Rates Current as of Monday March 22, 2010

Credit Cards For Good Credit

Discover® Student Card

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online
Double rewards with more than 100 Cashback Bonus Partners
Customer Service in less than a minute, anytime you want

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Discover® Student Card - Clear

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online
Double rewards with more than 100 Cashback Bonus Partners
Customer Service in less than a minute, anytime you want

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Miles by Discover® Card

12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
Double Miles on up to $3,000 in travel and restaurant purchases each year
Book any travel, anytime with no blackout dates or restrictions
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire
No Annual Fee
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

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Discover® Open Road(SM) Card

Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.

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Discover® Student Card - Tropical Beach

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online
Double rewards with more than 100 Cashback Bonus Partners
Customer Service in less than a minute, anytime you want

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Discover® Student Card - Monogram Collection

5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
Unlimited cash rewards, automatically
Up to 20% Cashback Bonus® when you shop online
Double rewards with more than 100 Cashback Bonus Partners
Customer Service in less than a minute, anytime you want

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Discover® Motiva(SM) Card

Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

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Discover® Student Open Road(SM) Card

Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.

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Chase Freedom(SM)

0% Intro APR for up to 12 months
Get 5% Cash Back offers in popular rotating categories like gas, groceries, airlines, home improvement and many more
Say “no” to interest with Full Pay from Blueprint(SM)
Cash back everywhere – a full 1% on purchases with no limits or expiration dates
No annual fee

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Slate(SM) from Chase

0% Intro APR for up to 12 months
No Annual Fee
Pay down balances on your terms with Blueprint(SM)
Zero Liability on unauthorized purchases
E-mail and text alerts

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FREE SPIRIT(TM) Onyx World MasterCard®

Get 15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
Get up to 10,000 additional miles for balance transfers made in the first 60 days after account opening
Annual fee waived for the first year
Get complimentary $9 Fare Club membership (a $39.95 value!)
Priority boarding and domestic priority check-in
Earn 3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
Your miles never expire and more

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Credit Card Tips

Credit card services better than debit cards

In measuring total security and consumer protection, debit card purchases have much weaker consumer safeguards than credit card purchases do. Stick with credit cards for your mid size and larger purchase amounts. Credit card services will almost always outweigh the benefits of debit card services. Paying with a credit card generally provides greater protection than

Eliminate credit cards with high interest rates

One of the best credit card tips is to gather all your credit card statements and see which credit card charges the highest interest rate. When you find the credit card with the highest rate you should make the biggest payment to that credit card while making minimum payments on the other credit cards. This

Bank of America Credit Cards January 2010

Bank of America is one credit card issuer that always offers a wide array of card types with an equally wide assortment of credit card rates. If you’re in the market for a new credit card, Bank of America is currently offering a number of cards to choose from. Choose directly from the bank’s rewards credit

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

Bad credit cards

If you have less than perfect credit, credit card offers vary so be sure to shop around. You aren’t just looking for a good deal. You are looking to avoid a really bad deal. Some secured credit card companies will charge a credit card application fee and others will not. Most all secured credit cards have

Credit Card FAQs

Chase Credit Card Rates

Credit card rates for the Chase Slate, Freedom and Sapphire credit cards. All of the Chase credit card rates are adjustable rates. The credit card APRs will vary with the market based on the Prime Rate. Chase Slate credit card rates: Chase Slate credit card has no annual fee. The Chase Slate credit card currently has an introductory credit

I lost a credit card. Once I inform the credit card company, am I done?

Most likely not. Most of us have recurring purchases associated with our credit cards that must be rearranged. If you send flowers to mom every month, or have a recurring credit card payment to a health club or a credit card online with a web site, you need to arrange something new with them too.

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

What is an introductory credit card APR?

An introductory credit card annual percentage rate (APR) is a temporary APR that typically changes to a higher rate after the intro period (typically 3-12 months). Many people make use of these promotions to make a large purchase (or purchases), which they can then pay off the credit card debt in a series of months

What is credit card disability insurance?

Credit card disability insurance is one of many credit card services provided by some card issuers that allows you to skip monthly credit card payments when you are determined to be disabled. Often it can be somewhat onerous to get the credit card company to activate the insurance in the event you become disabled. And

Credit Card Glossary

Credit Freeze

A process of suspending or preventing a credit reporting company from releasing your credit report without your consent. All credit inquiries including those to approve new credit or new credit cards or credit card applications will also be hindered because special approval is needed to access the credit report of the individual who has requested a

Fixed Rates

A credit card interest rates determined by the credit card offer and credit card agreement in which the credit card rate will typically not change over a given period of time. Credit card interest rates that are fixed rate have the advantage of providing the credit card account holder the knowledge of knowing what the

Visa Credit Card

A credit card that carries the Visa symbol and is used by merchants and individuals for financial transactions within the Visa approved network. Visa cards are products of Visa USA. Credit cards with the Visa brand are marketed and distributed by bank credit cards and other financial institutions throughout the world. Visa Inc. operates the world’s

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

Bad Credit Cards

Bad credit cards are credit cards offered for individuals that have damaged or poor credit. This is an informal term use to describe types of credit cards that easier to obtain than standard credit cards. Bad credit cards include secured credit cards, prepaid credit cards and other credit card offers that require less stringent credit

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Credit Card Articles

Credit Cards and Your Credit Level

When you apply for a credit card, the credit card companies are going to look at a few factors in order to determine whether to accept or deny you. The most prevalent of those factors is going to be your existing credit history. What kind of credit history you have will depend on how you

Bank of America Credit Card Accelerated Cash

The Bank of America® Accelerated Cash Rewards™ American Express® Card is one of the many credit cards promoted by Bank America that has a very competitive cash rewards attribute. With this cash back credit card, the account holder will earn cash back on all purchases with no limit to the dollar amount that may be accumulated.

Credit Cards and Credit Building for Students

Everybody has to start somewhere, right? Well, part of the trick in establishing credit is that it’s kind of a catch-22. You need to have some to get some. Remember the old line that you can never be too thin or too rich? My grandmother used to say things like that all the time. But

Credit Card Options for Those with Poor Credit

For those consumers that have poor credit or a bad credit history, they still need a method to buy things without cash or a check, and there are some options that are available with bank credit cards. Obtaining a new credit card, whether you have a good credit or bad credit, should involve a little

Credit Card Cardholder Protections and Rights

Just because a company has given you a credit card, essentially loaning you money doesn’t mean you should let the company push you around. When problems arise you do have options. A good consumer knows what these are and protects themselves. Cardholders should know what their rights and protections are. The best way to guard against

Bank of America Credit Card Offer for BankAmericard Cash Rewards Visa SignatureCard

The BankAmericard Cash Rewards Visa SignatureCard is a rewards credit card that comes with some special introductory promotions. The credit card is marketed with a $75.00 bonus and extra credit card rewards. This is a no annual fee credit card marketed by Bank of America. The $75.00 statement credit can be redeemed by using a new

Beginning Credit With a Student Credit Card

Some college students are in a situation where their parents are paying for their bills, so they may not see much need for a credit card. Others are more independent, and may need an extra source of funds when they run short on cash. In either case it is important for a young person to

Citibank Credit Card Recent Offer Forward Card

Discover Credit Cards, the Discover Motiva

The Discover Motiva credit card is one of the many credit card offers presented by Discover Bank. This credit card is an entry into the field of credit card rewards cards that not only offer standard points rewards but rewards the card holders for making timely payments on the credit card account. With the Discover Motiva

Credit Cards, Saying Goodbye to the Pocket Full of Change

People have been debating for quite a while now, since the onset of the credit card really, about just how far away we are from reaching a totally cashless state in our day to day business. The fact is that despite the people who might want to resist it, we are getting closer to that

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