The first place to start in the process of selecting the best credit card offers is to read the credit card terms and conditions in the advertisement or credit card application.  Use the information on the new credit card offers regarding the rates and terms to compare to the credit card rates and terms on your cards and then further use this information to analyze your credit needs.  Evaluating your credit card needs and uses is a major variable in choosing the best credit card. 

By reviewing your needs and evaluating how you use the credit you have, it is easier to decide on what terms and conditions on a credit card may best assist you.  O% introductory credit card rates are of little value to the credit card holder that pays off balances monthly or who may gain greater value with credit card rewards programs.  Just because the credit card company wants your business doesn’t mean you want their business.  Low initial rates may not always be the best choice, greater rewards or the opportunity for a balance transfer may be more valuable.

After checking the terms and rates on the cards and how you use your credit, review the new credit card offers starting with the annual percentage rate (APR).  Check the new credit card rate for purchase transactions, balance transfers and cash advances.
 
Next, take a look at the credit card fees.  If you plan to pay off your balance every month, avoid signing up for a new credit card that has an annual fee.  If you carry a credit card balance, it may be worth paying a fee if the interest rate is low enough.  Compare the fees you’ll be charged for transferring your balance, using your card to get a cash advance, exceeding your credit limit, or paying your bill late as well.

To choose the best credit card, compare your credit needs with the terms offered by the credit card companies and choose the credit card with lowest costs and greatest benefits.

None Found

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.

None Found

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 card rate of 0% for the first 12 billing cycles on purchases for those credit card accounts that qualify as Elite and Premium pricing from Chase.

After the introductory period ends the credit card rate for purchase transactions is divided into 3 categories of pricing.  The first category is Elite Pricing which has a credit card rate of 13.24%.  The second category is Premium Pricing which has a credit card rate of 17.24%.  The third group is refereed to as Standard Pricing which has a credit card rate of 22.40%.  

Chase credit card rates on the Chase Slate credit card are determined by the credit profile of the credit card applicant.

The Chase Slate credit card also has an introductory credit card rate for credit card balance transfers.  The introductory rate is 0% for the first 12 billing cycles for the credit card accounts that qualify for Elite and Premium pricing.  The 0% introductory rate for balance transfers will apply for 6 billing cycles for those accounts that qualify for Standard pricing.
 
After the introductory period ends, the balance transfer credit card rate will be 13.24% for Elite Pricing account holders, 17.24% for Premium Pricing account holders, or 22.24% for Standard Pricing.

To determine future credit card rates for purchase and balance transfers, Chase adds 9.99%, 13.99%, or 18.99% to the Prime Rate to establish the final rate. 

The credit card rate for credit card cash advances also follows the three tier pricing model.  The credit card rate for Elite and Premium pricing account holders is 19.24% and 23.24% for Standard pricing account holders.

To determine future credit card rates for credit card cash advances, Chase adds 15.99%, or 19.99% to the Prime Rate to establish the final rate. 

Chase Freedom credit card rates:

The Chase Freedom credit card has no annual fee.

The Chase Freedom credit card offers a 0% introductory APR for the first 6 billing cycles after the account is opened.  After the introductory rate period ends, the credit card rate on purchases is 12.99% to 22.99%, based on the credit profile of the credit card applicant.

The Chase Freedom credit card also offers a 0% introductory credit card rate on balance transfers that lasts for the first 6 billing cycles after the account is opened.  After the introductory rate period ends, the credit card rate for balance transfers will be between 12.99% to 22.99%.

To determine future credit card rates for purchase and balance transfers, Chase adds 9.74% to 19.74% to the Prime Rate to establish the final rate. 

The credit card rate for credit card cash advances will be either 19.24% or 23.24%.

To determine future credit card rates for credit card cash advances, Chase adds 15.99%, or 19.99% to the Prime Rate to establish the final rate. 

Chase Sapphire credit card rates:

Chase Sapphire credit card has no annual fee.

The credit card rate for purchases is 12.24%.  The rate on credit card balance transfers is also currently at 12.24%.  Both of these rates are established by adding 8.99% to the Prime Rate.

The credit card rate for cash advances is 19.24%.  The credit card cash advance rate is established by adding 15.99% to the Prime Rate.

All rates are deemed to be accurate as of this publication but are not guaranteed.  All credit card rates and terms may change.  The account terms including the credit card rates and APRs may change in accordance with the Cardmember Agreement.

None Found

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.

None Found

Disclosure of Information

Bestcreditcardrates.com will not sell, trade, or rent your personal information to others.  We do not automatically log personal data nor do we link information automatically logged by other means with personal data about specific individuals.  We may use IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer the site.  This statistical information may also be related to third parties, but these statistics will not include any personally identifying information, track user’s movement, and gather broad demographic information for aggregate use.  IP addresses are not linked to personally identifiable information.  We collect only the personal data that you may volunteer while using our services.  We do not collect information about our visitors from other sources, such as public records or bodies, or private organizations.

If you do not want to have your information used in this way, send an e-mail message containing your name and email address to privacyresponse@bestcreditcardrates.com.  Bestcreditcardrates.com may release account information when such release is reasonably necessary to comply with the law; enforce the terms of any of our user agreements; or protect the rights, property, and safety of Bestcreditcardrates.com, the users of its site, or others.

Our Commitment to Children’s Privacy

Protecting the privacy of the very young is important to us.  For that reason, we do not collect or maintain information at our sites from those we actually know are under 18, and no part of our site is structured to attract anyone under 18.

External Web Sites

Please note that Bestcreditcardrates.com contains links to other web sites.  Please be aware that we are not responsible for the privacy practices of these other sites.  We encourage our users to be aware that when they leave our site that you read the privacy statements of each web site that might collect personally identifying information.

This privacy statement applies solely to information collected by Bestcreditcardrates.com.  If you have any questions or concerns about our privacy policy, please contact: privacyresponse@bestcreditcardrates.com.

None Found

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.

None Found

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.

None Found

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.

None Found

One of the fist steps to clean up frivolous charges is close some of those enticing credit card accounts.  More credit report information sources and financial gurus talk about the potential damage to someone’s credit score if they close out a credit card instead of simply letting it remain open but unused. 

It is generally accepted that a credit score weighs the current credit position and the length of time that credit has been available, therefore closing out a long time account can have some detrimental impact.  However, the impact from having the account closed is rather small.  More important than the loss of the long term rating from the closed credit card account is the damage that may come from excessive credit card debt at high interest rates on an account that is used simply because it is available for use.  Potential damage to a credit score and more importantly damage to an individual’s household budget.

For credit card holders that no longer want to use their credit card anymore, the best step is to contact the credit card company to close down your account.  By closing the account, the chance that the credit card will be used or that someone else will improperly use the credit card or account number and use it to make purchases is eliminated.  This procedure will also make certain the account information doesn’t fall into the wrong hands and you become the victim fraudulent credit card charges or even worse, identity theft.  Card holders should also shred the credit card and any access checks linked to the credit card account. 

Closing the credit card account will have an impact on someone’s credit score but before anyone accepts the conventional advice, evaluate what your needs are and make an informed choice on what is right for your credit and debt position.  Unruly credit card debt and burdensome credit card payments will probably out weigh a lower credit score.

Consumer should also spend some time and review all the charges that come on their credit cards to stop those frivolous recurring charges to the credit card account.  Recurring charges like magazines that are not read, credit monitoring services that are of little value and more.  When closing the account, the account holder will need to contact any company or creditor that automatically bills to the credit card account.  Numerous credit card holders place accounts such as the telephone bill, newspaper and magazine subscriptions, online services, credit card services such as credit alerts and insurance automatically charge your credit card.  The credit card account holder will need to contact each company to ask them to stop billing the credit card account and make arrangements to pay the bill with alternative payment methods or terminate the services altogether.

The big step in reducing unwanted charges is to pay down those credit card balances to avoid excessive finance charges.  This is of course easier said then done, but ignoring the credit card balance does nothing to help develop a plan, no matter how long, to reduce the burden of excessive credit card debts and payments. 

A two part solution for reducing the credit card balance is to work on a household budget to control additional debt and mange the resources that are available as well as consolidating the existing credit card debt.  Numerous credit card companies continue to offer 0% credit card rates on new credit cards for a short period of time.  Even though the introductory credit card rate may be for a relatively short time frame, a 0% rate for six months on a $6,000.00 credit card balance can yield some very significant savings.

To manage a household budget, credit cards can be employed to facilitate the process, but a budget must be adhered to like the law.  All income has to be accounted for as well as all expenses, no matter how small.  Using one credit card for all transactions can help to easily monitor the monthly expenses as well as offer the bonus of obtain credit card rewards for all the transactions.

From time to time, credit card companies may decide to change the terms on individual credit card accounts and credit card offers.  For example, the credit card company may change the APR on an existing account, or change or add fees.  The change may be for a variety of reasons.  They may be increasing fees or interest for all their credit card customers.  Or they may be changing the terms on an account holder who has paid late or have gone over their credit card limit.  Card holders should read all notices sent with the credit card statement or sent separately by the credit card company and use this opportunity to change credit cards and improve your financial position if the credit card terms change is less than favorable.

Card holders that may have questions or don’t like the changes to their account, should contact the credit card company immediately.  Be sure to compare the current credit card rate and terms to those are currently available in today’s market, it may very well be time to open a new credit card with more desirable terms.  Far too often, credit card holders fail to capitalize on changing market conditions and credit card industry competition by finding a new low rate credit card.

None Found

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.

None Found