Rates Current as of Thursday July 29, 2010

Credit Cards For Excellent Credit

NetSpend® Visa® Prepaid Debit Card

100% approval - No credit check required
Short-term iAdvance Line of Credit - Now available!
No overdraft fees or minimum balances
Online Bill Pay - Easily send a check to anyone
5% APY Savings Account - Exclusive
Free Direct Deposit from your paycheck or government check
Add up to $10K to your account in over 65,000 locations
As seen on TV and in stores nationwide

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Baby Phat Prepaid Visa® RushCard

Show your style with the BabyPhat RushCard
Guaranteed approval*
No Credit Check
FREE Direct Deposit
No Overdraft Fees/ No Check Fees/ No Interest Fees
Free Credit Builder
56% of cardholders save over $300/ year using the RushCard
Make money with our Refer A Friend Program
Reloadable with a $10,000 maximum balance
Free Email/ SMS Alerts
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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READYdebit® Card

100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay!
Now with FREE Credit Builder!
Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
Pay Nothing Now! – No deposits or prepayments required to get your card.
FREE Direct Deposit! – stop paying to cash your paycheck.
FREE phone and online access to your card account!
No declined transaction fees!
Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.
Safer than cash - All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection.
Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
* Subject to I.D. Verification.

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SilverCard Prepaid MasterCard®

Perfect card for Government/Benefits Checks recipients
$0 activation with rebate*
100% guaranteed approval*/no credit check
Free direct deposit of your pay or government check
Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted
No overdraft fees or minimum balances
Online Checking - Electronic or paper checks

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Prepaid Visa® Purple Diamond RushCard

FREE Direct Deposit
FREE live customer service 24/7
FREE text alerts and phone balance inquiries
FREE optional credit building history
FREE online money management tools
Pay bills and shop online
Easy to use - the convenience of plastic WITHOUT THE DEBT
NO Credit Check
STOP Paying check cashing, overdraft, interest fees
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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Prepaid Visa® Black Diamond RushCard

FREE Direct Deposit
FREE live customer service 24/7
FREE text alerts and phone balance inquiries
FREE optional credit building history
FREE online money management tools
Pay bills and shop online
Easy to use - the convenience of plastic WITHOUT THE DEBT
NO Credit Check
STOP Paying check cashing, overdraft, interest fees
Card to Card transfers between RushCard Members
Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions

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Credit Card Tips

Too many credit cards

While it may be tempting to adopt a policy that more is better when it comes to credit cards, it is not necessary to have more than six credit cards for most credit purposes. Four credit cards will help you meet most requirements for maximum credit card rewards, the best credit card rate, significant available

Searching for the Best Bad Credit Credit Card

A credit card for bad credit can allow consumers that did not have ready access to credit the flexibility and convenience of having a credit card. Credit cards for bad credit often come with more restrictions and higher interest rates than standard credit cards due to the credit history of the card holders who use

Business Credit Card Review Cap One Visa Business no Hassle Cash Credit Card

The Capital One Visa Business Platinum No Hassle Cash Rewards business credit card offers a flexible cash back reward program with no annual fee and very competitive rate on a business credit card. The Capital One Business No Hassle Cash Rewards credit card allows card holders to earn1% cash back on all purchases no matter where

Credit Card Review of Chase +1SM Student MasterCard

The Chase +1 Student MasterCard is one of the more unique student credit cards marketed by Chase credit cards. This credit card offers a distinctive rewards program and has some of the best credit card rates in the student credit card category. The credit card reward points earned on this credit card are called Karma Points.

Searching for the best secured credit card

With secured credit cards it is especially important to watch out for really bad terms that can totally defeat the purpose of having this type of bank credit card. Some issuers have low fees and provide reasonable credit card services. Others will try to impose more and higher fees, especially if you deviate even a

Credit Card FAQs

What is a credit card penalty rate?

The penalty rates is a new interest rate that may be applied to your credit card if you make a late payment on the credit card. About 2/3rds of credit card companies include a penalty rate clause with their credit card offers. This clause or condition asserts that your credit card interest rates can increase

My high school aged daughter has a best friend who just got a credit card. Now my daughter wants one. Is this a good idea?

It isn’t a good idea if she just wants what everyone else has got, but if you see it as an opportunity to show her the benefits of credit, and how good credit can positively influence her future ability to have a car or home or job, go for it. You can get her a

With credit card cash back rewards do you get cash each month?

Credit card cash back rewards credit you with a percentage of your monthly purchases. Some of the best credit card cash back rewards cards presented at this site will surely help you to earn cash back while you spend. The cardholders receive monetary rewards for making purchases, usually between 0.5% and 2% of the net

If I am turned down by a credit card company will I be able to find out why they did this?

When your credit card application is denied for credit, the credit card company has to inform you as to the basis for the decision. The denial has to be included in writing with the specific reason for denial. If your credit report was used as a determining factor in the denial they must provide information

Citibank Credit Card Recent Offer Forward Card

The Citi Forward Credit Card is just one of the many credit cards offered by the third largest credit card company in the U.S. The Citi Forward credit card comes with a rather specific marketing angle that targets consumers looking for credit card rewards and use their credit and credit cards prudently. The Citibank credit card

Credit Card Glossary

Automatic Payments

Credit card automatic payments are credit card payment that are established and authorized as regular withdrawals to be made from a checking or other deposit account to pay the credit card amount due. This is a method of making regular predetermined payments on the credit card accounts by transferring funds from the checking or savings

Prime Rate

The prime rate is merely a lending base rate used to make loans to certain borrowers. It is not necessarily the lowest or best rate at which loans are made. The prime rate is well publicized and fundamental rate established to base interest rates on certain loan types including credit card rates. The prime rate

Transaction Fees

Fees that are assessed on a specific credit card transactions or acts of doing business. An example of a transaction fee would be when a credit card holder is assessed an additional fee for using their credit card for a cash advance. Transaction fees may also be assessed for other special credit card services performed

Due Date

Credit card accounts that have balances will have a due date. The credit card payment should be collected by the bank credit card company on or before the due date. If a credit card payment does not arrive by the credit card due date, the credit card will be charged a late fee. Credit card

Introductory Rate

An introductory credit card rate is a temporary, lower credit card interest rate or credit card annual percentage rate (APR) offered by some credit card companies. The introductory credit card rate is sometimes referred to as a teaser rate, used to attract customers to apply for a new credit card, or to switch bank credit

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Credit Card Articles

Business Credit Card Benefits

Business credit cards are heavily marketed by a variety of credit card companies. Business credit cards often offer many of the same features that are available on consumer credit cards. These credit card offers are by and large made available to all sizes of businesses from the one employee home based business to large conglomerates.

Hazards of the Credit Card Cash Advance

It’s two days before pay day and you are broke. Your brother is out of town so you can’t ask him for $50, and you are worried that the very attractive co-worker you’ve been flirting with will ask you to lunch and you’ll have to come up with a lame excuse. So, the dreaded credit

Credit Card Charge Offs

Being late paying your bills is not unusual and happens to the best of us. If a situation arises where you suddenly cannot pay your bills – loss of a job or a medical emergency – it is important to understand just what will happen if you find yourself delinquent on a loan or other

Reducing the Costs of Credit Card Debt

Credit card debt is perhaps the largest reason why so many Americans go into debt every day. The major drawback to using credit cards is that too many people overextend themselves and find they are in a vortex of high interest credit card debt. It can be far too easier to apply and be approved

Capital One Platinum Prestige Credit Card

For individuals with very good credit, Capital One’s Platinum Prestige credit card offer has some attributes worth considering. The Capital One Platinum Prestige Credit Card starts with a zero percent introductory credit card rate. The credit card offers 0% APR on credit card purchase transactions until November 2010 as well as 0% APR on credit card

Chase Credit Cards Reviewed the Slate Card

The Chase Slate credit card is one of the new credit cards being offered by Chase Credit Card Services that offers flexible bill payment options. The credit card offers card holders the option of separating their purchases to pay off different categories of purchases at different repayment rates. For instance, a credit card holder can avoid

Using Credit Cards Prudently

A credit card is an incredible convenience that has immeasurable rewards and benefits, but it can lead some people into trouble because they don’t have good training in personal finance, or find they are living in difficult circumstances. If we haven’t found ourselves in credit card trouble or having difficulty with the credit card payment,

How to Transfer a Credit Card Balance

It seems like everyone is looking to transfer credit card balances these days. There are certainly a number of reasons why this could help your financial situation if it’s done the right way. Perhaps there is a high-cost feature of your current credit card, such as a high credit card interest rate or high credit

Credit Cards Asking For A Lower Rate

Do you suffer from chronic shyness? Do you often feel invisible or inconsequential? Do you feel a need to be more assertive at work or at home? With a boss, an employee, a spouse, a friend, or a child? Try a new path to bravado by starting with your credit card company. Call them up and ask

Credit Card Review of Chase +1SM Student MasterCard

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