Best Credit Card

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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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Credit Card Special Offers

Posted on May 30th, 2011 | admin

The Best Credit Card Special Offers

Discover Open Road Card

There are a lot of really good credit card special offers on the market today but before going any further make sure you take advantage of one of the best offers on the market today that put cash back in your pocket plus ongoing rewards

Featured Credit Card Special Offers

Discover® Open Road Card

 

  • Receive a $150 Restaurant.com Gift Certificate with first purchase
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 11.99% – 20.99%*
  • 2% automatically at any gas station and any restaurant all year long*
  • Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Click Here to Apply Now!

    When you’re applying for a credit card these days there’s an awful lot of things to take into account before you sign on the dotted line – so to speak. If you’re a first timer to owning a credit card then you’ll have to sift through a lot of different options before you make your final choice. If you’re an existing credit card holder then you’re going to be spoiled for choice when it comes to choosing a new card – simply because there’s a lot of credit card special offers available right now.If you have an existing credit card with a balance on it then a card that offers a balance transfer with 0% APR for the first several months should be high on your shopping list. This means that you can sign up for your new card and the issuing company will clear your balance on the old card and you won’t have to pay interest on that amount for anywhere from 3 – 12 months. This can be a very effective way of managing credit card debt.

    You can also save huge amounts of cash by simply swapping over to a low interest rate card. What most people don’t realize is that most “old” cards have APRs of between 18% and 22% whereas some of the newer Visa and MasterCard’s have APRs as low as 10.9%. This can save you an awful lot of cash every year in interest charges and to be blunt you’d be crazy to keep using a standard card with a 18%+ APR.

    Another great way of benefiting from owning a credit card is to have a credit card that offers cash rewards as a perk. How this works is that your credit card company gives you a small portion of the commission they charge merchants for their transactions – usually about 1% or 2%. This is then paid back to you as a cash rebate or added as a credit to your account at the end of the year. This literally means you can get paid for spending money – within reason.

    Frequent flyer credit cards are another excellent way of improving your financial circumstances from the special offers you get on credit cards right now. The world is becoming a smaller place each day because of air travel so if you happen to travel a lot for business or pleasure then you can earn air miles by making purchases with your credit card. Originally these points were only earned from travel related expenses but most modern frequent flyer cards will pay you air miles rewards for any purchase you make with your card. Not only that but you can often redeem the points against other travel related expenses like hotel rooms and car hire.

    So regardless of what you need from a credit card you’re going to be able to find one that suits you and has something special to offer at the same time.

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

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Can You Get Cash Back with a Credit Card

Posted on March 16th, 2011 | admin

The answer to the question “Can you get cash back with a credit card?” is yes, you can get cash back from a credit card however to fully answer this question I need to discuss two issues, the first is if you want to withdraw cash at an ATM, you can do that and the second point about getting cash back with a credit card is there’s credit card offers you can apply for that give you cash back rewards.

First I have to talk about withdrawing cash at an ATM on your credit card, if you’re thinking about doing that, do not EVER withdraw cash at an ATM on your credit card because credit card companies have 2 interest rates they apply.

One of the interest rates is based on purchases and the second and MUCH higher interest rate is applied to cash withdrawals. When you make a purchase using your credit card the credit card issuer will charge interest after a certain grace period, meaning the interest does not take effect until a certain number of days after you’ve made your purchase so if you buy an item using your credit card today and then pay your balance in full then you won’t pay any interest however if you withdraw cash at an ATM machine the interest begins accruing at an astronomical interest rate immediately.

Best Card for Excellent Credit

Now let’s take a look at the best offer that give you cash back when you apply for these card offers.

Best Cash Back Credit Card for People with Excellent Credit

More Info Here

If you have an excellent credit rating you can take advantage of the Discover® More Card. With this card you earn rewards on all your credit card spending

Here’s what you get when you apply now for the Discover® More® Card credit card offer:

Discover® More® Card

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Click Here to Apply

    Best Cash Back Credit Card for People with Less Than Perfect Credit

    Walmart MoneyCard

    More Info Here

    If you’re credit is less then perfect then you’re going likely not going to find a cash back credit card however there’s a prepaid debit card that gives cash back.

    The Walmart MoneyCard(SM) Visa® Prepaid Card offer is a debit card that works just like a regular credit card and the really cool thing is this is one of the only prepaid Visa card offers that actually gives you cash back rewards

    Walmart MoneyCard(SM) Visa® Prepaid Card

  • No issuance fee online
  • No credit check or bank account required
  • No overdraft fees
  • No minimum balance required
  • Free Direct Deposit
  • $10 bonus with qualifying Direct Deposit (for a limited time only)
  • Use everywhere Visa debit is accepted, including shop online, pay bills, get cash at ATMs
  • Get 1% cash back for gas purchases nationwide (see program rules for details)
  • Apply Online Now!

    If you need more answers to the question “can you get cash back with a credit card” feel free to ask your questions or if you’ve got another credit card with cash back rewards we’d love to here your thoughts so go ahead and submit your questions, comments and reviews on this blog and one our credit card experts will get back to you.

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    Best Credit Cards for Purchases

    Posted on March 5th, 2011 | admin

    The best credit cards for purchases will depend upon a couple factors such as how many purchases you make, it will depend upon your credit score and it will also depend on whether or not you carry a balance on an existing credit card.

    Best Credit Card for Purchases if Carry a Balance Already

    If you’ve got an existing credit card, tend to do a lot of spending on your credit card and your credit is excellent then you’ll want to take advantage of an offer from Discover Card that gives you a cash back reward after you’ve spent a predetermined amount on your credit card.

    The Discover Card offer is perfect for people that make several purchases on their credit card, whether or not you carry a balance on an existing card because they offer a 0% intro APR plus a cash back bonus!

    If you’re wondering what the best credit cards for purchases are and you’ve got excellent credit, especially if you’re currently carrying a balance on another credit card, then you’ll definitely want to take advantage of the rewards you get with the Discover offer especially the cash back after meeting their card spending requirements, to see the full terms and conditions click the link below

    Discover® More® Card

    Credit Required: Excellent
    Best Credit Card for Purchases with Excellent Credit
    More Info

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 11.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
  • Apply Now!

    What are the Best Credit Cards for Purchases if My Credit is Less Than Perfect?

    If you’re credit score isn’t a bright shiny star according to the credit bureaus then you won’t qualify for an offer as amazing as the Discover cash back offer however you still want to make purchases online and you’re wondering what the best credit card to make purchases with is then you’ll definitely want to take a look at building your credit with a credit card that reports to the 3 major credit bureaus to help you build your credit score while you make purchases.

    If you’ve got less than perfect credit you really have 2 choices, either a debit Visa or MasterCard which really doesn’t help you restore credit as well as the Orchard Bank Visa Cards, or just apply right now for a credit card from Orchard Bank and start getting your credit back on track.

    Here’s the scoop on the Orchard Bank Visa Cards

    Best Credit Card for Purchases with Bad Credit
    More Info

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • On-call customer service representatives to assist you with questions or concerns
  • Apply Now!

    What is the Best Credit Card for Purchases for Occasional Spenders?

    If you don’t make that many purchases with a credit card and don’t care about earning rewards then you maybe a debit card that works like a credit card is best for you however when you apply for a debit card you need to watch out for insane fees such as initiation fees and transaction fees, cripes it’s your money and debit card issuers have no business charging you a fee to use your own money and that’s why the top pick out of all prepaid debit cards is the Green Dot® Gold Prepaid Visa Card because when you apply and activate the card online you’ll pay nothing plus you even get a cash back bonus when you use direct deposit and that’s why the Green Dot® Gold Prepaid Visa Card is the best to apply for today

    Green Dot® Gold Prepaid Visa Card

    Green Dot Debit Card Visa

    More Info Here
    Green Dot Debit Card MasterCard

    More Info Here

    Here are the key bullet points about what you get when you sign-up today for the Green Dot® Gold Prepaid Visa Card:

  • $0 Activation Online –with no credit check
  • Free ATM withdrawals at over 15,000 MoneyPass ® ATMs
  • Get a $4.95 credit on your first MoneyPak cash load (see site for restrictions)
  • No Monthly fee for any month with at least 30 purchases
  • No Transaction fees on US purchases
  • No Overdraft or penalty fees
  • No Minimum balance required
  • Get $10 with Direct Deposit (see site for restrictions)
  • If you have any questions about what the best credit cards for purchases are for your unique financial situation please go ahead and ask your questions and submit a comment on our blog and one of our credit card experts will get back to you.

    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

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    Credit Card Rewards for Paying Your Bills on Time

    Posted on February 26th, 2011 | admin

    Did You Know You Can Earn Credit Card Rewards for Simply Paying Your Bills on Time?

    I just read an article on the Forbes.com blog talking about credit cards that give you rewards for using your card responsibly. Due to the credit melt down that happened a few years ago credit card companies stopped lending credit to anybody for anything no matter how incredible your credit score was however that’s paralyzed the business of the credit card lending companies.

    So they’ve devised a way to reward you on a lot of levels including rewards for all your purchases, they’ve also loosened their belts and are giving you rewards cards with no annual fee plus the best incentive some credit card companies are giving is rewards for just paying your bill on time.

    If you’ve got excellent habits when it comes to paying bills and use credit cards responsibly then you should really consider getting a rewards card that offers incentives that you can redeem as cash, gift cards or merchandise then it’s time to take advantage of the credit card reward programs that are coming back on the market as we dig ourselves out of what’s been coined as The Great Depression.

    What Credit Card With Rewards Should I Apply For?

    Crediteria.com’s recommendation is the Discover Motiva offer, because of the generous rewards you get when you apply today.


    Discover Motiva Card
    Click Here for More Info

    If you’ve got excellent credit and have a story to share with our readers please go ahead and submit your tips and tricks to have you’ve maintained excellent credit and a sound financial plan through these tough times.

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    American Express Gold Card

    Posted on September 24th, 2010 | admin

    American Express Gold Card – Credit Card Review

    The American Express line of cards is one of the most well known credit card series out there and the American Express Gold card is one of the most popular ones. There is a very good reason for this though: American Express offers a number of very nice and well rounded perks to customers; there is no skewing to a particular kind of perk or another-you simply get some good and useful rewards and enjoyment out of using this card.

    The American Express Gold Card is one of the cards you think when you think of getting things for being a member. It offers a points system that you can redeem for things like dining, hotel stays, shopping, and travel. You can also get promotional deals through partnership merchants such as Home Depot. However, there is more to being a member of the Gold branch of American Express. This credit card also offers things like gold car events, such as tickets to high profile concerts and sporting events and purchase protection on whatever you buy. Plus, when you join, you can get 10,000 bonus points just for spending $500 over a three month period on your card; on top of the points you earn for spending that money under normal circumstances.

    The American Express Gold Card has an annual fee of $125 and no APR. This is because you are required to pay your balance in full every month, so of course there is no interest to be gained from it. There is no set spending limit either; but be sure you can pay off the balance in full every month or else you’ll lose your membership benefits.

    Keep in mind that this card is only useful and really can only be received by people with an excellent credit rating. This is because you have to be able to pay off the balance in full every month and you have to be able to spend a certain amount every month in order to get any discernable rewards. This combined means that you have to have a very good income and be able to pay off the card or else there is no point in applying for it. However, if you are able to make this criteria, then this is a very good card to have; it’s welcome everywhere, it rewards you for shopping, and you get gold card membership perks to enjoy.

    The American Express Gold Card is well thought of for a reason; it has nice perks and you get the enjoyment of being part of an elite of sorts. If you have an excellent credit rating and want some good general rewards and perks, then this is the card for you.

    Apply Now for the American Express Gold Card!

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    Discover Motiva Card

    Posted on August 7th, 2010 | admin

     

    Discover Motiva Card

    The Discover® Motiva Card is designed to reward those with excellent credit and good bill payment habits. You’ll love the unlimited cashback bonus rewards the Discover® Motiva Card gives you, you’ll earn anywhere from 5% to 20% cashback from over 150 retailers through the Discover online shopping mall.

    The Discover® Motiva Card is also a great way to save money on interest charges because you can get an incredibly low introductory rate on purchases and balance transfers of 3.99% intro APR for 15 months, then the variable standard purchase APR of 11.99% – 20.99%*

    If you like earning Cashback bonus rewards and you pay your credit card bill on time you’ll love how fast your bonus cash back rewards pile up in your account.

    Let’s take a closer look at how you earn cash back rewards with the Discover® Motiva Card:

    Cash Back Rewards for Good Credit Management

    If you pay your credit card bills on time for 6 consecutive months the Discover® Motiva Card rewards you for your good credit management by giving you an additional Cashback Bonus that are equal to a months finance charges (read the terms and conditions on the application page for more details)

    Earn Cashback Bonus Points of 5% to 20% from Top Retailers

    If you love earning cash back for shopping online from over 150 top retailers that you likely already shop with and get rewarded 5% to 20% cash back then you need to dive in and apply for the Discover® Motiva Card today because that kind of bonus is unheard of so you want to take advantage of this offer today to start earning more rewards.

    Unlimited 1% Cash Back Earnings on Everything Else

    The rewards don’t stop with your online shopping, you get unlimited 1% cashback bonus rewards on all your credit card purchases.

    Incredibly Low Intro APR of 3.99% for 15 Months

    A 3.99% APR for 15 months on both purchases and balance transfers means you’ll be saving tons of money in costly interest charges for a long time!

    The Discover® Motiva Card gets our top rating because of the low interest rate plus the huge credit card rewards offered, apply below for this card and start earning more cash back points today!

    Discover Motiva

    Discover Motiva

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    Best Cash Back Credit Card

    Posted on August 4th, 2010 | admin

    Cash Back Credit Card

    When you’re looking for the best cash back credit card offer you need to look beyond how much you’re earning because there are far too many credit card companies that offset your cash back rewards by charging a high annual fee that literally eats up your earnings even if you earn 5% cash back.

    What you need to focus on when you are applying for cash back credit cards are cards where you earn money on not just one of your credit card purchases such as cash back on gas, what you need is a credit card cash back program that will let you earn cash back on everything including your grocery, clothing, entertainment, utility bill payments and all the stuff you have to pay as part of everyday life.

    We’ve narrowed down the best cash back credit card reward offers to 2 credit cards with the Chase Freedom® Visa card as the top offer because most consumers prefer a Visa credit card over a Discover Card however if you don’t care about what card issuer you submit your secure online application with then you really need to consider going against the grain and get the Discover® More® Card in your wallet.

    Compare the Best Cash Back Credit Card Offers

    The Chase Freedom Visa Vs. The Discover More Card

    Chase Freedom® Visa Review

    The Chase Freedom Visa credit card gives you about as many perks as the Discover More Card however the downside of the Discover More Card from our experience tends to be Discover declines more applications that the Chase Freedom credit card and that’s why the Chase Freedom outranks the Discover More Card

    Chase Freedom® Visa – Click to Apply Now

    Discover® More® Card

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

     

    • 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 11.99% – 20.99%
    • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
    • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
    • Discover is ranked #1 in customer loyalty – 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
    • 24/7 access to a U.S. based Account Manager within 60 seconds
    • $0 Fraud Liability plus automatic mobile and email fraud alerts
    • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

    Discover® More® Card – Click Here to Apply

    Regardless which card you choose to apply for you can start earning cash rewards immediately and more importantly if you’ve got an existing credit card you can start saving on the immense cost of interest charges you are accruing on your current credit card because both these credit cards offer really big saving because they both have balance transfer credit card incentive savings with 0% introductory period offers.

    If you’ve got any questions or comments about cash back credit card rewards or have a review of your own to submit please go ahead and send us your questions, comments and reviews below, we’re here to help give the most unbiased view possible.

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