Finding the best credit card rate isn’t always easy, especially when the bank issuing the credit card gets little press coverage. The FirstMerit Bank Platinum MasterCard credit card is one such credit card that offers one of the lowest credit card rates in the nation is garners very little attention.
The FirstMerit Bank Platinum MasterCard credit card offers an excellent credit card rate that is standard with the card, not a temporary low introductory offer that goes up to a higher rate after a few months.
The standard credit card rate for the FirstMerit Bank Platinum MasterCard credit card is a variable rate the currently ranges between 7.24% and 13.24%, the rate is based on the creditworthiness of the applicant. The credit card APR will vary with the market based on the Prime Rate.
The credit card also offers an introductory credit card rate for purchases and credit card balance transfers. The introductory credit card rate for purchases and for credit card balance transfers is 3.99% and applies to transactions during the first six billing cycles.
The credit card due date is at least 25 days after the close of each billing cycle. Account holders that pay off their credit card balance on purchases before the due date will not incur any interest any interest charges that month.
The FirstMerit Bank Platinum MasterCard credit card has no annual fee.
The bank credit card is issued as a MasterCard Platinum card and comes with the Platinum Benefits Package. The benefits package includes; an extended warranty that doubles the warranty period of the original manufacturer’s warranty up to a maximum of one year, purchase assurance protection to protect purchases for 90 days from actions such as theft, damage or loss, travel accidental death insurance for $1 million, lost luggage locator service, credit card replacement and cash advances for lost/stolen cards, roadside assistance and more.
There are certain restrictions, limitations, and exclusions to the benefits package, see the account terms and conditions for all of the details.
The bank credit card also offers online account access to my account to view new transactions, and keep track of the account at the account holder’s convenience.
FirstMerit Bank is part of FirstMerit Corporation which is a diversified financial services company headquartered in Akron, Ohio
The credit card review of the FirstMerit Bank MasterCard credit card presented by Bestcreditcardrates.com is believed to be accurate as of this publication date, however the rates and terms are subject to change. Please see the credit card application for details about terms and conditions.
Bestcreditcardrates.com provides the information on this credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
Bank credit cards with competitive introductory credit card rates include a fairly large array of credit cards. An introductory credit card rate of 3.9% is certainly not the lowest introductory rate available, but a 3.9% introductory credit card rate combined with standard credit card rate of 5.15% results in the best credit card rate available on the market.
The First Tennessee Bank Visa credit card offers one of the best credit card interest rates and has no annual fees. The introductory credit card rate is fixed at 3.9%, currently, and is good for the first six months on credit card purchases, credit card balance transfers, and credit card cash advances. After the introductory period ends the credit cad rate is a variable rate that will be between 5.15% and 13.15% based on credit worthiness of the card applicant.
The First Tennessee Visa credit card is put under the category of low rate credit cards. The credit card, unquestionably, comes with a low interest rate but this card also offers no other bells and whistles other than standard Visa credit card features. There are no credit card reward options, credit card cash back on purchases or other such common credit card programs.
The low credit card interest rate is a variable rate tied to the Prime Rate. The credit card margin that is added to the Prime Rate to determine the credit card rate for purchases and balance transfers is based on the credit history and other factors regarding the applicant and will range from 1.90% to 9.90%.
Additional features with the bank credit card include: auto rental insurance, $1,000,000 travel accident insurance, free year-end summary statement, warranty service, emergency credit card replacement, travel and emergency assistance service and 24-hour account access through ATMs.
The credit card issuer, First Tennessee Bank, is the largest bank based in Tennessee and is part of First Horizon National Corp which is one of the top 50 bank holding companies in the U.S. First Horizon National Corp provide customers with a broad range of financial products and services
Through its three major brands which include FTN Financial, First Horizon and First Tennessee.
Bestcreditcardrates.com makes every attempt to provide current and accurate content regarding the credit card offers. The credit card review and card information provided is accurate as of 09/10 but is subject to change by the credit card issuer. View the online credit card agreements for current pricing information and product offers.
Bestcreditcardrates.com provides the information on the First Tennessee Bank Visa credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate to fit their needs.
The KeyBank College Rewards credit card is marketed as a student credit card. The KeyBank College Rewards credit card is a student credit card that also offers credit card rewards. This credit card can be a good choice for students that carry a monthly credit card balance, since the best credit card rate that is offered with the card is one of the best credit card rates available for student credit cards.
For students who manage their money well and use credit responsibly, there are a number of advantages to having a credit card. The primary advantages of student credit cards are that they can be used in emergency situations and can be used to build a strong credit history. An individual’s credit history and score has become an increasingly important aspect of money management and can impact employers, lenders and various service providers.
The KeyBank College Rewards credit card has no annual fee. The credit card rate is a variable rate based on the Prime Rate. The current credit card rate for purchase transactions is between 11.99% and 20.99%, depending on the credit profile of the card applicant. The rate for credit card balance transfers is the same as it for purchase transactions
This KeyBank credit card also offers a flexible credit card rewards program. Credit card account holders can earn1 point for every $1.00 in net purchase transactions. The credit card also offers a bonus of 1,000 bonus points for the first use of a new credit card.
The MasterCard College Rewards credit card holders can redeem the reward points for cash, gift certificates, merchandise, discounted travel, and other products and services. Credit card account holders can earn a maximum of 30,000 credit card reward points per year with the MasterCard College Rewards Card.
The KeyBank MasterCard credit card comes with some standard features such as zero liability fraud protection, purchase assurance on qualifying purchases, auto rental and travel accident insurance as well as card services available 24/7.
The credit card grace period will extend for up to 24-30 days after the close of each billing cycle. There are no credit card interest charges on purchases if the entire credit card account balance is paid by the due date each month.
In order to obtain a KeyBank student credit card, the credit card applicant must at a minimum be a full-time student attending a college or university, be at least 18 years of age and a U.S. citizen or permanent U.S. resident.
Bestcreditcardrates.com offers up to date information on credit card offers such as the KeyBank College Rewards credit card, however the accuracy of the information is not guaranteed and the rates and terms are subject to change. Please verify the current credit card information with online credit card application.
For consumers interested in more student credit card offers, Bestcreditcardrates.com offers a complete list of student credit cards. To see additional student credit card offers refer to student credit cards section.
The Credit One Bank Visa® Platinum credit card is a standard bank credit card that is designed for consumers that have less than perfect credit.
This credit card is often marketed to consumers that have fallen behind in their credit card payments or other bills and may have suffered a decline in their credit scores. This type of credit card may help consumers rebuild their credit as well as gain access to credit with a credit card to make all sorts of purchases at retail stores including online credit card purchases and reservations.
The credit card company or credit card issuer of this credit card is Credit One Bank. Credit One Bank provides unsecured credit cards to consumers with less than perfect credit. The bank typically markets credit cards to subprime borrowers looking for increased credit access or consumers that want to build up their credit profile.
These credit cards can be very useful for consumers with credit issues however, the credit cards in this category can often come with high credit card interest rates and higher fees than traditional unsecured. The Credit One Platinum Visa credit card is one such card with above average rate and fees.
The Credit One Platinum Visa credit card comes with a credit line up to $1,500.00 but note; the approved credit card limit may be lower with a minimum credit card limit of $300.00. Higher credit card limits can be obtained with the bank’s automatic credit line increase reviews. Future credit card line increases may be granted based on the account holders overall credit performance.
The credit card rate is 23.90% for credit card purchase transactions and credit card cash advances. The credit card annual fee is $75.00. The credit card terms clearly state that the annual membership fee will be billed to your account when it is opened and will reduce the amount of your initial available credit. If your account is established with a credit line of $300.00, your initial available credit will be $225.00.
The Credit One credit card also provides online card access, online bill payment, and various customer services. As a Visa Platinum card, the credit card comes with $0 fraud liability and travel accident insurance.
Credit One offers a feature to new credit card holders that lets customers use personal photos and images to design their own Credit One Bank credit card. Users can upload and customize their photos on a Credit One Bank credit card or use photos from an image gallery to customize their card.
The Credit One Platinum Visa credit card is one of many credit cards available for consumers that poor credit. There are a number of Visa credit cards and MasterCard credit cards to meet a whole host of circumstances and needs. Searching among all of the credit card options at Bestcreditcardrates.com can help consumers find the best credit card with the best credit card rate to fit their needs.
Bestcreditcardrates.com does not guarantee the terms of the credit card offers, all of the information is deemed to accurate and reliable at the time of this publication. The information contained in these disclosures is accurate as of 5/2010 and may change after this date.
All credit cards are subject to the current terms and conditions of the credit card issuer. Consumers should always read the rates, terms and fees disclosure provided by the credit card issuer that can be found on the online credit card application before applying for a new credit card.
The Holland America Line Rewards Visa credit card is a travel rewards credit card. This credit card is specifically designed for cruise travelers that frequent the Holland America Cruise Lines.
The Holland America Line Credit Card allows credit card holders to earn Holland America Points or credit card rewards points which they can redeem for cruise related rewards. Credit card holders will earn one reward point for all net purchases made with the card and double reward points for net purchases made for cruises and onboard transactions with Holland America.
There is added bonus for new credit card holders of 5,000 bonus points after making the first purchase transaction with the credit card. An additional inducement to use the credit card is the balance transfer reward points that can be earned for new credit card holders. Credit card holders will earn one reward point for every $1.00 in credit card balance transfers that are posted to a new credit card account in the first thirty days after a new account is opened. There is a maximum of 5,000 total Holland America Reward Points that can be earned with this balance transfer bonus.
There is no annual fee with this bank credit card. The credit card rate is a variable rate based on the Prime Rate. The credit card rate is currently at 11.24%, 13.24% or 17.24% depending on the credit profile of the credit card applicant. The card comes with an introductory credit card rate for new balance transfers that are at 0% for the first six billing cycles after opening a new account.
The credit card due date is at least 23 days after the close of each monthly billing cycle. Credit card balances that are paid in full prior to the due date will not incur interest charges on purchases.
For consumers that to travel frequently by cruise and use the Holland America Line this can be a rewarding credit card. Before choosing any specific rewards credit card, it is always beneficial to shop and compare the credit cards that are available within the category or in similar credit card categories since there may be other cards that will allow card holders to get discounts, benefits or other valuable rewards that compare or surpass the benefits found with this credit card.
The credit card review of the Holland America Line Rewards Visa credit card presented by Bestcreditcardrates.com is believed to be accurate as of this publication date; however the rates and terms are subject to change. Please see the online credit card application for details regarding current terms and conditions.
Bestcreditcardrates.com provides the information on this credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
The Virgin America Visa credit card is an airlines reward credit card that will give cardholders the ability to earn rewards for the airline’s Elevate frequent flyer program.
The bank credit card is a cobranded card in which Virgin America has partnered with Barclays to offer the card. The Virgin America Visa credit card has no annual fee.
Virgin America is a California based airline that went into business in the U.S. in the past ten years. Barclaycard US is based in Wilmington, Del and offers cobranded credit cards for a variety of travel, entertainment, retail and financial institutions, including US Airways, Best Western, Carnival Cruise Lines, Travelocity, L.L.Bean, Barnes & Noble, BJ’s Wholesale Club and UBS.
The reward points that can be earned by making purchases with Virgin Atlantic is the key attribute to this credit card. Credit card holders have the ability to earn three points for every $1.00 in net purchases made on Virgin America tickets or in-flight purchases. Virgin America Visa credit card holders can also earn one point for every $1.00 spent on all other purchases. In addition, credit card holders can earn an additional 300 bonus credit card reward points for every $5,000.00 spent on the card annually up to a maximum of 1,200 annual bonus points.
As an introductory offer for new credit cards, card holders can earn 2,500 bonus points with the first purchase made with the credit card as well as 1 bonus point per $1.00 on the first credit card balance transfers made in the first 30 days of obtaining a new credit card up to a maximum of 2,500 bonus points.
The credit card currently offers a 0% introductory credit card APR on credit card balance transfers for the first six billing cycles after opening a new account.
The standard credit card rate is currently between 15.24% or 18.24% as a variable rate based on the Prime Rate. The credit card rate is determined upon credit card approval and is based on the credit worthiness of the applicant.
The credit card due date or grace period is at least 23 days after the close of each billing cycle. There will not be any credit card interest charged on purchases if the entire balance is paid by the due date each month.
Bestcreditcardrates.com tries to deliver accurate credit card reviews and information, however, this information is not guaranteed. Before completing a new credit card application, consumers should read the credit card terms and conditions found on the online credit card application.
Bestcreditcardrates.com provides the credit card review on the Virgin America Visa credit card and credit card market information to help consumers find the best credit card and best credit card rate to fit their needs.
The Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® credit card is rewards credit card issued by Bank of America. This is bank credit card that provides maximum reward points for consumers that shop at Bass Pro Shops.
With the Bass Pro Shops credit card, consumers that shop for Bass Pro Shop branded merchandise can save money in the form of cash back and rewards points earned every time they buy from a Bass Pro retailer. With the credit card rewards program on this credit card, card holders can earn reward points which can be used for discounts on future purchases at Bass Pro Shops.
The credit card rewards hit a maximum of 4% on net retail purchases made on Bass Pro Shops-branded merchandise. Credit card holders can also earn 2% on net purchases made at Bass Pro Shops retail stores, catalogs or at basspro.com. And finally, card holders will earn credit card rewards totaling 1% made on all other net purchases.
The credit card rewards can be redeemed for credit towards future purchases of qualifying Bass Pro Shops merchandise at any Bass Pro Shops® retail location, through the catalog or with online purchases.
There is no limit to the amount of credit card rewards that may be earned per year. This bank credit card also has no annual fee.
The credit card rate is a variable rate that is currently between 12.99% and 20.99% depending on the credit profile of the credit card applicant. At the current time, the credit card has an introductory 0% credit card rate offer. The zero percent introductory credit card rate applies to purchases and credit card balance transfers made within the 60 days of obtaining a new credit card. The introductory credit card rate will last for a period of 7 to 10 billing cycles depending on the credit profile of the card applicant.
The Bass Pro Shops credit card provides other benefits that come with Bank America Platinum Visa card, including; online banking service, zero liability from unauthorized card use, travel and emergency assistance, automatic auto rental insurance, purchase replacement coverage on purchases that are stolen, damaged or lost, within 90 days of purchase, additional cards at no extra charge and more. Additional benefits will have specific terms and conditions.
The credit card review is believed to be accurate at time of publication, however, information posted may have changed since the update and the terms are not guaranteed. Please refer to the terms and conditions statement found on the online credit card application to receive the most accurate terms and conditions.
Bestcreditcardrates.com provides credit card reviews and credit card market information to help consumers find the best credit card and best credit card rate to fit their needs.
The NASCAR RacePoints Platinum Plus Visa credit card is a rewards based credit card that is geared towards sports fan. This bank rewards credit card is specifically targeted at NASCAR fans. Purchases made with the credit card will earn points that can be redeemed for exclusive NASCAR memorabilia, merchandise, event tickets, and more.
For sports fan interested in memorabilia and discounts for events and merchandise, these types of credit cards are worth reviewing. The NASCAR RacePoints Platinum Plus Visa credit card is designed for consumers that want to express their support for NASCAR and plan to take advantage of the rewards program.
The NASCAR RacePoints Platinum Plus Visa credit card is issued by FIA Card Services. There is no annual fee for having the credit card.
Credit card holders can earn 1 point for every $1.00 in net purchases made with the credit card. Points are redeemable for unique NASCAR licensed collectibles, autographed NASCAR products, die cast cars, driver jackets, on-track driving events, and access to special promotions. A full list of NASCAR RacePoints Rewards can be found in the online Rewards Catalog on the NASCAR RacePoints website.
The credit card comes with a fixed introductory credit card rate on purchases and credit card balance transfers that are made in the first 60 days of obtaining a new credit card. The introductory credit card rate is at 0% APR and applies for a period of 7 to 10 months or billing cycles depending upon the credit worthiness of the applicant.
The standard credit card rate is between 12.99% – 20.99% as a variable rate. The credit card rate is dependent on the credit worthiness of the credit card applicant.
The credit card due date or grace period will be at least 25 days after the close of each billing cycle. There is no credit card interest charges on purchases if the entire credit card balance is paid by the due date each month.
The credit card issuer, FIA Card Services, is part of Bank of America. Bank of America is one of the largest financial institutions in the world. Bank of America is one of the largest credit card issuer in the world, with operations in the United States, United Kingdom, Ireland, Spain and Canada. Their product line includes low interest rate credit cards, business credit cards, cash back credit cards, student credit cards, rewards credit cards and more.
Bestcreditcardrates.com Provides credit card reviews and credit card market information to help consumers find the best credit card and best credit card rate for their needs.
The credit card information is current as of this publication date but is not guaranteed. Please review the credit card application for current rates and terms.
The China Airlines MasterCard is listed as an airline credit card that is best suited for consumers that frequently use China Airlines. The China Airlines MasterCard is issued by Barclays Bank based in Delaware.
The China Airlines MasterCard is available with two different options, one with an annual fee and one without. Credit card reward benefits will vary depending upon the type of credit card obtained.
Airline miles earned with credit card use is credited to the account holders Dynasty Flyer Program Account which is the frequent flyer program of China Airlines.
With the no annual fee China Airlines MasterCard credit card holders can obtain up to 7,500 in bonus airline miles with 2,500 bonus miles becoming available with the first use of the card and up to 5,000 additional bonus airline miles for credit card balance transfers.
Other than the bonus miles offers, the credit card allows users to earn 1 airline mile for every $1.00 in net purchases made on China Airlines travel or 1 airline mile for every $2.00 in net purchases made anywhere else other than China Air.
The other card option is the annual fee China Airlines MasterCard credit card. The annual fee for this bank credit card is $59.00 annually. The annual fee credit card holders can obtain up to 12,500 in bonus miles with 7,500 bonus miles becoming available with the first time use of the credit card and up to 5,000 additional bonus miles for credit card balance transfers.
With the annual fee option, the card holder can also earn air miles rewards other than the bonus miles offers. The credit card allows users to earn 2 airline miles for every $1.00 in net purchases made on China Airlines travel or 1 airline mile for every $1.00 in net purchases made anywhere else.
The credit card rate on the China Airlines MasterCard credit card is a variable rate that is currently either 15.24% or 18.24% depending on the credit history of the credit card applicant. The variable credit card APR with change with changes in the Prime rate.
The credit card also has an introductory credit card rate for credit card balance transfers. The credit card balance transfer rate is a 0% introductory APR for the first six billing cycles after a new credit card account opening.
Before applying for this credit card or completing any new credit card application be sure that to compare and review all comparable travel credit cards and airline credit cards to find the best credit card with the best credit card rate.
All information presented by Bestcreditcardrates.com regarding the review of the China Airlines MasterCard credit card is believed to be accurate at the time of this publication but the information is not guaranteed and is subject to change by the credit card issuer. Please review the online credit card application for details about current credit card terms and conditions.
The Air Jamaica credit card is a MasterCard airline rewards card issued by Barclays Bank in Delaware. The Air Jamaica credit card is categorized as a travel rewards credit card. The clear advantage of this credit card is for frequent customers of Air Jamaica. This is bank credit card that uses the MasterCard worldwide network.
Air Jamaica MasterCard credit card holders will receive two rewards miles for every $1.00 spent on Air Jamaica travel with the card. Card holders can also earn one reward mile for every $1.00 in qualifying purchases made everywhere else.
New credit card holders can earn an additional 5,000 bonus reward miles that will be awarded at the close of the first billing statement after the card holder makes their first qualifying purchase or balance transfer.
In addition, card members can earn up to 10,000 bonus reward miles for make their first qualifying balance transfer on to the card. The bonus miles for balance transfers are earned based on one mile earned for every $1.00 in balances that are transferred to a new credit card account within the first 30 days the account is opened, up to a maximum of 10,000 bonus miles.
There is no annual fee for this card. The credit card rate is based on a variable rate toed to movement on the Prime Rate. The current credit card rate for purchases transactions will range between 15.24% and 18.24%, depending on the credit profile of the credit card applicant.
There is a promotional introductory credit card rate for credit card balance transfers. The promotional introductory rate is for 0% for the first six billing cycles after the credit card account is opened.
The grace period listed for the Air Jamaica MasterCard is 23 days. The credit card due date will be at least 23 days after the close of each billing cycle. There are no credit card interest charges for purchase transactions made that are paid before the grace period days as long as the credit card balance is paid in full each month.
When trying to find the best travel rewards credit card, search for an airline that is convenient for use and will add benefits with points redeemable for free flights, upgrades and more.
The credit card review of the Air Jamaica MasterCard credit card presented by Bestcreditcardrates.com is believed to be accurate as of this publication date, however the rates and terms are subject to change. Please see the credit card application for details about terms and conditions.
Bestcreditcardrates.com provides the information on this credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
JetBlue Card from American Express credit cards is a rewards credit card that is geared towards frequent users of JetBlue airlines. The JetBlue Card from American Express gives credit card holders the opportunity to earn free or reduced airline travel by earning reward points on credit card purchases.
Card holders can earn up to eight rewards points on eligible JetBlue purchases based on a convoluted rewards system between American Express and JetBlue.
American Express JetBlue credit card holders can earn three points for every $1.00 in eligible purchases made plus three bonus reward points for booking on jetblue.com on eligible JetBlue flights. In addition, card holders that make the JetBlue purchase with a JetBlue Card from American Express can earn an additional two reward points for every $1.00 spent.
American Express JetBlue credit card holders will earn 1 point for every $1.00 that is spent anywhere else for any number of standard credit card transactions.
New credit card holders can earn an additional 10,000 reward points with the first airline ticket purchased with the credit card.
There are no blackout dates on the points earned for flights, points can be redeemed for any seat at anytime.
The purchase credit card rate on the American Express JetBlue credit card is a variable rate based on the prime rate, the current credit card rate is 15.24%. The credit card has an introductory credit card rate for balance transfers that is at 3.9% for the first 6 months on balance transfers requested within 30 days of a new credit card account opening.
This American Express credit card comes with a 25 day grace period. The credit card payment due date is at least 25 days after the close of each monthly billing period. There are no credit card interest charges on purchases if the entire balance is paid by that due date.
The American Express JetBlue credit card has a $40.00 annual fee.
The JetBlue Card from American Express also provides a variety of other benefits. The credit card offers purchase protection and extended warranty protection with limitations on purchases, provides up to $100,000.00 in travel accident insurance, emergency card replacement, travel assistance and special discounts.
American Express also offers a number account management options that include mobile phone access and online access.
The credit card review of the JetBlue Card from American Express presented by Bestcreditcardrates.com is believed to be accurate as of this publication date; however the accuracy can not be guaranteed. For current information on the JetBlue Card from American Express, see the online credit card application for details about terms and conditions.
Bestcreditcardrates.com provides the information on this credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
The Nordstrom Signature Visa credit card is a shopping reward credit card for the retailer Nordstrom. The bank credit card is issued by Nordstrom Bank which is a federally chartered savings bank and a wholly owned subsidiary of Nordstrom, Inc.
Nordstrom offers four different cards to choose from including the Nordstrom Signature Visa credit card. With the Nordstrom bank Visa credit card, card holders can earn points as well as obtain a variety of added benefits from Nordstrom stores.
For every 2,000 credit card rewards points earned, the account holder will automatically receive a $20 Nordstrom Note.
The reward points are earned at the rate of two rewards points for every $1.00 in net purchases made at Nordstrom including Nordstrom, Nordstrom.com, Nordstrom Rack and through the store catalog. Card holders will also earn one credit card reward point for every $1.00 in net purchases made for anything else made with the Visa credit card.
Card holders can also earn bonus rewards points at special times throughout the year on Nordstrom purchases. Current examples of bonus point offers includes earning double rewards points during the Half-Yearly Sale for Men on June 18–20, double rewards points during the Anniversary Sale on July 16–20, double rewards on the Half-Yearly Sale for Women & Kids on a November 3–6 and the Half-Yearly Sale for Men on December 26–28 as well as triple points on September 22–26
The Visa Signature credit card also offers an optional travel reward program. With the travel rewards points, credit card holders can earn one rewards point and one travel rewards point for each $1.00 in net purchases at Nordstrom as well as one travel point for each $1.00 in net purchases made anywhere else Visa credit cards are accepted.
The credit card rate on this card is a variable rate based on the Prime Rate. The current credit card rate will either be 10.90%, 14.90%, 18.80 or 22.90% depending on the credit profile of the credit card applicant.
The Nordstrom credit card has a 25 day grace period. All purchase transactions paid off before the grace period will not accrue interest charges as long as the account credit card balance is paid in full.
There is no annual fee with the credit card.
Bestcreditcardrates.com makes every attempt to provide the most accurate data possible on credit card reviews; however the accuracy can not be guaranteed. For current information on the Nordstrom bank Visa credit card, see the online credit card application for details about terms and conditions.
Bestcreditcardrates.com provides the information on this Visa credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
The US Bank AeroMexico Visa credit card is a travel rewards credit card issued by US Bank, the fifth largest bank in the nation. This air miles reward credit card works best for those travelers that use AeroMexico airlines. AeroMexico is Mexico’s major transcontinental airline.
With the travel credit card rewards program that comes with the card, for every $1.00 in net purchase the credit card holder makes they receive one Club Premier Mile. New credit card holders will receive a 15,000 bonus miles with their first use of the card.
The AeroMexico Visa Card offers travel reward opportunities for U.S. residents and business travelers. The credit card miles can be redeemed for travel to more than 40 Mexican locations and US cities serviced by the airline, as well as a number of other international cities served by AeroMexico network including such as Madrid, Paris, Rome and Tokyo.
Credit card holders are automatically signed up for Club Premier, the airline’s frequent flier program. The Club Premier membership benefits include bonus miles, free upgrades, free access to the AeroMexico lounges in airports around the world and other promotions.
Credit card holders are also eligible for a 10% discount on AeroMexico airfare purchases as well as double reward miles on Aeromexico airfare purchases.
Upon renewal of the credit card, the credit card holder will receive an additional 2,000 bonus miles along with a $99.00 companion ticket.
The credit card rate for this card is a variable rate based on the Prime Rate. The current credit card rate is between 12.99% and 19.99% depending on the credit profile of the credit card applicant. The credit card APR will change based on changes to the prime rate.
The US Bank credit card grace period is 24 – 30 days after the close of the billing cycle. There are no credit card interest charges if the entire credit card balance is paid off before the due date each month.
There is no annual fee for the first 12 months, after that period the credit card annual fee is $45.00.
Additional US Bank Visa credit card benefits include: the ability to use the card at more than 1,000,000 ATMs worldwide, warranty services, travel and emergency assistance services, travel accident insurance as well as free Internet banking to view history, check the credit card balance, view the credit card statement and more
Bestcreditcardrates.com makes every attempt to provide the most accurate data possible; however the accuracy can not be guaranteed. For current information, see the online credit card application for details about terms and conditions.
Bestcreditcardrates.com provides the information on the US Bank credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
PenFed has introduced a new credit card that has one of the best credit card rates in the nation and has no add on fees.
The PenFed Promise credit card is a straight up low rate credit card. The credit card rate is a variable rate that is currently at 9.99%. The credit card rate is a variable rate based on the Prime Rate plus a margin.
The credit card also has a low introductory credit card rate of 7.49% APR which is an introductory purchase APR that lasts for the first 36 months. The introductory credit card rate also applies to credit card balance transfers at the 7.49% promotional APR for 36 months.
The credit card not only has no annual fee but has no credit card balance transfer fee, no late payment fee on monthly credit card payments, no over credit card limit fee and no credit card cash advance fee.
The PenFed credit card has a 25 day grace period in which the monthly payment due date is at least 25 days after the close of each billing cycle. Credit card holders are not charged interest on purchases if they pay the entire credit card balance by the due date each month.
Pen Fed Promise Visa credit card holders are required to subscribe to the e-statement service that is provided for all credit card accounts with PenFed.
The PenFed credit card is issued by Pentagon Federal Credit Union, a federally chartered credit union. PenFed serves members in the Air Force, Army, Coast Guard, Department of Homeland Security, Department of Defense, defense-related companies, and the Veterans of Foreign Wars.
This card has easy to understand features. The card comes with no credit card rewards program or additional perks and benefits other than those that come with the Visa credit card network. The low rate credit card has no gimmicks and keeps the costs of the credit card at one of the lowest available in the credit card market.
All credit card information is current as of this publication date but is subject to change by the credit card issuer. See the credit card agreement for current details on the credit card rates and terms.
Bestcreditcardrates.com provides the information on the PenFed Promise credit card as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate.
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The Barnes & Noble MasterCard is a rewards credit card that is issued by Barclays Bank Delaware. This bank credit card is a store or brand specific rewards credit card. Rewards, gift certificates, and rebates are targeted for the greatest benefit for purchases from one specific merchant. This card is geared for Barnes & Noble regular customers.
The credit card rewards program that comes with the Barnes & Noble MasterCard includes a 5% credit that is posted to the credit card account for all purchases made at Barnes & Noble store and online with the exception of any discounted Barnes & Noble Gift Cards.
Credit card holders can earn one reward point for every $1.00 made for any qualifying purchases. Once the amount of rewards points reach 2,500 the account holder will automatically receive a $25.00 Barnes & Noble Gift Card.
As a bonus for new credit card accounts, new card holders receive a $25.00 Barnes & Noble Gift Card after making their first purchase.
The credit card is branded as a MasterCard and the credit card can be used anywhere MasterCard is accepted.
The credit card has a zero percent introductory credit card rate for balance transfers that is good for the first six billing cycles. The standard credit card rate is a variable rate that may be as low as 13.74% currently or may be 17.74% or 21.74% depending on the credit profile of the card applicant. The credit card rate is based on the Prime Rate plus a margin.
The credit card has no annual fee.
The credit card grace period is 23 days after the close of the billing cycle. There are no interest charges applied to the account if the account holder pays off the entire balance by the due date each month.
Bestcreditcardrates.com provides the information on the Barnes & Noble MasterCard as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate.
Reasonable efforts are made to maintain accurate information regarding the credit card offer, however all credit card information is presented without guarantee. Please see the credit card application for details about the current terms and conditions.
Commerce Bank offers credit cards that have a number of benefits and credit card rewards. The Commerce Bank Special ConnectionsSM Visa® card is a credit card that offers a rewards program and one of the best credit card rates available.
This is a good, multipurpose credit card that has no annual fee and a credit card rate that is currently available at 10.24% to 20.24%. There are no gimmicks with this credit card, a simple low rate with some rewards and no annual fee.
The bank credit card comes with a zero percent introductory credit card rate for a period of six months on purchases and credit card balance transfers.
After the introductory credit card rate period ends, the credit card rate will be between 10.24% to 20.24% depending on the creditworthiness of the credit card applicant. The credit card APR is a variable rate and will vary with the market based on the Prime Rate.
The Commerce Bank credit card offers rewards to account holders that also have a qualifying Commerce Bank checking account. Card holders with the checking account are able to receive complimentary rewards program benefits. Credit card reward points that are earned can be redeemed for credit card cash back, retail merchandise, gift cards, air travel and more.
The credit card is issued by Commerce Bank which is a regional bank headquartered in Missouri. Commerce Bank operates bank locations in Missouri, Kansas, Illinois, Oklahoma and Colorado and is one of the 100 largest banks in the U.S.
The bank Visa card also includes an assortment of other free features and services. Additional credit card features include no additional cost for 100% fraud liability protection on unauthorized transactions, travel and emergency roadside assistance, free convenience checks and more.
The credit card review is believed to be accurate as of this publication date but is subject to change at any time by the credit card issuer. All credit card information is presented without guarantee. Before applying for a new credit card read the current credit card terms and conditions.
Bestcreditcardrates.com provides the information on the Commerce Bank credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
The Accelerated Rewards® American Express® Card issued by AmTrust Bank is low rate credit card with a very competitive rewards program.
This credit card is issued by AmTrust Bank which is now a division of New York Community Bank, one of the largest savings banks in the U.S.
The AmTrust Bank Accelerated Rewards credit card is a no annual fee credit card.
The credit card comes with an introductory credit card rate at zero percent for purchases and credit card balance transfers that will last for either seven months or ten months depending on the credit profile of the applicant. After the introductory credit card rate period expires the standard credit card rate for purchase transactions is between 12.99% and 20.99% depending on the credit evaluation if the applicant.
The credit card rewards program is a point based rewards system in which the card holder will earn 1.25 points for every $1.00 spent on net retail purchases.
There is no limit on the amount of reward points that the card holder can earn. Credit card reward points will expire after a period of 5 years.
The credit card rewards program is a flexible program. Credit card holders can select from travel or cash rewards, merchandise or other services. Credit card points can be redeemed for a number of different options including; credit card cash back, air travel on any major U.S. airline with no blackout dates, gift certificates, retail merchandise or hotel and car rental reservations.
Additional features found with the AmTrust Bank Accelerated Rewards credit card include; zero liability fraud protection against unauthorized use and charges, online customer service and 24-hour telephone customer service access to 24 hour concierge service.
Accelerated Rewards account holders can obtain special offers for travel, dining, and shopping as well as an optional dining and hotel savings program. The bank credit card holders can also view credit card account activity, pay their bills or download statements online.
The credit card review is believed to be accurate as of this publication date but is subject to change at any time by the credit card issuer. All credit card information is presented without guarantee. Before applying for a new credit card read the current credit card terms and conditions.
Bestcreditcardrates.com provides the information on the AmTrust Bank Accelerated Rewards® American Express® Card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.
The EverBank Visa Platinum credit card is a very competitive credit card with one of the best credit card rates, no annual fee and a credit card rewards program.
The credit card rate for the EverBank Visa Platinum Card for purchases is on a variable rate and may be as low as 9.90%. As with most all variable credit card rates, the EverBank Visa credit card variable rate is based on the Prime Rate plus a margin. A margin of 1.90% is added to the Prime Rate for purchase transactions with a minimum credit card rate of 9.90%.
A margin of 10.90% is added to the Prime Rate Index for credit card cash advances and
12.90% is added to the Prime Rate Index for credit card purchases and cash advances if the credit card holder is in default.
The EverBank credit card rewards program is an optional rewards program, the credit card holder is not automatically enrolled in the rewards program. The rewards program enables the credit card holders that participate in the program to earn points that may be redeemed for various rewards options.
There is a $49 annual fee or Enhancement Fee to participate in the rewards program. Bank credit card holders that take part in the rewards program can earn one point for every $1.00 spent on eligible net purchases with the credit card.
Point redemption levels may be found on an online catalog that is part of the rewards program. Reward options include merchandise, gift certificates and travel options.
The number of credit card rewards points that the account holder can earn in a calendar year is unlimited. But, the reward points will expire at the end of the third year in which they were posted to the card holder’s account.
Other benefits that come with the EverBank credit card include: auto rental insurance coverage, travel accident insurance for air travel tickets and travel and emergency assistance.
The bank credit card offer is available for EverBank customers which means new credit card applicants must have a deposit account with EverBank.
There is no annual fee with this credit card offer.
A new credit card application can be obtained and completed online securely and quickly.
Bestcreditcardrates.com makes every attempt to provide content regarding the credit card offers that is up to date; however the terms of the credit card offer can not be guaranteed. To view the most current rates and fees please see the current terms and conditions from the credit card issuer.
Bestcreditcardrates.com provides the information on the EverBank credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate to fit their needs.
The bank credit card from First Command Bank is promoted as being the ideal credit card for students, first-time cardholders, and account holders that want build a credit history. This promotion makes it sound like this is a high rate credit card for those with less than perfect credit, but this bank credit card is far from in that category. The First Command Bank Classic Visa credit card simply has one of the best credit card rates with a fixed rate available in the market.
The First Command Bank Classic Visa credit card comes with a fixed rate with no annual fee. This credit card rate is not an introductory rate or promotional rate that increases at a later period. The current credit card rate for the First Command Bank Classic Visa credit card is 10.25% fixed.
Along with no annual fee, the Visa credit card has no over credit limit fee, no balance transfer fee or an online account access fee. There will be charges or fees for any returned payments, late monthly credit card payments and credit card cash advances.
The minimum credit limit is a low $200.00. The bank will inform the cardholder of the credit limit upon approval and from time to time may adjust the maximum credit card limit that may be outstanding in the account at any time.
The credit card also allows card holders to earn rewards points you can earn points through the Free ScoreCard rewards program with card use. This is a free credit card rewards program that earns points that can be redeemed for travel and merchandise.
The credit card has a 25 day grace period on purchase transactions. The payment due date for card holders on the First Command Bank Classic Visa is at least 25 days after the close of each billing cycle. During the 25 day grace period these is no interest charges on purchases if the entire credit card balance is paid by the payment due date. Interest charges due accrue immediately on credit card cash advances.
The default credit card APR is 18%. The default APR may be applied to credit card account holder’s full balance has become due and payable and the cardholder has been notified of the APR increase.
The Visa credit card also has some of the standard features such as; travel and emergency assistance, vehicle rental insurance, warranty service, emergency cash disbursement and credit card replacement and a zero fraud liability program.
Bestcreditcardrates.com provides comprehensive credit card rate information on a variety of credit cards including the First Command Bank Classic Visa credit card as well as other tools and resources to help consumers select the best credit card with the best credit card rate.
A new credit card from First Command Bank can be obtained by contacting First Command Bank customer service representatives at 1-888-763-7600.
The Applied Bank® Platinum Secured Visa® Gold Credit Card is a secured credit card that requires a deposit to open the account. These types of credit cards can be very expensive and should be reviewed carefully before applying for a new credit card.
The Applied Bank® Platinum Secured Visa® Gold Credit Card does have some appealing attributes in the secured credit card market. This secured credit card has one of the best credit card rates on the market.
To open the credit card account an applicant will need to open a bank account in their name at Applied Bank. Applied bank is an FDIC Insured bank. The bank deposit will secure the new Visa® credit card from Applied Bank with a credit limit equal to $500.00 or the amount of the deposit held by the bank. The minimum balance required to open the deposit account that secures the credit card use is $500.00, this account does not earn interest.
As with most secure credit cards, the Applied Bank secured card does not require a credit check.
The credit card rate for purchases with card is set at zero percent. Since no interest charges accrue on purchase transaction, there is no grace period with the account. There is a credit card rate of 9.99% for credit card cash advances.
There is no application fee fro the credit card but it does have a $9.95 monthly maintenance fee which remains in effect as long as you have the card. This fee is charged regardless of whether the credit card is used or not.
The Applied Bank® marketing material states that card does furnish information about the card holder’s account to consumer reporting agencies. This feature is an important element to a secured credit card since most all secure credit cards are used by consumers with bad credit. Secured credit cards are just one option for people with either no or poor credit history but looking to build or rebuild their credit.
As with most all credit cards, secured or otherwise, the credit card account holder will not be liable for unauthorized use that occurs after notifying the bank of the loss or theft, or possible unauthorized use of the credit card, credit card cash advance checks, or the account. In any case, the credit card liability will not exceed $50.00.
The bank credit card account t holder can pay the entire credit card balance at any time, without incurring a penalty or premium. Even with the secured deposit, whenever there is a balance due on the account, the account holder must pay at least the minimum payment due before the payment due date shown on the credit card statement. There is a late payment fee on the account of $32.00.
The Applied Bank® Platinum Secured Visa® Gold Credit Card is issued as a bank Visa credit card and is accepted everywhere the Visa logo is displayed at merchants, for online transactions for reservations and more.
Applied Bank is a FDIC insured Delaware State Chartered Bank headquartered in Wilmington, Delaware.
Bestcreditcardrates.com makes every attempt to provide content regarding the credit card offers that is up to date; however the accuracy can not be guaranteed. To view the most current rates and fees please see the current terms and conditions from the credit card issuer for the credit card.
The essential process to understanding how to obtain the best credit card and the best credit card rate is to gain knowledge about the credit card market and credit card offers. Bestcreditcardrates.com provides the information on the Applied Bank credit card as well as other credit card reviews and resources to help consumers choose the right credit card to fit their needs.
Wells Fargo offers a fairly standard but competitive credit card for college students called the Wells Fargo Cash Back College Card. The credit card comes with a low introductory credit card rate, credit card cash back rewards program, Visa credit card benefits and good online services.
Since this credit card is marketed to college students, in order to qualify for a Wells Fargo College Credit Card the applicant must be at the age of majority in the state they reside in, be able to show proof of enrollment in an accredited college, university or trade school, and meet other credit qualifications established by the credit card company.
The introductory credit card rate is between 7.90% to 13.90% for the first 6 months. The introductory credit card rate is determined based on the credit profile of the applicant. The introductory credit card rate applies to purchases and balance transfers.
After the introductory credit card rate period, the credit card APR will be 14.15% to 21.15% as a variable rate, again based on the credit profile of the credit card applicant.
The credit card rate is an adjustable or variable rate card based on the prime rate plus a margin. The margin for purchases and balance transfers will be 10.90% to 17.90%, based on the credit profile of the credit card applicant.
The credit card cash back rewards feature allows card holders the ability to earn 1% cash back on all credit card purchases. There is no limit to the amount of credit card rewards that can be earned. The cash back rewards can be applied as a statement credit or sent as a check or even automatically deposited into a savings or checking account.
Other features included with the Wells Fargo Cash Back College Card include free email alerts for credit limit notices, payment due dates, and more. Free online account access to review transactions, transfer funds and more.
This Wells Fargo credit card has no annual fee.
All credit card information is deemed to be reliable and timely but is presented without guarantee. Credit card offers are subject current terms and conditions of the credit card issuer. See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms.
Bestcreditcardrates.com provides the information on the Wells Fargo credit card as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate.
A new credit card from Wells Fargo can be obtained by filling out an online credit card application, calling Wells Fargo or visiting a Wells Fargo location.
For information on Wells Fargo certificate of deposit please visit our affiliate publication, www.selectcdrates.com under the heading Wells Fargo CD rates. Wells Fargo mortgage rates can be reviewed at www.findlocalmortgagerates.com.
The Free Spirit Onyx World MasterCard or Spirit Airlines MasterCard is a travel rewards credit card that is issued by Barclays Bank Delaware.
This credit card is an option for consumers that have good credit searching for a new credit card with an airline miles reward program. The credit card offers the greatest benefit for those consumers who regularly purchase airline travel from Spirit Airlines.
The standard rewards program for the bank MasterCard holders includes the ability to earn three miles for every $1.00 of net purchases of Spirit Airline tickets with the account. Otherwise, credit card account holders will earn one mile for every one dollar $1.00 of net purchases made anywhere else.
The bank credit card rewards new credit card holders with a 15,000 bonus miles after using the credit card with 60 days for purchase transactions or credit card balance transfers.
There is a distinction between the World MasterCard credit card and the Platinum MasterCard. Like all non prepaid credit cards or secured credit cards, the credit card offer is subject to credit approval. The benefits outline above is for the World MasterCard, benefits will vary depending upon which credit card the applicant is approved for. Not everyone will qualify for the World MasterCard for Barclays; credit card applicants may receive a Platinum card instead of the World credit card.
Spirit Airlines offers an additional bonus for new credit card holders. Consumers who apply for and are approved for the FREE SPIRIT™ MasterCard through their current offer will have the opportunity to earn an additional 25,000 bonus miles from Spirit Airlines. This promotion requires customers to register for this promotion at spiritair.com.
The additional bonus miles from Spirit Airlines includes the awarding of additional bonus miles for qualifying air travel on round trip flights taken on Spirit Airlines flights within one year of registration for the promotion. The credit card account holder will receive 5,000 miles if they take a total of four round trip flights, an additional 5,000 miles if they take a total of seven round trip flights, an additional 5,000 miles if they take a total of ten round trip flights, and an additional 10,000 miles if they take a total of at least twelve round trip flights during the specified time period. The airline miles awarded cannot exceed 25,000 total miles.
The credit card also offers a complimentary month to month membership in the $9 Fare Club if the account holder makes at least one purchase in each billing cycle with the MasterCard.
The credit card rate for this card is a variable rate based on the prime rate. The current credit card rate will be either 15.24%, 18.24% or 22.24% based on the credit profile of the applicant. The credit card has an introductory zero percent rate for the first six billing cycles for credit card balance transfers. The APRs noted above are current as of 4/29/2010 using a Prime Rate of 3.25%.
Bestcreditcardrates.com does not guarantee the terms of the credit card offers, all of the information is deemed to accurate and reliable at the time of this publication. The information contained in these disclosures is accurate as of 5/2010 and may change after this date.
All credit cards are subject to the current terms and conditions of the credit card issuer. Consumers should always read the rates, terms and fees disclosure provided by the credit card issuer before applying for a new credit card.
Bestcreditcardrates.com provides this information and as well as other tools and resources to help consumers select the best credit card with the best credit card rate.
The American Express Zync credit card is a new rewards credit card that has hit the market. The American Express Zync credit card main attraction is the multiple rewards options that are available. The American Express card that let’s the account holder choose which rewards they want added to the card.
As with many of American Express credit cards, this card is a charge card. Charge cards require the account holder to pay the balance in full each month. Standard credit cards allow the account holders the option to carry a balance from month to month. Since it is a charge card and not a standard credit card there are no balance transfer options as well.
The rewards options on the card are called Packs. The card holders could choose between rewards programs or Packs such as travel, food and dining, and even ecological based rewards. Each of the rewards options or Packs offers special deals and discounts for that associated reward program.
This charge card appears to be geared towards young adults and American Express may be looking to capitalize on the push away from more credit card debt and promote the paying off card balances in full each month. As a charge card instead of a credit card, not only do account holders pay the balance in full each month but there are no special purchase transaction, cash advance or default credit card rates and APR’s. And unlike a debit cards there are no overdraft fees.
The monthly spending limit or the equivalent of a credit card limit on standard credit cards is determined by American Express based on the credit card applicant’s credit history and other factors. Charge cards generally, have their information posted as part of an individuals credit history. Since charge cards don’t have a set credit limit, as credit cards do, some credit reporting agencies will report the charge card’s highest balance to date as its credit limit in an individuals credit report.
The charge card does offer fraud and purchase protection so that if your card gets stolen or there are issues with purchase commitments, the card holder has protections against these charges.
This card requires an application just like a credit card. And just like a standard credit card rewards programs, the charge card earns rewards points for purchases that redeemed when desired.
The card does come with an annual card fee of $25.00.
American Express is the largest credit card issuer in the charge card category.
The charge card terms and conditions posted are current as of this publication date but are not guaranteed. Before committing to a credit card application, make sure to read the current terms and conditions for the card.
Bestcreditcardrates.com provides information on this card as well as other credit cards and other resources to help consumers select the best credit card with the best credit card rate.
This bank credit card, issued by Wells Fargo Bank, is a rewards credit card with a low introductory credit card rate that is specifically designed for Wells Fargo mortgage holders.
With the Wells Fargo Home Rebate Card, account holders can earn a 1% rebate on their net purchases towards the balance owed on an eligible Wells Fargo mortgage. With this particular Wells Fargo credit card, the credit card rewards are only applicable to eligible Wells Fargo home loan borrowers. Consumers that do not have an eligible home mortgage from Wells Fargo cannot apply for this credit card.
For those individuals with eligible home loans, this credit card from Wells Fargo has no limit to the rebate that can be applied towards the Wells Fargo Home Mortgage loan principal. The Wells Fargo Home Mortgage loan principal will automatically be credited with the appropriate rewards amount every the credit card account holder reaches $2,500.00 in net purchases.
The credit card comes with 0% introductory credit card rate. The zero percent introductory credit card APR applies to purchases made within the first 6 months. The credit card also has an introductory credit card rate for balance transfers. The introductory credit card rate for balance transfers is at 3.90% and also applies to balances made within the first 6 months.
After the introductory rate period ends, the credit card APR will have a variable interest rate between 11.15% to 20.15%, based on the credit history of the credit card applicant along with other factors. The credit card APR will vary based on the Prime Rate.
Most Wells Fargo Home Mortgage loans qualify for the credit card, or permit the borrower to apply for the credit card. Some Wells Fargo Home Mortgage loans are not eligible to obtain the card including: reverse mortgages; commercial mortgages; farm loans; FHA 2nd mortgages; VA 2nd mortgages; piggy back mortgages; and loans that are in process of being funded.
The credit card comes with a 25 day grace period. The 25 day grace period covers the time of 25 days after the close of each billing period in which the account holder will not be charged interest on purchases as long as the accountholders pays the entire balance by the due date each month. Wells Fargo will charge interest on cash advances and balance transfers from the date of those transactions.
Additional features found with the Wells Fargo Home Rebate Card include automatic car rental insurance, extended warranty protection, travel and emergency assistance, 24-hour credit card customer service and the option to choose from card designs.
The Wells Fargo bank credit cards also come with free online account access. With bank credit card online account access, card holders can view charges, transfer funds, make balance transfers, and more.
With Wells Fargo credit card approval process, new credit cards can be obtained by applying online and receive an almost instant result.
Bestcreditcardrates.com provides information on this With Wells Fargo credit card as well as other credit cards, tools and resources to help consumers select the best credit card with the best credit card rate.
The information provided is believed to be accurate at the time of evaluation but is not guaranteed. Review the terms and conditions of the credit card before applying.
The Merrill Lynch+ Visa credit card is one of several credit card promoted by Merrill Lynch which is a wholly owned subsidiary of Bank of America. This credit card offer falls into the category of rewards credit cards and comes with a number of rewards options and carries no annual fee.
The credit card has an introductory credit card rate of 1.99% for the first twelve statement closing dates following the opening of the account for all credit card balance transfers and direct deposits. The introductory credit card APR is effective when the account is opened is only for balance transfers and direct deposits and does not apply purchases or cash advances,
The credit card rate for purchase transactions is between 11.99% or 15.99% on a variable rate. The APR you receive is determined based on the credit of the credit card applicant as well as other factors. The variable rate is based on the Prime Rate.
The credit card rewards points are earned at the rate of 1 point for every $1.00 in purchases. There is no limit to the amount of rewards points that can be earned. Points can be redeemed for a wide array of products and services including air travel, merchandise, gift certificates, and more.
Along with the standard rewards programs, the credit card also offers extra perks or bonuses depending on the amount you spend annually or the credit card account Status Level. The value of the benefits made available to the Merrill Lynch+ Visa credit card holder increases the more the card is used to make purchases. Special pricing and special offers with increased Status Levels may include: airline ticket discounts, hotel upgrades, online retail discounts and more.
The upgrade benefits achieved by increased spending are complimentary and does not require the card holder to redeem points to take advantage of the benefits.
The Merrill Lynch credit card program is administered by FIA Card Services, N.A. also part of Bank of America Corp.
BestCreditCardRates.com provides information on this credit card as well as other tools and resources to help consumers select the best credit card with the best credit card rate.
The information provided on this credit card is believed to be accurate at the time of this review but is not guaranteed. Review the terms and conditions of the credit card before applying to view current card details.
USAA Bank offers a rewards credit card called the AOG World MasterCard. The AOG World MasterCard is an affinity credit card issued by USAA Bank in conjunction with The Association of Graduates. The Associates of Graduates is the alumni association of the U.S. Air Force Academy.
USAA Bank is one of the 50 largest US banks and is ranked as top ten banks based on credit card specialization. Credit card bank institutions ranked by the FDIC ( Federal Deposit Insurance Corporation ) are measured by having total loans greater than 50% of total assets and credit card loans greater than 50% of total loans, including loans that have been securitized and sold.
The credit card will comes with an AOG branded design on the face of the card. USAA’s promotional material states that the bank makes a contribution to the AOG for every active credit card account.
This credit card has no annual fees and comes with a credit card rewards program that allows the account holder to earn one point for every dollar in purchases with no caps on the reward or expiration dates.
Earn reward points that can be used for air travel with no black out dates, merchandise and gift certificates as well as cash back or charitable donations. USAA rewards credit card account holders as well as USAA rewards debit card holders are automatically enrolled in the rewards program.
The credit card rate is a variable rate that can be as low as 9.90% APR on purchases and cash advances. Currently, the variable credit card APRs are between 9.9% and 21.9%, depending on the credit card applicant’s credit history and other factors. The credit card rates will vary with the market and may change monthly based on the Prime Rate.
The USAA Bank credit card provides additional benefits that include: auto rental insurance, automatic travel accident insurance, extended warranty protection for retail purchases, coverage for damage or theft of purchases and additional exclusive travel and retail benefits with World MasterCard credit card.
Restrictions to benefits and rewards programs will apply. See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms.
The credit card is provided by USAA Savings Bank. USAA provides a full range of competitive financial products and services to the military and their families. Certain products, including investments, financial planning, life insurance and banking products such as checking, savings, CDs and credit cards are available to the public as well.
BestCreditCardRates.com provides information on this credit card and more as well as other tools and resources to help consumers select the best credit card with the best credit card rate. All credit card information is deemed to be reliable and timely but is presented without guarantee.
A new credit card from USAA can be obtained by filling out an online credit card application.
The American Express TrueEarnings credit card is a cash back rewards card from Costco and American Express. The benefits and rewards of this credit card are not just limited to Costco transactions, since you can earn cash back rewards on purchases made for a variety of transactions at almost any store and more.
The TrueEarnings® Card from Costco and American Express credit cards is a highly rated cash back credit card that has a solid credit card rewards program as well as a 0% introductory credit card rate.
There is no annual fee with the credit card with a paid Costco membership.
The credit card provides card holders the ability to earn cash back on every qualifying purchase at the rate of 4% cash back for gasoline purchases for the first $6,000.00 in transactions and then1% for all amounts above $6,000.00, 3% cash back for purchases at restaurants, 2% cash back for travel expenditures and 1% credit card cash back for all other purchases, including those made at Costco.
There is no minimum spending requirements, no earnings caps on the rewards, and no tiers.
The credit card rate starts with a 0.0% introductory APR for the first 6 months. After the introductory rate period expires the credit card APR will be at a variable rate currently set at15.24% which is determined by adding the Prime Rate plus 11.99%. The credit card APR will adjust based on the Prime Rate.
The credit card also has a 25 day grace period. During the time of the grace period, the accountholder will not be charged interest on purchases if the entire credit card balance is paid.
With an American Express credit card, account holders can use online account access to review recent credit card activity, pay the current bill, check the status of the rewards cash back that has been earned, and more. Card holders can also obtain account information via e-mail or cell phones.
In addition to the rewards program, the credit card does offer several benefits and services that are commonly found with American Express® credit cards including: emergency credit card replacement that allows account holders to receive a new credit card if theirs has been lost or stolen in as little as 24 hours, identity theft assistance, travel accident insurance that can provide up to $100,000 in accidental death and dismemberment insurance while traveling on carriers, extended warranty coverage for covered products purchased with the credit card for up to one additional year as well as assistance through a customer service line for help when traveling more than 100 miles from home. Certain conditions and restrictions will apply for all of these services.
All credit cards are subject current terms and conditions of the credit card issuer. All credit card information is deemed to be reliable and timely but is presented without guarantee. See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms.
BestCreditCardRates.com provides this information and as well as other tools and resources to help consumers select the best credit card with the best credit card rate.
A new credit card from American Express can be obtained by filling out an online credit card application.
Union Bank of California offers numerous financial services for its retail customers including credit cards. One of the Union Bank of California credit card offers is the Maximum Rewards® Platinum Edition® Visa® Card.
The Maximum Rewards® Platinum Edition® Visa® bank credit card is a rewards credit card that has no annual fee.
The Maximum Rewards® Platinum Edition® Visa® credit card comes with a number of benefits including the credit card rewards program. Credit card account holders in the rewards program will earn 1.5 points for each $1.00 in qualifying credit card transactions.
The bank credit card reward points can be redeemed for a variety of rewards, including gift cards, name brand merchandise, hotel stays, travel on any major airline as well as cash back in the form of a credit to the card holder’s account. There is no limit to the number of reward points that can be earned with the card.
The credit card rate for this card starts at 13.99% APR on a variable rate but may also be 16.99% APR on a variable rate or 19.99% APR on a variable rate depending upon the credit profile of the credit card applicant. The credit card APR is based on a margin plus the prime rate. Based on the credit profile of the applicant, the variable rate will be either the prime rate plus a margin of 10.74%, 13.74% or 16.74%. The credit card balance transfers rates are the same as the purchase rates. The rates listed are based on the terms and the prime rate as of April 2010.
The credit card also comes with a feature that allows new credit card customers the ability to customize the imprint on the card. The credit card can be customized with a photo that can be changed up to four times a year that is not only cute but is marketed as a security feature as well.
The account has credit card online access to view transactions, pay the credit card bill, view prior statements, and more.
There are certain restrictions, limitations, and exclusions that may apply to the rewards program. See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms. All credit cards are subject approval by the credit card issuer.
BestCreditCardRates.com provides consumers with information and tools to help select the best credit card with the best credit card rate. All credit card information is deemed to be reliable and timely but is presented without guarantee.
A new credit card from Union Bank can be obtained by filling out an online credit card application.
The US Bank Harley-Davidson® Signature Visa Card is a rewards credit card geared towards Harley Davidson motorcycle enthusiasts. The credit card issuer of the Harley-Davidson® Visa® card is U.S. Bank NA of ND. This is a no annual fee credit card.
The basics of this credit card rewards program includes: earning rewards points at the rate of 3 points for every $1.00 spent at Harley-Davidson® dealerships, 2 points for every $1.00 spent at gas stations, restaurants, bars and lodging and 1 point for every $1.00 spent everywhere else. Some restriction will apply to the definition of qualified purchases.
Earned credit card reward points can be redeemed at the rate of 2,500 points for $25 in Harley Chrome® Cash. The Harley Chrome® Cash can be used at any participating, authorized Harley-Davidson® dealership.
The credit card APR’s will vary among credit card applicants. The credit card rates for purchases and credit card balance transfers will have a low standard APR of 12.99% or may be as high as 19.99%, depending on the credit profile of the applicant. The credit card due date is between 24 – 30 days after the close of each credit card billing cycle. There is no interest charge on purchases if the entire credit card balance is paid by the due date each month. This information is accurate of April2010 and may be subject to change after this date.
The credit card promotion includes a sweepstakes program with a chance to win a new H-DTM motorcycle each month. Per the guidelines on the sweepstakes, a Harley-Davidson® Visa® credit card account holder in good standing will automatically receive one entry into the Harley-Davidson® Visa Free Ride Sweepstakes for each dollar spent on transactions made with a Harley-Davidson® Visa card including purchases, convenience check purchases, cash equivalent transactions, balance transfers, credit card cash advances, ATM withdrawals and fees to purchase any optional credit card services offered with the account.
One sweepstakes entry for every $1.00 you spend. Sweepstakes ends 12/31/2010. Sponsored by Harley-Davidson Financial Services Inc. See the Official Rules for complete prize details, restrictions and non-purchase method of entry.
The US Bank Signature Visa credit card also features: no pre-set spending limit, Visa Signature Concierge benefits, Visa Signature Travel, Hotel and Spa and Shopping benefits, Visa Signature Sports and Entertainment benefits and Visa Signature Fine Wine and Food benefits.
Additional benefits include free U.S. Bank Internet banking and automatic bill payment which requires a separate enrollment. With Internet banking, account holders can make payments, view the transaction history, check the balance and view the monthly statement.
All credit card information is deemed to be accurate but is presented without warranty. See the credit card application for details about the credit card terms and conditions. BestCreditCardRates.com provides consumers with information and tools to help select the best credit card with the best credit card rate. All credit card information is deemed to be reliable and timely but is presented without guarantee.
SunTrust Bank offers a few different types of Visa credit cards that come with a wide assortment of benefits and rewards. Along with the SunTrust Platinum Visa credit card with SunTrust Rewards, credit cards offered by SunTrust include the following:
SunTrust Visa Signature Credit Card with signature Rewards
SunTrust Platinum Visa Credit Card
The Platinum Visa Rewards credit card features the SunTrust SunPoints rewards program for qualifying purchases made with the credit card as well as dining discounts, air travel accident insurance, auto rental collision damage waiver, secure online access, roadside dispatch service, Visa standard concierge service and the Visa Zero Liability Fraud Protection.
The Platinum Visa credit card with SunTrust Rewards is currently being promoted with a 0% interest rate on purchases for the first 6-months. After the introductory zero percent credit card rate, the credit card rates will adjust to a variable rate initially set at either 13.99% or 16.99% or 19.99% depending on the credit profile of the applicant. This is a variable rate credit card in which the credit card APR is adjusted with the prime rate.
SunPoints rewards can be earned using the credit card or with a SunTrust Bank check card. The SunTrust Bank rewards program lets the account holder earn SunPoints for every qualifying purchase made with an eligible and enrolled SunTrust Visa Rewards Credit Card and Check Card.
To use the credit card rewards program, the account holder must reside in the United States, and the SunTrust credit card and checking accounts must be in and remain in good standing. There is no limit on the amount of SunPoints rewards points that an account holder can earn. Reward points can be earned and carried over form one year to the next.
Account holders can earn one SunPoint for every $1.00 they spend on qualifying purchases made with the SunTrust credit card. Account holders can also earn one SunPoint for every $4.00 spent on qualifying purchases made with a SunTrust check card.
The credit card reward points or SunPoints can be redeemed for a number of different rewards including: airline travel, gift cards, cash back credited to the credit card account, electronic goods, home accessories and more.
There are certain restrictions, limitations, and exclusions that may apply. See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms. All credit cards are subject to credit approval.
A new credit card from SunTrust Bank can be obtained by filling out an online credit card application or calling the toll free number at 800.786.8787.
BestCreditCardRates.com provides consumers with information and tools to help select the best credit card with the best credit card rate. All credit card information is deemed to be reliable and timely but is presented without guarantee.
The AccountNow® Prepaid Visa® Card is a prepaid credit card that comes with a variety of features. Prepaid credit cards can help consumers achieve a number of short-term financial goals including gaining access to a card to make online and telephone transactions, access to money through ATMs and budgeting discipline.
Prepaid cards like the AccountNow® Prepaid Visa® Card are not credit cards; accountholders cannot spend more than the balance they have deposited, there is a credit line feature available in this particular card. Prepaid cards from Mastercard and Visa allow the accountholders to load money onto the card and then use it like any other major bank credit card.
To open an AccountNow® Prepaid Visa® Card the card has an instant approval feature and there is no ChexSystems report needed or credit check required. To apply for an AccountNow Prepaid Visa or MasterCard card, prospective credit card account holders will need to provide their name, phone number, email address, social security number, and mailing address.
The AccountNow® Prepaid Visa® Card is free to sign up for and to obtain the prepaid card in the mail. When an account holder wants to add money to the prepaid account, there is an activation fee as well as monthly service charge. If an account holder uses direct deposit to add money to their prepaid card, AccountNow waives the activation fee.
One of the benefits of the direct deposit feature is it can make the access to the funds less expensive than using check cashing services. The card can be safer to hold than cash. If the prepaid card is lost or stolen, the card has the same protection Visa offers all of its customers.
When card account holder chooses to add money to their prepaid account with cash, the store location that is used for this process normally charges a fee for the service and the amount of that fee will vary depending on the store. AccountNow does not charge for adding money to the prepaid account.
To open an account, customers can sign up online or call 866-925-2036 to sign up for the card by phone.
The AccountNow Prepaid Visa Card is one of the few prepaid cards that can report to a credit bureau with its line of credit option. With its iAdvance Line of Credit featue offered by AccountNow, accountholders can borrow money on the account.
The current monthly service fee with the card is $9.95. There is a $2.50 fee for using a U.S. ATM to withdraw money. Other optional fees are also charged for specific card use such as cash advances.
Fees and charges can vary significantly between different prepaid credit card offers. Reasonable efforts are made to maintain accurate information regarding this card offer, however all credit card information is presented without warranty. AccountNow reserves the right to modify or discontinue any product, services or special offers with or without prior notice. Always read the terms and fees disclosure provided by the credit card issuer on their site before applying and accepting a new credit card prepaid card.
Credit cards are a convenient tool for accessing funds and provide services such as building a credit profile, offering rewards and bonuses and providing purchase protection. Compare card features, interest rates, annual fees and all of their services to find the best card to fit your needs.
An often overlooked credit card with a very competitive rewards program and low introductory credit card rate for purchases and balance transfers is the PNC Everyday Rewards Visa bank credit card.
PC has a broad selection of credit card options including those that earn rewards, get cash back, save money with a longer introductory offer and a lower credit card rate.
The PNC Everyday Rewards Visa credit card clearly promotes its rewards program towards everyday purchases. The details of this program include credit card rewards of up to 4% on gasoline purchases, up to $250 in eligible monthly net purchases. Credit card rewards of 3% on cinema and movie rentals up to $150 in eligible monthly net purchases. Rewards of up to 2% on food purchases including grocery store purchases, restaurants as well as fast food locations up to $750 in eligible monthly net purchases. And up to 1% rewards on almost all other purchases up to 1/4% on first $10,000 in eligible net purchases each year, 1% thereafter with no limits.
The credit card has no annual fee. The introductory credit card rate is at 0.99% for the first 6 billing cycles and covers both purchases and balance transfers.
After the introductory period expires, the credit card rate is a variable rate currently between 9.99% and 21.99%. The rate is based on the applicant’s credit profile and the credit card application that is processed. The credit card APR will vary based on the prime rate.
PNC Everyday Rewards Visa also offers benefits such as fraud and identity theft protection, the Verified by Visa online password protection, zero liability for unauthorized or fraudulent charges and online credit card account management access.
The PNC Everyday Rewards Visa credit card can be applied for online in which a response can be obtained in minutes, in person at a local PNC Bank branch, by mail or via phone.
PNC Bank, N.A. is the creditor and issuer of the PNC Bank credit cards including the PNC Everyday Rewards Visa credit card
PNC Bank is one of the largest financial institutions in the U.S. PNC offers a wide range of banking products and services for individuals, small businesses, large corporations and government entities. PNC offers everything from personal banking services to wealth management, business banking and corporate & institutional services.
The information listed on the credit card rates and terms is believed to be accurate at the time of this publication but is presented without warranty. Review the credit card terms and conditions on the credit card directly with the credit card issuer before applying for a new credit card.
The Capital One Orbitz Visa Platinum credit card is a rewards credit card that has no annual fee and a limited time introductory credit card rate at zero percent.
This rewards credit card is geared towards earning travel rewards. It is not necessary to accumulate or use the rewards for travel, but the benefits on ten travel rewards are far superior to the standard rewards.
Reward points are earned at the rate of one point on standard, qualified purchases. The credit card earns bonus points on eligible Orbitz.com bookings. Earn 3 points per dollar on all eligible Orbitz.com bookings.
Rewards will be earned on net purchases that do not include purchases using checks, purchase credits, travelers’ check purchases, credit card cash advances, access checks, and cash equivalent transactions.
Earned credit card reward points do not expire and there is no limit on the amount of points that can be earned.
Point redemptions are not limited to travel options. Points can be redeemed for travel, cash, merchandise, gift cards as well as charitable donations.
The 0% introductory credit card rate lasts until February 2011, after the introductory rate expires; the credit card is set to a variable rate which is currently at 13.9%. The variable credit card rate is established by adding 10.65% to the Prime rate.
The Capital One credit card also has available some standard benefits found with Visa bank credit cards, including: $0 fraud liability on authorized card use, travel accident insurance when the credit card is used to purchase the fare, 24-hour travel and emergency assistance with emergency card replacement and a cash advances, 24-hour roadside assistance, auto rental insurance covering collision, damage and loss insurance when the rental car is booked with the credit card and an extended warranty program.
Bestcreditcardrates.com does not endorse nor guarantee the credit card product, rates and terms. All credit card information is presented without warranty. Review the online credit card application for details about terms and conditions for these offers.
The Think Visa credit card is a bank credit card issued by Think Mutual Bank. The Think Visa credit card is a standard Visa credit card that allows the account holder to make purchases against a pre-approved credit limit. Credit card limits can be approved up to $25,000.00.
The credit card offers the same low rate for credit card purchases, credit card balance transfers and cash advances. New credit card holders can save money by transferring balances from a higher rate credit card to the Think Visa credit card. The credit card rate on the credit card is a variable rate that is currently between 8.75% to 10.75%, depending on the personal credit history of the applicant. The credit card APR may vary. The credit card rates are determined by adding 5.5% over Prime Rate to 7.5% over Prime Rate.
Think Mutual Bank account holders will have the added option that allows the credit card holder to have their Visa payments automatically deducted from the Think checking account each month. All account holders can access account information and pay their VISA bill online or by phone.
There is currently no annual fee charged for the Think Visa credit card. There is a standard grace period of 25 days granted to a card holder to repay new credit card balances on purchases without incurring finance charges.
The credit card comes with standard Visa credit card services such as: the ability to make cash advances at ATM’s worldwide, extended warranty on purchases, auto rental insurance, travel and emergency assistance and travel accident life insurance. The bank Visa credit card also has worldwide acceptance.
The Think Visa Credit card can be applied for online or by calling 1-800-288-3425.
To compare credit cards on offers similar to the Think Visa Credit Card, browse the credit card categories at bestcreditcardrates.com and compare the top credit card offers available by topic including low rate credit cards, balance transfer credit cards, credit card rewards and more. Bestcreditcardrates.com is continually updated to provide information on some of the best credit card deals available in the market.
The information regarding the credit card rates and terms listed are deemed to be accurate as of the date of this publication. Credit card rates and terms are subject to change by the credit card issuer. However all credit card information is presented without guarantee. Before applying for a new credit card, please review the current terms and conditions provided by the credit card issuer.
The Simmons VISA Platinum credit card is ranked as one of the premium credit card with the best credit card rates by Money Magazine. Since this is a premium credit card with one of the best credit card rates in the market, the credit card approval will require an excellent credit history.
The low rate on the Simmons Visa Platinum credit card applies to both balance transfers and purchases. The credit card account rate is a variable rate based on the Prime Rate. The rate on the account will increase if the Prime Rate increases. The current rate on the card for balance transfers and purchases transactions is the Prime Rate plus 4.00%.
The credit card has no annual fee and there are no fees for balance transfers. There is a fee for credit card cash advances that is equal to 3.00% of the amount of the cash advance and not less than $4.00 or more than $50.00
In addition to the low interest rate this credit card has to offer, the credit card provides additional benefits that include: all cardholders are covered with travel accident insurance at no additional cost, auto rental insurance which provides coverage for damage due to collision or theft with certain limitations, and emergency assistance services such as emergency cash and credit card replacement also with some limitations.
The Visa credit card may also be used to obtain cash at ATMs where bank Visa credit cards are accepted, worldwide. Credit card cash advances are also available at financial institutions where Visa credit cards are accepted as well.
The issuer of this credit card is Simmons First National Corporation which operates eight affiliate banks with over 80 bank branch locations in Arkansas. Simmons First offers a variety of financial services including: checking and savings accounts, credit cards, money market accounts, bank CDs, consumer loans, student loans, residential loans, commercial loans, agricultural loans, and more.
The information about the rates and costs of the card are accurate as of this publication, rates and terms are subject to change. Credit card approval is subject to approval by the bank and additional conditions to obtain the credit card may apply. See the credit card application for details about terms and conditions.
Small business credit cards are a great resource for credit access for small businesses, cash flow management, expense management and additional benefits such as earned rewards. Chase Card Services Ink℠ business credit card was specifically developed for small businesses to provide these resources and more.
The Chase Ink business credit card comes with a competitive credit card rate and allows the account holder to earn rewards on every dollar spent along with the financial flexibility that comes with the Chase Ink credit card program.
With Chase credit card rewards program for this card, there is no limit to how many points can be earned and the points never expire. 1 point is earned for every dollar on standard, qualified net purchases made with the credit card. Card holders can also earn up to 10 bonus points per dollar when they shop online at the Ultimate Rewards Mall. And, card holders can earn 2 points for every qualified dollar spent on airfare purchased through the online Travel Booking Tool. Points that are accumulated can be redeemed for gift cards, merchandise, cash back and more.
The Chase business credit cards come with a variety of business tools to help manage and control the credit card account and business expenses. With Chase’s online account access, card holders can monitor their account’s activity anytime, online or even by phone with 24-hour access.
There is no annual fee to hold the card. Free additional credit cards are also available for employees of the business. Account holders can set spending limits on the additional employee credit cards as well as.
The credit card comes with an introductory credit card rate that is set at 0% fixed for the first 6 billing cycles. The credit card also has an introductory balance transfer APR of 0% fixed for the first 6 billing cycles following the opening of the account. After the first 6 months, the credit card rate is at a variable rate that will be 9.24% variable, 12.24% variable, or 15.24% variable, depending on Chase credit card services review of the credit card application and the applicants credit history.
Features that are common on many bank credit cards are also found on the Chase Ink business credit card including: travel accident insurance, roadside dispatch provides 24/7 referral service for convenient towing and locksmith services, auto rental collision damage waiver, purchase protection that will replace, repair or reimburse account holders for eligible items of personal property within ninety (90) days from the date of purchase due to covered reasons, extended warranty protection extends the length of the free repair period similar to the original manufacturer’s U.S. warranty, zero liability protection for unauthorized transaction made with your Ink Card and fraud early warning service that automatically alerts the card holder of suspicious account activity.
Filling out the credit card application online can be quick and easy and approvals are made in a timely manner.
The APRs and terms for this credit card offer are not guaranteed. Credit card rates, fees, and terms may change.
State Farm Bank issues four different Visa bank credit cards. The bank offers these credit cards with varying rates of interest and reward plans to meet an assortment of individual and business credit needs. One of the four cards is the State Farm Bank Visa Business credit card.
State Farm is one of the largest insurance companies in the U.S. and State Farm Bank is part of the State Farm Insurance Companies headquartered in Bloomington, Illinois. State Farm Bank not only offers the credit cards but provides a wide assortment of banking products and services.
State Farm Bank operates without physical bank branches and is primarily an online bank where customers can open and manage accounts online or by mail or through a State Farm representative.
One of the four bank credit cards marketed by State Farm Bank is the State Farm Bank® Visa Business Card. The State Farm Bank Visa Business credit card can be good choice for businesses due to low fees, introductory credit card rate and its management tools.
This credit card comes with an introductory APR of 3.90% on purchases for the first 6 months and has no annual fee. This Visa rewards card also allows for cash advance privileges via bank ATMs and convenience checks with the card as well as a credit card rewards component.
A Visa business credit cardholders with this credit card are eligible for accredit card reward program unique to State Farm Bank called “State Farm Dollars.” The accumulated State Farm Dollars can be used for State Farm® products.
Each billing account cycle, the cardholder can earn rewards equivalent to 1% on all net qualified purchases and 2% in State Farm Dollars for every eligible travel or office supply purchase made with the credit card. There is no limit to the amount of rewards or State Farm Dollars that can be earned per year.
Small business credit cards have become a common tool with most businesses. There are a number of benefits for using a small business credit card including easy organization of expenses, access to a line of credit for business related expenses as well as the reward offers.
Credit card rates and terms may change and additional conditions may apply to obtain and use the credit card. Read the credit card agreement and disclosure for details on the current offer.
The American Express Starwood Preferred Guest credit card offers great travel rewards and allows the account holders to use the earned rewards towards free nights and upgrades at participating hotels and resorts as well as for air travel.
Rewards points on this card are referred to as Starpoints. New credit card holders can earn 10,000 bonus Starpoints® when they make their first purchase with the card. Starpoint reward points can be earned at the rate of one point for every dollar of eligible purchases and two times that rate for purchases at participating Starwood hotels and resorts.
This American Express credit card has a clear and easy policy for redeeming the points earned. Starpoints can be redeemed for free nights without blackout dates or availability restrictions at over 940 Starwood Hotels and Resorts. This includes Westin®, AloftSM, ElementSM, Sheraton®, Four Points® by Sheraton, St. Regis®, The Luxury Collection®, W® Hotels, and Le Meridien® hotels and resorts.
The rewards points that are earned can be redeemed for flights on airlines as well with no blackout dates. If you do not want to exchange points for air miles, the earned Starwood points can be used to book travel with Starwood.
There is no annual for the first year that you have the card and then the annual fee is $45.00. The card comes with an introductory credit card APR offer. The credit card rate is 2.9% on purchases and balance transfers for the first 6 months. After the introductory period, the credit card APR is 15.24% on purchases and 25.24% on cash advances on a variable rate.
The APR is based on a variable rate and may vary. The APR for purchases and credit card balance transfers after the introductory period is established for each billing period by adding 11.99% to the Prime Rate.
The American Express Starwood Preferred Guest credit card offers car rental loss and damage insurance at no additional charge as well as up to $100,000 in travel accident insurance and the ability to obtain instant access to cash, up to your cash advance limit, at over 500,000 ATMs worldwide.
Credit card account access can be obtained by going online or by using a mobile phone.
Bestcreditcardrates.com does not guarantee the terms of the credit card offers, all information is deemed to be accurate and reliable at the time of this publication. Consumers should always read the rates, terms and fees disclosure provided by the credit card issuer before applying for a new credit card.
Bryant State Bank MasterCard credit card has one of the best credit card rates balance transfers. The credit card APR for balance transfers is just 3.25% for an introductory rate that lasts APR for 6 months, after the introductory period the credit card APR rises to just 11.25%.
The credit card rate, like almost all credit card rates offered since the passage of new credit card legislation, is a variable rate that will vary with the market based on the Prime Rate. There is also no fee for balance transfer transactions with this card.
The credit card rate for purchase transactions is also a variable rate, currently at 11.25%. And the credit card APR for cash advances also stands at 11.25% presently.
The credit card has an annual fee of $20.00 per year.
This MasterCard credit card has the standard $0 fraud liability. Account holders are not responsible for unauthorized charges if your card is lost or stolen.
The card has an emergency cash distribution and card replacement feature, in the event of an emergency while traveling in the U.S. or abroad, the account holder has access to emergency cash advances based upon available cash and account status as well as lost or stolen card replacement.
The Bryant State Bank MasterCard credit card offers both online customer service and standard telephone customer service. With the online credit card account access, credit card holders get 24-hour online account access. Credit card holders can check their balances, view transactions or make credit card payments at their convenience.
The Bryant State Bank MasterCard credit card has a great interest rate overall and an especially good rate for credit card balance transfers. For existing card holders that have fairly large balances on other high APR credit cards, consolidating those accounts with a balance transfer to the low interest Bryant State Bank MasterCard credit card may save hundreds of dollars in interest charges.
Bryant State Bank is headquartered in Bryant, South Dakota. Bryant State Bank issues credit cards along with a variety of personal and commercial banking services. Bryant State Bank has been in business since 1915 and operates as a subsidiary of Bryant Bancshares, Inc.
While every effort is made to ensure the accuracy of the information regarding the credit card rates and terms, changes may occur without notice. Please read the credit card application as well as the terms and conditions of the credit card agreement for current terms and conditions.
The Visa Buxx credit card is a prepaid credit card targeted for young adults or teens. The teen or young adult will have their name embossed on the credit card and the teen can use this card at Visa locations and ATMs. When parents enroll in the Visa Buxx program, they agree to the Visa Buxx card terms and conditions. The card is issued to the teen with the agreement signed and guaranteed by the parent. A young adult or teen only has to be 13 years of age or older to obtain the credit card in their name.
The Visa Buxx credit card functions similar to most all credit cards and can be used for online credit card transactions, telephone orders, retail purchases and is accepted as payment everywhere Visa debit cards are accepted. The card can also used to withdraw cash from Visa accepted ATMs.
The Visa Buxx card is not a debit card, the card does not access a bank account or require the account holder to set up any banking relationships. The dollar amount for any transactions with the card for spending is limited to the amount of money loaded onto the card. Teens or young adults can only use the Visa Buxx card to access the amount loaded onto the card by their parents.
The parent of the young adult on the card can temporarily suspend and reactivate the teens use of the card at anytime. The parent also has the ability to close the account and cancel the credit card. Parents will have electronic access to or will receive a periodic statement describing each transaction during the statement period. The prepaid credit card does not require a minimum balance.
The card can be used as a teaching tool for financial management and encourage financial responsibility for teens. The card is also a good tool for its convenience and flexible use as well as being safer to use than cash. A parent can still manage the account securely and conveniently either online or via our 24 hour customer service phone line.
Visa provides a web site that has a variety of tutorials to teach young adults budgeting, saving and investing, online shopping and smart spending that can be used in conjunction with the credit card to teach financial management.
The credit card has wide acceptance, spending controls, is a safe form of payment and is almost becoming a necessity with today’s teens spending levels and spending habits. If this card isn’t a good product overall it is certainly a good marketing device for credit card companies and bank credit card issuers.
Barclaycard US, the credit card business of Barclays PLC offers the Vegas.com MasterCard credit card. The main advantage to the Vegas.com credit card is the ability to earn Frequent Vegas Points® that can be redeemed for Vegas rewards, such as hotel rooms, show tickets, merchandise and more.
Credit card reward points are earned at the rate of 1 point for every dollar spent with the credit card and double Vegas Points when purchases are made at VEGAS.com. New credit cards earn 2,000 Vegas Points after the card is used for the first time. Points are earned on qualifying purchases with the credit card.
The Vegas.com credit card has no annual fee and has an introductory credit card rate for new balance transfers. The introductory rate is 0% APR for the first six billing cycles after account opening.
The credit card rate is adjustable rate based on margin plus the Prime Rate. The credit card rate will be either 13.24%, 16.24% or 19.24% when the account is opened, the rate will be dependent on the credit card applicant’s credit history and application.
Rewards for this credit card program are administered by VEGAS.com. The credit card rewards are subject to the terms and conditions of the VEGAS.com Frequent Vegas Points program. The credit card account must remain open and in good standing to receive rewards offered under this program.
The points earned with this credit card will have an expiration period. Points earned with the VEGAS.com credit card with Frequent Vegas Points® will expire 36 months from the end of the calendar month when they were first credited to an account.
Barclaycard is a division of Barclays PLC. This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Barclaycard provides credit cards in the US, U.K., Germany, Spain, Italy and Portugal.
The credit card rates and terms regarding this card are accurate as of 11/05/2009 and may change after this date.
The Co-Signer Visa® credit card is a credit card that is primarily geared towards students and parents and as a means to control and establish credit for young adults. The Co-Signer Visa® Card is offered by Heartland Bank & Trust for this review but is also available by a number of banks in conjunction with Elan Financial Services.
With the ability to obtain a new credit card with a cosigner, students can follow smart budgeting and money management while building a good credit history. The credit card offers young adults all the conveniences that come with carrying a credit card including access at over one million ATMs around the world, online credit card use, accepted by merchants worldwide, along with merchant discounts, extended warranty coverage, travel insurance, and more. The card is offered without an annual fee and provides a competitive interest rate.
The credit card rate on the card is a variable rate that will be between 9.99% and 18.99%. The credit card annual percentage rate may vary monthly. The rate is determined by adding a margin to the Prime Rate. The margin that is added onto the Prime Rate is dependent on the credit card applicants credit history and information provided on the credit card application. Standard credit card margins added to the Prime Rate are 5.99% to 14.99% on credit card purchases and credit card balance transfers and 16.99% plus the Prime Rate on credit card cash advances.
An individual’s credit card APR may increase if the monthly credit card payments are not made in a timely fashion or timely payments are not made to another creditor as reflected in your credit report. A rate increase due to late payments on other creditors is known as universal default.
This card requires a co-signer. The co-signer guarantees the debt. Both the applicant and the cosigner on the credit card will be individually and jointly liable for all authorized charges on the account. The co-signer may have to pay up to the full amount of the credit card debt if the primary borrower does not pay.
Elan Financial Services as creditor and issuer of the card in conjunction with Heartland Bank & Trust. The credit card can be approved quickly with a qualified cosigner. The credit card can be used to establish as well as reestablish credit with a national credit card company.
Credit card terms are not guaranteed for any period of time, all of the terms may change, including the APRs and credit card fees, in accordance with the cardmember agreement and applicable law.
The Premier Rewards Gold Card from American Express is a relatively new charge card offered by American Express. The card comes with a rewards program from American Express called the 3-2-1 rewards program. The card allows card holders to earn rewards on card use at the rate of triple rewards for airline ticket purchases, double rewards for gas and grocery store purchases and single reward points on all other purchase transactions.
New card holders can earn 15,000 bonus points when they spend $1,000 in 3 months and earn an additional 15,000 bonus points when they spend $30,000 per year.
The generous rewards program is being marketed by American Express along with a campaign to focus on the benefits of charge cards. The American Express Rewards Gold Card is a charge card as opposed to a credit card. As a charge card, the account balance is paid in full each month. American Express is emphasizing the benefits of financial discipline along with the other card features such as warranty protection, online purchase uses, additional insurance coverage and more.
In addition to the rewards program, the American Express Premier Rewards Gold Card have access to other benefits provided by American Express. The Gold Card comes with benefits regarding travel and events. Travel and event benefits include; exclusive travel and entertainment packages that are updated regularly, a $75 food and beverage credit for lodging for two or more consecutive nights at over 500 Starwood properties, American Express Gold Card Destinations travel partners amenities as well as advance tickets and premium seating at some shows and entertainment events.
The card also provides emergency travel assistance, insurance for car rental loss and damage, 24/7 roadside assistance, baggage insurance, purchase protection, extended warranty and more.
For the first year there is no annual fee to use the card and obtain the card benefits and rewards program. After the first year, the card annual fee is $175.00.
The American Express Card has no pre-set spending limit, the no limit has restrictions since the ability for use will be dependent on certain factors such as the use of the card, existing payment history, credit card records and other conditions.
There are restrictions to the rewards, terms and conditions with the use of the card. Card terms, conditions, and restrictions may change.
Online application can be approved almost instantly. The card can be obtained by applying online or over the phone. An American Express customer service representative can be reached at 1-800-223-2670 to get more information about this card and other offers by American Express.
The First PREMIER Bank credit card is geared towards individuals that have a poor credit history or less than perfect credit. The credit card is a practical tool to get access to the services offered by a standard credit card as well as to help build or reestablish a good credit history.
The credit card is issued by First Premier Bank. First PREMIER Bank has been operation since 1929 and is located in Sioux Falls, South Dakota. The bank is a member of FDIC (Federal Deposit Insurance Corporation). First PREMIER® Bank primarily focuses on offering credit cards to those consumers that have credit history issues. Other than issuing bank credit cards, First Premier Bank offers personal and business banking services including deposit accounts, mortgages, loans, bank CDs, credit cards, and more.
Upon obtaining a new credit card, the account history on the credit card is reported monthly to the major consumer reporting agencies which makes it possible for those credit card account holders that had previous credit problems to reestablish a good payment history and help improve their credit history and credit score. The credit card can be used everywhere MasterCard®/Visa® cards are accepted.
The banks states that the minimum credit limit will be at least $250.00. Credit approval is not guaranteed and the credit card approval is based on the information on the credit card application and the applicant’s credit history. The bank marketing material states that an account holder will be eligible for consideration of a credit limit increase review as soon as six months.
As with some other major credit cards geared towards consumers who need to improve their credit, this credit card has quite a few fees. Quite a few fees.
The credit card account has a $29.00 account set up fee as well as a $95.00 fee for a charge referred to as a program fee, a $48.00 annual fee and a $7.00 monthly servicing fee that is not part of the annual fee. Other fees that may be charged include a $29.00 late fee, $29.00 over the credit card limit fee, a $25.00 credit limit increase fee each time an account holder’s account is eligible and approved for a credit card limit increase and an annual $20.00 additional credit card fee, if applicable.
The card card has a low fixed credit card APR. The credit card rate for purchases and cash advances is set at a fixed rate of 9.90%.
The new credit card can be obtained quickly by completing the credit card application online without charge.
Credit card rates, terms and fess are subject to change. Please review the current term and conditions on the credit card before applying.
The Ultra VX Visa® Card is a secured credit card that comes with a flexible credit card limit maintenance program. The Ultra VX Visa® Card has a feature called Credit-On-Demand™ that allows the cardholders to increase their credit limit up to $25,000. The credit card also has a rewards program and does not require a credit check and in addition, the bank reports the credit history on the credit card to the major credit agencies.
When you obtain new credit card, there will be three separate accounts tied to the card. There is a cash balance amount, a credit line or credit balance amount and a secured account balance.
The cash account is simply used to load the card and store funds that can be transferred to the secured portion of the accounts. The cash account also holds funds to make monthly payments on the credit card. The minimum payment is automatically paid every month using the cash account. It is paid through an automatic account transfer from that cash account.
The secured account is used to secure the credit line for the card, just like a security deposit. Money is transferred from the cash account into the secured account to increase the credit line, should the account holder wish to increase their credit card limit.
Just like most all secured credit cards, the secured account contains funds on deposit that determine the total credit limit. These funds are not used to pay the credit card or reduce an outstanding balance unless there is a remaining, unpaid balance on the account after it is cancelled or becomes delinquent.
The credit account is the key account that determines how much is available for purchase transactions. The credit account summarizes the credit limit on the card, along with the remaining available credit and the difference which is the outstanding credit balance.
These different accounts can be managed to increase or decrease your credit limit as you see your needs change. For instance, an account holder can activate an account transfer from their cash account balance to the secured account portion. The amount transferred is the amount your credit line will increase by.
The credit card also has a rewards feature which is not common on secured credit cards. The UltraVX Visa card offers something called Clear Rewards™. The rewards programs allow the card holder to earn 1 point for every $1.00 spent. Credit card rewards can be earned for Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels and more with no restrictions.
The Ultra VX Visa can be used effectively to rebuild credit or improve an individual’s credit score. The credit card history on your account is reported to the credit bureaus every month.
The standard credit card APR on this credit card is 14.90%. The credit card has a 25 day grace period before interest charges accrue provided the credit card holder has fully paid the new credit card balance from the previous statement by its payment due date. There is, technically, no annual fee with the card but there is an account set up fee of $29.95 as well as a monthly participation fee of $6.95.
Available funds for the account can be loaded via direct deposit, retail locations such as PayXone, Western Union, MoneyGram, and Visa Ready Link as well as by PayPal.
The credit card requires no credit check and does not require a minimum income amount.
The credit card rates and terms may change based on information in the applicant’s credit report or due to market conditions.
New Millennium Bank of New Brunswick, NJ is the issuer of this credit card and credit card program.
The First Vineyard Prepaid MasterCard Card is a prepaid credit card that is issued by The Bancorp Bank. First Vineyard prepaid MasterCard has one of the most unique incentive programs on the market.
A First Vineyard Prepaid MasterCard® works like a standard bank credit card is accepted anywhere that MasterCard debit cards are accepted, worldwide.
With this credit card, the card holders can receive cash back when they use the card and receive cash compensation from the spending of other individuals that are referred to the program and obtain a new credit card. Card holders can earn rewards or direct compensation for various activities that can be deposited directly into the First Vineyard MasterCard account.
Card holders can compensation by receiving 1% cash back on every dollar spent regardless of where the purchase is made. Cardholders can also refer friends and family to the card program, and when sign up and begin using their First Vineyard MasterCard the referring card holder will receive compensation.
When other people are referred to a First Vineyard card and activate their new First Vineyard MasterCard the referring card holder will receive a $25 referral bonus and also get cash back base on a portion of the spending on that account.
The credit card refers to the process of having multiple referrals that can earn the referring party compensation as a compensation tree. The compensation tree is similar to a multi level marketing program where you can have personal referrals that obtain and activate the card as well as referrals from someone above you in the compensation tree and referrals from someone below you in the compensation tree. The more personal active referrals someone has the more card holders there will be in an individual’s compensation tree leading to more compensation as the credit cards are used.
In order to qualify for compensation, the card holders must have 3 personal active referrals and meet a group spending amount of $1000.00.
Since the card is a prepaid credit card, approval is guaranteed for anyone as long as they establish they are a U.S. resident over 18 with a valid social security number and verifiable address can get a First Vineyard MasterCard. There are no credit checks, no income or employment verifications to be completed or ChexSystems reports.
The card has a number of options for adding cash to the card account including having your paycheck deposited directly to your account, adding cash at over 50,000 authorized merchants, PayPal®, money orders or a wire transfer.
The Bancorp Bank, the credit card issuer, is located in Sioux Falls, SD. The Bancorp Bank is one of the top five issuers of prepaid Visas and MasterCards. The Bancorp Bank is an FDIC insured commercial bank that offers a wide range of financial services and products.
Bestcreditcardrates.com can not guarantee the terms and conditions of the credit card offers. Credit card services and offers may have changed. Please review the current credit card information and services before selecting the card.
The Bank of America Upromise credit card is a rewards card that is geared towards consumers who want to earn rewards towards college savings. The Bank of America Upromise World MasterCard credit card with Gas & Grocery Rewards makes it possible for card holders to earn cash back on purchases to help fund future education expenses or pay down eligible student loans.
The key to the credit card is the enrollment in the Upromise Program. Upromise is a free service that was established to help consumers pay for college with a unique rewards program. Credit card holders that are in the Upromise Program can earn money back for college when using the credit card by shopping online, purchasing groceries, buying gas, dining at a restaurant, booking travel, and much more.
When the Bank of America credit card holder makes a purchase with a Upromise retail partner, the credit card rewards earned are linked to the account holders Upromise account. A Upromise membership is required for the college savings to be appropriately posted to a Upromise account. The Bank of America credit card holder must be a Upromise member and the Upromise credit card must be registered with Upromise to earn and receive all the eligible college savings. When you make a purchase with a Upromise partner, the earnings are linked to your Upromise account.
Once earnings reach $25, the account holder invest the earnings in an eligible 529 account or use them to pay down a student loan or even request a check directly from Upromise to cover school expenses or invest on your own.
Based on information from the Upromise Program website there are numerous retail establishments in which a card holder can earn their rewards at including 600+ online retail and travel web sites, 22,000+ grocery and drug stores, 48,000+ retail, service and restaurant locations.
The Upromise® World MasterCard® comes with 0% introductory credit card APR that lasts for the first 7 or 10 statement billing cycles, the duration of the introductory credit card rate is determined by the bank based on the credit card applicants qualifications and credit history.
After the introductory period, the credit card rate is a variable rate that is between 12.99% and 20.99%. The standard new credit card rate and APR is also determined based on the credit card applicant’s qualifications and credit history.
The Bank of America credit card also comes with free online credit card account access where users can get a summary of your current account, make a credit card payment online, contact customer service and print up to 18 months of credit card statements. The bank credit card can also be used for optional overdraft protection on checking.
The information contained is accurate as of the time of this publication but may have changed since the last update. All account terms are governed by the bank credit card agreement. Credit card terms, including the APRs and credit card fees, may change in accordance with the agreement.
Bank of America is one of the largest financial institutions in the U.S. Bank of America provides bank and financial products and services to individual consumers as well as small to large corporations. Bank of America operates more than 6,100 retail banking offices and over 18,000 ATMs.
The American DreamCard MasterCard credit card is a rather unique credit card due to its unusual credit card rewards program. The American DreamCard provides an opportunity to win monthly cash prizes through a monthly sweepstakes drawing just for using the card and gives card holders incentives to recommend the card to friends and families.
The credit card operates like a normal credit card with standard credit card services with the notable exception of this unusual credit card rewards program.
The credit card rewards program is a pooled sweepstakes jackpot. A portion of all transactions by outstanding credit card holders are pooled to determine the winning amount. Each month a new sweepstakes winner is chosen. Entry into the sweepstakes is determined by the amount qualified transactions made. The credit card holder earns one entry for every dollar, up to $1,000.00, for every purchase, credit card cash advance, credit card balance transfer and convenience check usage.
To enter the monthly drawing or sweepstakes, there is nothing to fill out and send in. Use of the American DreamCard automatically enrolls the credit card user into the program. Every net $1.00 spent on the American DreamCard credit card gives the credit card account holder an entry, up to 1,000 entries per qualifying transaction to win the monthly American DreamCard Sweepstakes Jackpot.
The sweepstakes award monthly winners will receive .50% of the total amount of net dollars spent by the cumulative number of cardholders on their American DreamCards during each drawing period. The odds of winning depend on the number of eligible entries received by each deadline date.
The credit card rates on the card are advertised as 14.99% or 21.99%, variable with a minimum credit card APR of 14.99% or 21.99%. The variable cash express and cash advance APR is 22.99% or 28.99% with a minimum APR of 22.99% or 28.99%.
The variable credit card rate is tied to the U.S. prime rate established by the highest “Prime Rate” published in the Money Rates table of The Wall Street Journal.
The transaction fee for cash express is $29.00, the late credit card payment fee is $39.00 and the credit card over limit fee is $39.00.
The credit card grace period is established for 20 days after the close of the previous billing cycle on new credit card purchases, provided the previous credit card balance in full.
The American DreamCard™ MasterCard® is issued by HSBC Bank Nevada, N.A. which is an affiliate of HSBC Card Services Inc. and HSBC North America Holdings Inc. HSBC North America Holdings Inc. is one of the top ten largest financial services companies in the United States. HSBC businesses serve customers in a variety of areas including: personal financial services, credit cards, specialty insurance products, commercial banking, private banking, and global banking and markets.
HSBC credit card and retail services diviosn is the fifth largest provider of MasterCard and Visa credit cards in the United States. The credit card and retail services divison is also the third largest issuer of private label or store branded credit cards in the U.S. and also offers co-brand and debit cards. HSBC private label credit card has relationships with numerous large retailers and manufacturers such as Best Buy, Costco, Saks, Furniture Row and Yamaha.
New Millennium Bank offers a secured Visa credit card and MasterCard credit card for consumers searching for a credit card but have less than perfect credit. The New Millennium Bank secured credit card offers a guaranteed credit approval, without a credit check.
The secured credit card is great tool to establish or repair a poor credit history. These credit cards offer credit limits secured by a savings account in amounts ranging from $300 and $5,000. The bank credit card can be used just like any credit card at millions of locations worldwide.
This secured credit card is marketed with a guarantee approval and no credit check. The credit history of the credit card applicant will not be checked. The credit card approval is based on verifying the information regarding the credit card applicants age (at least 18, 19 in NE), social security number and residence.
The credit card approval will also be based on an agreement to open an FDIC insured savings account with a minimum of $300 and a maximum of $5,000 per card, with New Millennium Bank. This is the credit card holders’ money, but it is pledged to secure repayment of any credit extended with the card.
The credit card limit is determined by the amount deposit in your collateral savings account with New Millennium Bank. The credit card limit will be equal to the balance in the collateral savings account with the bank. The deposit will earn interest while it is held at the bank as well.
For those consumers that have a poor history but are looking for the convenience and services that comes with a credit card, secured credit card are a great option. New Millennium Bank reports the credit card payment history on the secured credit card to all three major credit bureaus: TransUnion, Equifax, and Experian to help reestablish a good credit history and credit score.
The credit card is secured by the deposit held at the bank, but only the credit card holder and the bank are aware of this. The major credit reporting agencies who issue score scores and credit reports view the Visa or MasterCard as just another credit card. Card holders can use the secured credit card to make online credit card purchases or over the phone or at retail stores, anywhere the MasterCard or Visa brand is accepted.
The New Millennium Bank secured credit card carries additional benefits such as: emergency cash transfers, $100,000 travel accident insurance, auto rental insurance, and extended warranty protection.
New Millennium Bank is located in New Jersey and offers a wide range of services and loan products. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Jersey locations.
To obtain a new credit card from New Millennium Bank, complete and transmit the enrollment form with a one time processing fee of $35.00. Your credit line will be equal to and secured by the New Millennium Bank savings account.
The Visa Black Card, marketed by Barclaycard US, has entered into the field of premium credit card offers. According to the promotional material produced by Barclaycard US which is part of Barclays Bank Delaware, “The Black Card is not for everyone.” In fact,
it is limited to only 1% of U.S. residents per Barclay’s marketing material.
The Visa Black Card is a high end credit card that is most certainly not designed for everyone. The Black Card is marketed by the bank credit card issuer as not just another piece of plastic and comes with a $495.00 annual fee. The initial credit card rate is set at 13.24% as a variable interest rate tied to the prime rate. The credit card rate is determined monthly by adding the Prime Rate to the base credit card rate and the rate charged is dependent on the credit card transaction type.
The APR for individual credit cards may vary. The initial credit card rate starts with the Prime Rate and adds 9.99% to that number for credit card purchases, 9.99% for credit card balance transfers as well as the credit card convenience checks after the introductory period has expired, 16.99% plus the Prime Rate for credit card cash advances with a rate not be lower than 19.99% and up to 26.99% for the penalty APR.
The Visa Black Card comes with a credit card rewards point program in which credit card account holders will receive one (1) point for every one U.S. dollar ($1.00) of net purchases made on the credit card account rounded to the nearest dollar.
The credit card also offers other credit card services including 24-hour concierge service which can be used to assist with all business, travel and leisure needs. When the Black Card account is opened and activated, the new credit card account holder can transfer their existing credit card balances and accrue no interest on that transferred balance for a period of six months.
Barclaycard is a division of Barclays PLC. Barclays PLC is one of the world’s largest financial services providers that operates retail and commercial banking divisions, credit cards, investment banking, wealth management and investment management services. Barclaycard US not only issues the Visa Black Card but also creates customized co-branded credit card programs for a variety of businesses and services including travel, entertainment, retail and financial institutions, including US Airways, Best Western, Carnival Cruise Lines, Princess Cruises, Travelocity, L.L.Bean, Barnes & Noble and BJ’s Wholesale Club.
Prepaid credit cards are a great tool for those consumers who might have difficulty getting approved for a standard credit card but want or need the services and convenience of a regular charge card. Cardholders can use the prepaid credit cards at any location that accepts Visa or MasterCard and some will even issue a PIN number to use to withdraw cash at ATMs.
Specific card terms and features will vary from program to program, most prepaid cards generally requires the cardholder to deposit cash to load the card which will then be used as a secured source of funds for the cardholder to drawn against for future transactions.
The Prepaid Visa RushCard Card is just one of the cards offered in this category. The RushCard is a prepaid Visa credit card that is issued by UniRush. UniRush was founded in 2003 by entrepreneur and philanthropist Russell Simmons, UniRush, LLC, revolutionized the payments industry when it launched one of the first prepaid Visa debit cards.
The Prepaid Visa RushCard Card can be a good product for those consumers who are finding it difficult to obtain a secured credit card or unsecured credit card or who are in need of another option when making purchases at a retail store or online.
RushCard is a prepaid Visa debit card. The cardholder can only spend what they deposit, so there are no costly overdraft or interest fees. It’s an easy-to-use and a convenient alternative to credit cards and traditional banking.
The RushCard gives credit cardholders a tool to help control their finances. This prepaid credit card is easy to use and provides a convenient alternative to standard credit cards, traditional banking, and check-cashing services.
With the Prepaid Visa RushCard the user can choose from one of the many convenient ways to add money to the card including direct deposit, in-person cash deposit, and PayPal.
This prepaid card is easy to obtain right online. With the RushCard you can sign up now and get approved in seconds. Choose from monthly plans or pay as you go plans, select the card design that best matches your personality, and complete the credit card online application.
The Prepaid Visa RushCard can be used at millions of locations worldwide to withdraw cash, make everyday purchases, shop online, or pay bills.
With the RushCard, the cardholder doesn’t have to worry about going into debt, overdrawing an account, or incurring costly fees. Cardholders enjoy the freedom and security of having a prepaid Visa card to make payments, track day-to-day spending, build a positive credit file, and manage their monthly finances.
UniRush is a card issuer that has one of the longest standing consumer reloadable prepaid cards to offer a direct deposit loading option. It is the first to offer direct deposit to a Prepaid Visa card, the first to offer check-writing capabilities to prepaid debit cardholders. The first Prepaid Visa card allowing cardholders to load funds at MoneyGram, which is in approximately 40,000 locations nationwide. The first prepaid debit card to offer comprehensive online money tools allowing cardholders to track balance trends, categorize and analyze personal spending, and create and monitor monthly budgets.
Russell Simmons and the RushCard have been featured on 60 Minutes II, CNN, CNBC, Fox National News, PBS, NPR, The New York Times Magazine, and the covers of Business Week and Fast Company magazine.
Similar to unsecured credit cards and standard credit cards, it is important to read all the terms and conditions with a credit card offer before filling out a credit card application to ensure you find the best credit card to fit your needs.
* The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. “Guaranteed Approval” is contingent upon successfully passing this mandatory identification confirmation.
Capital One continues to heavily promote their credit card offerings. Included in their marketing efforts is the No Hassle Cash Rewards credit card offered by Capital One.
The Capital One No Hassle Cash Rewards Credit Card is marketed towards individuals with what is considered an average credit rating.
Capital One briefly summarizes an average credit rating is one in which an individual has or has had a U.S. loan or credit card, the credit limit on a current credit card, if any, is less than $5,000 and the individual may have been late on more than one credit card, medical bill, or loan payment in the last six months.
The credit card is categorized as a cash back credit card and earns 1% cash back on all purchases, without limits to what the credit card holder can earn. Specific conditions for the credit card qualifying purchases to receive the credit card cash reward state that the cad holder will earn 2% cash back on net purchases (purchases minus any credits or returns) at gas stations and major grocery stores. And the credit card holder will earn 1% cash back on all other purchases.
There are some fairly standard restrictions on the credit card cash back rewards this includes disallowing cash back credit or bonuses on cash advances, transferred balances, any checks used to access your account, finance charges, fees of any kind, service charges, unauthorized charges and ATM.
The credit card also features a credit card APR of 19.8% and a $39.00 annual fee. The credit card rate is a variable rate that may vary quarterly. The credit card rate is determined by adding 16.55% to the Prime rate.
As long as the credit card account is open, the credit card holder will not lose earned credit card rewards. However, the credit card account must be in good standing in order to redeem the credit card rewards. In order to redeem cash rewards the credit card account must be open and in good standing which covers the credit card not being past due, not over the credit card limit, no fraudulent activity, restricted activities, part of a consumer credit counseling program, or bankruptcy settlement.
The credit card company that issues this credit card is Capital One Financial Corporation. Capital One Financial Corporation is a financial holding company whose subsidiaries include Capital One, N.A. and Capital One Bank (USA), N. A. Capital One Financial Corporation is a Fortune 500 company. As of March 31, 2009 the assets of Capital One Financial Corporation totaled over $121 billion in deposits and $150 billion in managed loans. The company is headquartered in McLean, Virginia. Capital One offers credit cards as well as a broad range of financial products and services to consumers and businesses. Capital One Bank has approximately 1,000 bank branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia.
In the business of credit card companies and credit card issuers, Citibank is one of the largest. As one of the largest credit card service providers, the bank is continually offering new credit cards and new credit card features. One of the new credit cards promoted by Citibank is their Citi® Secured MasterCard®.
This credit card is a secured credit card which means the credit card limit is based on the amount of funds deposited with the bank credit card company. Citibank goes the extra step by making the deposit an interest bearing certificate of deposit and allows the credit card holder the ability become eligible for an unsecured credit card in the future. In addition, Citibank markets the credit card for those with less than perfect credit and reports the credit card account holders’ payment history to the major credit report bureaus.
The amount deposited with the bank to obtain a credit card limit can be between $200.00 and $25,000.00. The whole time the deposit is held as security for the credit card us, you’ll earn a competitive annual interest rate on the CD.
The credit card is easy to qualify for. Since this credit card is a secured credit card there is no minimum income required to open the account or the need to have a co-signer.
Not only does the credit card deposit accrue interest but these credit cards are great for rebuilding damaged credit or for those individuals that have limited credit. According the Citibank marketing material, the credit card also has other benefits and services to help protect your credit, provide simple online account management, offer cash back or credit card rewards and more.
Per the Citibank disclosures, the credit card rate is 13.24% with a variable interest rate. The credit card does come with an annual fee, but it is a relatively low $29.00 per year. Additional information about this credit card can be found at the Citi web site which is located at www.citicards.com. Questions regarding the credit card and credit card services can be handled direct by a Citibank representative at 1-800-726-2109.
For additional information on Citibank CD rates please visit www.selectcdrates.com. For more information on credit issues and credit scores, visit www.freecreditscorehelp.com.
For credit card holders who are currently using a high interest rate card, it’s possible to save hundreds of dollars by switching to one of the credit cards promoted by IBERIABANK that offers one of the lowest credit card rates in the nation. IBERIABANK currently offers three types of credit cards.
Current credit card offers from IBERIABANK include the following:
IBERIABANK Visa® Classic Card
No annual membership fee
Low, variable rate APR
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Excellent Credit Required
Minimum 6 months length of employment with current employer, required
IBERIABANK Visa® Gold Card
Earn 1% in cash back credit on all qualifying purchases
No limit on cash back; no expiration date on eligibility for accounts in good standing
Travel accident coverage up to $500,000
No annual membership fee
Low, variable rate APR
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Excellent Credit Required
Minimum 6 months length of employment with current employer, required
IBERIABANK Visa® Platinum Card
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, travel, gift or experience rewards
Travel accident coverage up to $1,000,000
No annual membership fee
Low, variable rate APR
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Excellent Credit Required
Minimum 6 months length of employment with current employer, required
Credit card offers are subject to approval and will require the bank to process your application with proof of income on both the applicant and co-applicant. All 3 of the IBERIABANK credit card offers are marketed to individuals with excellent credit.
IBERIABANK is a subsidiary of IBERIABANK Corporation. The company was founded in 1887 and is headquartered in Lafayette, Louisiana. As of March 31, 2009 IBERIABANK had over $5.6 billion in assets. IBERIABANK Corporation is a multi-bank financial holding company with 152 combined offices in nine states. IBERIABANK Corporation operates as the holding company for IBERIABANK that offers commercial and retail banking products and services in the United States. It primarily engages in generating deposits and originating loans. IBERIABANK stock is traded on the NASDAQ Stock Exchange under the symbol IBKC.
This is a sample credit card promotion.