to start seeing more of the world. Any person who frequently travels on business can also save big on tickets, hotels and more when they sign on with a travel rewards based program. They work much the same as other bonus card programs, only providing perks related to the travel industry. You can earn toward a frequent flyer program, upgrades on your plane seat or hotel suite and other travel related merchandise. Points can be earned through ordinary purchases you d probably make anyway, meaning the top travel rewards credit cards hold a lot of appeal to nearly anyone who spends money.

Finding an offer you can t refuse is somewhat exhilarating as a consumer. After all, you bear the brunt of national economic conditions most of the time, so getting something in return just makes sense. Shop around, be selective and smart and get what s rightfully yours.





Can you get business apply for credit card bad credit – Belk Rewards Card. #credit #record

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    Card Details

    Late Payment Fees Up to $35

    Foreign Transaction Fee None

    Expert Reviews

    From the CompareCards.com Editorial Team

    For those who value rewards earnings through credit card purchases and have extra benefits on top, they may be highly interested in what the Capital One QuicksilverOne Cash Rewards Credit Card for average credit has to offer. To start, you will have access to an introductory APR of 0% on purchases and balance transfers until July 2016.

    This card caters to those with average/fair credit who want to earn and redeem their rewards in a flexible way. A step up from their Platinum Credit Card, reward earnings with this card are pretty decent at 1.5% cash back on every purchase, every day. Rewards never expire as long as the account remains open, and they can be redeemed at any time and for any amount.

    This card comes with an annual fee of just $39, which is pretty reasonable considering the benefits that come with it.

    Expert Reviews of the Capital One QuicksilverOne Cash Rewards Credit Card





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    Credit Cards for Good Credit

    Credit Cards for good credit can offer great rewards, low interest rates and great cash back plans! We have selected the credit cards we believe offer the best value in terms of APR, annual fees, and cash back or bonus point plans.

    If you’re interested strictly in a low interest rate on purchases and balances, some of these cards cut out the rewards program and charge no annual fee to give you a longer 0% interest period. If rewards are what you’re interested in, choose from the many limited-time bonus promotions that offer free flights, free hotel stays and free cash!

    Consider good credit credit cards your reward for having just that – good credit! There are all kinds of perks to having a strong credit score – which is generally considered a credit score of 700 or better – including lower APR’s, better cash rewards programs and higher credit limits. (Not to mention peace of mind.)

    Credit cards for people with good credit include some of the best options available on the market. Below are five of the very best credit cards for good credit consumers. There’s no filler below – just the best possible options for consumers that have earned the right to the top credit card deals on the market today!





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    Types of Credit Cards

    Many credit card companies offer several different types of cards, ranging from a general credit card to those associated with a particular merchandise retailer. The type of credit card you get can depend on your current credit rating, and what you are looking for in a card. There are many types offered here at Gettingacreditcard.com, including regular cards, cards with rewards programs, secured credit cards, premium cards, and retailer credit cards.

    Regular Credit Cards

    Regular credit cards are the most typical credit cards, and what many people think of when they consider a credit card. These basic cards have a generally low APR, and are unsecured cards. These have a low to medium credit limit, and consist of a few different types, such as balance transfer cards . low interest cards . and student credit cards .

    Cards With Rewards Programs

    Cards with rewards programs are becoming very popular with people. The idea of getting something back for using the credit card and paying the bills on time seemed to have made credit cards with rewards programs some of the most used and asked for cards today. Some of the most typical rewards programs that are used with credit cards today include:

    • Airline miles – Card users gain miles to use towards plane tickets when they use their credit cards and pay off the balance. Sometimes the number of miles earned depends upon hitting a limit spent on the credit card.
    • Cash back – Some credit cards have cash back rewards which give the credit card users cash back for a certain amount depending on what they’ve spent and paid off on their credit card.
    • Rewards points – Other credit card companies give out a certain number of points to their customers for the amount the user spends and pays off. These points can be redeemed for a number of items offered by the credit card company.

    Secured Credit Cards

    Secured credit cards are credit cards meant for people with little or bad credit. These cards require collateral, generally of a prepaid amount, to ensure that the balance will be paid. If the balance isn’t paid on time, the collateral is collected for as much as the missed payment is worth. Generally the credit limit on secured credit cards is low, and collateral can come in the form of cash, jewelry, or owned property.

    Premium Credit Cards

    Premium credit cards are credit cards that are generally advertised as gold, silver, titanium and platinum cards. These credit cards have a higher credit limit than regular credit cards, and offer other services included with the card. Some of the extras that come with premium credit cards can include:

    • Product warranties
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    • Emergency services
    • Identity theft protection

    Retailer Cards

    Retailer cards are credit cards offered by merchandise retailers, generally in the store, that can be used like regular credit cards because they are affiliated with a credit card company such as Visa or Master Card. These cards can offer special rewards, but unlike rewards cards, retailer cards generally offer specials only in the stores that they are affiliated with, such as a percentage off purchases or free products after a certain amount of money is spent and repaid.

    Of all the types of credit cards out there, make sure that you read the fine print carefully so that you know exactly what you are getting. You don’t want to be surprised with the amount of fees you have to pay or the interest rate, whether you have a regular card, a rewards card, a secured card, a premium card, or a retailer card.





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    Where Do I Enter My Password?

    As part of our enhanced security program, you are required to validate your identity by delivering a Secure Access Code to a telephone number stored within First Bancorp’s Online Banking system. You will then be given the opportunity to register the computer for future use.*

    Enter your User ID and click Login. On the following pages you’ll be asked to enter your Password and validate your identity. To validate your identity and be given the opportunity to register your computer, you will need to receive and enter a Secure Access code.

    • Choose the delivery method for your Secure Access Code – you can choose to receive a phone call or text message – and click Continue
    • You should receive your Secure Access Code within a minute.
    • Secure Access Codes are good for 30 minutes at a time and for one time use only.
    • Secure Access Codes should not be confused with a password.
    • If you do not recognize your phone numbers, please call Customer Service at 866-792-4357.

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    *From time to time, even though a computer has been previously registered, it may become necessary to register the computer again.





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    Best Rewards Credit Cards, 2013 #annual #credit #score #free

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    Best Rewards Credit Cards, 2013

    By Lisa Gerstner | From Kiplinger’s Personal Finance, July 2013

    The right choice for you depends on your spending patterns and the kind of perks you prefer.

    Rewards card issuers are stepping up their game. On top of paying up to 6% back on certain purchases, card issuers are luring customers with enticing sign-up bonuses for those who spend a certain amount — typically between $500 and $3,000 — within the first few months of getting the card in the mail. You can get an instant cash sign-up bonus of $100 or $150, or as much as 50,000 miles, depending on the type of card you choose. The Barclaycard Arrival World MasterCard. which has an $89 annual fee that’s waived the first year, offers 40,000 miles if you spend $1,000 in the first three months. That’s worth a $400 plane ticket.

    SEE ALSO: How to Pick the Best Credit Card for You

    We’ve picked top credit card offers in a few categories, depending on how you spend and the type of rewards you prefer. Among those with annual fees, the potential return for charging thousands of dollars each year more than covers the fee. Plus, you often get extra benefits, such as discounts on certain purchases and additional bonus points. Don’t think you’ll spend enough to justify the fees? The American Express Blue Cash Preferred, Capital One Venture Rewards and Chase Sapphire Preferred cards all have worthy free companion cards with skimpier rewards. Unless otherwise noted, these cards don’t impose caps or expirations on the points you earn.

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    Good rewards cards not only make it easy to accumulate points or miles but also are generous when it’s time to redeem them. To determine the typical annual rebate, we assumed you would charge $20,000 each year, based on the average spending patterns outlined in the Bureau of Labor Statistics Consumer Expenditure Survey. The rebates we calculated don’t include the sign-up bonus, nor do they reflect the annual fee if it’s waived the first year. As a general rule, it takes 100 points to earn $1 in cash, as a statement credit or as a gift card.

    To snag the best cards, you’ll need an excellent credit profile, often including a FICO score of about 750 or higher (though a score in the neighborhood of 700 to 749 can also get you a decent card). Wait at least six months between applying for cards to minimize damage to your credit score from the inquiries on your credit report, suggests Odysseas Papadimitriou, chief executive of CardHub.com





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    Capital One® VentureOne® Rewards Credit Card

    The Capital One VentureOne Rewards Credit Card is an excellent option to earn miles on purchases. The rewards program this credit card.

    Capital One®QuicksilverOne℠ Cash Rewards Credit Card

    The Capital One QuicksilverOne Cash Rewards Credit Card will fill your wallet back up just by using it on every day purchases. You will.

    Chase Freedom® Card

    Oftentimes a credit card can make you feel tied down, but the Chase Freedom Card sticks to its name. This rewards credit card can earn you cash.

    Blue Sky from American Express®

    The Blue Sky from American Express Card is a rewards credit card that works off a points system. With each eligible purchase you make, you will.

    Citi ThankYou® Preferred Rewards Card

    The Citi ThankYou Preferred Card is a credit card that is packed with reward options that give you points on everyday purchases. With this.

    Capital One® Venture Rewards Credit Card

    If traveling is your thing, the Capital One Venture Rewards Credit Card is a great option for earning free travel and even additional rewards.

    Discover it

    The Discover it card is an everyday rewards credit card that helps you earn some cash back simply by making everyday purchases. For every.

    Chase Sapphire® Card

    The Chase Sapphire Card is a points rewards credit card that you can use on everyday purchases to earn things like travel, cash, gift cards.

    Chase Sapphire Preferred® Card

    The Chase Sapphire Preferred Card lets you earn rewards with every purchase you make, and double rewards on certain purchases. This rewards.

    Gold Delta SkyMiles American Express

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    BankAmericard Travel Rewards®

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    The BankAmericard Cash Rewards Credit Card is simply a rewards card that can earn you cash back on everyday purchases you would be making.

    TrueEarnings® Card from Costco and American Express

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    Best Credit Cards with Hotel Rewards from our partners

    Scoring a free night in a hotel or upgrading to a luxury suite is easy with a hotel rewards credit card, which gives cardholders bonus points for spending money in specific categories, such as dining out. Hotel rewards cards often give generous sign-on bonus offers to customers with excellent credit.

    Extra Benefits of Hotel Rewards Cards

    A travel or hotel rewards credit card gives you discounts on things like car rentals, cruises, hotel stays, flights, and more. Certain cards (also known as hotel branded cards) give you points toward free nights at a specific hotel chain, like Hyatt or Sheraton, while others (or bank-issued cards) let you use your points at any hotel – or on a flight, cruise, or other travel.

    Your hotel rewards credit card can give you an upgrade to a much swankier hotel than you thought you could ever afford. You might be surprised at the luxurious accommodations that could be yours when you use one of these best hotel rewards program credit cards to accrue points and rewards. If you’re a frequent traveler, or you aspire to be, this could be the card for you.

    Some hotels will give you priority check-in with your hotel rewards card, and some will give you a room upgrade, trading your single room for a suite, or your parking-lot view for an ocean view.

    Best hotel rewards programs can be costly for credit card companies, so many of these cards come with an annual fee. If you aren’t a frequent traveler, this card may not be worth the fee.

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    5 Top Rewards Credit Cards 2015

    M ore than ever before, credit card companies are throwing cash, points, and miles at consumers to entice them to sign up for new credit cards. We re talking bonuses worth hundreds of dollars just for signing up for a new credit card. Many of these cards don t even have an annual fee!

    Here are a couple of things to note about finding the best rewards credit cards:

    1. Most lists are outdated.  Be careful which lists you re looking at when it comes to rewards credit cards. Many, such as the lists from Consumer Reports, are outdated. Those cards have long been replaced with even better offers.

    2. Many lists leave out the best cards.  Of course, it s not practical to list every one of the thousands of great credit card options out there. But here, we re really trying to distill it down to the best offers at the time of this writing.

    Here, we ll list our editor s picks of the top five best overall rewards credit cards. If you re interested in cards within a certain category, check out our specific lists. Otherwise, this is just the top five best rewards cards today (and five bonus options):

    1. Chase Sapphire Preferred®

    This card is listed in the best-of lists on plenty of websites, and not without reason. Right now, it s offering a great bonus: 40,000 bonus points ($500 worth of travel rewards) for spending $4,000 in your first 3 months after account opening. You can add another 5,000 points by adding an authorized user and making a purchase in the first 3 months from account opening.

    On an ongoing basis, the Chase Sapphire Preferred® offers 2 point per $1 spent on travel and dining at restaurants, and 1 point per $1 spent on all other categories.

    Other perks include 20% off travel when you redeem through Chase Ultimate Rewards®, and a 1:1 point transfer program. This lets you transfer your Chase points into other travel rewards programs, which can let you leverage your rewards more easily.

    The card also offers no foreign transaction fees, and it s chip enabled for more security and worldwide acceptance.

    The main drawback to this card is that it has a $95 annual fee. If you don t spend enough money on the card to out-earn that $95, then this card may not be worth your while. But if you want to reap excellent rewards on everyday spending, then this could be the rewards card for you.

    Another Option:  Another option is the Chase Freedom®, which offers unlimited 1% cash back, plus 5% cash back on up to $1,500 in purchases on rotating categories each quarter. It has no annual fee, and you may be able to get this card with slightly lower credit.

    2. Barclaycard Arrival Plus TM World Elite MasterCard®

    This card offers excellent travel benefits, including a huge bonus points offer. It gives you 2 miles per $1 spent on any purchase, without messing around with rotating categories. If you spend $3,000 within 90 days of card ownership, you ll get 40,000 bonus miles worth $400 in travel credits.

    Barclaycard makes it easy to redeem travel rewards for what you want to use them for. Just book your travel online or in person through your card. Then, redeem your accrued miles for a statement credit.

    As another bonus, this card offers a 0% introductory APR for 12 months on any balance transfer made within 45 days of opening your account.

    Unfortunately, this card has an $89 annual fee, which is waived for the first year. So that s slightly less than the Chase Sapphire Preferred, but still a hefty fee. Still, if you use it for most of your spending throughout the year, you ll well out-earn that fee.

    Another Option:  Barclaycard offers a similar option with no annual fee. The Barclaycard Arrival TM World Mastercard® offers 2 miles per $1 spent on travel and dining, and 1 mile per $1 spent on everything else. When you spend $1,000 in the first 90 days of card ownership, you can get 20,000 bonus miles. This card, also offers 0% APR for 12 months on balance transfers made within 45 days of opening your account.

    3. Discover it®

    The Discover it® line of cards has a lot to offer including options. You can get a cash back card, a student card, or a miles card. Here, we ll focus on the cash back card, one of Discover s most popular options at the moment.

    The Discover it® card offers 1% cash back on all purchases everyday, and there s no limit to the rewards you can accrue. Then, it offers bonus cash back of 5% in rotating categories, up to the quarterly maximum. For instance, right now, card holders can get 5% cash back at gas stations and on ground transport.

    Discover makes it easy to redeem your rewards, since you can cash in any amount at any given time. You can use the rewards for a statement credit, a deposit to your bank account, or use them to pay at Amazon.com.

    This card has no annual fee, and it offers 0% APR for 12 months on purchases and balance transfers. This is a good card for average to high credit, with the average approved score at 675.

    Another Option:  The Discover it® Miles card offers 1.5 miles per $1 spent on purchases, and double your miles after the first year of use. Miles are easy to cash in, and there are no black-out dates or added redemption fees.

    4. Citi Double Cash® Card

    The Citi Double Cash® card is an interesting option. It offers cash back two times once when you buy and once when you pay. So you get unlimited 1% cash back on all of your purchases. Then, as you pay off purchases, you get an additional 1% cash back. As long as you pay your minimum due, you can earn that second 1% cash back.

    With no categories or caps to worry about, this is an easy card to use. Just spend, and then pay off your purchases on time. If you re a little late once time, you get a free pass, too.

    This card has no annual fee, and it has a great introductory APR offer right now. You can get 0% APR for the first 15 months on balance transfers and purchases. The balance transfer fee is the greater of $5 or 3%.

    Another Option:  The Citi ThankYou Premier® card is for those with excellent credit. It offers 3 points per $1 spent on dining out and entertainment, 2 points per $1 spent on airfare, hotels, and travel agencies, and 1 point per $1 spent on other purchases. You could earn up to 50,000 bonus points, too. The major drawback is a steep $125 annual fee.

    5. American Express Blue Cash Preferred®

    The Blue Cash Preferred card is an excellent way to earn cash back on your everyday expenses. In fact, unlike most cards weighted more towards dining, entertainment, and travel, this one is weighted towards gas and groceries.

    With this card, you ll get 6% cash back on up to $6,000 per year in supermarket purchases, 3% cash back at US gas stations and department stores, and 1% cash back on all other purchases. You can redeem your Reward Dollars as a statement credit. For new card members, spend $1,000 on purchases within three months of account opening, and get a $150 statement credit.

    The $75 annual fee for this card isn t fun to pay, but it s definitely not the worst option among high-rewards cash back cards. It also offers a 15-month 0% introductory APR on purchases and balance transfers.

    Another Option:  The Blue Cash Everyday® Card from American Express is the no annual fee version of the Blue Cash Preferred®. It offers 3% cash back on up to $6,000 in annual supermarket purchases, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases. You can get a $100 statement credit by spending $1,000 in the first three months of opening your account. Credit requirements for the two cards are quite similar, so it s really all about whether or not you ll spend enough to balance out the Preferred® card s annual fee.

    Compare these and other credit cards at CardRatings.com .

    Barclaycard Arrival Plus World Elite MasterCard offers 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $400 travel statement credit. You’ll earn 2X miles on all purchases and get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits. The card also offers 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening and complimentary online FICO credit score access. Apply Now or read the Barclaycard Arrival Plus World Elite MasterCard review .





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    Earn rich rewards and enjoy flexible redemption options

    Get more from a Wells Fargo Rewards Visa ® card

    • Take advantage of our lowest introductory APR and transfer higher interest rate balances.
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    • Earn 5 X rewards points for every $1 spent on gas, grocery, and drugstore net purchases for the first 6 months .
    • Earn 1 rewards point on every $1 spent on virtually all other net purchases- everyday.

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    0% introductory APR for 15 months on purchases, then 12.15% – 25.99% variable APR. (These APRs do not apply to cash advances ). See the full terms and conditions .

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    0% introductory APR for 15 months on balance transfers, then 12.15% – 25.99% variable APR. Balance transfer fees apply. When you apply for this card, simply fill in the balance transfer information on the application. See the full terms and conditions .

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    Credit Card Subject to credit qualification.

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    How to earn rewards points

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    • Earn 1 rewards point for every $1 spent on virtually all other net purchases everyday.

    Redeeming points is easy 

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    Every time you use your Starbucks loyalty card or our mobile app when you re buying something at a participating store, you ll earn a Star. These stars add up to earn you exclusive Starbucks rewards, like free drinks and more. The more stars you collect, the more rewards you earn.

    It s easy to join, too. All you need to do to start earning rewards is set up an account using your Starbucks card. Once you have an account you can keep track of how many Stars you ve collected on our website or mobile app. When you collect enough stars to earn a reward, we ll send you an email.

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      As part of My Starbucks Rewards, you can be the first to know about new products, special offers and special previews

    Gold Level

    You ll receive 1 year of Gold level membership when you use your loyalty card (or our app) to collect 50 Stars within 12 months.

    • You still receive all the benefits that our Green level members have, but here are some added extras:
    • Free Extra Shots

    Get an even bigger boost. Have an extra shot or more than one for free.

    Indulge yourself at no extra cost. Top any drink with a free, fluffy cloud of sweetened whipped cream.

    It can take up to 24 hours to complete the loyalty card registration process. But don t worry, we ll get your rewards to you as soon as we can.

    To keep your Gold level membership, all you need to do is keep using your Starbucks card to earn rewards. Collect another 50 Stars before your anniversary (the date you qualified for Gold Level membership) and you can keep enjoying all these benefits for another year. Even if you don t, you ll still be a Green Level member.

    Visit our FAQ page for more details.



    T-Mobile Advantage Program #t-mobile #advantage, #advantage #program, #advantage #rewards


    #

    Get your T Mobile
    Advantage Reward Card!

    As a T-Mobile Advantage Program participant, you will receive a $25 T Mobile Advantage Reward Card for every T-Mobile ONE™ line you activate and every time you upgrade a device. You can use your reward card at T Mobile stores toward the purchase of any new device or accessory or apply it to your bill.

    Not combinable with other discounts, including volume discount AVD.

    Wondering if you’re eligible? It’s up to your employer.

    If you are an employee or member of an organization that participates in the T-Mobile Advantage program, you may be eligible for great benefits. There are two ways to check your eligibility and enroll in the Advantage program:

    • If you have a work email, you can check your eligibility by entering it here. If you’re eligible, you can enroll right away. When you finish your application, we’ll send you a verification email to confirm your enrollment.
    • If you don’t have a work email, you can click here to complete our online application. You will need to attach the required proof of eligibility described on the page.

    Once you’re an Advantage Member, here’s how to get your T Mobile Advantage Reward Card:

    1. Purchase a new line of service on T-Mobile ONE and submit your request for your Advantage Reward Card request within 30 days of purchase.
    2. Visit www.t-mobile.com/promotions and enter the following information:
      1. Your T Mobile phone number*
      2. Your T Mobile Account PIN (the last 4 numbers of your SSN)
      3. The promotional code for new activations and add a line: ADVNEW
        Or
        The promotional code for upgrades: ADVUPG
      4. Attach proof of employment (e.g. ID card, pay stub) and submit the form
    3. Once your entry has been verified, look for your Reward Card within 6 to 8 weeks.

    That’s all there is to it!

    Our goal is to always give you the best in wireless.

    Over the last year, we’ve made many changes to give our customers more value, including no annual service contracts, access to our latest devices on the fastest nationwide 4G LTE network, and the ability to upgrade whenever you want with JUMP! The Advantage program is just another one of the perks of being a T Mobile customer.

    You can check the status of your Advantage Reward Card request by visiting www.t-mobile.com/promotions or by giving us a call at 1-877-470-3619 .

    * If you are bringing a number over from another carrier to T Mobile (known as porting), please wait until that process is complete prior to submitting for your offer. We need to process your working, actual T Mobile number—not the temporary number assigned for the porting process.

    Fastest LTE Network based on download speeds. Limited-time offer; subject to change. Participating locations. Up to 12 voice lines. One Reward Card per device purchase; one card per year per device for JUMP! On Demand. Eligible rate plans only. Card is valid for 90 days. Offer period starts March 31, 2014. See Reward Card for additional terms. If you have registered for Business Family Discounts, then signing up for the Advantage Program would remove your Business Family Discount, as the Advantage offer cannot be combined with other discount programs.



    Rewards – Credit Cards #apple #credit #card

    #rewards credit cards
    #

    Sam’s Club Rewards 5% Gas, 3% Travel

    We are excited to welcome U.S. Bank credit cards to our reviews. This bank offers a grocery shopping rebate card and a cash back card. Are you a Mom Blogger. Then consider a business credit card. If you like coupons and free stuff then why not get cash back on your blogging expenses?

    A reward credit card used to be a rarity. Only members with the highest credit limits or those who had their cards for long periods of time could expect to receive anything from the credit card companies. Often, rewards would come in the form of gift cards or something a bit more tangible, like luggage. These days, the majority of companies have several different reward cards that people can apply for. In cases such as the Discover Card, the reward is actually money which can be statement credits or even cash in the form of a check. A person receives a percentage of his expenditures, so each time he uses the card he is increasing the size of the payment he will get back. Other reward cards offer people discounts at certain hotels, restaurants, and gas stations. You now have a more immediate reward or bonus on the latest lure from credit card companies including $50 sign-up bonuses up to $400.

    With so many different types of rewards, people need to seriously look at their spending habits before they choose a reward card. A person who doesn t own a car is not going to benefit from a program that rewards spending on gasoline. Likewise, someone who rarely travels will not reap many rewards from a frequent-flyer miles card. Of course for the rest of us, who travel as frequently as possible, these cards hold exceptional incentives.

    Looking to transfer a balance to another card? Balance Transfer Credit Cards have become big over the last several years because not only do they keep you away from higher interest on your current credit cards but they earn you some rewards. With Balance Transfer credit cards there are many fees such as a 3% balance transfer fee charged by most banks that has recently increased to 5%. We have an updated list that includes no balance transfer fee cards.





    Rewards Credit Cards: Review, Compare & Save! #call #credit #check

    #rewards credit cards
    #

    Chase Sapphire Preferred Card

    By:John Kiernan, Personal Finance Editor

    Rewards credit cards generally have three main characteristics: their rewards currency, their targeted consumer demographic, and whether or not they are affiliated with any particular company or organization.

    There are three primary rewards currencies: points, miles and cash back. In addition, rewards credit cards are also targeted to three main demographics: students, small business owners and general consumers. Credit cards that are affiliated with certain companies, organizations or causes are known as affinity cards. Affinity cards include both store cards, which provide rewards strictly on purchases you make at affiliated stores, and co-branded Visa or MasterCard cards that can be used anywhere but provide added rewards for purchases made through the respective company or organization tied to the card. In short, people get them because they have an affinity for the store or organization the card is tied to and would like their credit card rewards to reflect and fuel this interest.

    By:Odysseas Papadimitriou, CardHub CEO

    Each credit card company typically has its own rewards program, and while some are known for having the best customer service or the best cash back rewards, for example, your credit card rewards comparison should really be focused around finding the single best rewards credit card for your lifestyle.

    “When every business is offering the same [type of] loyalty program, it will be hard for customers to differentiate one from another,” says Dr. Christina Chi . an assistant professor in the School of Hospitality Business Management at Washington State University . “What makes a business stand out is, of course, first and foremost, the quality of the service/product. If two businesses are offering similar quality product/service at a similar price, then their loyalty program may help make the difference. Whoever’s loyalty program offers the better deal and is easier to redeem the loyalty points will win out.”

    The first step in choosing a rewards program is deciding whether travel rewards are suitable, so ask yourself: Do I compile 30,000 airline miles or 20 nights in a hotel annually? If your answer is “yes,” get a generic travel rewards card or the card tied to your favorite hotel/airline (if most of your travel is with that company).

    If you answered “no,” we recommend simply finding the cash back credit card offering the most lucrative rewards on your biggest expenses. Credit card companies can easily devalue points/miles by changing the number that must be redeemed for certain rewards. This is not possible with cash.

    In addition, cash back rewards offer a lot of redemption versatility in that you can redeem your earnings for any type of expense via statement credits – unlike many points and miles-based credit cards. Interestingly, this “perk” benefits card issuers as well. “If there are a lot of options for a consumer to redeem accrued points (or whatever), consumers will have a more favorable image of and feeling for the company,” says Dr. Patricia Huddleston . a professor of retailing in the Department of Advertising, Public Relations and Retailing at Michigan State University.

    By:Odysseas Papadimitriou, CardHub CEO

    Trying to compare credit card rewards can be confusing, especially given the fact that some of the most important information about a card might be buried within the application’s fine print. Below you will find some of the most important terms to look for when examining a credit card offer

    1. Expiration ” – It’s extremely important to determine whether your rewards will expire, especially if you are someone who likes to compile a lot of rewards and redeem them all at once.
    2. Up to ” – Some rewards credit cards only allow you to earn points, miles or cash in various spending categories up to a certain amount spent. The presence of any such quotas or limits impacts the ultimate benefit a card will provide.
    3. Rotating ” – Credit cards often provide higher earning rates on specific spending categories that change, usually on a quarterly basis. You typically need to sign up for these heightened rewards, however.
    4. Tiers ” – Some credit cards use a tiered rewards structure where the number of points/miles or percentage of cash back you get for every purchase increases based on your annual spending.




    Rewards Programs Credit Cards 2015 – Reviewed and Ranked #credit #reports #for #free

    #rewards credit card
    #

    Rewards Programs Credit Cards

    Imagine pulling out your rewards program credit card at the grocery store and restaurants, and receiving points that turn into a dream destination vacation. The purpose of a rewards program credit card is to earn points that can be redeemed for a number of different benefits.

    Many people have found that this is a great way to afford concert tickets, lavish vacations, and electronics that they couldn’t otherwise fit into their budget. In addition, reward program credit cards have become increasingly more flexible over time. In fact, many reward program credit cards compete with each other for your business, and as a result provide flexible reward points that are easy to work with.

    When looking for a rewards program credit card. there are a number of factors you should consider. Some of these include:

      Annual fees. Many rewards program credit cards charge no annual fees. Interest rates. You need to consider what the annual APR is with any rewards program credit card that you consider. If you plan paying off your credit card every month, then the interest rate is less important. Penalties. Rewards program credit cards make money when your payment is late or when you go over the credit limit. You need to understand any penalties that exist.

    TopConsumerReviews.com has reviewed and ranked the best rewards program credit cards available today. We hope these reviews help you start earning valuable benefits right away!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.





    1-2-3 REWARDS? Visa Card – Online Banking #credit.com #free #credit #score

    #usbank credit card
    #

    About Online Banking

    With U.S. Bank Online Banking, you’ll enjoy many time-saving account management features, including:

    • Expanded Transaction History access up to 2 years of transactions building to 5 years.
    • Search Functionality search through your transaction history by date, transaction type, description or amount.
    • More Online Statements over 2 years of Online Statements building up to 7 years.
    Account Transactions

    With Online Banking, you have the flexibility to make a same day payment, schedule a future payment or sign up for AutoPay, where your payment is scheduled on the same day each month. You can use a U.S. Bank checking account or an external account to make payments to your credit card. If you choose to set up an external payment account, it only needs to be set up once for all future payments.

    To make a payment:

    1. Log in to Online Banking .
    2. Under the “Transfers and Payments” tab, select “Pay My Account.”
    3. Select the Account you are paying, and the Account you are paying from.
    4. Select the frequency, either Once for a onetime payment, or Recurring to set up AutoPay.
    5. Complete the remaining payment information and select Continue.
    6. Review the payment details and click Submit.
    7. Print off the Confirmation Page for your records (want to receive an email or text alert when your Payment Posts? Learn more .)

    The cut-off time for same day Web (non-AutoPay) payments varies but generally ranges between 5 pm and 8 pm CT. Please contact Cardmember Service if you have questions about your applicable cut off time.

    To request a balance transfer:

    1. Log in to Online Banking .
    2. Select your Credit Card Account from the home page.
    3. Select “Request a Balance Transfer” from the left navigation.
    4. Select your Account and click Next.
    5. Click “Transfer a balance from another credit card.”

    Note: REWARDS Points are not awarded for Balance Transfers.

    Online convenience checks allow you to transfer balances or make payments to someone, and the amount will be billed to your Card. You can request that a booklet of checks be mailed directly to you.

    To request convenience checks:

    1. Log in to Online Banking .
    2. Select your Credit Card Account from the home page.
    3. Select “Request a Convenience Check” from the left navigation.
    4. Select your Account and click Next.
    5. Click “Order a booklet of Convenience Checks.”
    6. Follow the simple instructions to request a Convenience Check.

    Note: REWARDS Points are not awarded for Convenience Checks.

    To request a credit limit increase:

    Alternatively, you can contact 1-2-3 REWARDS. Visa Card Cardmember Service at 877-373-6192 to request a credit limit increase.





    4 Small Business Rewards Credit Cards With No Annual Fees #annual #credit #score #free

    #no fee credit cards
    #

    4 Small Business Rewards Credit Cards With No Annual Fees

    In honor of National Small Business Week. I ve selected four business credit cards that offer some really good rewards. And since these cards don t have annual fees, you get to keep all the rewards you earn. Now, that s a pretty sweet deal.

    Just a quick reminder before we dive in: Business credit cards are not covered by the Credit CARD Act of 2009, which prevents sudden rate increases among other needed consumer protections. So just be careful. Try not to carry a balance and pay attention to any mail you receive from your issuer.

    Okay, so here we go. Four business cards that help you save money on businesses expenses:

    Ink Cash Business Card

    Chase has several cards with the Ink brand. They re all pretty good cards but I like the cash rewards and low APR associated with this one. After your first purchase, you get $100 cash back. Spend $5,000 within the first three months and you get an additional $150 cash back bonus. So you can earn up to a $250 cash back bonus. Not bad, huh?

    The rewards program is generous, but it s tiered. You get 5 percent cash back on the first $25,000 spent annually at office supply stores and on cellular phone, landline, Internet, and cable TV services. You get 2 percent cash back on the first $25,000 spent annually at gas stations and restaurants. And you get 1 percent cash back on all other purchases.

    Other perks:  Free employee cards and access to excellent management reporting tools.

    Annual fee: None

    APR: You get a zero percent intro APR for 12 months. After that, you get a 10.24 percent variable APR.

    Foreign transaction fees: 3 percent

    Get Your Free Credit Score & Monitoring

    Plus Weekly Updates From Our 50+ Experts

    SimplyCash Business Card from American Express OPEN

    There s no sign-up bonus, but you get some great rewards with this card. You get 5 percent cash back on wireless services and office supply purchases and 3 percent cash back on gas purchases.

    Plus, you get 1 percent cash back on all other purchases. There s no limit to the amount of cash back you can earn. You ll automatically receive your cash back as a statement credit each month.

    Other perks:  Save up to 10 percent on business expenses via OPEN Savings, excellent purchase protections, and access to online expense management tools.

    Annual fee: None

    APR: You get a zero percent intro APR for up to 12 months. After that, you get either a 12.24 percent, 17.24 percent, or 19.24 percent variable APR.

    Foreign transaction fees: 2.7 percent

    Capital One Spark Miles Select for Business

    You know what I like about Capital One s rewards programs? They re simple to understand. With this card, you get one mile per dollar spent on every purchase. Plus, you get a 50 percent bonus on the miles you earn every year. There s no limit to the amount of miles you can earn and miles don t expire.

    Other perks: Employee cards at no additional cost, access to excellent management reporting tools, and the option to customize your card design to promote your business.

    Annual fee: None

    APR: You get 0% intro APR on purchases until October 2013. After that, you get a variable APR of 14.9 percent, 17.9 percent or 19.9 percent.

    Foreign transaction fees: None

    How Much Can You Borrow? Find out how much you’re qualified to borrow. Fill out a short online form and we’ll introduce you to lenders who can give you a quick answer. Personal Loans up to $35,000 available.

    CitiBusiness ThankYou Card

    This is a new card and it has a lot to offer small business owners, starting with the sign-up bonus. After you make $3,000 in purchases within the first three months, you earn 15,000 bonus points, which is enough for $150 in gift cards.

    Rewards: You get rotating categories where you get 3 ThankYou points for every dollar you spend. The category through June 2012 is computer equipment merchants, advertising services and professional services.  Other categories throughout the year include office supply merchants, airlines, restaurants and more. You get one ThankYou for every dollar spent on all other purchases.

    Other perks:  Excellent management reporting tools and anniversary ThankYou point bonuses.

    Annual fee: None

    APR: You get a zero percent intro APR for six months. After that, you get a 13.24 percent variable APR.

    Foreign transaction fees: 3 percent

    At publishing time, the Ink Cash Business Card. SimplyCash Business Card from American Express OPEN  and CitiBusiness ThankYou Card are offered on Credit.com product pages and Credit.com is compensated if our users apply for and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

    Sign up for our weekly newsletter.

    Get the latest tips & advice from our team of 50+ credit & money experts, delivered to you via email each week. Sign up now .

    Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

    A consumer advocate, Beverly Blair Harzog focuses on credit card issues and provides insight about current news that affects the credit card industry and consumers. She’s a nationally recognized expert on credit card issues and is also the co-author of Confessions of a Credit Junkie. Visit Beverly at BeverlyHarzog.com .

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.





    Which Type of Rewards Credit Card is Right for You? #credit #card #debt #relief

    #credit card types
    #

    Which Type of Rewards Credit Card is Right for You?

    Wise Bread Picks

    Everyone talks about rewards cards.

    We see them advertised on TV, plastered on the sides of buses, and stuffed into our mailboxes. In fact, we hear about rewards cards so often that they all begin to blur together. It s become a buzzword used describe nearly every card under the sun.

    Yet it s important to realize that rewards cards are not all the same. There is actually a surprising amount of diversity within the market, such that two cards you think are similar (based on surface indicators like the APR or annual fee) might be night-and-day different from one another.

    Compounding the problem is the fact that rewards cards are not tailored to individual consumers. They re created by marketing teams and designed to appeal to as many consumers in a homogeneous group (say, business travelers or students ) as possible. In short, the credit card companies don t really know you at all.

    That means it s your job to sift through all of the many rewards cards you could pick and find the one(s) for you.

    How Rewards Cards Changed the Rules of Picking the Best Card

    Picking the best credit card was relatively simple before rewards cards came into existence. The best advice could be summed up in one-sentence truisms like make sure your card is accepted everywhere or avoid annual fees (which is horrible advice when evaluating rewards cards) and, of course, look for the lowest APR.

    Credit cards were basically commodities, with very little to differentiate one from any other. Rewards cards changed all that by introducing new variables and rendering incorrect much of the standard credit card advice people followed before.

    4 Major Types of Rewards Cards

    First, you should understand that there is no such thing as a rewards card in general. Rather, there are cards that reward certain types of spending with certain types of perks or benefits. Brief summaries of each (as well as who should get which cards) are offered below:

    Airline Miles Cards

    Airline miles cards enable you to accumulate miles (or points) based on the flights you buy with the card. Over time (and with enough trips charged to the card) you can earn enough points to take entire round-trip flights for free.

    This card IS for you if. you already were a frequent air traveler and would be, with or without this card. In your case, an airline miles card is icing on the cake a way to get rewarded for what you already do and would have done no matter what. Even a high annual fee (say, $85) doesn t matter because you ll easily travel enough to earn it back and then some in points.

    This card is NOT for you if. you fly once or twice a year but love the idea of getting enough points for a round-trip flight just for signing up. What the stewardess didn t tell you is that after those initial complimentary points, you would need to spend tens of thousands of dollars per year on your airline miles card to earn another free flight. As SmartMoney reported in 2009:

    The Continental Airlines World MasterCard, for example, carries an annual fee of $85, and earns one mile per $1 spent. One mile is worth about a penny at redemption, so you’ll have to spend $8,500 just to offset the fee.

    Infrequent travelers are virtually assured of not spending enough for the fee to be worth it (never mind accumulating enough points for free trips!)

    Gas Rewards Cards

    It s no secret that gas prices have skyrocketed during the last decade. Sensing that consumers are feeling pain at the pump, credit card companies launched gas rewards cards which rebate anywhere from 3%-5% of the gas you buy on credit.

    This card IS for you if. you have a long commute, frequently drive for pleasure, and/or drive a gas-guzzler of some kind. If anything about your lifestyle results in having to buy lots of gasoline, gas rewards cards are an excellent way to be rewarded for it.

    This card is NOT for you if. you work from home, rarely drive for pleasure, and/or drive an extremely fuel-efficient vehicle. Personally, I m a horrible candidate for gas cards because I drive a diesel-powered Volkswagen that only needs to be filled up once or twice a month!

    Balance Transfer Cards

    Credit card companies are well aware of the widespread debt problems that today s consumers have. That s why balance transfer cards (which offer you a 0% APR for 6-12 months after transferring a balance) have become some of the most popular offerings from banks and credit card companies.

    This card IS for you if. you owe a staggering amount of money on one or more credit cards ($5,000-$10,000 or more) and believe you can pay a significant amount of it off during the 0% APR teaser period.

    This card is NOT for you if. you have little or no credit card debt and therefore have no strong reason to care what the APR is (neither for the first 6-12 months nor anytime after.)

    Cash Back Cards

    Cash back cards are the closest thing to a rewards card that can appeal to just about anyone. As the name implies, these cards reward you by refunding a certain percentage (usually around 2%) of all your spending. That means, for instance, that spending $2,000 on your cash back card will net you $40 at the end of the month simply for doing your spending on that card.

    This card IS for you if. you are comfortable doing most or all of your spending with the credit card so as to maximize your cash back reward.

    This card is NOT for you if. you hate using credit cards for anything other than when they re mandatory (such as booking a flight, rental car, or hotel room.)

    The common theme here is ignoring the marketing-speak of the credit card companies and focusing intently on what each card can offer YOU individually. By taking a careful inventory of your lifestyle and spending habits, you can select the card that will provide the most rewards for what you already do which is the whole point. Avoid the common mindset of impulsively signing up for a card that sounds good and then trying to change your behavior to benefit from it.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain.





    The 5 Best Business Rewards Credit Cards – US News #car #loan #bad #credit

    #which credit card is best
    #

    Small business owners can trim their expenses with these expert-recommended cards.

    Looking for a way to cut costs for your small business? Opting for a business rewards credit card could be a good solution.

    In addition to earning rewards for everyday business expenses like travel, gas, and office supplies, business credit cards come with expense-tracking tools that make it easier to keep tabs on your company’s finances.

    About 37 percent of business owners are using credit to cover some of their costs, reports the National Small Business Association. As of August 1, the average interest rate on a business rewards credit card was 15.74 percent, slightly lower than the average consumer rewards credit card rate of 17.64 percent. However, if you’re planning to get a business rewards credit card. be aware that these cards aren’t covered by the Credit CARD Act of 2009, which protects consumers from arbitrary rate increases.

    That isn’t a concern if you won’t be carrying a balance from month to month, says Beverly Harzog, an independent credit-card expert and consumer advocate. Since interest rates can fluctuate substantially on these cards, you should probably only get one if you can pay off the balance each month.

    Also keep in mind that the credit card company will look at your personal credit score when you apply for the card. If your FICO score is not in the 700s, you might not get the lowest rate offered, says Gerri Detweiler, director of consumer education at Credit.com.

    Competition for these cards has slightly declined, says Anisha Sekar, vice president of credit and debit products at NerdWallet. a credit card comparison site. I think vendors are pulling back in the small-business realm. They aren’t working as hard to court small businesses these days, she says. It’s not exactly an ideal climate to snag that amazing sign-up bonus.

    With that in mind, make sure you choose the right business rewards credit card for your company. U.S. News spoke to credit card experts for their recommendations:

    Starwood Preferred Guest Business Credit Card. This card, from American Express, is a good bet if you stay at Starwood hotels, Harzog says. Starwood’s umbrella includes Sheraton, Westin, and St. Regis hotels, among others. You’ll earn four Starpoints for every stay at participating Starwood hotels and resorts, and one point for all other hotels. But the real benefit is the Starpoints you can earn after enrolling: You get 10,000 Starpoints automatically after your first purchase, and you can earn an additional 15,000 Starpoints when you spend $5,000 in the first six months. The card’s $65 annual fee is waived during the first year.

    You’ll also be automatically enrolled in Amex’s OPEN savings program, which gets you discounts of 3 to 10 percent with purchases at businesses like Hertz, FedEx, and OfficeMax.

    Chase Ink Cash Credit Card. Harzog likes this card’s cash-back bonus. You’ll earn $100 cash back after your first purchase, plus an additional $150 cash back after you spend $5,000 in the first three months. As for the rewards, this card is on a tier system, which can make things a little complicated. Don’t be put off by the fact that it can’t be laid out neatly on one page, Harzog says. It comes with 5 percent cash back on the first $25,000 spent annually at office-supply stores and on cellular phone. landline, Internet, and cable services. You’ll also get 2 percent cash back on the first $25,000 spent annually at gas stations and restaurants; then it’s 1 percent cash back on all other purchases. The card comes with no annual fee.

    Capital One Spark Cash Credit Card. You’ll get 2 percent cash back on every purchase, which adds up. You can also earn a one-time $100 bonus if you spend $1,000 within the first three months. The card charges a $59 annual fee (waived the first year), but that expense could be worth it, says Brian Kelly, founder of ThePointsGuy.com, a credit card comparison site. If you’re spending a lot, you make up for the small annual fee by raking in higher rewards, he says.





    IHG Rewards Club Select Credit Card #how #can #i #check #my #credit #score #for #free

    #credit card deal
    #

    IHG Rewards Club Select credit card

    Earn 60,000 bonus points

    after you spend $1,000 on purchases in the first 3 months of account opening, and enjoy a free night every year.*

    Earn 60,000 Points After You Spend $1,000 in 3 Months

    This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Chase may close your credit card account or suspend your right to use your credit card account, at any time for any reason, including account inactivity.

    Annual Free Night