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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Chase offers a variety of cards with some of the best terms, rates, and benefits in the industry.  Chase SlateSM, Chase FreedomSM and Chase SapphireSM credit cards are available along with some of the best low interest rates credit cards, prepaid credit cards, cash back credit cards, small business credit cards, student credit cards, instant approval credit cards and rewards credit cards on the market today. 

The Chase SapphireSM credit card allows card holders to earn unlimited reward points, the card provides 10,000 bonus reward points after the first purchase and allows the card holder to earns 2 points for every dollar spent on airfare booked through Ultimate Rewards.  The Chase Sapphire credit card has no earning caps on the credit card reward points, no point’s expiration or blackout dates.

The Chase SlateSM credit card comes with 0% introductory period credit card APR and now annual fee.  The Chase Slate credit card also has the BlueprintSM money management feature that offers an exclusive collection of features that lets the card holder manage their personal finances.

The Chase FreedomSM credit card has a liberal cash back program which gives back a 3% cash back bonus on some of the most common purchase categories on a rotating basis including gas, home improvement and department stores.

Choose from one of theses three different types of credit cards that are offered by the Chase Credit Card company or from the list of credit cards on this site.  Compare credit card offers and obtain information about the features they have to offer before choosing the right credit card to match your needs.  

Chase credit cards are issued by JPMorgan Chase & Co, which is one of the leading credit card issuers in the U.S.

Bestcreditcardrates.com is not affiliated with the credit card issuer and does not guarantee the information or products available at these institutions or their web sites.  For current terms and conditions please review that section of the specific credit card offer.

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