Best Credit Card

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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 Discover.com, 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 HERE TO APPLY
*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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Platinum Credit Cards

Posted on June 13th, 2011 | admin

Platinum Credit Cards

If you want one of the best Platinum credit cards then you need to take a close look at the The Platinum Card® from American Express. For those people who have excellent credit, this is one of the most amazing credit card reward offers available today.

Establishing excellent credit certainly does have its rewards. Qualifying for the Platinum Credit Cards is indeed one of those perks. Not only will you be treated with the utmost respect when purchasing with a Platinum credit card, but you will be given the lowest balance transfer and APU available. With many platinum cards, you will also be given some fun privileges such as airport VIP lounge access without being forced to pay for first class tickets.

Out of all the Platinum credit cards that give you travel rewards and perks, perks such as special privileges such as upgrades in hotel rooms and other amenities, in particular that all important VIP lounge access then you need to apply for the Platinum Card(R) from American Express because this is one of the best Platinum credit cards the delivers the benefits you deserve.

Platinum Credit Card

The Platinum Card® from American Express

Here’s the key bullet points you need to know about the Platinum Card(R) from American Express:

  • Earn 25K Membership Rewards® points when you spend $2,000 during your first three months of Card membership
  • Premium travel benefits: access over 600 lounges worldwide with Priority Pass™Select, no foreign transaction fees, bypass airport arrival lines with Global Entry
  • Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine Hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Terms and restrictions Apply
CLICK HERE TO APPLY
*Click Apply to view rates, fees, rewards, limitations and other important information

In Review – What is the best of all Platinum Credit Cards?

The best of all platinum credit card offers is the Platinum Card(R) from American Express and this travel rewards Platinum Card gets our vote for the best of all Platinum offers because of the bonus rewards you receive, the VIP lounge access at airports through the United States and the world and don’t forget you get special upgrades for your accommodation booking. This means you get full VIP respect while being able to save money on flights because you can take advantage of the first class flight experience while NEVER having to pay first class airfare prices…… That’s not saying you can’t book that first class ticket, only saying that out of all the Platinum credit cards on the market this is the best VIP experience you’ll get from a credit card offer!

 

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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VIP Platinum Card

Posted on June 13th, 2011 | admin

What’s the Best VIP Platinum Card?

What you should expect from the best VIP Platinum Card offer is the royal treatment no matter where you use your credit card but the most important thing you should expect from VIP Platinum Card is access to exclusive VIP airport lounges.

The VIP Platinum Card offer you get from American Express gives you and a guest VIP airport lounge access whether or not you are flying first class. After all isn’t that why most people fly first class anyway, to get airport club access? Yeah, I know that’s what I want with first class tickets however I’ve been in business long enough to not burn my money on over-priced first class tickets, it’s only the VIP airport lounge access that matters to me.

When you apply today for the Platinum Card(R) from American Express you’ll get a ton of bonus points, the convenience of Concierge service and the best part of this VIP Platinum Card offer is you get access to airport lounges where you can relax in peace and comfort while you await your flight and again really that’s what most of us want especially on short commuter flights that don’t have first class seating.

American Express Platinum Card

So let’s take a look at the details you get with this VIP Platinum Card offer, the Platinum Card(R) from American Express:

Platinum Card(R) from American Express

More Info Here

  • Earn 25K Membership Rewards® points when you spend $2,000 during your first three months of Card membership
  • Premium travel benefits: access over 600 lounges worldwide with Priority Pass™Select, no foreign transaction fees, bypass airport arrival lines with Global Entry
  • Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine Hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Terms and restrictions Apply

Click Here to Apply Now!

VIP Platinum Card Overview

The Platinum Card(R) from American Express gives you VIP airport lounge access, travel insurance benefits such as cash to cover incidental costs on your trip, you also get bonus airline miles points and special upgrades and privileges at tons of your favorite hotels. The Platinum Card(R) from American Express is like the Mercedes Benz of credit cards.

If you’re still not convinced this is the best credit card to apply for read our review on the most prestigious credit cards and find out how you can qualify for the luxury card offer, the American Express Black Card with your enrollment in this VIP Platinum Card.

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 Black Card Requirements

Posted on May 30th, 2011 | admin

Visa Black Card Requirements

The Black Card

More Info Here

There are lots of credit cards for people to choose from but once in a while a credit card comes along that literally stops peoples breath when they see it for the first time. And that’s before they even know what features and benefits this particular card actually has. The Black Card is just such a card and it’s quickly become a prestigious credit card amongst all the luxury credit cards that you could potentially chooser from.

Visa Black Card Benefits

Barclays Bank Delaware cleverly crafted this card from carbon graphite so not only does it not look like any other credit card out there it also doesn’t feel like any other card either. Barclays released this unique card to compete with the Amex Centurion or what’s also known as the Amex Black card.

The prestige of owning a credit card like this comes at a price however. The spending power you have is immense and is really only targeted at about 1% of the American population so the application requirements for a Visa Black card are very, very high. Membership for this card is strictly limited and to be honest it’s only the elite and those with perfect credit scores that have any chance of meeting the card requirements.

What kind of perks come with this luxury card?

Well first off you’re only of a tiny percentage of people who can actually own this card. Then you get a 24-hour concierge service to cater to your every need. Piled on top of that you have access to over 600 airport lounges in 100 countries around the world and finally you will automatically receive a range of complementary luxury gifts from some of the finest brand names on the market. These perks are outside the additional benefits of worldwide accident insurance, lost luggage reimbursement and owning a card that’s accepted in more than 170 countries around the world.

Black Card

So what are the requirements for the Black Visa card? The first thing you need to be aware of is the $495 annual fee that you’ll need to stump up every single year you own the card. You’re going to need a FICO score of above 700 and you’re going to need have a few grand per month spending power too – if you’re just getting by each month then there’s no way you’ll qualify. On top of that you’ll also need to be a US Resident (residents of Puerto Rico can’t apply) and have a valid social security number. Apart from that the application process is pretty straightforward.

If you’re struggling financially and can’t afford a takeaway pizza or the basic necessities in life then the Visa Black Card isn’t for you.

If you want a premium credit card with some great rewards and a heap of great benefits then the Black Card might just suit you, if you’re accepted of course.

Here are the key features you get when you apply online today for the Visa Black Card:

Click Here to Apply Now!

  • Limited Membership
  • 24-Hour Concierge Service
  • Exclusive Rewards Program
  • Luxury Gifts
  • Travel Lounge Priority Pass
  • 1% Cash Back
  • Travel with No Blackouts or Restrictions
  • Patent Pending Carbon Card
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Airport Lounge Access Credit Card

Posted on March 22nd, 2011 | admin

Featured Airport Lounge Access Credit Card Offer

Did you know there’s an airline lounge access credit card that gives you VIP club or priority pass privileges?

The Platinum Card® from American Express

If you want a lounge access card that’s going to give you the peace and quiet you deserve after the stress of airport security then you’ll want to read on to get VIP treatment, concierge services and more at American Express.

Whether you are a frequent flying on US Airways, Delta Air or a lot of other airlines, the fact is airports are busy places with a lot of riff raff going through the terminals and all you want to do is relax. And find that relaxation in a quiet place away from all the hubbub and commotion going on in the airport terminal because you’ve finally cleared security and all you want is to get something to eat or maybe kick back and relax over a drink hence why having a lounge access card is that important.

However before you go and apply for just any run-of-the-mill airport lounge access credit card you need to make sure that when you apply for the card that’s going to give you lounge access that you get more from the card offer such as bonus mile rewards because a priority pass to airport lounges is great but you can get so much more!

If you want to get the VIP treatment at airports you need to make sure you apply for the American Express Platinum Card offer that gives you as a frequent flyer incredible rewards bonus points for just using your credit card for your travel bookings.

Yes, the American Express offer is an airport lounge access credit card however this card doesn’t stop there, Amex gives you conveniences such as concierge services, this Platinum Card is almost like having your own personal secretary in your wallet to book your entertainment, restaurants and lots more. Their 24/7 concierge service will save you a lot of time when you’re out of town allowing you to focus on your mission at hand without having to waste countless hours trying to get tickets to a show, book a limo or car service plus a lots of other bookings.

Let’s take a look at the details of what the airport lounge access credit card gives you when you apply today:

Platinum Card(R) from American Express Summary of Benefits

Get Airport Lounge Access – Click Here to Apply Now!

  • Earn 25K Membership Rewards® points when you spend $2,000 during your first three months of Card membership
  • Premium travel benefits: access over 600 lounges worldwide with Priority Pass™Select, no foreign transaction fees, bypass airport arrival lines with Global Entry
  • Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine Hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Terms and restrictions Apply

Please share your reviews of airport lounges you’ve visited whether or not you’ve used mile credit cards for access, your reviews along with your tips for making the most at any airport lounge around the world, whether it be O’Hare in Chicago, YVR in the Olympic city of Vancouver or Heathrow in London are greatly appreciated.

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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