The retail specific gas credit cards offered by major gasoline retailers are still on the market and widely held.  Most of these credit cards are issued now as prepaid credit cards.  Shell and BP are two examples of companies who offer gas prepaid cards for consumers and also offer branded credit cards associated with a bank.

The days of obtaining a gas credit card that is just used for gas are slowly fading away.  Most gas station credit cards are issued as either a bank Visa credit card or a bank MasterCard.  With Visa or MasterCard network association; these credit cards can be used to purchase a variety of goods and services, goods and services that could be purchased with any standard bank credit card.

In addition to being able to purchase a wider variety of products and services, gas station credit cards also offer a variety of rewards.  From discounts on gas purchases to reward points and cash back, gas station credit cards have become very competitive products in the credit card marketplace.

The credit card rewards certainly add appeal to theses cards especially for those credit card holders that frequent a particular gas station.

Gas credit cards come with a wide range of credit card rates and a wide range of credit card rewards.  These credit cards can carry higher interest rates than a standard credit card which makes shopping and comparing the available gas credit card offers critical in order to receive the best gas credit card to match your needs.

An example of some of the current credit card rewards or rebates that are available on gas credit cards can be found with the Shell Platinum MasterCard and the BP Visa credit card.

With the Shell Platinum MasterCard, credit card holders can earn up to 5% worth of rebates on Shell gasoline purchases and earn an additional 1% rebates on all other purchases made with the credit card.  With the BP Visa credit card, card holders also earn a 5% rebate on all purchase transaction at BP as well as a 2% rebate on certain travel and dining transactions and a 1% rebate on other purchase transactions.
 
Specific credit card information and details is accurate as of this publication date but is not guaranteed.  Read the current term and conditions of any credit card offer before filling out the credit card application. 

Choosing the best gas credit card is made easier by quickly and easily reviewing multiple credit card offers in one location.  See the wide array of credit card offers at Bestcreditcardrates.com before choosing your next card.

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The PenFed Promise credit card is a straight up low rate credit card.  The credit card rate is a variable rate that is currently at 9.99%.  The credit card rate is a variable rate based on the Prime Rate plus a margin. 

The credit card also has a low introductory credit card rate of 7.49% APR which is an introductory purchase APR that lasts for the first 36 months.  The introductory credit card rate also applies to credit card balance transfers at the 7.49% promotional APR for 36 months.

The credit card not only has no annual fee but has no credit card balance transfer fee, no late payment fee on monthly credit card payments, no over credit card limit fee and no credit card cash advance fee.

The PenFed credit card has a 25 day grace period in which the monthly payment due date is at least 25 days after the close of each billing cycle.  Credit card holders are not charged interest on purchases if they pay the entire credit card balance by the due date each month.

Pen Fed Promise Visa credit card holders are required to subscribe to the e-statement service that is provided for all credit card accounts with PenFed.

The PenFed credit card is issued by Pentagon Federal Credit Union, a federally chartered credit union.  PenFed serves members in the Air Force, Army, Coast Guard, Department of Homeland Security, Department of Defense, defense-related companies, and the Veterans of Foreign Wars.

This card has easy to understand features.  The card comes with no credit card rewards program or additional perks and benefits other than those that come with the Visa credit card network.  The low rate credit card has no gimmicks and keeps the costs of the credit card at one of the lowest available in the credit card market.

All credit card information is current as of this publication date but is subject to change by the credit card issuer.  See the credit card agreement for current details on the credit card rates and terms. 

Bestcreditcardrates.com provides the information on the PenFed Promise credit card as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate.

For information on PenFed certificate of deposit please visit our affiliate publication, www.selectcdrates.com under the heading Credit Union CD rates.

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The credit card rewards program that comes with the Barnes & Noble MasterCard includes a 5% credit that is posted to the credit card account for all purchases made at Barnes & Noble store and online with the exception of any discounted Barnes & Noble Gift Cards. 

Credit card holders can earn one reward point for every $1.00 made for any qualifying purchases.  Once the amount of rewards points reach 2,500 the account holder will automatically receive a $25.00 Barnes & Noble Gift Card.

As a bonus for new credit card accounts, new card holders receive a $25.00 Barnes & Noble Gift Card after making their first purchase.

The credit card is branded as a MasterCard and the credit card can be used anywhere MasterCard is accepted.

The credit card has a zero percent introductory credit card rate for balance transfers that is good for the first six billing cycles.  The standard credit card rate is a variable rate that may be as low as 13.74% currently or may be 17.74% or 21.74% depending on the credit profile of the card applicant.  The credit card rate is based on the Prime Rate plus a margin.

The credit card has no annual fee.

The credit card grace period is 23 days after the close of the billing cycle.  There are no interest charges applied to the account if the account holder pays off the entire balance by the due date each month.

Bestcreditcardrates.com provides the information on the Barnes & Noble MasterCard as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate. 

Reasonable efforts are made to maintain accurate information regarding the credit card offer, however all credit card information is presented without guarantee.  Please see the credit card application for details about the current terms and conditions.

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This is a good, multipurpose credit card that has no annual fee and a credit card rate that is currently available at 10.24% to 20.24%.  There are no gimmicks with this credit card, a simple low rate with some rewards and no annual fee.

The bank credit card comes with a zero percent introductory credit card rate for a period of six months on purchases and credit card balance transfers.

After the introductory credit card rate period ends, the credit card rate will be between 10.24% to 20.24% depending on the creditworthiness of the credit card applicant.  The credit card APR is a variable rate and will vary with the market based on the Prime Rate.

The Commerce Bank credit card offers rewards to account holders that also have a qualifying Commerce Bank checking account.   Card holders with the checking account are able to receive complimentary rewards program benefits.  Credit card reward points that are earned can be redeemed for credit card cash back, retail merchandise, gift cards, air travel and more.

The credit card is issued by Commerce Bank which is a regional bank headquartered in Missouri.  Commerce Bank operates bank locations in Missouri, Kansas, Illinois, Oklahoma and Colorado and is one of the 100 largest banks in the U.S.

The bank Visa card also includes an assortment of other free features and services.  Additional credit card features include no additional cost for 100% fraud liability protection on unauthorized transactions, travel and emergency roadside assistance, free convenience checks and more.

The credit card review is believed to be accurate as of this publication date but is subject to change at any time by the credit card issuer.  All credit card information is presented without guarantee.  Before applying for a new credit card read the current credit card terms and conditions. 

Bestcreditcardrates.com provides the information on the Commerce Bank credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.

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This credit card is issued by AmTrust Bank which is now a division of New York Community Bank, one of the largest savings banks in the U.S.

The AmTrust Bank Accelerated Rewards credit card is a no annual fee credit card.

The credit card comes with an introductory credit card rate at zero percent for purchases and credit card balance transfers that will last for either seven months or ten months depending on the credit profile of the applicant.  After the introductory credit card rate period expires the standard credit card rate for purchase transactions is between 12.99% and 20.99% depending on the credit evaluation if the applicant.

The credit card rewards program is a point based rewards system in which the card holder will earn 1.25 points for every $1.00 spent on net retail purchases.

There is no limit on the amount of reward points that the card holder can earn.  Credit card reward points will expire after a period of 5 years.

The credit card rewards program is a flexible program.  Credit card holders can select from travel or cash rewards, merchandise or other services.  Credit card points can be redeemed for a number of different options including; credit card cash back, air travel on any major U.S. airline with no blackout dates, gift certificates, retail merchandise or hotel and car rental reservations.

Additional features found with the AmTrust Bank Accelerated Rewards credit card include; zero liability fraud protection against unauthorized use and charges, online customer service and 24-hour telephone customer service access to 24 hour concierge service.

Accelerated Rewards account holders can obtain special offers for travel, dining, and shopping as well as an optional dining and hotel savings program.  The bank credit card holders can also view credit card account activity, pay their bills or download statements online. 

The credit card review is believed to be accurate as of this publication date but is subject to change at any time by the credit card issuer.  All credit card information is presented without guarantee.  Before applying for a new credit card read the current credit card terms and conditions. 

Bestcreditcardrates.com provides the information on the AmTrust Bank Accelerated Rewards® American Express® Card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate.

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The credit card rate for the EverBank Visa Platinum Card for purchases is on a variable rate and may be as low as 9.90%.  As with most all variable credit card rates, the EverBank Visa credit card variable rate is based on the Prime Rate plus a margin.  A margin of 1.90% is added to the Prime Rate for purchase transactions with a minimum credit card rate of 9.90%.

A margin of 10.90% is added to the Prime Rate Index for credit card cash advances and
12.90% is added to the Prime Rate Index for credit card purchases and cash advances if the credit card holder is in default.

The EverBank credit card rewards program is an optional rewards program, the credit card holder is not automatically enrolled in the rewards program.  The rewards program enables the credit card holders that participate in the program to earn points that may be redeemed for various rewards options.

There is a $49 annual fee or Enhancement Fee to participate in the rewards program.  Bank credit card holders that take part in the rewards program can earn one point for every $1.00 spent on eligible net purchases with the credit card.

Point redemption levels may be found on an online catalog that is part of the rewards program.  Reward options include merchandise, gift certificates and travel options.

The number of credit card rewards points that the account holder can earn in a calendar year is unlimited.  But, the reward points will expire at the end of the third year in which they were posted to the card holder’s account.

Other benefits that come with the EverBank credit card include: auto rental insurance coverage, travel accident insurance for air travel tickets and travel and emergency assistance.

The bank credit card offer is available for EverBank customers which means new credit card applicants must have a deposit account with EverBank.

There is no annual fee with this credit card offer.

A new credit card application can be obtained and completed online securely and quickly.

Bestcreditcardrates.com makes every attempt to provide content regarding the credit card offers that is up to date; however the terms of the credit card offer can not be guaranteed.  To view the most current rates and fees please see the current terms and conditions from the credit card issuer.

Bestcreditcardrates.com provides the information on the EverBank credit card as well as other credit card reviews and resources to help consumers choose the best credit card with the best credit card rate to fit their needs.

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With this Bank of America business credit card, new credit card holders can earn 10,000 bonus Asiana Club miles after their first purchase and earn additional miles after each net purchase made with the credit card.

The credit card promotes a 0% introductory credit card rate on purchases for the first nine months.  After the introductory credit card rate period, the credit card rate is currently at 13.24% on a variable rate.  The variable credit card rate is established based on the Prime Rate plus a margin of 9.99%.

Along with the 10,000 bonus miles that can be earned by new credit card holders the Bank of America business credit card holders can earn 1 mile for every $1.00 in purchases, 2 miles for every $1.00 spent on Asiana Airlines tickets and 2 miles for every $1.00 spent at participating grocery stores.

Card holders can also obtain an automatic $100.00 rebate on qualifying Asiana Airlines ticket purchases up to twice per year.

The Asiana Visa Business Card from Bank of America does have an $80.00 annual fee.

As with most business credit cards, the Bank of America Asiana Visa Business credit card requires the owner or authorized officer of the business to apply for the credit card.

The credit card can be used anywhere Visa credit cards and business cards are accepted, including retailers, online transactions, ATMs, financial institutions, and more.

The value of this credit card will really be determined by evaluating how frequently the card holder travels with Asiana Airlines, as well as how frequently the card holder makes credit card purchases.

The information provided on the Bank of America credit card is believed to be accurate at the time of this publication but is not guaranteed.  Review the terms and conditions of the credit card from the issuer before applying for a new credit card.

Bestcreditcardrates.com provides information on credit card offers, planning tools and resources to help consumers select the best credit card with the best credit card rate. 

For more information on other Bank of America products and services visit Bank America CD rates or Bank of America mortgage rates.

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The First Command Bank Classic Visa credit card comes with a fixed rate with no annual fee.  This credit card rate is not an introductory rate or promotional rate that increases at a later period.  The current credit card rate for the First Command Bank Classic Visa credit card is 10.25% fixed.

Along with no annual fee, the Visa credit card has no over credit limit fee, no balance transfer fee or an online account access fee.  There will be charges or fees for any returned payments, late monthly credit card payments and credit card cash advances.

The minimum credit limit is a low $200.00.  The bank will inform the cardholder of the credit limit upon approval and from time to time may adjust the maximum credit card limit that may be outstanding in the account at any time.

The credit card also allows card holders to earn rewards points you can earn points through the Free ScoreCard rewards program with card use.  This is a free credit card rewards program that earns points that can be redeemed for travel and merchandise.

The credit card has a 25 day grace period on purchase transactions.  The payment due date for card holders on the First Command Bank Classic Visa is at least 25 days after the close of each billing cycle.  During the 25 day grace period these is no interest charges on purchases if the entire credit card balance is paid by the payment due date.  Interest charges due accrue immediately on credit card cash advances.  

The default credit card APR is 18%.  The default APR may be applied to credit card account holder’s full balance has become due and payable and the cardholder has been notified of the APR increase.

The Visa credit card also has some of the standard features such as; travel and emergency assistance, vehicle rental insurance, warranty service, emergency cash disbursement and credit card replacement and a zero fraud liability program.

Bestcreditcardrates.com provides comprehensive credit card rate information on a variety of credit cards including the First Command Bank Classic Visa credit card as well as other tools and resources to help consumers select the best credit card with the best credit card rate. 

A new credit card from First Command Bank can be obtained by contacting First Command Bank customer service representatives at 1-888-763-7600.

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A common problem for consumers that are trying to manage or reduce their credit card debt is the simple lack of understanding regarding the credit cards and credit card debt they own.  The first step to tackle the task of reducing credit card debt or to even select the best credit card to use is to dig out the most recent statements for all credit card bills and determine exactly how much is owed and what the interest rates are on each of the credit card statements.

The information regarding the current credit card balance should be easy to find as should the credit card rates and terms.  If any of the data is difficult to ascertain, call the credit card company and get that information and while you are speaking to the customer service representative request a rate reduction or ask if there is anything else they can do to help you.  The credit card company is a service provider, make your service provider do their job – don’t be intimidated about asking for a lower rate or better terms.

The next step to maximize your returns is to switch to the best credit cards available with the best credit card rates in order to reduce the monthly interest charges.  A number of credit card companies continue to offer zero percent balance transfer rates for six months or longer.  For a credit card holder paying 19.9% on a total credit card balance of $6,500.00 the savings in interest charges per month will be slightly over $107.00.  That means over $100.00 extra dollars per month can be paid towards debt reduction during the zero interest rate period. 

Now it’s time to avoid new charges that are not paid off monthly.  There is nothing wrong with using a credit card for the many benefits that they offer such as payment and purchase protection, credit card rewards offers, security and more as long you don’t accumulate more debt.  The key is to retire the new charges as soon as they come in.  Unfortunately, too many consumers are not aware of their expenditures an engage in far too much conspicuous consumption simply because the credit card is available.  If you don’t actually have the money, don’t spend it.  The key is to break the habit of using credit cards without a connection to the real cost of what you are buying.

To avoid less obvious unwanted usage, go to any online accounts or other bills that have recurring charges to a credit card and delete the credit card numbers to avoid unneeded expenses.

To get started on reducing existing credit card debt, one the best methods is to make the minimum payment on each credit card balance, then make an extra payment each month on whichever debt has the highest outstanding credit card interest rate and reduce that balance until it is gone and move on to the next highest interest rate until all debts are paid off.

Stick to a plan of using the cheapest credit available with the best credit card rates, avoid new debt and reduce costly debt to free up more cash flow and enjoy life without the burden of worry over excessive interest charges.

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Since this credit card is marketed to college students, in order to qualify for a Wells Fargo College Credit Card the applicant must be at the age of majority in the state they reside in, be able to show proof of enrollment in an accredited college, university or trade school, and meet other credit qualifications established by the credit card company.

The introductory credit card rate is between 7.90% to 13.90% for the first 6 months.  The introductory credit card rate is determined based on the credit profile of the applicant.  The introductory credit card rate applies to purchases and balance transfers.

After the introductory credit card rate period, the credit card APR will be 14.15% to 21.15% as a variable rate, again based on the credit profile of the credit card applicant.

The credit card rate is an adjustable or variable rate card based on the prime rate plus a margin.  The margin for purchases and balance transfers will be 10.90% to 17.90%, based on the credit profile of the credit card applicant.

The credit card cash back rewards feature allows card holders the ability to earn 1% cash back on all credit card purchases.  There is no limit to the amount of credit card rewards that can be earned.  The cash back rewards can be applied as a statement credit or sent as a check or even automatically deposited into a savings or checking account.

Other features included with the Wells Fargo Cash Back College Card include free email alerts for credit limit notices, payment due dates, and more.  Free online account access to review transactions, transfer funds and more.

This Wells Fargo credit card has no annual fee.

All credit card information is deemed to be reliable and timely but is presented without guarantee.  Credit card offers are subject current terms and conditions of the credit card issuer.  See the credit card agreement for details on the rewards programs as well as more information on credit card rates and terms. 

Bestcreditcardrates.com provides the information on the Wells Fargo credit card as well as other credit card reviews and resources to help consumers select the best credit card with the best credit card rate. 

A new credit card from Wells Fargo can be obtained by filling out an online credit card application, calling Wells Fargo or visiting a Wells Fargo location.

For information on Wells Fargo certificate of deposit please visit our affiliate publication, www.selectcdrates.com under the heading Wells Fargo CD rates.  Wells Fargo mortgage rates can be reviewed at www.findlocalmortgagerates.com.

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