Rates Current as of Thursday September 09, 2010

Secured Credit Cards

Build your credit history with a secured credit card.

Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

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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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Escape by Discover® Card

25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
2 Miles per $1 on all purchases
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
Industry Leading Customer Service
Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance

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Discover® More Card- Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 9 months, then the Regular APR
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

APPLY NOW

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

APPLY NOW

Credit Card Tips

Secured credit card fees

On a secured credit card the amount that you must deposit varies from bank credit card to card. Most credit cards range from $250 to $500, and that will normally be your credit card debt limit. Even with secured credit cards there will be fees for overspending your deposit. There will also be fees and

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

Credit Card Review Citi Gold AAdvantage World MasterCard

The Citi Gold Advantage World MasterCard is categorized as an airline rewards credit card. This rewards credit card is especially geared towards the frequent flyer who uses American Airlines. The bank credit card allows the American Airlines AAdvantage® frequent flyer to earn reward points to accumulate frequent flyer miles rapidly. The Citi Gold AAdvantage Card is

Credit Card Review of Chase +1SM Student MasterCard

The Chase +1 Student MasterCard is one of the more unique student credit cards marketed by Chase credit cards. This credit card offers a distinctive rewards program and has some of the best credit card rates in the student credit card category. The credit card reward points earned on this credit card are called Karma Points.

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

Credit Card FAQs

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

What is a secured credit card?

Though it may sound a little funny at first, a secured card is really a very straightforward product. Secured credit cards require collateral for approval. With secured credit cards, a security deposit is needed to secure the credit card. The amount of the security deposit usually equals the credit limit for that particular credit card.

Chase United Mileage Plus Visa Credit Card

The Chase United Mileage Plus Visa Signature credit card is an airlines rewards credit card issued by Chase Bank. The United Mileage Plus Signature Visa Card is geared towards credit card holders who travel frequently with United Airlines and have a good to excellent credit history. This credit card helps customers earn frequent flyer miles with

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

If I fill out multiple credit card applications will it have a negative impact on my credit rating?

The most widely used credit scoring model is the FICO score by the Fair Isaac Corporation. The position they take on a new credit card is that looking for new credit can be equated to higher risk but that should this risk factor impact your score it probably wouldn’t be by very much. According to

Credit Card Glossary

Terms and Conditions

Terms and conditions is the common name for the credit card document in which credit card companies describe in detail the credit card agreement and the credit card company practices. This will be the rules and regulations being agreed to when the credit card applicant becomes a new credit card holder. After a consumer fills

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

Cash Advance Fee

The credit card cash advance fee is a fee charged by a credit card company whenever a cardholder borrows cash using the credit card. Cash advances are one of many credit card services that credit card companies often promote so that card holders can get access to cash up to a certain limit. The cash

Payment Options

Every month a credit card holder is required to pay money towards a portion of the outstanding credit card balance which is considered your monthly payment. With many credit cards, the credit card account holder has a choice between paying some or all of the total credit card debt. A full payment is when the

Automatic Payments

Credit card automatic payments are credit card payment that are established and authorized as regular withdrawals to be made from a checking or other deposit account to pay the credit card amount due. This is a method of making regular predetermined payments on the credit card accounts by transferring funds from the checking or savings

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Credit Card Articles

Small Business Credit Cards

During the infancy of credit card development and expansion, credit card companies pretty much ignored the small business market. It was thought that since small businesses have a high probability of failing, it was not worth investing in them. Then credit card companies woke up and realized they were missing out on niche market that

Before You Get a New Credit Card

There are number of questions that consumers should answer before applying or accepting a new credit card. By answering these questions, a credit card applicant can become confident that they are obtaining the best credit card to suit their needs. The most fundamental question to ask before moving on with a new credit card is what

Credit Cards 101

Before you go taking the plunge into the world of credit cards, you should get a little education. Think of this as credit cards 101. Learn what these terms means and you will be able to unravel the mysterious world of credit card lingo and go a long way to keeping yourself out of credit

Comparing and Using Gas Credit Cards

Gas station charge cards have revolutionized into more than just charge cards for a specific gas station or brand. Gas credit cards are now more commonly marketed as major bank credit cards that offer credit card rewards, rebates and additional incentives. The retail specific gas credit cards offered by major gasoline retailers are still on the

Credit Card Offers and Credit Card Shopping

Credit card companies frequently use all varieties of attractive offers to acquire new customers. Low teaser rates are a common marketing tool used by the credit card companies to obtain new credit card customers. Low credit card rates, credit card rewards programs and credit card balance transfer offers and preapproved direct mail solicitations are some

Comparison Shop for Credit Cards

It’s easy to find someone who wants to give you a credit card, but you have to be smart to get a good one. Credit companies and credit card offers crop like weeds. Choosing the best credit card requires smarts. Let’s get smart. Always take a look at the Schumer box. What’s that? By federal law

Choosing the Right Credit Card Processor

Choosing a financial institution to handle credit card processing should be similar to choosing any financial institution a business elects to conduct business with. Shopping and comparing the terms of credit card processing companies is not only a necessary part of a business’s plan to accept credit cards but may very well be an overlooked

Credit Cards Asking For A Lower Rate

Do you suffer from chronic shyness? Do you often feel invisible or inconsequential? Do you feel a need to be more assertive at work or at home? With a boss, an employee, a spouse, a friend, or a child? Try a new path to bravado by starting with your credit card company. Call them up and ask

The Scoop on Student Credit Cards

It is never too early to start thinking about a child’s financial future. Before a child is 16, parents can instill financial responsibility through an allowance system. After 16, parents are often encouraged to urge their teen to get a part-time job along with opening a checking account. But things shouldn’t end there because nowadays

Credit Cards and Budgeting

Credit cards offer conveniences that are hard to pass up are in fact, hard to do without. But good credit card use that capitalizes on the credit card conveniences such as easy payment on online transactions and the benefits of credit card services such as credit card rewards programs requires good budgeting skills. Good budgeting

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