Rates Current as of Sunday September 24, 2017

Credit Card Promotions

Save money with the latest credit card promotions and credit card offers. Credit card promotions updated daily. Browse a list of the most current credit card promotions by credit card company or credit card category. Learn about current credit card offers including new credit card balance transfer offers, low interest rate credit card offers, cash back offers, business credit cards and more. Compare credit card promotional offers and apply for the credit card with the best credit card rate to fit your needs. Review a wide selection of credit cards with attractive promotional offers and special credit card deals. To find more information on specific credit card offers for low interest rate credit cards, credit card reward programs, credit cards for balance transfers, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards or cash back credit credit cards see the following pages:

balance transfer credit cards,credit cards for bad credit,prepaid credit cards, cash back credit cards, secured credit cards, student credit cards, business credit cards or gas credit cards.

Best Credit Cards for Restaurants and Dining Rewards August 2017

For quite a few credit card users, using a credit card is more than a payment tool, it’s a payment source that earns rewards for later use.  Rewards hungry credit card users can choose from a plethora of rewards programs in today’s credit card marketplace.  One very select, but highly prized, rewards category covers points earned for spending on restaurants and dining.

Credit card issuers have become very savvy at marketing to the active spender in the dining and entertainment categories.  Some credit card companies have very specific rewards offerings while others have a broader rewards earning platform.  Comparing the various top offers in the restaurant rewards segment allows new credit card shoppers to select the best rewards program for their budget and spending lifestyle.

The top cards for dining and restaurant rewards includes five credit cards.  All five credit cards offer a 3% rewards rate for purchases in the dining and restaurant category.  Four of the five card offer a signing bonus for new card holders.  Three of the cards offer and o% introductory rates two for purchases and one for balance transfers.  All but one of the cards have no annual fee.

Please note, credit for dining and restaurant purchases are determined by the merchant category codes.  Merchants determine the merchant category code used to identify transactions, which could impact the amount of cash back a credit card holder earns.

AARP® Credit Card from Chase

Card Summary:

3% cash back rewards at restaurants
$200.00 signing bonus for spending $500.00 in 3 months
0% intro rate for purchases and balance transfers for 12 months
No annual fee

The AARP® Credit Card from Chase offers 3% cash back rewards at restaurants.  Earning rewards is unlimited, no rewards cap, on all restaurant purchase transactions.  Restaurant purchases includes traditional dining out as well as fast food take out.

The card also offers 3% cash back rewards at gas stations and 1% cash back rewards on all other purchases.

The card also currently offering a new signing bonus.  New card holders can earn a $200.00 cash back bonus after spending just $500.00 on purchases in the first 3 months from account opening.

While this Chase credit card is branded as an AARP affiliated card, card applicants and card holders do not have to be AARP members.

In addition to the signing bonus, the AARP card has a 0% introductory rate on new purchases for the first 12 billing cycles that the account is open as well as 0% introductory rate on credit card balance transfers for the first 12 billing cycles that the account is open.

After the introductory rate expires, the credit card rate is 17.24% to 23.99%, based on the applicant’s creditworthiness.  The APRs will vary with the market based on the Prime Rate.

The card has no annual fee.

Capital One® Premier Dining Rewards Credit Card
(Also known as the World Elite MasterCard®)

Card Summary:

3% cash back rewards at restaurants
$100.00 signing bonus for spending $500.00 in 3 months
No annual fee

The Capital One® Premier Dining Rewards Credit Card is another card geared towards diners with a signing bonus.  The Dining Rewards Credit Card gives account holders 3% cash back on dining transactions, 2% on groceries, and 1% on all other purchases.  There are no caps on the dollar amount of purchases and no caps on the amount of rewards that can be earned.

The current signing bonus for this card is $100.00 for new card holders that spend $500.00 on purchases within the first 3 months from account opening.

There are no introductory rates on purchases and balance transfer.  The current rates offers are 15.49%, 20.49% or 24.49%, based on the applicant’s creditworthiness.

Costco Anywhere Visa® Card by Citi

Card Summary:

3% cash back rewards at restaurants
0% intro rate for purchases and balance transfers for 12 months
No annual fee

This relatively new credit card promoted by Citi is marketed to consumers to earn Costco cash rewards but the card also has generous dining rewards program.  With this credit card, card holders can earn 3% cash back on restaurant (including cafes, bars, lounges and fast food restaurants) and eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel.

The card also offers 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases, including the non–qualifying purchases listed above.

Currently, card holders can get a 0% introductory credit card rate on purchases for 7 months.  After the introductory rate period expires, the credit card APR is a variable, 16.24%. The APR will vary with the market based on the Prime Rate

There is no annual fee, there is also no sign-up bonus for this card.

PNC Cash Rewards℠ Visa® Credit Card

Card Summary:

3% cash back rewards at restaurants
$200.00 signing bonus for spending $500.00 in 3 months
0% intro rate for purchases and balance transfers for 12 months
No annual fee

The PNC Cash Rewards℠ Visa® Credit Card is yet another dining rewards card that allows card holders to earn 3% reward points on dining.  The card also has a signing bonus in place. New card holders can receive a $100.00 bonus after making $1,000.00 or more in purchases during the first 3 billing cycles following account opening.  This offer is valid through August 31, 2017.

Customers interested in Introductory 0% Annual Percentage Rate (APR) on balance transfers for the first 12 billing cycles following account opening when the balance is transferred within the first 90 days following account opening.  After the introductory rate expires the rate is 13.99% to 23.99% based on creditworthiness, the same rate applies to purchase transactions.  These APRs will vary with the market based on the prime rate.

This card has no annual fee.

Chase Sapphire Reserve Card

Card Summary:

3% cash back rewards at restaurants
$200.00 signing bonus for spending $500.00 in 3 months
0% intro rate for purchases and balance transfers for 12 months
No annual fee

The Chase Sapphire Reserve card has a 3% rewards program for travel and dining and has one of the most lucrative sign up bonuses for big spenders.  But, there are two caveats.  The sign up bonus requires $4,000.00 in purchase transactions in the first 3 months from account opening.  Of course, the bonus rewards customers with 50,000 bonus points.  The second caveat, the annual fee for this card is $450.00.

The credit card rate is 16.99% to 23.99%, based on the applicant’s creditworthiness.  These APRs will vary with the market based on the Prime Rate.

Credit card terms current as of August 3rd, 2017.  Rates, terms, and card offers subject to change.  Review the credit card agreements for current terms and conditions.

Wells Fargo Cash Wise Visa Card Online Promotion

Wells Fargo is joining the blitz of credit card promotions with a new online only promotion on the bank’s Cash Wise Visa Card.  The bank is now offering a $150.00 cash rewards bonus for account holders that spend $1,000.00 in net purchases within the first 3 months of opening a new Wells Fargo Cash Wise Visa Card account.

 

Along with the cash back bonus, the Wells Fargo Cash Wise Visa Card currently has a 0% introductory APR for 12 months on purchase transactions and balance transfers.  After the introductory rate period expires, the credit card APR will be 13.49% to 25.49%, based on the applicant’s creditworthiness.  This is a variable credit card rate, the credit card APR will vary with the market based on the U.S. Prime Rate.

Being that is a cash back credit card account, account holders can earn cash rewards on qualified purchase transactions.  Account holders can earn an unlimited 1.5% cash rewards on net purchases made with the Cash Wise Visa Card.  There are no category restrictions or quarterly sign ups needed to earn the 1.5% cash back.  Any cash rewards earned will not expire while the account is open.

New card members can also earn 1.8% cash rewards on Android Pay or Apple Pay mobile wallet purchases during the first 12 months from account opening.

Cash redemption options comes in a variety forms with the card.  Wells Fargo bank customers can use a Wells Fargo Debit or ATM card to redeem earned cash rewards at Wells Fargo ATMs.  Customers can set up direct deposit to have the rewards automatically deposited into a Wells Fargo savings or checking account.  Cash rewards can also be applied as a credit to a qualified Wells Fargo mortgage.  Additional, flexible cash redemption options available and additional conditions may apply.

Certain credit card transactions do not earn rewards such as cash advances, balance transfers and ATM transactions.  Full Terms and Conditions can be found online at the Wells Fargo web site, wellsfargo.com/credit-cards/visa-wise.

See the online credit card application for details about terms and conditions.  Reasonable efforts are made to maintain accurate information.  However all credit card information is presented without warranty.

Georgia’s Own Low Rate Credit Cards

When searching for a solid low rate credit card, make sure to look beyond the big credit card issuers that have plastered their ads all over the internet and look at the offers by the smaller financial institutions.  With a low rate credit card, you should be looking for a card with low costs, period. 

The credit card should have low costs to carry, low costs to use and then, any other ancillary perks you can get your hands on. The Visa or MasterCard financial network will handle most of the important transaction details; the issuer is mostly an afterthought.

Well, Georgia’s Own Credit Union has just such a product.

Georgia’s Own

The VISA Platinum card available through Georgia’s Own has one of the best credit card rates on the market combined with ultra low costs.  And just because it’s available through a credit union doesn’t mean you can’t get your hands on this card.  The loan products Georgia’s Own, which includes credit cards, are accessible to members only however, membership to Georgia’s Own is available to a wide audience including members of the Getting Ahead Association with is open to all consumers.

The Georgia’s Own VISA Platinum card has a credit card rate that is between 9.99% and 12.99% depending on the creditworthiness of the applicant.  The rate is the same, between 9.99% and 12.99%, for balance transfers as well as credit card cash advances.  It is a variable rate card; the APR will vary with the market based on the Prime Rate. 

There is no annual fee with this card.  There is also no balance transfer on the Platinum card.  There is a 25 grace period; the due date on the account will be at least 25 days after the close of each billing cycle.  The card also most standard credit card features including emergency card replacement, auto rental coverage, personal identity theft protection up to $1,000.00, travel accident insurance up to $500,000.00, 24-hour access to your account, and online reporting with customized reports.

More information about the credit card and credit card rates can be obtained by visiting the institutions web site located at georgiasown.org or calling the credit union’s customer service number at 800.533.2062.

See the online credit card application for details about terms and conditions.  Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

Low Rate Credit Cards in the Bluegrass Region

Low fixed rate credit cards and variable rate credit cards are available to residents of the Bluegrass region of Kentucky through Members Heritage Federal Credit Union.  Members Heritage is a federally insured credit union based in Lexington, KY.  As a not-for-profit cooperative association or credit union, Members Heritage generally offers lending products with lower rates than most major banks and financial institutions and this certainly holds true for their credit cards.

Members Heritage offers fixed rate MasterCards and Visa credit cards along with variable rate Visa credit cards.  The starting rate or lowest qualifying rate, for the fixed rate MasterCard is 9.75%.  The starting rate for the fixed rate Visa card is also 9.75%.  The variable rate Visa has rate that can be as low as 8.25%.    All credit cards and credit card rates are subject to credit approval.  Rates offered may vary depending on the creditworthiness of the applicant.

The best credit card rates available at Members Heritage FCU are well below the national average rate.  The average rates from competitors such as Capital One are almost ten percent higher than the rates at Members Heritage.

The low, fixed or variable annual percentage rates also come with no balance transfer fees.  In addition, the credit cards have a 25 day grace period on purchases before finance charges accrue.  The credit union also offers a reward program called the ScoreCard program which allows cardholders the ability to earn bonus points with every purchase.

More information about the credit card rates and card terms can be obtained by calling the Members Heritage customer service number at 800.359.3466 or by visiting the financial institution’s web site located at membersheritage.org.

Members Heritage Credit Union is based in Lexington, KY.  Branch locations can be found in Lexington, Winchester, and Nicholasville, KY as well as Zebulon, NC.  Membership to the credit union is available to consumers that live, work, attend school or worship in the counties of Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott and Woodford.

Contact the credit card issuer or see the online credit card application for details about terms and conditions.  Reasonable efforts are made to maintain accurate information however; all credit card information is presented without warranty.

Best Credit Card Rates in Denver Metro Region with Westerra

Credit unions typically offer much better deals on credit and loan products and the credit cards offered by Westerra Credit Union are no exception to this rule.  Compare the credit card rates from Westerra Credit Union in Colorado to find the best credit card rates and deals in the Denver metropolitan region. 

Westerra Credit Union ranks among the top 150 credit unions in the United States and that financial muscle gives it the power to offer Visa credit cards that have some of the lowest rates and fees on the market.

Under 10% Rate, No Annual Fee and No Balance Transfer Fee.

Westerra offers two different Visa cards, the Visa Platinum credit card and the Visa Classis credit card.  The Visa Platinum credit card has annual percentage rate of 9.90%.  This rate applies to purchase transactions, balance transfers, and cash advances.  The credit union currently has a promotional balance transfer rate of 5.90% on this card that runs for a period of six billing cycles.

As for the credit card fees, there is no annual fee with the Platinum card.  There is no balance transfer fee either.  The cash advance fee is $2.00 or 2.00% of the amount of each cash advance, whichever is greater.

The Westerra Visa Classic credit card has an interest rate of 13.90%.  The rate applies to purchases, balance transfers and cash advances.  For the Classic card, the credit union has a new promotional balance transfer rate of 7.90% that runs for a period of six billing cycles.  Similar to the Platinum card, there is no annual fee or balance transfer fee.  The cash advance fee is $2.00 or 2.00% of the amount of each cash advance, whichever is greater.

Westerra Credit Union 3

Westerra Credit Union is a well capitalized financial institution based in Denver, CO that has over $1 billion in total assets.  The products and services offered by Westerra are available to members of the credit union.  Membership is open to those who live or work in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas or Jefferson county, Colorado; City of Aurora, Colorado; Denver Public Schools and Jeffco Public Schools employees, students, graduates, retirees and family; Safeway Corporation employees and family; other employee groups and family.

More information about the credit card rates and other products and service offered by Westerra Credit Union can be obtained by visiting the financial institution’s web site at westerracu.com or by calling credit union toll free at 1-800-858-7212.

The information on this website is being provided by Bestcreditcardrates.com to help consumers compare credit card offers, terms and conditions.  While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary or have changed.  Information is provided without warranty.  Review the card issuer’s online application for details including current credit card rates, terms, and conditions.

Best Credit Card Rates in Utah at Jordan Credit Union

Consumers searching for a new credit card with low rates in Utah will find a few solid choices with below market rates at Jordan Credit Union.  Jordan Credit Union features some of the lowest credit card rates with very few fees.  The credit union offers a VISA Classic credit card, VISA Preferred credit card, and the VISA Platinum credit card. 

The current APRs on the credit cards offered start at 7.90% and go up to 15.00% based on credit worthiness of the applicant.  There is no annual fee with the cards.  There is also no balance transfer fee.  The credit card rate on these cards applies to purchase transactions as well as balance transfers and credit card cash advances. 

Go ahead and compare these credit cards against the best credit card deals offered by the big banks, Jordan CU wins.  In fact, the credit card application disclosures for these cards are about as simple and straight forward as can be due to the limited rate tiers and low fees.

The Jordan Credit Union credit cards provide a number of traditional card services as well.  Additional services include auto rental protection, worldwide ATM access, fraud protection and travel security, and a 28 day grace period on purchase transactions.

Credit cards promoted by Jordan are open to members only.  Jordan Credit Union is a financial institution headquartered in Sandy, Utah and is regulated under the authority of the National Credit Union Administration (NCUA).  The credit union operates six fully accessible locations and has over $200 million in assets.

Membership in Jordan Credit Union is open to consumers that live, work, worship, volunteer or attend school in Salt Lake County, Utah or are employee or employers of a Select Employee Group (SEG).

More information about the credit union credit cards and credit cards rates can be obtained by visiting the credit union web site at jordan-cu.org or by calling the Jordan Credit Union customer service number at 801-566-4195.

The information on this website is being provided by Bestcreditcardrates.com to help consumers compare credit card offers, terms and conditions.  While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary or have changed.  Information is provided without warranty.  Rates are subject to change without notice.  Review the card issuer’s online application for details including current credit card terms and conditions.

Superior VISA Credit Cards in Ohio Under 8%, Fresh Start, and Rewards

Superior Federal Credit Union offers a number of credit cards for consumers with rates and terms that are far better than the average credit card rates and terms offered by the big credit card companies.  The Superior VISA Credit Cards are available as low rate cards, rewards credit cards, cards for first time card holders, and credit cards for those with less than perfect credit.

The Superior VISA Premier credit card is designed for consumers with excellent credit that want a low rate, low cost card.  This credit card has low variable rate of 7.25% APR.  The rate is based on the Prime Rate plus a margin of 4.00%.  There is no annual fee with the card.  The low rate on this card applies to purchase transactions as well as credit card balance transfers and cash advances.

For consumers that don’t have perfect credit, Superior offers the Smart Choice VISA.  This card also has no annual fee and comes with a low variable rate of 11.25% APR.  The variable credit card rate is based on Prime plus 8.00%.  This card is ideal for the credit union member who wants a low rate but has less than perfect credit.

Consumers that have had some more credit blemishes in the past may find the Fresh Start VISA is the best choice.  The Fresh Start VISA has low fixed rate of 18.00% APR.  There is an annual fee of $50.00 associated with this card.

Superior offers a rewards credit card aptly named the Superior VISA Rewards card.  This card has no annual fee and provides a straightforward rewards programs.  The card gives card holders the opportunity to earn 1% cash back that is deposited directly into their account each month.  The rewards card has a variable rate of 15.25% APR or Prime plus 12.00%.

And finally, Superior offers a credit card for first time card holders called the MyFirst VISA card.  This credit card has no annual fee and a low fixed rate of 18.00% APR.  The card is geared towards college students and young adults looking for credit access or to build a credit history.

All credit cards require membership in the credit union.  Superior Federal Credit Union is a full-service financial institution that serves members in West Central Ohio through 10 branch offices, online banking and other electronic resources.  Superior FCU currently serves over 51,000 members with assets of $480 million.  The credit union also provides consumer and mortgage loans, brokerage services, home and auto insurance, checking and savings accounts, and small business services and loans.

The credit union offers membership to anyone who lives, works, worships, or attends school in Allen, Auglaize, Hardin, Mercer, Putnam, and Van Wert counties in Ohio.

More information about the credit card, credit card rates and other products and services can be obtained by visiting the Superior FCU web site at superiorfcu.com or by calling the Superior customer service number at (877) 717-2271.

The information on this website is being provided by Bestcreditcardrates.com to help consumers compare credit card offers, terms and conditions.  While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary or have changed.  Information is provided without warranty.  Review the card issuer’s online application for details including current credit card terms and conditions.

RCU Platinum Rewards Visa Card Under 8.00%

The Platinum Rewards Visa card offered by Wisconsin based Royal Credit Union has low fees, allows account holders to earn rewards, and has a variable interest rate that is currently under 8.00%. 

The RCU Platinum Rewards Visa Card current interest rate is 7.75%.  The credit card rate is applied to purchase transactions made with the card, balance transfers, and credit card cash advances.  There is no annual fee for this credit card and account holders will pay no fee for transfer balances from another card.  This card also has a grace period of no less than 26-days for purchase transactions.

In addition to the low rates and fees with this card, card holders can earn rewards for using it.  Customers can redeem points online for merchandise, travel rewards, and other benefits.

The low rate of just 7.75% APR is a variable rate based on the Prime Rate.  The variable APRs are based on the current Prime Rate of 3.25%.

The credit card is available to Royal Credit Union members only.  Royal Credit Union is a federally insured credit union serving over 150,000 Members with 26 full service offices in Wisconsin and Minnesota.  Consumers can open an account or apply for a low-cost loan ort credit card at RCU if they live or work in 18 counties in Western Wisconsin, 12 counties in the Twin Cities Metro in Minnesota, or are a Realtor in Wisconsin or Minnesota

More information about the credit card rates and terms as well as the other products and services offered by RCU by visiting the credit union web site located at www.rcu.org or by calling the customer service number at 1-800-341-9911.

RCU       The information on this website is being provided by Bestcreditcardrates.com to help consumers compare credit card offers, terms and conditions.  While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary or have changed.  Information is provided without warranty.  Review the card issuer’s online application for details including current credit card terms and conditions.

KALSEE Credit Union Low Fixed Rate Credit Cards

KALSEE Credit Union offers two fixed rate credit cards.  The credit cards are both VISA branded cards that have no annual fees.  Both of these credit cards also have no balance transfer fees and no cash advance fees and come with a full 25-day grace period on purchases.  And the low rates on these cards, low as in under 11 percent, are fixed rates.

The KALSEE Credit Union Classic credit card comes currently has a fixed interest rate of 10.90 percent.  The KALSEE Credit Union Platinum Preferred credit card currently has a fixed interest rate of 8.90 percent.  The same fixed rate for purchase transaction applies to balance transfer made with the card as well as cash advances.

The Classic card is a straight up, fixed credit card with a great rate and practically no fees.  While the Classic card has a standard gamut of benefits there are no bells and whistles that come with the card.

The Platinum Preferred credit card offers the standard benefits along with reward points.  Account holders can earn bonus points with each purchase made using the card.  The bonus points can be redeemed for merchandise or travel rewards. 

KALSEE Credit Union is a full-service, financial institution based in Kalamazoo, Michigan offers a full range of banking and financial solutions for personal or business needs.  Accounts and services, including credit card accounts, are offered to credit union members only. 

New membership is open to individuals and families that live, work, or are educated in the following Michigan counties: Allegan County, Barry County, Branch County, Calhoun County, Cass County, Kalamazoo County, St. Joseph County, and Van Buren County.  Additional membership opportunities are also available.

More information on the credit union and the credit union credit cards can be obtained by visiting the KALSEE web site at kalsee.com or by calling the credit union customer service number at 1-877-KALSEE1.

The information on this website is being provided by Bestcreditcardrates.com to help consumers compare credit card offers, terms and conditions.  While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary or have changed.  Information is provided without warranty.  Review the card issuer’s online application for details including current credit card terms and conditions.

SECU Credit Card Rates Well Below 10%

The popular credit cards with the best credit card rates on the market today have rates that barely fall below 10.00%.  A credit card rate under 10.00% is a chart topper in this rate environment and one under 9.00% is almost unheard of.  Not only is the Visa credit card promoted by State Employees’ Credit Union under 10.00%, but this rate applies to credit card purchases, credit card balance transfers, and credit card cash advances.

The current rate on the SECU Visa credit card is 7.75%.  The credit card rate on the SECU Visa credit card is a variable rate that is not tied or linked to the Prime Rate but rather the 6-month Treasury Bill.  The variable APR is subject to change quarterly and is based on the first 6-month Treasury Bill Auction held each quarter which establishes the index.  A margin of 7.50% is added to the index to establish the interest rate.  There is no minimum interest rate and the maximum rate is18.00% variable APR.

The credit card has no annual fee, no balance transfer fees, and no cash advance fees.  Along with the standard credit card qualifications regarding income and credit, in order to obtain this card an applicant must be a member of the State Employees’ Credit Union (SECU) based in Raleigh, NC.

Membership is limited to persons who meet the eligibility requirements.  Eligibility requirements include State of North Carolina employees, public school employees, retirees from state employment or the public school systems, employees in county departments of health, mental health, social services or civil defense, and all members of the North Carolina National Guard.  This is not a complete list of eligibility requirements; please consult the credit union for complete membership eligibility requirements.

SECU is based in Raleigh, NC.  The credit union serves over 1.5 million members and has just under $25 billion in assets with over 250 branches.  The credit union offers a diversified line of financial products and services including financial advisory services including retirement and education planning, tax preparation, insurance, trusts, estate planning and investments through its partners and affiliated entities.

More information about the credit card offered by SECU, the credit card rate, as well as the other products and services offered can be obtained by visiting the institution’s web site at ncsecu.org or by calling the toll free customer service number at (888)732-8562 or (919) 857-2150.

Bestcreitcardrates.com is a consumer finance site that offers credit card information and independent reviews on a variety of credit cards and credit card services.  The information presented comes from reliable sources however, the information is not guaranteed.  Please review the credit card application and the terms and conditions before applying for a new card.

Best Credit Card Rates at Eastern Indiana Credit Union

Eastern Indiana Credit Union offers consumers two choices for credit cards, both with low rates and fees.  Consumers can choose either the VISA Classic credit card or the VISA Platinum credit card at the credit union.  Rates and fees on the Eastern Indiana cards are currently well below the national average rate for new credit card offers.

The credit cards from Eastern Indiana provide a number of benefits that includes a solid combination of purchasing power and long term savings.  With these cards, account holders will avoid paying steep annual fees and high interest rates that are ubiquitous on the credit cards issued by most major card issuers.

Consumers will find rates as low as 7.90% Annual Percentage Rate (APR), available on the Platinum card.  Rates may be as low as 9.90% for the Classic card.  There are no annual fees on either card along with no cash advance fees and no balance transfer fees.  Both credit cards also provide 25 day grace period on purchases.

The credit union currently offers a promotional rate for balance transfers.  New account holders will pay a low 4.9% introductory balance transfer APR for six (6) months.  After the promotional period ends, the APR will be 9.90% on the Classic card and 7.9% on the Platinum card.

The Eastern Indiana Credit Union credit cards are subject to approval and require membership in the credit union.  Membership is generally available to persons who live, work, worship, or go to school in, or businesses and other legal entities in the counties of Henry or Rush County, Indiana.  Eastern Indiana Credit Union is a community chartered credit union established in 1950 and based in New Castle, IN.

More information about the credit card rates and terms can be obtained by visiting the credit union web site located at easterninfcu.com or by calling the main customer service number at 866-529-6632.

Visa Card 2

Reasonable efforts are made to maintain accurate information regarding all credit card offers.  However all credit card information is presented without warranty.  Contact the credit card issuer or review the online credit card application for details about current credit card terms and conditions.

Bestcreditcardrates.com presents this credit card review along with additional tools and resources to help consumers research the best credit card offers with the best credit card rates available to help find the right credit card for their needs.

R1 Credit Union offers Two Great Credit Card Deals

Resource One Credit Union offers two credit card options with rates and terms that put to shame the rates and terms offered by the nation’s largest credit card issuers.  Resource One Credit Union offers a standard VISA credit card, the R1 VISA Platinum credit card, and a secured credit card, the R1 VISA Platinum secured credit card.  Both accounts have rates that are far lower than the national average credit card rate with very limited account fees.

The R1 VISA Platinum credit card comes with an interest rate that can be as low as 9.75% APR.  The credit card also has a balance transfer rate of 7.77% APR and this rate is not a promotional rate but is good for the life of the transferred balance.  The Platinum card has no annual fee.

The R1 VISA Platinum secured credit card has a fixed interest rate or APR of 9.75%.  There is no annual fee and no cost to obtain the credit card.  The secured card is useful tool for consumers that are trying to establish a credit history or building on their existing credit profile.

Some restrictions may apply and additional terms and conditions may also apply for both credit cards.  A full list of the Platinum VISA credit card benefits and other information about the card can be found at the credit union web site located at r1cu.org.  Additional information about the credit card offers at Resource One can be obtained by calling the credit union directly at (800) 375-3674.

Resource One Credit Union 2

Resource One Credit Union is based in Dallas, Texas.  Like all credit unions, Resource One is a not-for-profit financial cooperative that is owned by the consumers that are members and use the institution’s resources.

Resource One Credit Union membership is available to persons who live or work in Dallas or Northwest Harris (Houston) counties.  Additionally, the Credit Union offers membership eligibility to employees or associate members of various companies and organizations.   These companies and organizations are known as Select Employee Groups.

All credit card requests are subject to Resource One Credit Union guidelines and credit approval.  Credit card agreements change frequently, read all disclosures carefully before applying for a new card.  Rates and terms are subject to change without notice.  The review is based on information that is believed to be accurate as of this publication date but is not guaranteed.

Union Plus Credit Cards

Union Plus Credit Cards are affinity credit cards made available to current and retired union members.  There are three Union Plus credit cards available to qualified applicants.  Union Plus credit cards include the Cash Rewards card, Rate Advantage card, and Credit Access card.

The Union Plus Cash Rewards card offers card holders 1.5% cash back on every purchase with no limit to the amount that can be earned.  The card has now offers a 0% introductory APR for the first 12 months on purchase transactions and balance transfers.  After the introductory rate period expires, the credit card rate is a variable rate that will be between 12.90%-20.90%, depending on the qualifications of the applicant.

The Union Plus Rate Advantage card is a low rate credit card.  The card has an introductory credit card rate of 0% for the first 15 months on purchases and balance transfers.  The regular credit card rate is a variable rate between 10.90%-18.90%, depending on the qualifications of the applicant.

The Rate Advantage card is a card geared towards applicants with less than perfect credit or simply, good credit.  This card also has a 0% introductory rate for the first 9 months on purchase transactions only.  After the intro period, the variable credit card rate is 19.80%.  The card also comes with a reward component, 1.5% cash back on every purchase with no limit to the amount that can be earned

There is no annual fee on the Union Plus Credit Cards.  These cards also come with an exclusive hardship grant program available to eligible cardholders.  Grants can be in the form of disability grants, job loss grants, hospital expense grants, or strike grants.  All grants approved for eligible cardholders are paid by check and the card holder never has to pay them back.  Additional information about these hardship assistance grants and eligibility criteria can be obtained atUnionPlus.orgAssistance or by calling Union Privilege at 202-293-5330.

Union Plus

All three cards are offered through Capital One.  Current and retired union members are automatically eligible for their union’s Union Plus benefits, including the Union Plus credit cards.  More information can be found at the Union Plus web site, unioncardapply.com or by calling the toll free customer service number, 1-800-522-4000.

Reasonable efforts are made to maintain accurate information regarding the credit card and credit card promotion, though all credit card information is presented without warranty.  For complete details regarding the products and services, visit the credit card issuer website.

Tulsa Federal Credit Union Best Credit Card Rates

Tulsa Federal Credit Union has a number of low rate loan products for its members including low rate credit cards.  Tulsa FCU credit cards are some of the best in the category of low rates and fees.  The cards have some of the best credit card rates on the market, certainly better than the average rate offered by the more popular credit card issuers including Chase, Citibank, Discover and Capital One.

The Tulsa Traditions Visa credit card and Tulsa Traditions Rewards Visa credit card are the two cards currently available from Tulsa Federal Credit Union.  These cards come with low interest rates and have no annual fee.  Both cards also have no balance transfer fee and the credit union is currently offering a 2.99% rate on balance transfers for a year.

The credit card rate on the Tulsa Traditions Visa credit card is between 7.25% – 13.25%; based on the applicant’s creditworthiness.  The Tulsa Traditions Rewards Visa credit card has a credit card rate that is between 10.25% – 16.25%; based on the applicant’s creditworthiness.  The APR assigned to both cards will vary with the market based on the Prime Rate.

The Tulsa Traditions Rewards Visa credit is a…rewards credit card.  Leave it to Americans in the Heartland to make it simple.  The rewards card earns account holders 1 point for each dollar spent on qualifying purchases.  The points can be redeemed for cash, travel or merchandise.

Tulsa Credit Card           Tulsa Credit Card 2

The credit cards are available to current and new members only.  Membership with Tulsa Federal Credit Union is open to the following groups and individuals: Anyone who lives, works, worships or attends school in Tulsa, Creek, Okmulgee, Osage, Pawnee, Rogers, and Wagoner Counties (Tulsa MSA).  Immediate family and household members in the listed groups are also eligible for membership.

More information about the credit union, the credit card offers and the credit card rates can be obtained by visiting the Tulsa FCU web site at tulsafederalcu.org or by calling the credit union’s customer service number at 918.610.0200.

Langley Credit Union Offering a Wide Choice of Low Rate Credit Cards

Langley Federal Credit Union offers its members three different credit cards with interest rates that can be well below the national average.  Low rate credit cards at Langley start at 7.00% APR.  For a limited time, Langley is also offering a low rate balance transfer rate of 4.99%.  The introductory 4.99% APR applies to balance transfers only through June 30, 2015.

Credit cards available from Langley FCU include the Langley Select VISA Platinum card, the Langley Rewards Signature card, and the Cash Back VISA Signature card.

The Langley Select VISA Platinum card offers car holders the lowest credit card rate available.  The best credit card rates on the Langley Select card is 7.00%, the rate may run higher, anywhere from 7.00% to 18.00% depending on the creditworthiness of the applicant.  As with all of the credit cards at Langley, the rate offered is a variable that applies to purchase transactions, balance transfers, and convenience checks.

The Langley Rewards Signature is a low rate, rewards card available at the credit union.  The Rewards Signature credit card offers a reward point for each dollar spent.  The rewards points can be redeemed at the CURewards Mall for merchandise, gift cards, airline tickets, vacation packages, and more.  The credit card rate is between 8.50% and 14.50% for this card, depending on the creditworthiness of the applicant. 

The third card in the Langley credit card arsenal is the Cash Back VISA Signature card.  The Cash Back VISA Signature card offers 1% cash back on all purchases.  The 1% credit is applied to the account holder’s credit card balance and shown on their statement each month.  This credit card has an interest rate that is between 9.00% and 15.00%, depending on the creditworthiness of the applicant.

The APRs listed will vary with the market based on the Prime Rate.  The rate for each card is based on the Prime Rate plus a margin with the amount of the margin dependent on the approval terms and card type.

All of the credit cards come with a variety of standard features and benefits such as travel accident insurance, auto rental collision damage waiver, warranty manager service, and
travel and emergency assistance service.

All credit card offers are dependent on credit qualifications.  Credit card rates and terms are subject to change at any time.  The promotional APR for balances transferred will remain in effect through the December 2015 credit card statement cycle – after which time any unpaid 4.99% balance transfers will carry your card’s standard rate.  Additional terms and conditions apply.

More information about the credit union and the credit card offers can be obtained by visiting the Langley Credit Union web site at langleyfcu.org or by calling the credit union customer service number at 800-826-7490.

An Ultra Low Rate Credit Card Flying Under the Radar at 5.90%

A low rate credit card at 5.90% for purchase transactions, balance transfers, and cash advances.  That right, 5.90%.  The Great Rate Card at University Federal Credit Union offers these terms and has one of the absolute best credit card rates available. 

Go ahead compare rates.  Check with the big banks, review Discover card rates, Citibank credit card rates, Chase credit card rates or any of the other major card issuers.  And then engage in a Googles search – which will return the most god awful results for the best credit card rates – and you will not find a rate that touches under six percent.

The Great Rate Card at UFCU is no stripped down model or bare bones card without bells and whistles.  Once again, the features and fees on this card put the smack down on the big boys and the more popular cards on the market.  The low APR is valid for pretty much everything including purchases, cash advances and convenience checks.  And if you want to do a balance transfer, there’s no fee.  Right – no balance transfer fee.  There are also no over-the-limit fees and no annual fee.

The interest rate on the card is a variable rate starting at Prime + 2.65% for the most qualified applicants.  Rates may be higher depending on the applicant’s credit and risk score.  For those credit card applicants that have good credit, the credit card rate rises to 8.90%.  Applicants with a fair credit background will find the arte at 10.90% and those with marginal credit may get a rate of 14.90%.  

Standard network features also come with the card such as 100% liability protection on fraudulent activity.  No matter how you slice this offer, this is among the best credit card rates and terms available today.

The Great Rate Card is available to members of University Federal Credit Union only.  However, anyone who is a member of The Longhorn Foundation can join the credit union. The Longhorn Foundation operates as the fund-raising arm of the men’s and women’s athletic departments, as well as a social structure for those who enjoy affiliation with the Longhorns.  A one-time $20.00 donation to The University of Texas is required to become a member.

ufcu

With assets over $1.75 billion, UFCU serves more than 188,000 members located in the Galveston and Central Texas.  UFCU serves members from more than 230 different employee groups, including UTMB, Texas A&M University-Galveston, Galveston College, and Galveston Regional Chamber of Commerce’s employees and members.  Deposit accounts at UFCU Backed by National Credit Union Administration (NCUA) fund insurance.

More information about the low rate credit card and the products and service offered by University Federal Credit Union can be obtained by visiting the credit union web site at ufcu.org or by calling the customer service number at (800) 252-8311.

Information listed is believed to be accurate but is not guaranteed.  All credit card rates, features, terms and conditions are subject to changes at the issuer’s discretion.

Maybe the Best Secured Credit Card on the Market

Once again, you are not going to find the best credit card rates and terms at one of the major credit card companies.  The best secured credit card is coming from a credit union.  First Tech Federal Credit Union has what may very well be the best secured credit card with the most desirable terms and features.

The First Tech Visa Platinum Secured credit card starts with no annual fee.  There is also no balance transfer fee, no cash advance fee, and no foreign transaction fees.  Wow, tough to find a traditional credit card that has no fees for all those transactions.

For consumers that already have a secured credit card, the First Tech secured card has a low rate balance transfer promotion.  Card holder can pay off their balances faster and pay less interest with the credit union’s 3.99% APR introductory balance transfer rate which is good for 6 months.  And there is no fee for the transfer.

Not only does the card have low costs but First Tech offers low interest rates as well.  The Visa Platinum Secured card currently has an interest rate of 16.00%.  This is a variable rate that will vary with the market based on the Prime Rate.

This a secured credit card that is secured by a deposit made into an account held at First Tech.  The minimum amount for a secured card is $500.00. 

The credit card is great for anyone who is establishing or re-building credit or has no credit or even a negative credit history.

Once an account is opened, an account holder can manage their account and monitor transactions anytime, anywhere with a free mobile app.  The credit card also offers standard Visa credit card services such as Visa’s Zero Liability guarantee and online purchase protection.

Accounts at the credit union are available to members only however, anyone can join by first becoming a member of the Financial Fitness Association.

First Tech Federal Credit Union is an over $7 billion institution headquartered in Mountain View, Calif.  The credit union serves many of the world’s leading technology-oriented companies and their employees, including HP, Microsoft, Agilent, Intel, CISCO, Amazon, Nike, CH2M Hill, Intuit, Google and more.  First Tech offers a full range of banking services, including traditional banking, mortgage, financial planning and insurance services.

More information about the secured credit card and the products offered by First Tech can be obtained by visiting the credit union web site at firsttechfed.com or by calling their customer service number at 855.855.8805.

First Tech Visa Platinum Secured credit card

First Tech Federal Credit Union reserves the right to change terms, rates and fees at its discretion.  Certain terms, conditions and exclusions apply.

City & County Credit Union Credit Card Balance Transfer Promotion

City & County Credit Union based in Saint Paul, MN has a new credit card promotion for balance transfers made to the credit union’s Visa Platinum credit card.  For a limited time, City & County Credit Union (CCCU) is offering a one percent rebate on balance transfers made to the Visa card.  That’s one percent of the amount transferred to the card given to the card holder.

The CCCU Visa Platinum credit card comes with an interest rate that can be as low as 8.99 percent APR.  The APR, annual percentage rate, is a variable rate that will be between 8.99 percent and 18.00 percent.  Actual APRs may vary based on credit history. Rates are subject to change at any time without notice.

There is no annual fee with the CCCU Visa Platinum credit card as well as no balance transfer fee.  The card comes with some standard Visa features such as identity theft protection, travel and emergency assistance, auto rental damage collision waiver, and emergency card replacement.

The one percent balance transfer promotion ends May 31, 2015 and excludes transfers from an existing CCCU Loan account.  The balance transfer rebate awarded will be deposited to the account holder’s share account at the credit union by June 30, 2015 and any balance transfers paid in full by that date will not be eligible.  Additional terms and conditions may apply.  See Review the Visa credit card terms & conditions for complete details.

The CCCU credit card promotion is open to new and existing members only. Membership is open to anyone in Ramsey, Washington or Dakota County or the cities of Maple Grove, Osseo or Plymouth as well as relatives of any current CCCU member and persons who reside in the same household of a current CCCU member. Membership is also available to employees of companies that offer membership as a benefit.

CCCU has locations in St. Paul, Maplewood, Eagan, Shoreview, and Lake Elmo, Minnesota.  Account holders have access to more than 6,800 shared branch locations nationwide as well as 52,000 free ATMs throughout the United States in addition to the credit union’s mobile and online banking services.

More information about the credit card and the credit card balance transfer promotion can be obtained by visiting the CCCU web site at cccu.com or by calling the customer service number at (800) 223-2801.

Community Choice Cash Back Balance Transfer Offer

Balance transfer credit card offers with low rates and fees are fairly common, cash rewards card offers are also fairly common, but a financial institution that not only has a low rate and no fee credit card that pays cash back for making balance transfers – that’s uncommon.  Community Choice Credit Union (CCCU) of Iowa has just such an offer.

CCCU offers a Visa Platinum credit card with a low variable annual percentage rate and no annual fee or balance transfer fee and for a limited time, the credit union will pay its customers to transfer their credit card balances to this card.  Account holders that transfer $2,500.00 to $4,999.00 will earn as cash back reward of $25.00, for balance transfers between $5,000.00 and $9,999.00 the cash back reward is $50.00, and balance transfers of $10,000.00 or greater earn cash back of $150.00.

The Visa Platinum card is also a cash rewards card that earns 1% cash back on net purchases posted during the cycle quarter.  Minimum amount of purchases to qualify in a cycle quarter is $3,000.00.  To receive the quarterly reward credit, the account must be open and in good standing.

Community Choice

The current rate on the Visa Platinum card is 10.25% APR. The Annual Percentage Rate may vary quarterly, and will be determined according to an index.  The index is the highest prime rate charged by banks as published in the Money Rates Column in the Wall Street Journal as of the last business day of each quarter.  The Annual Percentage Rate is equal to the index plus 7%.

Community Choice Credit Union is an Iowa based credit union that offers its members a combination of competitive rates, a wide assortment of financial products, personal service and security.  The credit union serves health related professionals, employees and volunteers of Mercy Health Center of Central Iowa and its directly associated subsidiaries, affiliates, clinics and health care providers as well as anyone living or working in Adair, Boone, Clarke, Dallas, Greene, Guthrie, Hamilton, Hardin, Jasper, Lucas, Madison, Mahaska, Marion, Marshall, Monroe, Polk, Poweshiek, Story, Union, and Warren, IA.

The cash back offer for balance transfers is available for a limited time. Additional terms and conditions may apply.  More information about the credit union and the credit card balance transfer promotion can be obtained by visiting the Community Choice web site at comchoicecu.org or by calling the customer service number at 515-334-8100.

Low Fixed Rate, No Balance Transfer Fee Credit Card Promotion at UMe

The UMe Visa Platinum credit card has a low fixed interest rate combined with no annual fee and no balance transfer fee for account holders that want to save money by reducing their debt more quickly.

UMe is a credit union based in Burbank, California.  The UMe Visa Platinum credit card has a credit card rate that can be as low as 9.90% fixed APR.  This APR places the Ume Visa Platinum card head and shoulders above most other consumer credit cards.

In addition to no balance transfer fees, the UME Visa Platinum credit card has no cash advance fees, no foreign transaction fees, no annual fee, and no application fee.  These account features allow card users to make cash advances at the same rates and costs as purchase transactions and charges out of the country less costly.

Taking on new credit card debt can be a big responsibility.  Before signing on the dotted line, new credit card applicants should find out whether the credit card has low costs with interest rates that are reasonable and fees that are easy on the pocket book.  The fees and interest rates on the UMe Visa Platinum credit card certainly make this card a stand out using any measure of costs.

UMe Platinum Credit Card 2

All credit cards are subject to credit approval by Ume Federal Credit Union.  The credit card APR is based on an evaluation of the applicant’s creditworthiness and is fixed for the renewal period, which is 2 year time period.  Individual rate offers may vary.  The current interest rates on the UMe Visa Platinum credit card will be between 9.90% – 17.90%.

Products and services offered by UMe are open to members only.  Membership is available to individuals and their families that live, work, worship, belong to an organization or attend school in Burbank.

More information about UMe and the credit card offer can be obtained by visiting the institutions web site at umecreditunion.com or by calling the UMe customer service number at (818) 238.2900.

See the online credit card application for details about terms and conditions at the UMe credit card products.  Reasonable efforts are made to maintain accurate information about the credit offer listed.  However all credit card information is presented without warranty.

Pacific Service CU No Fee Balance Transfer Card and Cash Back Day

Pacific Service Credit Union not only offers a low rate Visa Platinum card but they are now promoting the card with a one day special promotion that rewards card holders for transferring balances to the credit card.

Customers that transfer their credit card balances to a Pacific Service CU Visa Platinum card we’ll be given a cash back bonus of up to $100.00.  The cash back incentive rewards card holders with a 1% of the balance transfer amount from another lender to a Pacific Service CU Visa Platinum card on April 1, 2015 to a maximum of $100.00.

The Pacific Service CU Visa Platinum card is a low rate credit card with virtually no fees.  The credit card has an annual percentage rate that is variable and ranges between 8.90% – 13.90%.  The credit card has no annual fee, no balance transfer fee, and no cash advance fee.

With the cash back balance transfer offer, the cash back earned will be deposited to a savings account at the time of the transfer.  Members must be in good standing to receive the cash back rebate.  The balance transfer must be processed by visiting a branch, calling a member service representative, or using the online balance transfer form.  Additional terms and conditions may apply.

The credit card rates listed are current as of March 17, 2015 and are subject to change.  The balance transfers cash back offer is good for one day only on April 1, 2015.

The accounts and services at Pacific Service Credit Union are open to members only.  Pacific Service CU is a California based financial institution that offers a full complement of savings and loan products.  Membership is available to a variety of groups including anyone who lives, works, worships or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano or Sonoma counties as well as employees and retirees of PG&E Corporation, including its domestic subsidiaries.

Pacific Service Credit Union

More information about Pacific Service Credit Union and the Visa credit card offer balance transfer offer can be obtained by visiting the institutions web site at pacificservice.org or by calling the credit union directly at (888) 858-6878.

Skyward Credit Card Promotion Beats all the Majors

The Skyward Credit Union Platinum MasterCard is an absolutely low rate, credit card.  This low rate, no annual fee credit card has far better terms than those offered by the major credit card issuers.  Unfortunately for the unlucky non-members, this credit card deal is only available to members of Skyward Credit Union and their families.

The Skyward Credit Union Platinum MasterCard has a low introductory rate of 3.99%.  The introductory interest rate runs for a period of six months.  After the introductory rate period ends, the standard credit card APR will be 7.90%, 11.75%, 13.75% depending on the credit history of the applicant.

The highest rate available on the Skyward Credit Union Platinum MasterCard is below the current average rate offered by most major bank credit card issuers including those of Chase and Citibank.

To top off the low rate features that come with this card, the Skyward card earns cardholders 1% in cash back rewards and has no balance transfer fees and no annual fee.  Additional card benefits include travel accident insurance, 24 hour fraud protection, and free online account access.

Skyward Credit Union Platinum MasterCard 2

Skyward Credit Union is a Kansas based credit union that offers a variety of financial products and services to its members.  The credit union has four branch locations in Kansas.  Account holders also have access to over at over 5,000 shared branches as well as online banking and mobile banking.  Skyward is an NCUA member, accounts at the credit union are insured for up to $250,000.00 by the by the National Credit Union Share Insurance Fund and the NCUA, an independent agency of the United States government.

Skyward Credit Union membership is open to the employees and retirees of a number aircraft companies including Cessna Aircraft Company, its subsidiaries, and select affiliates including Cessna Finance Company, Yingling Aviation, and Flight Safety International.

More information about this low rate credit card can be obtained by visiting then credit union web site at cessnacu.net or calling the Skyward Credit Union customer service number at 1-877-855-4228.

The Often Overlooked Chase Liquid is One of the Best Prepaid Cards

The Chase Liquid prepaid card has a few key benefits that make it one of the best prepaid cards on the market.  Low fees are the starting point.  The Chase Liquid prepaid card has very few fees. 
Chase Liquid3
The most significant fee is the monthly service fee.  The monthly service fee for the Chase card is $4.95.  Not the lowest on the market but certainly on the low end.  The monthly service fee can be waived if the account holder has a qualifying linked Chase checking account.  Granted, this is probably not a very likely scenario for customers that want or use this card.

After the monthly service fee, there are almost no other costs or fees associated with the card.  There have been some complaints or issues regarding the ATM fee.  Chase does charge a $2.00 ATM fee but this only for transactions conducted at non-Chase ATMs.  All withdrawals at Chase ATMs are free, not many prepaid cards can make that claim.

The card has no fees for card activation, no fees for purchase transactions at retailers or online, there is no fee for the closing the account or not using the card, standard replacement cards have no fee, and there is no fee for reloading the card with direct deposit, transfers from a Chase checking or savings account, loading the account with cash or via checks deposited at Chase ATMs, Chase branches or with Chase QuickDeposit.

One of the advantages with having an account with Chase, including a prepaid card, is the size of the bank and the convenience they offer their customers based on the bank’s branch and ATM footprint.  Chase operates more than 5,500 bank branches and 18,000 ATMs in the U.S.  And like other VISA branded cards, the Chase Liquid card can be used where VISA debit cards are accepted.

More information about the Chase Liquid card can be obtained by contacting Chase at 1-877-712-0088 or by visiting the bank’s web site at chase.com.

Consumers should carefully compare all of the best prepaid cards before opening an account.  Review the Chase Liquid Agreement online for the complete list of fees and terms governing the card.  The terms of the card, including the fees and features, may change.

The Worst Credit Card January 2015

The First Premier Bank Credit Card leads the pack for the worst consumer credit cards currently on the market.  Total credit card costs are the sole reason why the First Premier Bank Credit Card tops the worst credit card list.  This credit card offers no rewards and has a regular APR that breaks 35.00 percent, one of the highest rates among the current assortment of credit cards available to consumers.

The First Premier Bank Credit Card list of high costs starts with a chart topping 36.00 percent APR for purchases made with the card.  The card has a one-time processing fee of $95.00.  Once the card is approved; there is a $75.00 annual fee for first year.  The annual fee will be charged once the credit card account is opened.  After the first year, the annual fee moves down to $45.00 annually. 

On top of these fees, the credit card has a monthly servicing fee of $6.25 per month after the first year.  This fee will be billed until the credit account is closed and the balance is $20.00 or less.
Potential other fees associated with this account include a late payment fee of up to $38.00, a return item charge of up to $35.00, and an additional card fee of $29.00 if the primary account holder authorizes the credit card issuer to issue an additional card on the account.  The additional card fee is imposed annually for each additional card.

The one-time up front processing fee of $95.00 has to be paid in full before the credit card account is opened.  If the processing fee is not paid in full within 85 days, the credit card application will be withdrawn.

There is some encouraging information about the high fees, thanks to the Credit Card Act of 2009.  Due to the limitations on credit card fees imposed by the Card Act, the amount of required fees assessed on the First Premier Bank Credit Card account during the first year after account opening will not be more than 25% of the initial approved credit limit.

Now, this credit card is clearly marketed towards customers with bad credit.  But even bad credit consumer have other options including secured credit cards which have much lower fees and credit card rates and while many credit card shoppers are concerned about the security deposit amounts on secured credit cards, the fees on the First Premier Bank Credit Card are almost as much as a security deposit which also happens to be the card holders not the card issuers.

The information regarding the First Premier Bank credit card is believed to be reliable but may have changed since this publication date.  The information is not guaranteed.  Additional information regarding the credit card terms and fees can be found at the First Premier Bank credit card offer.

Target Gift Card Black Friday Sale is the Best Holiday Card

Target has a limited promotion on new gift cards available on Black Friday 2014.  This is not a credit card promotion; the discount is on Target gift cards.  While the promotion is not for a credit card, it is worth reviewing as it may be one of the best discounts for a store card this holiday season.

The Black Friday discount runs from 6:00am until 12:00pm Noon local time.  The promotion is for 10 percent off Target gift cards at stores and online at Target.com.  The offer is valid for a maximum amount of $300.00 in gift cards.

The gift cards can be redeemed starting the next day, November 29, 2014.  Quantities may be limited, per the advertisement, with no rain checks.  Target gift cards don’t expire and there are no fees for obtaining or using the cards.  The discounted gift cards may be purchased in any amount up to the limit of $300.00 per household.

Target already sells a number of items at reduced priced during the holiday season; the 10 percent card promotion is a nice added bonus.

The gift card can be used for merchandise on sale that same weekend.  For example, consumers can buy $250.00 in gift cards on Friday which will cost $225.00 after the discount and use the gift card on Saturday to buy the iPad Mini which is advertised for $249.00 at Target and then receive an $80.00 gift card as part of the promotion on the iPad Mini.  That’s an iPad Mini for $225.00 with an $80.00 gift card in your pocket.

Terms and conditions apply to gift cards.

New Travel Rewards from Expedia and Citi

Citibank and Expedia have introduced new cobranded, travel rewards credit cards.  Citi is the card issuer with a rewards program tied predominantly to Expedia travel spending but also earns rewards points for non-travel related spending.  For frequent travelers that use Expedia services for their bookings, these cards have generous rewards.

The new program unveiled includes two chip-enabled credit cards for card shoppers to choose from.  One card is the Expedia+ Card and the other is Expedia+ Voyager Card.

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The new cards employ the latest embedded microchip technology that encrypts the card holder’s information into a unique code that increases transaction and account data security.

With the Expedia+ Voyager Card, card holders can earn four points for every $1.00 spent on eligible Expedia purchases, including flights, hotels, activities, and vacation packages.  Two points can be earned for every $1.00 spent on dining at restaurants and entertainment and one point for every $1.00 spent on other purchases.

The Expedia+ Card has slightly reduced points programs.  Card holders will earn three points for every $1.00 spent on eligible Expedia purchases, including flights, hotels, activities, and vacation packages and one point for every $1.00 spent on other purchases.

New Expedia+ Voyager card holders can now earn 25,000 Expedia+ rewards bonus points after spending $2,000.00 within 3 months of account opening.  New Expedia+ card holders will earn 15,000 Expedia+ rewards bonus points after spending $1,000.00 within 3 months of account opening.

There is no annual fee with the Expedia+ Card, the annual fee for the Expedia+ Voyager Card is $95.00.

The standard variable APR for purchases for the Expedia+ Voyager Card is 13.99%, 16.99% or 21.99% based on creditworthiness and also applies to balance transfers.  The standard variable APR for the Expedia+ Card is 14.99%, 17.99% or 22.99% based on creditworthiness and also applies to balance transfers.  For both cards, the standard variable APR for cash advances is 25.24%.

Additional terms, conditions, and services apply to both cards.  More information may be found at the Expedia web site or the Citi credit card web site.

Chase Slate Card with No Transfer Fee and Zero Percent

Chase has new, limited time promotion for the Slate from Chase card that has a zero percent introductory credit card rate for period up to 12 months.  The zero percent introductory credit card rate applies to credit card purchases and credit card balance transfers.  New Slate credit card holders that make their balance transfer within the first 30 days will no balance transfer fee.

Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee.  Normal balance transfer fees in the credit card industry are either $5.00 or 3 percent of the balance transfer amount, the fee is the larger of the two numbers. 

Consumers that transfer balances with high interest rates to the Slate® from Chase can potentially save several hundred dollars in interest charges.  As an example, a card holder that is paying off a $4,500.00 credit card balance in 12 months with a credit card interest rate of 15.5 percent would pay $387.00 in interest charges in just 12 months.  That’s a $387.00 savings by switching credit cards to the Slate card with this credit card promotion.

In addition to the savings that can be obtained by switching credit cards with a balance transfer, the Slate from Chase also offers the zero percent rate on new credit card purchases. That means you can make purchases for the next year, including credit card purchases made right through the holiday season, without any interest costs.

There is also no annual fee associated with the Slate® from Chase.

The Slate® from Chase credit card comes with other services and features including the Chase Blueprint credit card management tool.  Chase Blueprint is financial tool that helps Chase card holders organize their credit card purchase, credit card balances and credit card payments. The tool can be used to track your payments and save on total interest charges.

The Chase Slate credit card promotion offers tiered introductory interest rate periods.  Credit card applicants that qualify for the top tier will receive a 0% APR on balance transfers and purchases for 12 months, while those on lower credit tier may be approved for the credit card promotion, but only receive the 0% introductory rate for a 6 month period.

Slate® from Chase – Limited Time: No Balance Transfer Fee

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.  Bestcreditcardrates.com offers up to date information on credit card offers such as the Chase Slate 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 available on the online credit card application found with the link to the Chase credit card promotion.

American Express Blue Cash Everyday Card Promotion

The American Express Blue Cash Everyday Card is fast becoming one of American Express’s most popular credit cards.

The Blue Cash Everyday card has a lofty cash back rewards program that is straightforward making credit card rewards easy to earn and cash in.  The generous American Express credit card rewards are made available in some of the most popular categories of purchases with no spending minimums.

 This American Express credit card also has no annual fee.  There are also no fees for additional credit cards.

Blue Cash Everyday card holders can earn 3% cash rebate on groceries, 2% on gas and department store purchases and 1% on all other everyday purchases.  There are no credit card reward caps, spending tiers or enrollments needed.  No matter how much you spend in any category, you can earn unlimited cash back rewards with the card.

The cash back rewards earned by using the American Express Blue Cash Everyday Card are awarded in the form of American Express Reward Dollars.  Card holders can redeem Reward Dollars for cash back, or choose from gift cards or merchandise.

American Express is offering a zero percent introductory credit card rate with the Blue Cash Everyday card.  New card holders will have a 0% intro rate for the first 12 months on net credit card purchases.  After the intro period, the credit card APR will be a variable rate, currently 17.24%, 20.24% or 22.24%.

The Am Ex card also provides a number of travel benefits as well as purchase protection, return protection, free extended warranty and many other premium services that come with American Express credit cards.

For everyday credit card users the benefits of the Blue Cash Everyday card are clear.  High rewards for credit card purchases at supermarkets, gas stations, and department stores with no annual fee, a zero percent cost for the first year and all the standard perks and benefits that come with an American Express card.

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.  Credit card rates and card offers from advertisers and credit card companies shown on this website such as the American Express Blue Cash Everyday Card may change without notice; please verify the current credit card information available on the online credit card application.

Citi Dividend World MasterCard Credit Card Promotion

With the Citi Dividend World MasterCard promotion, new account holders can earn $200.00 in cash back after making $500.00 in net new purchases within the first 3 months of account opening.  Citibank is running this credit card promotion on the Citi Dividend World MasterCard for a limited time. 

Without the credit card promotion, the Citi® Dividend World MasterCard® is a one of the top picks for a cash back credit card, the $200.00 cash back offer only enhances the credit card offer.

The cash back rewards don’t end with the $200.00 promotion.  Card holders will earn 1% cash back on all other eligible net purchases made with Citi Dividend World MasterCard, up to a $300.00 per year total.

Account holders can also earn up to 5% cash back in select categories of purchases.  Card holders can enroll in different shopping categories to earn an additional 5% cash back each quarter.  Each quarter, card holders can continue to earn additional cash back in the select categories that change each quarter.  These categories range from department stores to home improvement items and more.
 
The Citi Dividend World MasterCard comes with other non monetary benefits as well, including access to online services to manage the credit card account, receive electronic statements, and pay monthly credit card bills quickly online.

Additional credit card benefits with the Citibank credit card include automatic travel accident insurance, auto rental insurance, common carrier lost luggage coverage, emergency assistance services, price protection coverage, extended warranty and more.  All additional benefits and coverage plans come with certain conditions, restrictions and exclusions.

The Citi Dividend World MasterCard comes with no annual fee.

This credit card from Citibank has a variable credit card rate.  The best credit card rate currently available on the Citi Dividend World MasterCard is 12.99 percent but it may run as high as 20.99 percent depending on the creditworthiness of the card applicant.

Chase Sapphire Card Promotion

Chase has been engaging in an aggressive credit card promotion to attract new card holders to the Chase Sapphire Card.  The Chase Sapphire® Card is a rewards credit card that offers a number of competitive advantages over the competition right now.

Chase Sapphire® Card

The Chase Sapphire Card is rewards credit card that has no annual fee, has a current promotion to earn $250.00 cash back and offers a low credit card APR.   The new credit card promotion from Chase makes this card worth considering for consumers that want a new credit card or want to capitalize on the current round of promotions taking place in the credit card industry.

Chase Sapphire® Card

New Chase Sapphire credit card holders will receive 25,000 bonus reward points after they spend $3,000 in 3 months with the card.  The 25,000 bonus points have the equivalent value of a $250.00 account credit.  

The Chase Sapphire card rewards consumers with points earned through net purchase transactions.  The point system adds flexibility to the rewards program by offering cardholders the option to redeem points on just about anything once the points are earned.

The credit card points earned, whether with the bonus rewards or through normal purchase transactions, can be redeemed at increments that start at 2,000 points good for a $20.00 statement credit.  The points can be redeemed by applying them toward any purchase made on the card within 60 days of the redemption date.

The Chase Sapphire credit card allows account holders to earn 2 points per dollar spent on dining and 1 point per dollar spent on all other credit card purchases.  There is no limit to the amount of reward points that can be earned and points earned never expire.

The current credit card rate is a variable rate at 15.24%.  The credit card APR will vary with the market based on the Prime Rate.  This credit card rate applies to purchases and credit card balance transfers.

The Chase Sapphire card does not require any annual fees or membership fees.   The current card promotion includes a generous signup bonus.  The credit card rewards offer flexible redemption options and the APR is among the lowest in the category of rewards credit cards.

Chase Sapphire® Card

Mango Prepaid Card Promotion

The Mango prepaid card is unquestionably one of the best prepaid cards currently being promoted by banks and credit card companies.  While the field of prepaid cards is starting to get crowded, high fees and high costs are the number one detriment with many of today’s prepaid cards.  The Mango card offers very low fees, numerous service options and additional benefits that make this prepaid card one worth considering within this category of credit cards.

The MangoTM MasterCard® Prepaid Card

The Mango™ MasterCard® prepaid card is a prepaid credit card issued by Inter National Bank.  The prepaid Mango Card is good alternative to using cash and works similar to a credit card for point of purchases transactions, reservations, phone orders or purchases made online.  The Mango Card can be especially helpful for consumers with bad credit or no credit.

The Mango card is a reloadable prepaid card.  Card holders can use the prepaid MasterCard for special situations or regular use and the card can be a great tool to control debt and spending.  With this prepaid card, the account holder cannot spend more money than the amount that has already been loaded onto the card.

This is one of the top prepaid cards due to the low fees that come with the card and special features.  The Mango prepaid card has no sign up fee, no card shipping and handling fees and no activation fee.  The card does have a $5.00 monthly fee that is waived if card holder loads the card with at least $500.00 during the previous month.

Unlike some prepaid cards, the Inter National Bank Mango prepaid card has no charges or fees for customer support via phone, online chat or email.

The Mango card has a whole host of add-ons and bells and whistles not found with most prepaid cards.  The Mango card offers MasterCard Zero Liability protection for fraudulent charges.  The prepaid card can be replaced if it’s lost or stolen by calling the toll-free customer service number.  The Mango card can be used at a variety of locations worldwide that accept MasterCards, including ATMs, retail stores and online shopping. Cardholders can track their spending and manage their account online 24/7.

The Mango card is a reloadable card, consumers can load money onto it in a number of ways, including direct. Cardholders that use direct deposit also have the option of opening an FDIC insured savings account with Inter National Bank that pays significantly higher than the national average savings account rate.

Consumers can apply for the Mango™ MasterCard® prepaid card from Inter National Bank online right here safely and securely.

Mango prepaid card benefits review:

  • Free Direct Deposit + Get $20 Signup Bonus
  • Pay your Bills in minutes from your online account
  • No Fee to Check Your Balance With a Text Message – Send and Receive Money Securely With any Mobile Phone
  • Free Mango iPhone App (Download from iTunes Store)
  • $0 Activation Fee
  • $5 Monthly Fee – Waived when You Load at Least $500 Per Month
  • No Credit Check/No Bank Account Required
    Apply Now!

The Mango™ MasterCard® Prepaid Card

Visa Black Card by Barclays Credit Card Promotion

 

The Visa® Black Card™ is a luxury credit card that is issued by Barclay’s Bank of Delaware.  The Visa Black Card is one of the few credit cards available in the high end credit card market category and due to its exclusivity, has created a lot of attention.

The Black Card is falls into the category of travel credit cards that has sold cash back rewards component.   The Black Card is promoted with a number of benefits including the Travel Lounge Priority Pass.  The Travel Lounge Priority Pass which gives card holders complimentary access to more than 500 luxury airport lounges across the world.

The credit card also has a rewards program that allows cash back or credit towards air travel purchases.  The Black Card rewards programs lets card holders earn one rewards point for every one dollar in net purchases that are made.  The credit card rewards points can then be redeemed for either one percent cash back or air travel purchases that have no blackout dates or seat restrictions.

Other exclusive benefits to the Black Card include 24/7 concierge service.  The concierge service that comes with the credit card can be used for assistance with business travel and leisure needs, reservations for restaurants, car rentals, airlines and hotels as well as access and information on health clubs, sporting events, concerts, music festivals.  The concierge service covers additional services from gift assistance to shopping help.

The credit card offers an introductory zero percent APR on credit card balance transfers for the first 6 months.  The card comes with an annual fee that is rather steep at $495.00.


Additional travel benefits available with this card include $250,000.00 in worldwide travel accident insurance, lost luggage reimbursement, baggage delay insurance, trip cancellation insurance, trip delay insurance, auto rental collision damage waiver, roadside dispatch, legal, medical and travel services.

The Visa card is heavily promoted for its exclusive services and limited membership.  The Visa Black card promotional material puts it rather clearly with this phrase,”Membership is limited to
ensure the highest caliber of personal service is provided to every Cardmember.”

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.  Credit card rates and card offers from advertisers and credit card companies shown on this website such as the Visa Black Card may change without notice; please verify the current credit card information available on the online credit card application.

Apply today at BlackCard.com!

Rebuild Credit with The Orchard Bank Credit Cards

Building or repairing credit is not always an easy or quick process. Obtaining a new credit card can help rebuild a better credit history and will afford the account holder access to credit for standard purchase transactions as well as online transactions and reservations. One of the biggest bank credit cards in the market segment that covers consumers rebuilding credit is HSBC Bank with their Orchard Bank credit card products.

Orchard Bank Classic MasterCards - Waterfall

The Orchard Bank MasterCard is a good credit card option for consumers looking to build their credit. The Orchard Bank credit card has a quick and easy online application that in many cases allows the applicant to get prequalified online in just 30 seconds

The market for consumers that are looking for a great way to start building their credit has grown measurably in the past few years. There is a growing demand for consumers that want to build their credit over time with the use of a credit card as well as those consumers that need a credit card even though they have poor credit.

Highlights for this credit card promotion include updated account credit card payment information that is reported to the 3 major credit bureaus monthly, account information access for the card holder that is available online 24/7, credit card customer service representatives that can assist with most questions and concerns and the availability of email and text messages to remind credit card account holders of their upcoming payment due date.

Orchard Bank Classic MasterCards

A benefit of Orchard Bank credit cards is they offer both secured and unsecured credit cards to cover a wide variety of consumer credit backgrounds that are searching for a new credit card.

Orchard Bank offers a credit card which is easy to qualify and made specifically for people that are trying to improve their financial position and increase their credit score.

Consumers that have poor credit and have tried to qualify for a credit card know that it can be a difficult process since credit card companies have placed a great deal of restraint on their approval standards. Poor credit can often result in a number of credit denials from credit card companies.

Orchard Bank Classic MasterCards - Dolphin

To review credit cards and credit card rates by category, please see low interest rate credit cards, cash back credit cards, rewards credit cards, balance transfer credit cards, prepaid credit cards, credit cards for bad credit and secured credit cards.

Discover Escape Credit Card Review

Credit Card Offer No Longer Available

The Escape card by Discover is a low rate credit card that falls into the category of travel credit cards. The Discover Escape credit card is marketed by Discover as more than a standard travel rewards credit cards, the Escape credit card combines travel rewards with credit card cash rewards, and a zero percent introductory credit card rate on credit card balance transfers and credit card purchases.

The introductory credit card rate for purchases is at zero percent for a period of six months. The introductory credit card rate for balance transfers is also at zero percent for a period of six months. At the end of the introductory credit card period, the credit card rate for both balance transfers and purchases is a variable rate that currently ranges from 10.99 percent to 15.99 percent. The credit card rates for purchase APRs and balance transfer APRs are established by adding between 7.74% to 12.74% to the Prime Rate, based on the creditworthiness of the credit card applicant.

Reward miles with the Discover Escape credit card are earned at the rate of 2 miles for each $1.00 spent on all net purchase transactions. New account holders can earn a bonus of 1,000 Bonus Miles each calendar month that they make a purchase with the card for the first 25 months from the date the account is opened, with a cap of 25,000 Bonus Miles. There is no limit to the number of standard reward Miles that can be earned with the card.

There is a $60.00 annual fee with the card.

Escape by Discover® Card

Here are the quick bullet points on the benefits of the Discover Escape credit card:

    • 25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
    • 2 Miles per $1 on all purchases
    • No limit on the Miles you earn and Miles don’t expire*
    • Fly on any airline, book any hotel or car, with no blackout dates
    • Use Miles for travel, merchandise, gift cards or cash
    • 0% intro APR on purchases and balance transfers for 6 months then the regular APR
    • Industry Leading Customer Service
    • Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance

Apply Now!

Escape by Discover® Card

Credit Card Offer No Longer Available

JP Morgan Select Visa Signature Card Review and Rates

The J.P. Morgan Select Visa Signature Card is a luxury rewards credit card issued by Chase Bank.  The J.P. Morgan Select Visa Signature Card is a luxury credit card that is offered by Chase among their wide array of credit cards that have reward earning programs with competitive interest rates.

J.P. Morgan Select Visa Signature credit card holders can earn unlimited rewards points and the rewards points never expire. 

The credit card rewards program allows account holders to earn one point for every $1.00 in credit card purchases for most all items and double points for every $1.00 in net purchases on eligible air, hotel and auto rental purchases.  The eligibility for double rewards points is determined by the Visa classification in which the merchant is classified by Visa as an airline, car rental agency, or lodging.

The reward points that are earned can be transferred on a one-to-one relationship of points to frequent flyer programs with United Airlines,® Continental Airlines® and British Airways.

The credit card also has an annual bonus rewards program.  During the bonus program there is s a onetime bonus for account holders that reach $100,000.00 or more in net purchases, these account holders will receive 25,000 bonus points when they make one additional purchase within that year.

Restrictions and limitations may apply to the rewards program.

Card services offered with the Select Visa Signature credit card include Exclusive Visa Signature® Concierge privileges for around-the-clock assistance with dinner reservations, theater tickets, travel arrangements and more.

The credit card rewards and benefits also includes 20% off Priority Pass™ membership and member privileges with bank card partners that includes Relais & Châteaux, Fairmont Hotels & Resorts, Hertz and the Hideaways Aficionado® Club. Priority Pass is the world’s largest independent airport lounge access program.

The credit card rate is a variable rate that is currently at 9.24 percent.   The credit card rate for purchases and credit card balance transfers is established by adding 5.99 percent to the Prime Rate.

There is a $75.00 annual credit card fee with this Chase credit card that is waived for the first year.

The information regarding the J.P. Morgan Select Visa Signature Card review is believed to be accurate at the time of this publication but the accuracy is not guaranteed.  See the online credit card application for current information about credit card rates, fees, other costs and benefits associated with the use of this credit card.  All credit card and bank products are subject to bank and credit approval.  Restrictions and limitations apply.

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.

Best Credit Card Rates Review SharePlus Bank Credit Card

The SharePlus Bank credit card reviewed is the Platinum Plus® MasterCard® credit with WorldPoints® rewards.  This bank credit card is a rewards credit card.  This credit card uses the MasterCard brand for transactions and e-commerce. 

The MasterCard credit card brand is a widely accepted brand that offers direct purchasing power, flexibility with payment options, and transaction security.   The rewards options with the credit card allows for redemption options that include unlimited credit card cash rewards, airline travel with no blackout dates, brand name merchandise, gift cards and more.

SharePlus Bank credit card holders can earn 1 point for every $1.00 in net retail purchases made using the credit card.  The reward points earned with the card can be transferred between eligible WorldPoints cards in order to redeem the credit card rewards faster.

Bank credit card holders can earn unlimited reward points.  The credit card reward points earned are valid for a period of 5 years.

The credit card comes with an introductory credit card rate for purchase transactions and credit card balance transfers.  The introductory credit card rate for purchases is 0.0% for the first 7 or 10 billing cycles from account opening date.  The introductory rate for credit card balance transfers is also at 0.0% for the first 7 or 10 billing cycles following the opening of the credit card account, with the length of time for the introductory rate based on the credit card applicant’s creditworthiness.

After the introductory credit card rate period expires, the credit card rate for both purchase transactions and balance transfers is a variable rate based on a margin plus the Prime Rate with the rate currently ranging from 11.24% to 21.24%.  The final credit card rate is determined after the application is approved and is based on the applicants credit worthiness.

There is a no annual fee credit card.

The credit card due date or grace period is at least 25 days after the close of each billing cycle.  There will be no credit card interest charges purchase transactions if the entire credit card balance is paid in full by the due date each month.

The credit card account can be managed and maintained online.  With online credit card account access, card holders can view current account activity, pay the credit card bill, review credit card statements and more.

The credit card also offers fraud protection and zero liability for unauthorized credit card transactions, with limitations and conditions.  As well as other Platinum Plus credit card benefits, that includes emergency credit card replacement, travel and emergency assistance services, rental car insurance and more.

The information regarding the SharePlus Bank credit card review is updated regularly, but information may have changed since the last update.  All credit card and bank products are subject to bank and credit approval.  See the online credit card application for current information about credit card rates, fees, other costs and benefits associated with the use of this credit card.

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.

Bestcreditcardrates.com  lists credit card offers from the leading credit card issuers and banks, including Discover cards, Chase credit cards, American Express credit cards, Citi credit cards, Capital One credit cards, Visa credit cards, MasterCard credit cards and more.   Credit card offers can be found for low rate credit cards, balance transfer credit cards, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards, cash back credit cards and more.

Best Credit Card Rates Review FNBO Visa Credit Card

The FNBO ExtraEarnings Visa credit card is a cash back credit card offered by First National Bank of Omaha.  The FNBO credit card is also a low rate credit card, the current credit card rate is at 11.99 percent for purchase transactions.  The current credit card rate of 11.99 percent also applies to credit card balance transfer transactions.

The credit card rate is a variable rate; the APR will vary with the market based on the Prime Rate.  The credit card APR for purchases and credit card balance transfers, is established by adding a margin of 8.74 percent to the Prime Rate.

The credit card cash back rewards program requires account holders to FNBO Direct online savings account.  Credit card cash back rewards are earned by credit card holders at two different rates.  For the first 12 billing cycles after the account is opened, account holders will earn 2 percent cash back for every $1.00 in qualifying net purchase transactions made.  After the first 12 monthly billing cycles, credit card account holder will earn 1 point for every $1.00 in net purchase transactions. 

The credit card cash back rewards earned can be redeemed by requesting a $25.00 deposit into a FNBO Direct Online Savings Account each time the account holder earns 2,500 points.

There is no limit to the total number of cash back points that the account holder can earn.  The points earned will have an expiration period; the points earned will expire on or after the third anniversary of when they were awarded.

The FNBO ExtraEarnings credit card due date is at least 21 days after the close of each monthly billing cycle. There are no credit card interest charges on purchases if the entire credit card balance is paid by the due date each month.  For credit card balance transfers and credit card cash advances, credit card interest stars to accrue on the transaction date.

The FNBO ExtraEarnings Visa credit card has no annual fee and no cost to obtain the cash back rewards.  In order to receive the credit card cash back rewards or redeem the card reward points, the account holder must have an FNBO Direct online savings account and the credit card account must be in good standing.

First National Bank Omaha is a subsidiary of First National of Nebraska which is a multi-state holding company based in Omaha, NE.

The credit card review of the FNBO ExtraEarnings 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.  All credit card and bank products are subject to bank and credit approval.

For information about the current credit card rates, fees, other costs, and benefits associated with the FNBO credit card, 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.

Survey of Best Credit Card Rates Includes Amalgamated Bank of Chicago

The Amalgamated Bank of Chicago credit cards are marketed as being consistently recognized by national publications as one of the best credit cards available.  In fact, the Federal Reserve Bank report on credit card plans that comes out twice a year, positioned the Amalgamated Bank of Chicago credit card as one of the top 30 best credit card rates.

Amalgamated Bank of Chicago offers various credit card options.  The current credit card rate for the Amalgamated Bank of Chicago Gold Plus credit card is 7.25 percent as a variable rate.  The variable credit card APR will fluctuate with the market based on the Prime Rate.  The best credit card rate available for this card has a margin of 4.0 percent that is added to the Prime Rate.  The current monthly periodic credit rate is now .604 percent with a current corresponding credit card APR of 7.25 percent.

The Amalgamated Bank of Chicago Gold Plus credit card has an annual fee of $45.00.  The bank also offers other credit cards without annual fees.  The bank’s regular Gold credit card has no annual fee and has a current credit card interest rate of just 9.25 percent.  The Gold credit card has a margin of 6.0 percent that is added to the Prime Rate to calculate the monthly periodic rate.

The Amalgamated Bank Card has a grace period or due date that runs at least 25 days after the monthly credit card billing cycle ends.  There are no credit card interest charges for new credit card purchases if the entire credit card balance is paid off before the due date each month.

The Amalgamated Bank card also offer an optional credit card rewards program called the AmalgaMiles program.  There is a small fee of $29.00 to join the credit card rewards program. 

The rewards program is flexible rewards program that lets earn rewards towards airline travel on any airline at any time with no blackout dates.  The credit card rewards that are earned as miles can be used towards travel discounts or a ticket.  In addition to using the credit card rewards for reduced air fares or airline travel, the rewards miles can be used for cruises and travel related items such as shipboard credits, hotel specials, memberships in clubs, and more.

The bank credit card rewards program allows for a number of options to earn reward points.  Credit card holders can earn reward points by simply paying the monthly credit card bill each month.  Standard rewards points are earned at the rate of one AmalgaMile being rewarded for every one dollar charged in net purchases.

Amalgamated Bank of Chicago offers different credit card types that include secured and unsecured credit cards for consumers with various credit histories.  The Amalgamated Bank credit cards have low interest rates, optional rewards program, and more.

Amalgamated Bank of Chicago was founded in 1922 and is based in Chicago, Illinois.   Amalgamated Bank of Chicago provides a wide range of personal and business financial services and products, including savings, checking and lending services.

Bestcreditcardrates.com provides the information on the Amalgamated Bank credit cards as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate. 

The credit card review of the Amalgamated Bank 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.  All credit card products and services are subject to bank and credit approval.

For more information about the current credit card rates, fees, other costs, and benefits associated with this credit card, see the online credit card application for details about terms and conditions.

Bestcreditcardrates.com  lists credit card offers from the leading credit card issuers and banks, including Discover cards, Chase credit cards, American Express credit cards, Citi credit cards, Capital One credit cards, Visa credit cards, MasterCard credit cards and more.   Credit card offers can be found for low rate credit cards, balance transfer credit cards, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards, cash back credit cards and more.

A Bevy of Low Rate Credit Cards at M and I Bank

Trying to determine which M&I Bank credit card has the best credit card rate to match your individual needs can be challenging since the bank offers three different credit cards that currently have credit rates below 9.50 percent.

The three credit cards offered by M&I Bank are the standard M&I Bank credit card, the M&I Bank Rewards credit card and M&I Bank Rewards Premier credit card.  Each bank credit card offers targeted benefits and perks to card holders. 

The standard M&I Bank credit card is low rate credit card that also offers a low introductory rate on purchases and credit card balance transfers.  The introductory low rate applies to transactions for the six monthly billing cycles.  The low introductory credit card rate may be as low as 4.99 percent or run as high as 9.99 percent depending on the credit worthiness of the credit card applicant.  There is no annual fee with this credit card.

The M&I Bank Rewards credit card allows account holders to earn credit card reward points that can be redeemed for travel, vacations, gift cards or merchandise.  There is no annual fee with this bank credit card.

The M&I Bank Rewards Premier credit card is a fee based rewards credit card that gives the card holders the ability to earn credit card rewards points faster with an accelerated earn rate.  The credit card annual fee doesn’t kick until the second year at which time the amount is $49.00.  There is no limit on the number of credit card reward points that can be earned each year for both of the bank rewards credit cards.

The credit card APR for all three cards will fluctuate with the market based on the Prime Rate.  The best credit card rate for the standard M&I Bank credit card is calculated by adding 4.99 percent to the Prime Rate.  The M&I Bank Rewards credit card top rate is established by adding 5.99 percent to the Prime Rate.  The best credit card rate available for the M&I Bank Rewards Premier credit card is also based on the Prime Rate plus 5.99 percent.

The credit card due date or grace period for all three cards is at least 21 days after the close of each monthly billing cycle.  There are no credit card interest charges on credit card purchases if the entire credit card balance is paid in full by the due date each month.

All of the bank credit cards come with additional features and services.  Some additional features are dependent on the type of credit card chosen, however all of the credit cards come with emergency card replacement, lost or stolen card reporting and auto rental insurance coverage.

The credit card review of the M&I Bank 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.  All bank credit card products and services are subject to bank and credit approval.

For information about the current credit card rates, fees, other costs, and benefits associated with this credit card, 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.

Best Credit Card Rates Review Harris Bank Platinum Plus

The Harris Bank Platinum Plus credit card with WorldPoints rewards is a rewards credit card that comes with a low introductory credit card rate.  The Harris Bank Platinum Plus credit card is a bank credit card issued by Harris Bank using the MasterCard credit card services.

The reward credit card allows card holders to earn WorldPoints rewards for everyday purchases that include gas, clothing and groceries.  Credit card holders can earn 1 point for every one dollar in net retail purchase transactions made with the card.  

The standard credit card on this bank credit card is a variable rate tied to the Prime Rate.  Credit card APR’s may vary among applicants; the current credit card rate is between 12.99 percent and 20.99 percent, depending on the credit profile of the card applicant.

The credit card is currently promoting a zero percent introductory credit card rate for new credit card purchases and credit card balance transfers.  The 0 percent introductory credit card rate period lasts for between 7 months and 10 months, depending on the credit profile or credit worthiness of the credit card applicant.

There is no annual fee with the credit card.

The Harris Bank Platinum Plus credit card due date or grace period is at least 25 days after the close of each monthly billing cycle.  There are no credit card interest charges on purchases for account holders that pay their entire credit card balance by the due date each month.

There is no preset spending limit this bank credit card.  The lack of a preset spending limit however, does not mean all transactions made with the credit card will be approved.  All credit card transactions are evaluated on an individual basis, including those transactions that exceed the card holder revolving credit card line.

The credit card also has available online banking access.  With credit card online access, bank credit card holders can make credit card payments online, view and download credit card statements, complete credit card balance transfers, request a credit card line increase and more.  Credit card holders also have access to customer service support 24/7.

Additional Platinum Plus MasterCard credit card benefits available include; zero liability protection for fraudulent charges, purchase assurance that provides coverage on purchases that are damaged or stolen within 90 days of purchase, common carrier travel accident insurance, and automatic auto rental insurance.

Harris Bank offers a wide range of banking products along with consumer credit cards.  Harris Bank products and services include personal banking, business banking and wealth management.

The credit card review of the Harris Bank Platinum Plus 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.  For information about the current credit card rates, fees, other costs, and benefits associated with this credit card, 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.

Bestcreditcardrates.com  lists credit card offers from the leading credit card issuers and banks, including Discover cards, Chase credit cards, American Express credit cards, Citi credit cards, Capital One credit cards, Visa credit cards, MasterCard credit cards and more.   Credit card offers can be found for low rate credit cards, balance transfer credit cards, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards, cash back credit cards and more.

Under Nine Percent Credit Card Rate with United Bank Visa Credit Card

The current credit card rate for the United Bank Visa Platinum credit card is 8.25 percent.  The credit card rate is a variable rate based on the Prime Rate.  The credit card rate for this bank card is established by using the current prime Rate and adding a margin of 5.0 percentage points.  With the current Prime Rate of 3.25 percent, the annual percentage rate for purchase transactions is 8.25 percent.  This credit card interest rate also applies to credit card balance transfers as well as credit card cash advances.

The bank is also offer an introductory credit card rate for new credit card holders.  The introductory credit card arte is 5.99 percent and lasts for a period of six billing cycles.  The introductory credit cad rate applies to purchase transactions, credit card balance transfers and credit card cash advances. 

The United Bank credit card has no annual fee.

The United Bank Visa credit card comes with online banking support that includes options for the credit card account holder to view current card transactions, review credit card statements for the past 3 months, pay the monthly credit card bill online, view account balances and even receive email alerts regarding card activity and actions.

There is also a credit card reward program that comes with the Visa Platinum credit card.  Credit card accounts will receive a 1 percent rebate on all net credit card purchase transactions made with the U.S.  The 1 percent rebate earned can be deposited to a Visa Platinum Rewards account or credited to the account holders Platinum Visa credit card.

Additional features found with the United Bank Visa credit card include: Personal Identity Theft Coverage which helps protect Visa credit cardholders against certain losses from identity theft, Platinum Visa credit card account holders are also automatically enrolled in an accidental death and dismemberment coverage of up to $250,000.00 as well as extended purchase protection that protects most credit card purchase transactions for the first 90 days from the date of purchase in the event of loss, theft, damage, or fire.

The credit card review of the United Bank Visa Platinum credit card presented by Bestcreditcardrates.com is believed to be accurate as of this publication date; however the credit card rates and terms are subject to change by the issuer.  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.

To find more information on specific credit card offers for low interest rate credit cards, credit card reward programs, credit cards for balance transfers, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards or cash back credit credit cards see the following pages: balance transfer credit cards, credit cards for bad credit, prepaid credit cards, cash back credit cards, secured credit cards, student credit cards, business credit cards or  gas credit cards.

Best Credit Card Review with Asiana American Express Card

The Asiana American Express® credit card falls into the category of travel rewards credit card.  This credit card is offered by Bank of America credit cards.  The credit card travel rewards that can be earned with the Asiana Card credit card use may be redeemed for Asiana Airlines tickets for travel and airplane seat class upgrades on both Asiana Airlines, and partner airlines.

Credit card account holders can earn two Asiana Miles for every $1.00 spent on net purchase transactions.  Card holders can also earn three Asiana Miles for every $1.00 in net purchases spent at select grocery stores.  The added travel rewards miles earned with the credit card at select grocery stores is a joint program between Asiana Airlines and select grocery stores.

In addition to the standard credit card rewards, the Asiana American Express credit card awards 5,000 bonus miles to new credit card accounts after the first purchase is made with the card.

Card holders of the Asiana American Express credit card will also be awarded a $100.00 annual rebate towards a purchase of Asiana Airlines ticket.  The annual rebate will not be applied at time of ticket purchase but is credited to the credit card account.

Card holders will also receive two Asiana Lounge Invitations every year in the month of the credit card holder’s anniversary date.  Theses lounge invitations are valid at Asiana Airlines lounges operated in the U.S.  After each anniversary date, card holders receive one 10,000 Bonus miles certificate.  The bonus miles certificate is good toward a choice of international or Korea domestic air ticket, seat class upgrade or excess bag allowance.

Credit card holders can earn up to 200,000 travel reward miles each calendar year.
There is an annual fee of $99.00 with the credit card.

The credit card rate on the Asiana American Express credit card is a variable rate based on the Prime Rate plus a margin.  The current credit card rate is 14.24 percent.  This credit card rate applies to purchases made with the card as well as credit card balance transfers.  The current rate for credit card cash advances is at 24.24 percent.

As a Bank of America sponsored credit card, additional feature that can be found with the card include:  free total security protection® package against fraud and unauthorized use of your card, free online access with the bank’s online banking service and the option to use the bank credit card for optional overdraft protection on one of their checking accounts.

Reasonable efforts are made to maintain accurate information reading all credit card offers.  However all credit card information is presented without warranty.  The terms and conditions of the Asiana Card may change without notice and other restrictions may apply.  Review the online credit card application for details about current credit card terms and conditions.

Bestcreditcardrates.com presents the Asiana American Express credit card review along with additional tools and resources to help consumers research the best credit card offers with the best credit card rates.

Bestcreditcardrates.com lists credit card offers from the leading credit card issuers and banks.  Credit card offers can be found for low rate credit cards, balance transfer credit cards, student credit cards, business credit cards, credit cards for bad credit, prepaid credit cards, secured credit cards, gas credit cards, cash back crdit cards and more.

Zions Bank Low Rate Credit Card

The Zions Bank low rate credit card is a bank Visa Platinum credit card with a variable rate that is currently at 8.25 percent and ranks as one of the best credit card rates currently available.

The low credit card APR is variable a rate based on the Prime Rate, meaning that the rate can change as the Prime Rate fluctuates.  The Zions Bank credit card is a Visa credit card so Zions Bank cardholders can make credit card purchases everywhere that Visa is accepted.

There is no annual fee for this credit card.

The bank credit card comes with the Zions Cash Rewards program.  The Zions Cash Rewards program is a cash back program that offers rewards to Zions Bank Visa cardholders when qualifying purchases are made using the Zions Bank Visa credit card or debit card.  All of the Zions Bank personal Visa credit cards and debit cards are automatically enrolled in their Cash Rewards program.  There is no annual fee for this program. 

This credit card rewards program is a feature of Zions Bank products so each participating merchant in the program decides what qualifies and how much of a reward is earned based on the purchase type and amount.

Along with the Zions Bank credit card rewards program, bank Visa Platinum credit card holders have the option of enrolling in the AmaZing Rewards store.  There is a annual fee of $25.00 to participate in the AmaZing Rewards program.  For every $1.00 spent with the Zions Bank Visa credit card the card holder earns one AmaZing Rewards point.  Earned reward points can be redeemed for gift cards, travel, merchandise, activities, event tickets and more.

And added to this credit card rewards program, Zions Bank has a cash back savings rebate program.  This credit card cash back rewards option can be added to any Zions Bank credit card at no extra cost.  Credit card holders can earn 1% cash back on all Zions Bank credit card purchases.  There is no annual cap on how much credit card cash back can be earned.  Every time a credit card account holder earns $50.00 in cash back, the bank automatically deposits the funds into a Zions Bank savings account.

Here are some of the additional rewards and benefits offered by the Zions Bank credit card: auto rental collision damage waiver, cardholder inquiry service, travel accident insurance up to $1,000,000.00, concierge service, emergency cash disbursement and credit card replacement, lost or stolen credit card reporting, protection from unauthorized use of your card or account information and more.  For all benefits and features, certain restrictions, limitations and exclusions may apply.

Zions First National Bank operates 134 bank branches and nearly 200 ATMs in Utah and Idaho.  In addition to credit cards, the bank offers a wide range of traditional banking services and commercial banking services.

The Zions Back Visa credit card is one of many cash back credit cards, rewards credit cards and low rate credit cards available.  Compare all the current credit card options carefully before choosing the best credit card to fit your needs. 

Bestcreditcardrates.com presents this credit card review with additional tools and resources to help consumers research the best credit card offers with the best credit card rates.

Reasonable efforts are made to maintain accurate information reading all credit card offers.  However all credit card information is presented without warranty.  Review the online credit card application for details about current credit card terms and conditions.

To find more information on credit card offers for low interest rates or credit card reward programs  see the following lists at low interest credit cards and rewards credit cards.  Additional credit card databases at Bestcreditcardrates.com include: prepaid credit cards, cash back credit cards, secured credit cards, student credit cards and business credit cards.

Low Credit Card Rate and Zero Percent Start Rate UMB Platinum Visa

The UMB Visa Platinum credit card is a low interest rate credit card that is also categorized as a rewards credit card.  With the UMB Visa Platinum credit card, account holders can save money with the standard low interest rate, earn rewards and pay no interest with the introductory credit card rate for new credit card purchases.  The UMB Platinum credit card also has no annual fee.

This credit card clearly has very favorable terms with the low introductory credit card rate and standard purchase transaction rates and therefore is intended for consumers with a nearly perfect credit history.

The credit card rate for purchase transactions is a variable rate based on the Prime Rate.  The rate is determined by adding 7.74% to the Prime Rate.  The current credit card APR is 10.99% but is subject to change as the Prime Rate changes.  The variable rate for credit card cash advances is determined by adding a margin of 11.74% to the Prime Rate.

The introductory credit card rate is at zero percent and applies to purchases made with the card for the first six months.

The credit card due date or grace period on this bank credit card is at least 21 days after the close of each billing cycle.  There are no credit card interest charges on accounts in which the account holder pays the full credit card balance by the due date or within that race period each month.  The grace period applies to purchase transactions and not on credit card cash advances.

The UMB Visa Platinum credit card is also a rewards credit card.  The Visa credit card account holder can earn one point for each $1.00 in net credit card purchase transactions and two points for each $1.00 of finance charges billed on the enrolled credit card account.

Credit card points can be redeemed for a wide selection of rewards.  Credit card reward options includes: account credits, merchandise, travel rewards, and much more.

Bestcreditcardrates.com presents this credit card review without a guarantee of the accuracy of the information.  Before applying for a new credit card we recommend that you review and verify the current credit card terms and conditions that can found on the online credit card application.

Bestcreditcardrates.com provides the information on the UMB Visa Platinum 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 find more information on credit card offers for low interest rates or credit card reward programs or credit cards for balance transfers see the following lists at low interest credit cards, rewards credit cards and balance transfer credit cards.  Additional credit card databases at Bestcreditcardrates.com include: prepaid credit cards, cash back credit cards, secured credit cards, student credit cards and business credit cards.

Republic Bank Under 9 Percent Credit Card Review

The Republic Bank Visa Gold credit card and Visa Platinum credit card are reward credit cards that have low variable rates on credit card cash advances and purchases.  These bank credit cards currently offer a credit card rate that is under 9 percent which ranks the credit cards among the best credit card rates currently available.  

The Republic Bank Visa credit card rate is a variable rate credit card based on the Prime Rate.  The credit card APR is established by adding a margin of 5.20 percent to the Prime Rate.  The current credit card rate is 8.45 percent.  The credit card rate applies to both credit card purchase transactions as well as credit card cash advances.  The maximum credit card rate that the variable rate can reach is set at 21 percent. 

There is no annual fee with the Republic Bank Visa Gold or Visa Platinum credit card.

Republic Bank credit card holders can receive monthly credit card statements through the mail or gain credit card account access through the Internet.

The credit card offers some standard additional features such as 24 hour emergency credit card replacement service, accident insurance coverage, baggage delay insurance coverage and live customer service 24 hours a day. 

ezCardInfo a service of Certegy, Inc. is another featured offered with the Republic Bank credit card.  This credit card service allows account holders to access their credit card information online.  Credit card account holders have the ability to review their credit card balances, available credit card limit and payment information.  Account holders can also perform a variety of searches on their account by transaction type, expense category, transaction amount, the merchants name or date the credit card transaction was posted.  Additional services are also available.

Some conditions and restrictions will apply to these add on features.

As a reward credit card, account holders can earn credit card reward point for each $1.00 in net purchases made with the credit card.  Credit card reward points can be redeemed for merchandise and travel services.

The grace period or credit card due date is at least 25 days after the close of each billing cycle.  There are no credit card interest charges on the account for purchase transactions if the entire credit card balance is paid in full by the due date each month.

Republic Bank is based in Louisville, KY and operates 44 bank branch locations in Kentucky, Indiana, Florida and Ohio.

Although Bestcreditcardrates.com believes the information on the credit card offer is accurate, no guarantee can be made about the accuracy and timeliness of the credit card rate and terms.  Please see the online credit card application for details about current credit card 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.

To find more information on credit cards with low interest rates see low interest credit cards or to see more credit card offers for credit card with reward programs refer to rewards credit cards.

Capital One Student Rewards Credit Card Review

The Capital One Student Rewards credit card is a bank credit card offered by Capital One targeted at young adults or students.  Since the credit card is geared towards young adults and students the requirements to obtain the credit card are slightly more lenient regarding the applicants credit history.

Due to the lenient credit history requirements, the Capital One Student Rewards credit card has a higher credit card rate than standard bank credit cards.  The variable credit card rate is based on the Prime Rate and the current rate is now at 24.90% for credit card purchase transactions as well as credit card balance transfer transactions.

The Capital One Student Rewards credit card has no annual fee.

This a rewards credit card or cash back credit card that offers cash back of up to 2% on certain categories of purchase transactions.  The credit card earns a 2% cash back for net purchases made with the card on restaurants, textbooks, cell phone bills, and entertainment.  Purchase transactions made with the card in all other categories will earn a 1% credit card cash back bonus.

There is no limit to the amount of credit card rewards that an account holder can earn and the credit card rewards earned do not have an expiration time period.

Cash back rewards earned with the Capital One credit card can be received in a number of different ways, including: upon request of the account holder, at a set time each calendar year or automatically when a specific cash back amount is earned.

A limited credit history is outlined by Capital One as a credit card applicant that has had their own credit card for less than three years or never had their own credit card, has a valid credit score and has a limited credit history for reason such as being a student, a young adult or a new immigrant.

The credit card due date or grace period is at least 25 days after the close of each billing cycle.  There is no interest charged on new credit card purchase transactions for card holders that pay the balance in full before the due date or grace period provided that the previous credit card balance is paid in full by the due date each month.

Bestcreditcardrates.com offers up to date information on credit card offers such as the Capital One Student 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 available on the online credit card application.

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.

For consumers interested in more student credit card offers, Bestcreditcardrates.com offers a complete list of student credit cards.

Credit Card Review of the Amegy Bank Visa Platinum Credit Card Offer

Amegy Bank is one of the top 100 largest banks in the US.  Amegy Bank currently offers three different bank credit cards including a Visa Platinum credit card that has a credit card rate currently below 9 percent.

The current credit card rate on the Amegy Bank Platinum credit card for purchase transactions is 8.75%.  The credit card is a variable rate that is based on the Prime Rate.  The credit card rate for credit card balance transfers and credit card cash advances runs higher at 13.25%. 

The bank credit card has no annual fee and has an option of two different credit card reward programs.  The credit card reward program options include the AmaZing Rewards option or the Cash Back option. 

With the AmaZing Rewards option, credit card holders can obtain one point for every $1.00 in net purchase transactions made with the card.  Reward points can be redeemed for travel, merchandise, gift cards and more.  With the Cash Back rewards option, account holders can earn cash back equivalent to 1% of net credit card purchases.  Each time the account holders cash back earnings reach $50.00, the bank deposits the finds into a savings account directed by the account holder.

Account holders that enroll in the AmaZing Rewards program will receive 1,000 AmaZing  Rewards bonus points upon enrolling in the program with a new credit card.

The credit card grace period for this Amegy Bank credit card is at least 25 days after the close of the most recent billing cycle.  If the entire credit card balance due is paid in full within the grace period or by the due date each month, there are no interest charges on the account.

In addition to the features listed, the Amegy Bank Visa Platinum credit card offers several other features including a card customization option that allows selected photos to be embedded on the credit card.  There is also the contactless card option called the Visa payWave.  Additional features also include: Visa Zero Liability, the Verified by Visa program to help prevent unauthorized credit card use online, auto rental collision damage waiver, travel accident insurance, warranty manager service and more.

In addition to bank credit cards, Amegy Bank personal banking products and services includes: checking accounts, savings accounts, personal loans, mortgages, online banking and more.

Amegy Bank is based in Houston, Texas and has banking offices in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington.

Although we believe the information on the credit card offer is accurate, and every effort has been made to ensure its accuracy and completeness, no guarantee can be made about the accuracy and timeliness of the credit card rate and terms.  Please see the credit card application for details about current card 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.

To find more information on credit cards with low interest rates see low interest credit cards or to see more credit card offers for credit card with reward programs refer to rewards credit cards.

Credit Card with Credit Card Rate Under 7.75 Percent

The Sunflower Bank Visa credit card has one of the best credit card rates currently on the market.  The credit card rate is now under 7.75 percent.  The Sunflower Bank Visa credit card rate is determined by adding 1.65 percent to the Prime Rate with a minimum credit card interest rate of 7.65 percent.  This is the APR for credit card purchases, credit card balance transfers and credit card cash advances which is a variable rate and varies with the market.

The credit card grace period or due date is at least 25 days after each billing cycle.  Credit card account holders that pay their full credit card balance by the due date do not incur credit card interest charges.

There is no annual fee with the credit card and there is no fee for conducting credit card balance transfers.  The late payment fee imposed by the bank for delinquent monthly payments is $19.00.  The over the credit card limit fee is always set at $19.00.

All of these credit card terms are available on the Sunflower Bank Classic Visa credit card.  Sunflower Bank also offers a Platinum Visa credit card.  The Platinum Visa credit card offers an even lower credit card rate.   The bank credit card rate for the Platinum Visa card is currently at 6.0 percent at a variable rate determined by adding zero to the Prime Rate but with a floor or minimum rate of 6.0 percent.

The bank Platinum credit card also has no annual fee and the credit card rate applies to purchases, credit card balance transfers and credit card cash advances.

The bank credit cards also offer a limited credit card rewards program.  By using the credit cards for everyday purchases account holders can earn points that can be redeemed for merchandise and travel awards.

Sunflower Bank is based in Salina, Kansas.  The bank provides a wide array of banking services and products to residents throughout Kansas.  Sunflower Bank provides commercial and corporate services, personal solutions, wealth management and mortgage loans, and more.

The credit card review of the Sunflower Bank credit cards presented by Bestcreditcardrates.com is believed to be accurate as of this publication date; however the rates and terms are subject to change.  Review the online credit card application for details about 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 quickly and easily choose the best credit card with the best credit card rate.

To see similar credit cards with a low credit card rate or credit card rewards view the low interest credit cards database or the rewards credit card database.

Credit Card Review Ameriprise World MasterCard Credit Card

The Ameriprise World MasterCard credit card is a bank credit card with one of the best credit card rates on the market that also offers rewards for everyday purchases and has no annual fee.

The credit card rate is the same for both purchase transactions and credit card balance transfers.  For purchases and balance transfers the rate is 9.24% variable rate or the Prime Rate + 5.99%.  The credit card rate for cash advances is at 11.24% variable APR or the Prime Rate + 7.99%.

The credit card also has a low rate for new credit card balance transfers for the first six months after the credit card account is opened, the introductory credit card balance transfer rate is 1.99%.

The credit card rewards program that comes with card allows card holders to earn one Ameriprise Rewards point for every $1.00 in net purchases made with the Ameriprise World MasterCard.   New credit card holders can also earn 1,000 Ameriprise Rewards points for using their credit card the first time.  In addition, new credit card holders can earn 24,000 Ameriprise Rewards points when they make transactions totaling $500.00 within the first 90 days of opening an account if the new account holders are Ameriprise Achiever Circle clients.  There is no limit to the amount of Ameriprise Rewards points that an credit card account holder can earn.

Accumulated credit card rewards points can be redeemed for cash, airline tickets, entertainment and more.  Reward points can also be redeemed for access to MasterCard Unique Experiences & Offers including unique dining, high end shopping, and once-in-a-lifetime experiences.  Credit card reward points can also be used for investing alternatives including investing up to 1.25% cash back when you redeem your points into a qualifying Ameriprise financial account or get 1.50% cash back when you redeem your points for a certificate for discounts on your Ameriprise Financial Planning Service fees.

The credit card due date or grace period is at least 23 days after the close of each billing cycle during which time the credit card account holder will not be charged interest on purchases if the entire credit card balance is paid in full by the due date each month.

The bank credit card has additional benefits that include: complimentary premium level concierge service for restaurant reservations, events and performances that is available 24 hours/day -365 days a year, automatic insurance for trip cancellation and lost or damaged luggage, coverage for most rental vehicle insurance, emergency roadside assistance that includes jumpstarts, towing, gas delivery and tire change as well as $250,000 in travel accident insurance.  These added benefits may have certain terms, conditions and exclusions.

The Ameriprise credit card account is offered by Barclays Bank and upon opening the credit card account it will be subsequently transferred or sold to Ameriprise Bank, FSB.

The information about the rates and costs of the card are accurate as of this publication however, 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 online credit card application for details about terms and conditions.

Bestcreditcardrates.com provides comprehensive credit card rate information on a variety of credit cards including the Ameriprise World MasterCard credit card as well as other tools and resources to help consumers select the best credit card with the best credit card rate.

The Second Best Credit Card Rate Available

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.

Best Credit Card Interest Rate First Tennessee Visa Credit Card

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.

Best Credit Card Rates Review of the KeyBank College Rewards Credit Card

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.

Best Credit Card Review of the Credit One Bank Visa Platinum Credit Card

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.

Credit Card Review Holland America Line Rewards Visa 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.

Best Credit Card Rates Review of the Virgin America Visa Card

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.

Best Credit Card Rates Review Bass Pro Shops Outdoor Rewards Platinum Plus Visa Credit Card

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.

Best Credit Card Rates Review NASCAR RacePoints Credit Card

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.

Best Credit Card Rates Review China Airlines MasterCard

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.

Best Credit Card Rates Review Air Jamaica Card

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.

Best Credit Card Rates Review JetBlue Card from American Express

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.

Best Credit Card Rates Review Nordstrom Signature Visa Card

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.

Best Credit Card Rate Review US Bank AeroMexico Visa Card

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.

Best Credit Card Rates Review PenFed Promise Card

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.

For information on PenFed certificate of deposit please visit our affiliate publication, www.selectcdrates.com under the heading Credit Union CD rates.

Best Credit Card Rates Review Barnes and Noble MasterCard

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.

Credit Card Review Commerce Bank Special Connections Visa

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.

Best Credit Cards Rates Review of AmTrust Bank Accelerated Rewards® American Express® Card

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.

Best Credit Card Rates Review EverBank Visa Platinum Card

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.

Best Credit Card Rates Review First Command Bank Classic Visa

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.

Credit Card Review Applied Bank Platinum Secured Visa Gold Credit Card

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.

Credit Card Review Wells Fargo Cash Back College Card

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.

Credit Card Review Free Spirit Onyx Mastercard

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.

Credit Card Review American Express Zync Credit Card

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.

Credit Card Review Wells Fargo Home Rebate Card

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.

Best Credit Card Rate Credit Card Review Merrill Lynch

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.

Credit Card Review USAA AOG World MasterCard

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.

American Express TrueEarnings Credit Card Review

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 Maximum Rewards Bank Credit Card

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.

Credit Card Review of the US Bank Harley-Davidson® Signature Visa Card

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 Platinum Visa® Credit Card with SunTrust Rewards

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.

Review of the AccountNow® Prepaid Visa® Card

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.

Credit Card Review PNC Everyday Rewards Visa

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.

Credit Card Review of the Orbitz Visa Platinum 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.

Think Visa Credit Card Review

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.

Visa Platinum Credit Card from Simmons First

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.

Chase Ink Business Credit Card

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 Visa Business Credit Card

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.

American Express Starwood Preferred Guest Credit Card 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.

Best Credit Card Rates with Bryant State Bank MasterCard 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.

Visa Buxx Prepaid Visa Credit Card

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 VEGAS.com MasterCard Credit Card Review

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.

Co-Signer Visa Credit Card by Heartland Bank & Trust

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.

Credit Card Review American Express Premier Rewards Gold Card

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.

Credit Card Review of First PREMIER Bank Credit Card

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.

Credit Card Review of the Ultra VX Visa

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.

Credit Card Review of the First Vineyard Card

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.

Credit Card Upromise® World MasterCard® by Bank of America

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.

Credit Card Offer from HSBC, the American DreamCard

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.

Secured Credit Card Offer from New Millennium Bank

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.

Visa Black Card Credit Card Promotional Review

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 Card Review, Prepaid Visa RushCard

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.

Credit Card Review, Capital One No Hassle Cash Rewards

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.

Citibank Credit Cards – Secured MasterCard

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.

Credit cards offers from IBERIABANK

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.

Credit Card Promotion

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.