Rates Current as of Wednesday September 08, 2010

Credit Cards For Good Credit

Miles by Discover® Card

12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
1 Mile per $1 on every purchase
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
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
No Annual Fee, No Overlimit Fee, No Redemption Fee

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Discover® Open Road Card

2% Cashback Bonus automatically at any gas station and any restaurant
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
0% intro APR on balance transfers for 12 full months, then the Regular APR
0% intro APR on purchases for 6 months, then the Regular APR

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Discover® MotivaCard

Cash rewards for your good credit management
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
3.99% intro APR on purchases for a full 12 months, then the Regular APR

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Credit Card Tips

Credit card penalties

Don’t overlook that a credit card company can impose late fees, increase your credit card interest rate and cancel your credit card rewards for the month if you pay your bill late. It’s easy to overlook your bills when you’re busy or unexpected surprises come our way. Setting up automated payments from your bank account

Best Cash Back Credit Cards June 2010

With credit card cash back rewards card holders can earn hundreds or even thousands of dollars a year in cash back rewards just by making everyday purchases. Cash back rewards can be in the form of cash credits to the account, checks written directly to the account holder or other reward options. In order to

Credit card services for international travel

Credit cards are now accepted internationally in almost every major country. In foreign countries, credit cards can be used in ATMs to access cash in the currency of the country you’re in. Most bank credit cards offer currency conversion, purchase protection and ATM use in other countries. With the ease of use, purchase protection, and

Citi Credit Card CashReturns® MasterCard

The Citi CashReturns® Credit Card is one of the most recent credit card offers in the category of rewards cards being promoted by Citi Cards. This Citibank MasterCard offers a combination of low rates with cash back rewards program. The Citi CashReturns MasterCard is marketed primarily towards consumers who have a good credit history and

Credit cards and moving on

You have the right to shop around for the best credit cards rates. If your current credit card company won’t play nice, go find another. Good credit card offers, regardless of your credit profile, are available in a variety of rates and terms and conditions. Just make sure when you close your old credit card

Credit Card FAQs

What is an unsecured credit card?

Unsecured credit cards are not secured by collateral. Customers qualify based on credit history, financial strength and earnings potential. Most bank credit cards would fall under this heading of unsecured credit cards. Credit card companies will usually differentiate secured credit cards but do not identify the remaining credit card types as unsecured.

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

Q: What’s the difference between getting cash with my credit card and getting cash with my debit card or check card?

A: This first point to drive home is to try not to use your credit card for cash advances. Both the credit card cash advances and the debit or check card cash advance can provide consumers with convenient and instant access in times of financial need, but credit card cash advances should be avoided if

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

How do I check to see if my identity has been stolen if I’m not sure?

One good way is to check out your credit reports. You are entitled to a free copy of your credit report annually from each of three credit repositories. Also keep track of your bank statements, credit card statements and any bills and invoices from any services providers to make sure they reflect your actual usage.

Credit Card Glossary

Pending Charges

Pending charges are new credit card transactions that have been authorized but have not yet posted to the credit card account. These transactions will be subtracted from the amount of available credit but will not have been added to the total credit card debt outstanding.

Business Credit Card

Business credit cards are utilized by corporate executives as well as small business owners in order to separate keep business expenses from personal charges. Credit card companies market to small business to supplement the consumer card market. A business credit card has many of the same features as traditional credit cards, including low introductory credit

Charge Card

A charge card is a type of payment card in which the charges to the credit card account must be paid in full each month when the statement is issued. The term charge card is generally reserved for credit cards that do not operate as a standard revolving line of credit but requires the payment

Retail Credit Card Merchant

A merchant identified by the credit card industry that sells goods or services in the retail industry that is not transacted via mail, phone or Internet. A merchant that accepts credit cards and provides goods and or services in the retail industry, but that is not a mail or phone merchant may be further classified

Affinity Credit Card

An affinity credit cards are issued by credit card companies that brand or identify the credit card with an institution or organization not operated by the card issuer. The affinity card is offered jointly by the two organizations, the credit card company and the branded institution. The affinity is the relationship the credit card holders may have with the non issuing institution

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Credit Card Articles

About Credit Card Balance Transfers

Expert creditors use a not-so-secret technique to get their credit card interest rate reduced among their credit cards. It involves making a balance transfer on a credit card that has an introductory APR. These credit card APRs can be extremely low or even zero. In the case of the latter, a person may feel that

Credit Card Balance Transfer Nitty Gritty

So, let’s assume that your current company isn’t willing to work you on lowering your credit card rate or offering any other helpful deals. In this case, you have no choice, you have to get yourself a new credit card with nice low rates and transfer all your balances to it. Ann Landers always advised taking

Discipline and Credit Card Debt for Beginners

That first credit card is either a blessing or the beginning of the end and it is up to each person to decide which. It seems so great at first; you just flash your credit card and go home with a carload of the things you haven’t been able to afford until now. But when

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

General Tips Regarding Credit Cards

There are so many different options out there in terms of the credit cards that are available today. With the growing popularity of online shopping, credit cards are becoming more and more the preferred way for many customer and businesses to complete transactions. Because of this the options available are growing all the time, and

Credit Card Cash Back Offers

The proper strategy in using your credit card with a cash back offer can ensure that you are earning the absolute maximum credit card cash back possible. With the astonishing variety of competitive credit card rewards offered in the marketplace, use these credit card offers and programs to your benefit. Take advantage of the payback

Why Fixed Rates Are Not Fixed On Credit Cards

Credit card companies lure us with low or even 0% introductory interest rates and we sometimes lose sight of what happens when the introductory rate goes away. When your honeymoon period of six months or a year is over, the so-called “go to” rate is then in effect. This credit card interest rate is one

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

Bank of America Asiana Visa® Business Credit Card Review

The Bank of America Asiana Visa® Business Card is a business credit card that earns credit card rewards in the form of miles from Asiana Club. This business credit card may be beneficial for small business owners that are Asiana Airlines frequent flyer members. With this Bank of America business credit card, new credit card holders

Capital One® Classic Platinum Credit Card Compared

The Capital One Classic Platinum credit card is a credit card designed with people with limited or no credit history. The credit card is a very basic credit card but comes with a low annual fee and competitive rates. In addition the Capital One credit card has certain benefits that come with the bank MasterCard

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