Rates Current as of Friday March 12, 2010

Rewards Credit Cards

Credit cards rewards. Credit card deals.

Discover® More® Card

0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

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Discover® More® Card - American Flag

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

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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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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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UltraVX Visa®

UltraVX makes it easy to manage your finances
Automatic minimum payments
Reports to all 3 major credit bureaus
No credit check, no bank account required
Instant online approval
Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
* Subject to terms and conditions.

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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®.

APPLY NOW

Discover® More® Card - Monogram

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

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Facecard prepaid MasterCard®

Instant Guaranteed Approval* - no credit check, no security deposit
Free Direct Deposit - easy access to your funds
Free Online Bill pay - no more mailing costly money orders.
Free Money Transfers to other Facecard members - no more spending money on wire transfers.
Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
Receive Prewards, which are like coupons, put directly on your card.

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Facecard prepaid MasterCard® for College Students

A safe alternative to credit card debt.
Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
Instant and convenient access to funds and allowances.
Have funds deposited directly onto your card-easier access to your paycheck.
Safe and easy way to have funds when studying and travelling abroad.
Receive Prewards, which are like coupons, put directly on your card.

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Biodegradable Discover® More® Card

Help protect the planet with the new biodegradable Discover Card
Card plastic breaks down 99% within five years in landfill conditions
0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

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Chase Sapphire(SM)

Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
Redeem points for travel, gift cards, merchandise, cash back and more
2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
Points never expire and there are no limits on how many points you can earn
24/7 Dedicated service advisors (No voice recording)
Premier travel and purchase protection benefits
All of this for no annual fee!

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Discover® More®Card – Shamrock

0% APR on Purchases for a FULL 9 months
0% APR on Balance Transfers for a FULL 12 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

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Discover® More®Card - $50 Cashback Bonus®

0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
Get $50 Cashback Bonus after your first $599 in purchases
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

APPLY NOW

Discover® More® Card – Monogram

0% APR on Balance Transfer for a FULL 12 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

APPLY NOW

Credit Card Tips

Credit card introductory offers

Watch out for introductory offers! When you receive credit card offers in the mail with a low credit card interest rate, it may expire in three or six months. Note when and by how much the credit card interest rate increases after the introductory offer expires. You may not remember when it expires, but the

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

Credit cards as assets

Though we often focus on what to watch for or weary of credit cards, credit card services that are managed properly provide a great deal of benefits. The right credit cards offer a number of distinctive advantages. Credit cards reduce your need to carry cash or checks. Credit card availability helps provide security in emergencies

Make your credit card payment on time

Make your credit card payments on time! When you pay on time you are building good credit. Make sure you know precisely when the payment is due and how long it takes for your payment to process. If it’s due on the 15th of the month make sure you mail your check at least a

Pay your credit card online

When you had a temporary oversight on your monthly credit card payment, you can always take advantage of the services of the credit card online or payment over the phone options. If the credit card company wants to charge for this feature make sure you explain your position and ask them to waive the charge.

Credit Card FAQs

I haven’t made any big purchases and I’ve been paying my credit card payment on time but my credit score is suddenly really low. What happened?

There are a number of possibilities here. There may be errors on your credit reports. Human beings are after all, the ones entering all that data all day long. Mistakes can and do happen. It’s also possible that your credit report was pulled repeatedly. That can really lower your score too. Beware of credit card

I bought a television recently and the darn thing’s no good. I brought it back to the store but refused to do anything about it. Is there anything I can do regarding the credit card services?

If you bought the television with your credit card and the purchase was paid less than 60 days ago and if you have not paid your bill for the television, you may be able to withhold payment and ask your credit card company to look into the matter. Make sure you document all your contact

My credit card has a grace period but I was still charged interest on my new purchase from day 1, why?

The grace period for credit cards can vary from the different issuers. Generally, no credit card interest is charged if you started with a zero balance and the bill in full within the grace period. Most issuers will charge you interest from the day the purchase posts to the credit card company if you have

Where do I get a secured credit card?

Our site provides information on several credit card companies that provide easy to obtain secured credit cards. The credit card application is a safe and secure process. The appication can be completed for the credit card online. With most providers you will be asked to deposit an amount of money as security for your card

What’s the best way to establish a credit history if I have no credit history now.

Three steps will start you down the right path. The first is to have or open a bank account. Most any application for credit and credit cards will ask for this information. The second is to obtain a new credit card. Review the credit card offers and look for the best credit card that meets

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.

Processing Date

The credit card processing date is the day in which the credit card transaction is processed by the issuing financial institution or the bank credit card. If a separate credit card processor is used it is the date when the acquiring bank processes the credit card transaction.

Rewards Credit Cards

A credit card service in which the credit card companies offers an incentive or reward for its use. A credit card reward program allows the account holder to accumulate reward points based on purchases or transactions made with the credit card. Many different credit card reward plans have been created to meet demand and encourage

Merchant

In general terms this is the location or store where credit card purchases are made. More specifically, the merchant is a retailer, service provider or any other entity, pursuant to the credit card merchant agreement, that agrees to accept bank credit cards, debit cards, or both, when properly presented. A merchant is the entity that

Electronic Authorization

Authorization for credit card use obtained through electronic means or electronic communication. The credit card authorization is a code that a credit card processing bank returns in an electronic message to the merchant’s point of sale equipment that indicates approval of the credit card transaction. An authorization is obtained and required for every credit card merchant sale. The code

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Credit Card Articles

Getting the Most from Credit Card Rewards

Rewards credit cards are credit cards through which a person can earn bonuses each time their credit card is used. For example, they might get cash back or points that can be redeemed to purchase merchandise. Often these rewards can be paid out frequently or they can acquire at the end of the year. Reward

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

Disputing Charges on Your Credit Card

There are many possible reasons why you might want to dispute the charges to your credit card or credit cards. The good news is that there is something called the Fair Credit Billing Act (FCBA), that’s the federal law protecting the rights of consumers in these matters. If you are feeling very motivated and really

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.

Credit Card APRs

The APR or annual percentage rate on your credit card can be a scary thing to consider. It appears as a bold number and seems simple to understand, but it is anything but simple. The APR is the interest rate charged for any credit that is extended to you on your credit card expressed as a

The Ultimate Guide to Credit Card Balance Transfers

The most common way a credit card is used is through the card itself. Each time it gets swiped, the available credit is reduced and a person is expected to pay a monthly payment based on the amount of credit used. However, credit cards can also be used to receive cash or a balance transfer.

Finding the Right Credit Card

Credit Card Basics: Finding the Right Card When you are looking for a credit card it’s best to think before you sign on the dotted line of the credit card application. Credit card applications, there are only about a zillion cards to choose from, each with various pros and cons, so it really pays to do

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.

All About Credit Card Rewards

Before the concept of credit cards rewards came about, consumers did not receive anything extra other than interest charges, late fees and annual fees when using their credit cards. Reward credit cards with cash back bonuses and point systems are now a standard feature in the credit card industry. The AT&T Universal Card and the

The Ultimate Guide to Airline Credit Card Rewards

Before airline rewards credit cards were constructed, people had to earn frequent flyer miles through how much air travel they had. After airline rewards credit cards, people could accumulate frequent flyer miles without stepping foot on an airplane. Now what has happened is every time a purchase is made with the various types of airline

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