Visa Cash Back Credit CardsPosted on May 30th, 2011 | admin
Visa Cash Back Credit Cards
When you use your card to make a purchase at any credit card terminal in a store the owners of the business have to pay a small percentage of the sale to their bank or merchant services provider as a commission. You never notice this because it’s an invisible part of the process that most people don’t even realize happens.
As a benefit of owning a credit card some banks split some of this commission with their customers and pay it back to them in various forms of rewards and one of these is in the form of what’s called cash back. What this means for you, as a card owner, is that you get up to 5% of your annual spend on your credit card as a cash rebate once per year. 5% is the higher end of the cash back rebate though – you can normally expect this to be in the 1% – 2% range.
On top of this you usually only qualify for the cash back rebate when you pay your credit card balance in full each month – although this does vary from one card provider to the next. Another potential pitfall is that if you use some cash back credit cards to withdraw cash from an ATM you can incur heavy interest charges and lose out on your cash rewards.
So if you’re not able to pay your card off in full each month or frequently use your credit card for ATM cash withdrawals then you may need to think twice. If, however, you can and do use your credit card to pay for your gas and groceries and other such weekly and monthly expenses then a cash back card might be ideal for you.
So let’s have a look at some of the best cash back credit cards available right now.
The Best Visa Cash Back Credit Card featuring Miles Application with No Annual Fees
Simmons First Visa® Platinum Rewards
Chase Freedom Visa
With this card you get up to 5% cash back if you spend $1,500 in specific categories each quarter. You can also earn up to $150 in cash back if you spend $500 with your Chase Freedom Visa card within the first 3 months – a very nice introductory bonus. Every quarter you’ll also receive new categories that qualify for the 5% bonus and these are things you’ll enjoying building points with like dining or even home decorating. Not only that but there are also hand picked online vendors where you can earn up to 10% cash back with your new Visa card!
Outside of the higher reward limit you also earn 1% on everything else you buy with no limit on how many reward points you can build up.
There is no annual fee for this card and the APR can be as low as 11.99%
Bank Americard Power Rewards Visa Signature Card
The first perk you get with this Visa cash back card is that if you spend up too $100 on retail purchases within the first 60 days you’ll get a $50 credit back to your account as a “cash” reward. The cash reward system for this card means that you get 3 points for every $1 you spend on either groceries, gas or goods in drug stores for the first 6 months. After that period has passed you then get 1 point for every $1 spent for all other purchases. You can then redeem these points for cash once you earn the required 2,500 points and there’s no limit to how many points you can earn.
The APR on this card varies between 12.99% and 20.99% and there’s no annual fee attached to the card.
To qualify for either of the above cards you need to have an excellent credit history and a FICO score of around the 750 mark. If you’ve experienced bankruptcy, you currently have delinquent debts or have a poor credit history this can affect your application.
No Credit Visa CardPosted on May 20th, 2011 | admin
Want a Visa card but got no credit, Visa card applications are available for people with no credit however every credit card offer is different for people with no credit depending on your life situation, for example, you might have looked for a no credit Visa card application because your are a college student that needs a credit card and if that’s the case financial institutions are willing to issue you an unsecured line of credit.
Whereas if you’ve not a college student and been in the workforce for a while but never had a credit card or other loan you can still apply for a decent credit card offer provided you’ve paid all your bills on time.
If you think you have no credit you could be pleasantly surprised that by paying all your utility bills and rent on time you might actually have a good credit standing so let’s now take a look at the best no credit Visa card offers on the market today for students and for people that have had no previous financial institution loans, credit cards or lines of credit
Best No Credit Visa Card Offer
Provided you’ve paid utility bills, including but not limited to your cell phone, rent, electricity. Basically if you have any bills and you’ve kept up on your payments then you’ll likely be surprised to find out that you actually don’t need to be concerned about finding a no credit Visa Card offer because you’ve likely got good credit already established.
If that’s the case then the best Visa credit card offer you should apply for is the Orchard Bank Visa card because they will work with you to get you approved on your credit card application.
Orchard Bank Visa Cards
As I’ve already mentioned if you think you don’t have an established credit history you probably already do and the best Visa card offer for people in your situation is the Orchard Bank Visa card offers
Here are the details about the Orchard Bank Visa Card offers:
If your personal financial situation is different and you need a no credit Visa card for the sake of convenience of being able to shop online, book flights, rental cars or whatever other reasons you’ve got for wanting to get a Visa Card without the hassles of rotating credit card debt then make sure you read more about applying for a prepaid credit card offer. A prepaid credit card will give you the same convenience as a regular credit card without being bullied into pay high credit card interest rates
Apply for Visa Credit Card with Bad CreditPosted on May 19th, 2011 | admin
When you apply for a Visa credit card with bad credit you need to know you typically won’t qualify for credit cards with rewards because if you have limited or no credit history financial institutions see you as a greater risk of being delinquent on your account so in order to take advantage of credit card offers designed for people with excellent credit you need to re-establish your credit history.
The only real way to rebuild your credit history is to apply for a secured visa card, a secured credit card might sound like a bad deal to you because you are required to place a security deposit on the credit card equal to the amount of your credit limit.
What I suggest you when you want to apply for a Visa credit card with bad credit is sign-up for a secured card and place a couple hundred dollar security deposit then use your card regularly for small purchase then pay off the balance owing at least every 2 weeks ensuring you’re never late on a payment.
This will rebuild your credit history within a few months and then you can come back to Crediteria.com to get the latest and greatest offers for people with good to excellent credit and take advantage of card offers with rewards perks and low interest rates. You’ll be surprised and how fast you can re-establish your credit history when you use a secured card as a tool that reports to the 3 major credit bureaus.
Recommended Visa Credit Card to Apply for with Bad Credit
Remember that you’ll be required to place a security deposit with this card however that’s a necessary step to rebuilding your credit history and you will get your security deposit back in the future.
The security deposit is required as collateral in the event you fail to make your payments on time and it’s also important to note that the security deposit is NOT used to make your minimum payment, again it is only used if your account because seriously delinquent.
Public Savings Open Sky Secured Visa Credit Card
As you can see you’ll get an incredibly low ongoing interest rate and once again know that you are going to have to cough up the security deposit but it’s a necessary step to getting your credit back on track.
Don’t delay, start your road to good credit right now and get this card however if you’re not sure what to do please go ahead and submit your questions or concerns below on this credit card blog so we can help you when you want to apply for a Visa credit card with bad credit.
Visa Credit Card MilesPosted on May 19th, 2011 | admin
If you want to get Visa credit card miles with no limit on the miles you can earn where you earn miles per every $1 spent and avoid the offsetting effect of credit card fees because more often than not the fees credit card companies charge you really makes the rewards you earn a mute point.
If you want to earn Visa credit card miles with a credit card offer that is not going to rip you off with hefty fees, the first thing you need to consider when looking for airline credit cards is a credit card application with no annual fees.
Depending on how much you travel, and most of us are lucky if we get one vacation per year, and if you’re one of those people then most Visa credit card miles reward programs are designed in a way that you’d be better off not trying to earn rewards on your credit card because of the hidden fees they charge.
Beyond the fees credit card companies charge, sometimes you’ll get fooled into applying for a credit card offer that promises tons of free flights however they limit the dates you can travel so you need to make sure you’re applying for a Visa credit card miles offer that features no blackout dates, seating restrictions or for that matter any restrictions on how you use your Visa credit card miles points.
You should be free to not only use your credit card miles for airlines, you should be able to use your accumulated credit card rewards on almost any vacation related expense
The Best Visa Credit Card Miles Application with No Annual Fees
Simmons First Visa® Platinum Rewards
Simmons First Visa® Platinum Rewards – Apply Now!
If you have any questions, concerns or comments about Visa credit card miles programs please leave us your thoughts on our credit card blog right now to make sure you apply for the best credit card offer for your unique financial situation.
Sign Up for a Visa Credit CardPosted on May 19th, 2011 | admin
When you sign up for a Visa credit card the first thing you need to consider is your credit rating because not all Visa cards are created equally and different Visa credit cards cater to different people based credit scores.
If you’ve got excellent credit then you will definitely want to take advantage of perks such as cash back rewards or miles you can use for free travel and vacations.
Recommended Visa Credit Card for People with Excellent Credit
This Simmons First Visa card gives you travel rewards without blackout dates when you book on US based airlines so your free flights start adding up fast!
But you’re not limited to just flying free, you can use your travel rewards for other travel related expenses such as hotels, cruises, rental cars and even dining out at restaurants.
Plus as a bonus you’ll get a very low ongoing APR plus take advantage of no fee balance transfers when you sign up for the Simmons First Visa Platinum Rewards card.
If you’ve got excellent credit cards and want to show off with a Visa credit card then check out our review of the most prestigious credit cards featuring the Visa Black card that, while you pay a hefty annual fee you get free lounge access and a lot of other perks but mainly this card is designed for the wealthy to show off because only the well-to-do can qualify for this Visa card.
Recommended Visa Credit Card for People with Fair to Good Credit
If your credit is less then perfect you can still get approved for a Visa card however don’t expect the same kind of travel rewards you get when you have excellent credit.
The best offer for people with fair to good credit that want to sign up for a Visa credit card are the Orchard Bank Visa Cards because if you don’t qualify for the application featured here, Orchard Bank will work hard to find a Visa card you qualify for.
Recommended Visa Card for People with Bad Credit
If you’re credit score is low then you’re only alternative for getting might be a prepaid
You can read more about prepaid credit cards here
Before you sign up for a Visa credit card make sure you apply for a card that you’ll actually get approved for because each time you apply for credit and get turned away your credit score diminishes so be honest with yourself when you click on the above Visa card applications and apply for only an offer you’ll qualify for.
If you’ve got any questions about what card or how to sign up for a Visa credit card please go ahead and submit your questions, concerns, comments or reviews below.