Best Credit Card

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More of the Best Credit Card Offers for 2015

Posted on July 18th, 2012 | admin

Best Credit Card Offers for 2015

Some people simply want a straight forward no frills low interest credit card whereas others want an immediate cash back reward credit card, which is the reason we’ve feature an offer from Discover Card in the “Featured Credit Card Offers” section above because you can quickly start collecting cash back rewards on your card purchases when you apply today with your excellent credit rating.

While we recommend that you complete a credit card application that offers rewards whether they be cash back or travel rewards not everybody will quality for card offers that give you perks because your credit rating, if you are one of those millions of people with less than perfect credit you should apply for a credit card that’s designed to help improve your credit score, which we’ve featured in our top 10 credit cards for 2012 of recommended credit cards to apply for.

Best Credit Cards 2015

Here is our list of the best credit cards for 2012. Every credit card offer on the market has different features and benefits so to help you get the best credit card that we’ve put this top ten list together for you so you can easily pick the card application that works for you with your credit score.

Today’s MasterCard market has masses of different options for buyers to select from. How do purchasers know which one of those could be right for them? It is really important to do enough research to work out precisely what’s a decent fit for your private or business use. Here are a couple of the best visa cards on the marketplace for different people and firms today. Amex Clear Visa Card the Clear Card from Amex is among the top cards for folks with high volume wishes. Amex has taken an engaging approach with this new card in the sense that they have attempted to attenuate costs for card-owners.

This is a bizarre idea for card firms, as they customarily attempt to make their money on charges and such. The Clear card has eliminated late and over the limit charges and it offers an intensely cost-effective IR. If you would like to get this card, you ought to be fully prepared to have wonderful credit.

It is just offered to folks with a record beyond reproach. This is another demonstration showing how critical your credit history is.

They know that younger people are getting serious about reconstructing their credit in this present time, so they’re thrilled to give those youngsters an even chance to build expounded credit. With this card, the rate is high, but reasonable. They also provide a low starting rate and a low rate on balance transfers for the 1st half a year. These offers make this card a really good one for not only scholars, but also for those scholars that are looking to consolidate their debt in a reasonable way. Citi is often known as one of the banks that’s more loose about giving credit to folks with imperfect credit, too. This rewards card from Visa is nice for businessmen, due to all the fringe benefits that it offers. When talking about selecting a MasterCard, folks have to keep an eye open for their best interest as much as is possible. If you’re an individual with a home business and you do a great bit of traveling, then this card is what you’re looking for.

As an example, it can often help you save costs with your business. If you do lots of traveling, then hotels and airline flights can take a very large part of your position. When you get this card from Visa, you’ll be cutting this cost by using rewards. These 3 cards all offer something else for different wishes and they have risen to the pinnacle of the card industry. Though there are lots of other offers out there on the market, these are 3 of those you have got to take a long, hard look at. If you qualify, these cards will help you financially.

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Best Cash Back Credit Card Offer

Posted on July 6th, 2012 | admin

Best Cash Back Credit Card Offer

Because there is no better reward than cash in your wallet, most people find the best credit card offers are those that offer cash back incentives. The reason cash back credit cards are one of the most popular rewards choice by consumers is you get to use the cash rewards for whatever you want, you can use your cash rewards to pay down your credit card balance, buy groceries or use the cash rewards for entertainment and travel, the choice is yours!

The best reward a credit card can offer for most people is receiving cash, after all you can use cash rewards for anything you want to buy so our top pick in the category of a cash back credit card is the Discover IT®  card Up to 20% Cashback Bonus at popular retailers when you shop online through, check this offer out if you’ve got excellent credit.

Best Cash Back Credit Card

Discover  It® Card

Here’s what the Discover It® Card is offering as reward perks to put more cash in your wallet:

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won’t raise your APR.*
  • Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. A fee of 3% applies for each balance transferred.
  • *Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other information.
*Click Apply to view rates, fees, rewards, limitations and other important information
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Discover Credit Card Requirements

Posted on October 18th, 2011 | admin

Discover Credit Card Requirements

Discover Card

Discover currently offers four cash-back credit cards, the Discover More, Open Road, Motiva and Student cards. Each offers a range of different features to cater to individual tastes, but the Discover credit card requirements are broadly the same across the range.

Each card that Discover offers is available to only those over 18 years of age, and residents of the United States of America. During the application you will also need to offer information to prove your identification, this includes your full name, address, and social security number.

The Discover More and the Discover Motiva Cards are for those with a good to excellent rating and applicants will typically need to have a credit score of between 750 and 800, although a good application may get away with a slightly lower score than this. The Open Road and Student cards are suited for those with a lower credit score, and both these cards see the issuer accept applicants with a fair to good credit history. Usually a score of around 630 is sufficient enough to be accepted.

None of the Discover cards require definitive proof of income, although it is not part of the Discover credit card requirements you are still prompted to reveal your annual income during the application. Although a low income will not be the main reason for being declined it could make the decision easier on the issuer. For the more upmarket Discover Motiva and More cards, a traceable and at least average income is probably needed, although an excellent credit history is a far more important factor. Honesty is the best policy when declaring income and many are surprised to be awarded a credit card despite a low salary. Sometimes to protect themselves against clients with lower earnings, card issuers will set a small limit usually around $500 and allow the user to build their reputation.

The Discover More, Motiva, and Open Road cards all have a grace period of 25 days, but like with all credit cards the grace period is only applicable if the balance is paid in full. There are penalty fees for late payments and the return of payments; all cards here have the same penalty fee of up to $35. If you fail in paying at least the minimum by the deadline day you will be charged a penalty fee of $25. However if you have been charged for a late fee in any of the six days before the payments due date, the fee will be $35; this same rule is in effect for returned payments. One of the Discover credit card requirements is that you must pay your balance or fees in US Dollars.

The array of cash-back cards offered by Discover is among the easiest to understand in terms of deciphering what credit card requirements are in place. With many of the features and conditions being universal across the range.

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Citibank Credit Card Requirements

Posted on October 18th, 2011 | admin
Citi Card

Citibank offers a wide range of consumer credit cards, seventeen in all, each offering a variety of features to suit the needs of individuals. Throughout the range the Citibank credit card requirements are largely the same, but there are minor differences from some cards to others.

Here we will take a look at four of the more popular consumer cards offered by Citibank; the Platinum Select MasterCard, the Dividend World MasterCard, the Forward Card, and the Platinum Select Advantage Visa. Each of these cards come with similar sets of requirements, but the Citibank credit card requirements from card to card differ slightly.

There are some conditions that are at their minimum blanket requirements, these include.

  • Age restrictions and identification proof.
  • The age limit is set at 18 years or over
  • Applicants will need to provide a valid social security number.
  • Proof of name, address, and date of birth, as well as numerous other identification checks.
  • Proof of income.

That is a list of the basic set of application conditions that must be met for you to be considered for a Citibank credit card. The need for varying credit score results change from card to card, for example a better credit score would be required for the Platinum Select Advantage Visa than for the Forward card.

The Dividend World MasterCard comes with different Citibank credit card requirements. For example the age limit is raised from 18 to 21 years of age, while the card carries a minimum annual income of $30,000 ($60,000 for those outside theUSA). For the Dividend range you are also required to provide a passport, latest printed payslip and tax assessment. While all the other cards also demand fixed income the Dividend range has stricter conditions, while also being more stringent in its credit score outcomes. Each card here carries a universal penalty charge of up to $35.

There are other Citibank credit card requirements that are specific to individual cards, but many of the conditions and features are shared across the Citibank consumer card range with only small differences. The Platinum Select, Dividend World, and Forward cards all come with no annual fee while the Platinum Select Advantage carries an $85 charge which is waived for the first twelve months.

The Platinum Select range and Dividend require good to excellent credit ratings, while the Forward card asks for a fair to good credit score. The Platinum Select does not clarify for which rate you will qualify, and with a lower credit score you could be left with the 0% interest rate lasting only one year, making it a choice for only those who qualify for the very top rates.

The Forward Card offers a good option for those looking for a good rewards credit card and serves as a good student card. It offers 5x rewards in restaurants and comes with no annual fee.

There is a broad range of cards offered by Citibank and choosing the right one for you can sometimes rest on understanding the small nuances in the Citibank credit card requirements for each card.

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American Express Credit Card Requirements

Posted on October 18th, 2011 | admin
American Express Credit Card

American Express has become an iconic name on the back of their famous reward credit cards. However AMEX also offers a range of traditional credit cards and here we will be comparing the American Express credit card requirements of the classic Zync Card and the American Express Blue Cash Preferred card. As well as contrasting the Zync Card against the famous Gold and Platinum Cards.

Applying for any American Express card is fairly easy although to pass the criteria can be problematic; however the Zync Card is the most accessible of the company’s reward cards. Applications for all AMEX cards will ask you to provide basic information to determine if you qualify, the typical and universal information that is needed is:

  • Age. It is part of the American Express credit card requirements that all applicants must be 18 years of age or over.
  • All those who are inquiring about an American Express card will need to provide a social security number (Which will also serve to prove age)
  • Proof of address and zip code.
  • Declaration of income. American Express credit card requirements do not stipulate in the small print that there is a minimum income. Although how much you earn will reflect in the outcome of your application.
  • Some cards offered by American Express demand that the applicant is a resident of the United States.

The AMEX Zync Card does not ask for proof of earnings, although it does request your net income during the application process. While income is not the most important factor it can still play a part in being awarded the Zync Card or not, and those with a low income may find they have a lower limit (Usually $500). The main requirement in obtaining an American Express Zync Card like all of the company’s cards is an excellent credit score. The Zync Card is more accessible in this aspect than its gold and platinum cousins, but it is still advised to have a good credit score (Typically over 700).

The Zync Card is a charge card which means you pay the full outstanding balance each month, and with a low annual fee of $25 it is ideal for young adults and students. The Gold and Platinum cards carry higher annual fees and are typically awarded to those who have built a sterling credit history. These cards also carry hidden income expectations. The AMEX Zync Card acts as a stepping stone to the higher range of cards, and the application process is more lenient in helping you to fulfil the American Express credit card requirements.

The Blue Cash Card acts as a more traditional credit card as the full fee does not need to be paid each month while it also offers good cash back options. On top of the same identity verifications as the Zync Card, applicants will need to have outstanding credit histories, and high credit scores. It is advised to apply for this card after maintaining a good record on a lower scale card, allowing you to boost your credit rating.


Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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The Best Cash Back Credit Cards

Posted on September 30th, 2011 | admin

Getting Paid for Spending Money: Cash Back Rewards


Best Cash Back Credit Card

Credit cards have become an everyday part of our lives and our financial planning.  Sometimes we want the extra cash flow, sometimes it is for convenience and easy accounting at month’s end, and you can’t use cash to buy things online. Advertising for credit cards has come a long way too.  You can’t watch an hour of television without seeing a credit card commercial, and your favorite magazines are probably full of offers as well.

How do we choose which cards to apply for?  Catchy advertisements may help, but the primary selling tool in recent years is the assortment of rewards associated with using a particular card.  The big selling point years ago was in trying to qualify for higher and higher spending limits, all the way up to unlimited.  Now it is more about frequent flyer miles, low APR, and our favorite, cash back.

Cash back rewards are our favorite because of the simplicity.  With some cards, like Simply Cash from American Express, there’s no effort at all.  The reward amount is deducted from your next statement.  Other cards offer varying percentages of cash back on either a set slate of categories like airfares or hotel stays, and still others have a program that changes the percentages and the categories each quarter of the year.

Payment of rewards may vary according to threshold amounts and frequency (one cash back card associated with Costco pays off only once per year).  The biggest challenge is to identify which type of cash back rewards you prefer.

Most surveys are ranking the Chase Freedom Visa highly right now, with 5% off on up to $1500 spent with the rotating-categories model, and unlimited 1% cash back on everything else.  With solid initial rewards ($200 cash back after spending $500) and no annual fee, this is a crowd pleaser.

Also consider the Discover card.  This was the card that made cash back rewards popular in the first place, and they still hold a prime place in this industry.  The card is currently offering 5% cash back after you’ve spent $3000 (using a quarterly rotation of categories), plus 1% overall on other purchases, and 5 – 20% discounts when shopping online with preferred retailers.  With the amount of e-commerce that most Americans conduct everyday, this can really add up!

For small business owners, Simply Cash from American Express OPEN is a great card, offering 5% cash back rewards on things you have to buy anyway for your business, like wireless service and office supplies.  They offer 3% cash back on gasoline purchases, and there is no annual fee.  It is hard to find a better card for business use, and it carries the outstanding travel protection features that American Express cards have always been renowned for.  You can also save up to 10% with FedEx and Hertz.  Personal credit card users looking for similar advantages can check out Blue Cash Everyday from American Express, offering cash back on supermarket purchases, department store purchases, gasoline, and more.

Cash back rewards cards are here to stay. Which one will you carry?

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The Best Credit Cards for People with Excellent Credit

Posted on September 24th, 2011 | admin
Best Credit Cards

If you have excellent credit meaning 750 or higher than you should pat yourself on the back and apply for the best credit card you can get. The best credit card will have benefits like extended balance transfer periods, low introductory APR interest rates, and great bonuses and rewards. These bonuses can include cash back bonuses, reward programs and other benefits.

Blue Cash Everyday American Express Card

One very respected card available to individuals with excellent credit worthiness is the Blue Cash Everyday(SM)from American Express. The card comes with a 0% introductory APR for your purchases for the first year. The Cash Everyday part of the card means that you get cash back when you purchase items with your card. This includes 3% cash back when you use the card at the grocery store and 2% cashback when used at department stores and service stations. For everything else you get 1% cashback on purchases.

American Express Blue Cash

No limit on cash rewards

With this credit card there is no limit on the cash rewards program and no spending minimum to get your rewards. The program is very simple with no enrollment fees, and no rotating rewards categories.

Referral bonus

The American Express Cash Everyday card also pays out on referrals. For each person you refer to the Blue Cash Everyday card that signs up you get a bonus of $25.00. The card has no annual fee – something you should always look for when signing up for a new credit card.

American Express Premier Rewards Gold Card

American Express Premier Rewards Gold Card

Another option if you have great credit is the American Express Premier Rewards Gold Card. With this card you get great bonuses but you do have to pay off your balance in full every month.

Membership bonus points

In the first three months of use if you spend $500 you earn 10,000 Membership Rewards bonus points. These bonus points can earn you $100 gift cards. You also earn points with every purchase you make using the card. These points do not expire and there is no limit to the point program. The points can be used for traveling or dining or shopping. Also included with your holding this card is the American Express Global Assist Hotline in conjunction with the Roadside Assistance 24/7 program. Any cars rented with the card are covered by the company’s Car Rental Loss and Damage Insurance. This card does come with an annual fee of $125.

Visa Black Card

Visa Black Card

The Visa Black Card is another choice for consumers with great credit. The card is targeted and designed for individuals who spend more than $50,000 annually with their card. This card comes with a hefty $495 annual fee. If you qualify for this card the annual fee probably won’t be a problem.

24 hour concierge service

What you get for the fee is a 24 hour seven day a week concierge service with which you can get recommendations for restaurants, make reservations for restaurants, hotels, golf, and travel assistance, specialty research and shopping. Basically, you have a concierge at your beck and call 24 seven. You also qualify for what they refer to as luxury gifts. Only one percent of the population of the United States qualifies for this card according to Visa. There is a 1% cashback program and a points program that can be used for travel. You also get access to airport VIP lounges with a Priority Pass.

Note: details of these credit card programs may change from the information printed here.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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