August 26, 2008
 When you are looking at applying for a new car reward credit card, you are barraged with ads that promise the moon and stars for rewards. All of the offers seem appealing, but there is a lot to consider when choosing a car reward credit card from the onslaught of ads that you will encounter. There are cards that will offer you points for shopping at a specific manufacturer, credit cards that offer points for manufacturer parts purchases and credit card offers that afford points for gasoline purchases. So, which one is right for you?
If you plan to purchase a specific type of vehicle, such as a GM for example, there are car reward credit cards that offer you points for every dollar you spend on a GM vehicle, parts or service. If you own, or plan to own a GM vehicle, then one of these cards is right up your alley. Not only can you shop knowing you are protected by the MasterCard® or Visa® symbol, you can also get rewards for purchases you need to make for your vehicle.
There are a variety of Chase auto rewards credit cards available, such as the GM Business Card from Chase and the Volkswagen Platinum Visa® card with Rewards. The GM Business Card from Chase offers three per cent earnings on fuel purchases, restaurants, office supply stores and authorized GM dealers on parts and service, as well as one per cent earnings on all other purchases. When you purchase or lease a GM vehicle, you get a $600 statement credit with the program. The Volkswagen Platinum Visa® card with Rewards offers two points for every dollar you spend on VW purchases and one point on other purchases to redeem for VW cars, gear, and service as well as other rewards.
Those examples are indicative of the rewards you can expect from many of the credit card offers provided from any number of banks and institutions. The primary decision you have to make is about the type of car rewards credit card you want, and what will suit your needs the best. There’s no rhyme or reason to take a credit card with a rewards program that you have no use for. If you would never purchase a VW vehicle or have any use for their gear, then it would be silly for you to apply for and use a VW car rewards credit card.
Take a look at the vehicle you drive and search for a car reward credit card that would suit your needs. If you own a GM, search for a GM car reward credit card, a Ford-a Ford car reward credit card. You have to be able to use and make use of the rewards that you receive for using the credit card, so finding one that suits your needs is the key.
Once you have narrowed the field down to a few choices, you should compare the offers. There’s always fine print with a credit card and you should read all of it and consider it.
So, what should you consider if you are looking for a car reward credit card?
Start with the APR (annual percentage rate) and compare them from card to card. Many car reward credit cards offer a special, lower introductory APR for a period of time. It’s the long term APR that you really want to consider, as it will have the most impact on your spending.
Annual fees are next on the list-many car reward credit cards don’t have any annual fees while others do. If there is an exceptionally low APR, then chances are there is an annual fee to pay. You have to weigh the difference, APR versus the annual fee to decide if the annual fee is worth the lower APR (and most often it is).
Finally, look at the rewards program. Ask yourself if the rewards that are offered with the car reward credit card are rewards that you would be interested in. When the answer is no, look at a different card. When the answer is yes, then look at the complexities of the reward program. Find out how many points are offered and when they are offered. If you get three times the points for shopping at a specific chain store and you have never shopped there, it’s not a good reward program for you. You also need to look at if and when the points expire, how often you can use them and if there are any limits or exceptions to the rewards program or redeeming points.
Once you have looked at all of the cards that fit your profile, compare them and figure out which card is the best for you while looking past the flashing ads and ‘great deals’. The best car reward credit card is the one that will suit your needs best.
August 22, 2008
 Considered one of the top leaders in the credit card industry today, MasterCard Incorporated, the parent company of MasterCard credit cards, works as a franchisor, processor, and advisor to further develop and advance worldwide commerce, accelerate global business, and act as a significant link between millions of financial institutions and businesses, merchants, and individual cardholders around the world.
Credit cards are engrained in the very fabric of our financial and business-related society, and millions of individuals and businesses around the world choose a MasterCard credit card application and to carry a MasterCard. Why?
First and foremost, MasterCard, the second leading payment system in the U.S., is accepted by more merchants than any other credit card in the entire world. In addition to merchants, you will have a higher chance of accessing cash from any ATM in the world if you carry a MasterCard. In fact, MasterCard Incorporated actually states: “No other payment card is accepted in more locations around the world than MasterCard.” The MasterCard credit card (and debit card) network has extended into more than 200 countries, and boasts an astounding 250,000 shareholders around the world. If you carry a MasterCard in the U.S., you also get the added benefit of zero liability in case your card is ever stolen.
MasterCard is also a preferred and trusted brand of credit cards for many consumers. No matter what your financial needs or credit-related situation, there is a MasterCard for you, which is another reason why so many people choose a MasterCard application. MasterCard offers several different “categories” of its premier brand credit cards for credit card applications: standard credit cards, specialty credit cards, rewards programs credit cards, and “bad credit” credit cards.
Standard MasterCard credit cards are the most common (and popular) type of MasterCard. In fact, if you are just starting out with MasterCard or even credit cards in general, you will likely be filling out a standard MasterCard credit card application. Specialty credit cards are issued to people and business in special situations, such as college students, self-employed individuals, and small business and companies. If you like rewards programs and will use them and benefit from them, requesting a credit card application for a MasterCard with rewards is a good option for you. With this type of card, you will accumulate points or be rewarded discounts every time you use your card. Finally, MasterCard credit cards can also be designed with the consumer who has bad credit history in mind. The balance, interest rate, terms and conditions, and credit applied will be specifically tailored to your needs.
MasterCard Incorporated offers a plethora of specific credit cards that offer a number of unique advantages. The type of card for which you seek a credit card application will depend not only on your financial and credit situations, but also on your tastes, preferences, and goals.
There are too many different types of fantastic MasterCard credit cards to name, but here are a few of some of the more popular types: the HSBC Platinum MasterCard, the Citi Platinum Select Card, the Universal Entertainment MasterCard, the Citi Diamond Preferred Rewards Card, and the GM Card.
One of the most popular MasterCard credit cards is the Citi Platinum Select Card, which offers zero APR on purchases and balance transfers for a full 12 months, after which the APR carries at a competitively low rate, and you are also entitled to free online bill payments and account management, all for no annual fee. However, if you’re looking for a little something more, the HSBC Platinum MasterCard, for example, offers all these attractive features and benefits plus unlimited purchase protection, extended warranties, and inclusive travel insurance for accidents.
If you’re into rewards, consider requesting a credit card application for the Citi Diamond Preferred Rewards Card, through which you can earn reward points for any MasterCard purchases you make at gas stations, grocery stores, and pharmacies. You could also look into the Universal Entertainment MasterCard, which offers entertainment-based rewards for items like CDs, DVDs, and even theme park admission.
There are many other popular MasterCard credit cards, offering a wide variety and wide range of benefits, features, rates, and terms. A few of these include the GM Card, the Marathon Platinum MasterCard, and the Continental Airlines World MasterCard.
Another advantage offered by MasterCard is that the application process is quite simple and straightforward. If you’re considering credit card applications, consider applying for a MasterCard credit card, and you are sure to get your hands on the right credit card for you, your financial needs, and your credit situation. Even if you have no previous credit, you are likely to be issued a standard credit card with a reasonable balance and a reasonable interest rate the latter often lower than you’d find with other major credit cards. In fact, many consumers find that when they simultaneously fill out a MasterCard credit card application and an application for another major credit card company, they may find both a slightly higher balance and a slightly lower interest rate with the MasterCard, upon approval.
Visit MasterCard online and browse through the site, or contact a representative to find out what your options are and which type of card is the right one for you and your needs. Then, you can fill out a MasterCard credit card application and be on your way to reaping all the benefits of carrying the most flexible and accessible credit card in the world.
August 16, 2008
 The Discover Business Credit Card is beneficial for business owners who are looking for customized credit solutions while offering cash back programs and a low fixed APR. Every business has expenses from paper clips to new business machines, Discover offers up to a 5% cash back on everyday business purchases while offering you the financial flexibility to support all of your other business needs.
Beyond office supplies, the Discover Business Card will give you great cash back rewards on all your purchases. Drive alot? Get a 2% return on all your gas purchases and 1% on every other purchase. There is no limit to the amount of cash back you can earn. Want more? Double your cash rewards value by purchasing gift cards from a variety of Discover’s Cash Back Bonus Partners.
Whether you are a Fortune 500 company with 100’s of employees or you are a small business owner with a handful of clients, this card can help keep your spending organized. Issue any number of employees their own credit card and set each limit appropriately. Keeping track of each cards spending using the on-line reporting tools is a snap, business owners can export reports daily, weekly, quarterly and/or annually.
Do you have a supplier that does not accept credit cards? Discover also offers PurchaseChecks that act the same as if you made the purchase with your credit card. PurchaseChecks are FEE-FREE and still earn you Cashback bonuses. Discover Business Credit Card is a business owners best friend.
Other noteworthy benefits for the Discover Business Credit Card:
- 0% Intro APR for 12 Month
- No Annual Fee
- 13.99% Regular APR
- Fruad and Security Protection Service
- Discount from participating Merchants and Retailsers
Do not hesitate, apply for a Discover Business Credit Card today and start earning cash on all your purchases!
August 12, 2008
 There are many benefits of applying for a prepaid credit card. A prepaid Visa credit card works just like any other credit card with one major difference. When you use your prepaid Visa credit card, you are spending money you have already put on the card. Like a gift card for a store, when the money is gone, you can no longer use the card, but unlike a gift card for a store, you can use a prepaid Visa credit card in any store, just like a regular credit card!
There are many different reasons someone might choose to use a prepaid credit card. One reason is that they might have little credit history or a bad credit history. When you buy a prepaid credit card online or offline, you do not have to worry about your credit history, because you put the money on the card. The credit card issuer is not going to lose anything if you have a bad credit history, because you will not owe the company any money. You will be giving them your money on the outset and using your Visa prepaid credit card like a gift card, spending it at your favorite stores.
Another benefit of using a prepaid credit card is tracking your spending. This benefit is one reason that many parents give prepaid credit cards for teens to their kids. When you send your daughter to the mall with her friends, you can know exactly how much she can spend if you limit her to a prepaid credit card.
A Visa or MasterCard prepaid credit card is also a safe, secure way to carry your money. When you are traveling, carrying large amounts of cash is not safe, and taking your checkbook may not be convenient. Many places only accept cash or credit, but not checks, particularly if you are from out of state. Carrying large amounts of cash is a great way to invite a thief to take your purse. With a Visa or MasterCard prepaid credit card, you must sign for your purchases. This means that a thief cannot spend your money, because he will not be able to sign your name. Also, if your prepaid credit card is lost or stolen, it can be cancelled just like your regular credit card.
With the rise of interest rates, many people are afraid to have high balances on their credit cards. Using a MasterCard or Visa prepaid credit card is a way to spend money conveniently without building large amounts of credit cards. Your prepaid credit debit card has the same effect on your budget as spending cash does.
You can check the balance of your prepaid credit card online and over the phone. Most prepaid credit cards will allow you to reload the prepaid credit card online or over the phone, as well. This eliminates any embarrassment caused by not having enough money on your card for a purchase you want or need to make. All it takes is a quick call from your cell phone and you can make your purchase.
While there are few completely free prepaid credit cards, the savings you have over a traditional credit card are substantial. You will not pay any interest, because you put the amount of money on the card that you intend to spend. Most prepaid cards have a monthly fee attached for carrying the account. Many cards do, however, offer a free prepaid credit card option, if you have your paycheck direct deposited to your prepaid credit debit card. Many consumers find this a good option, since you can use your prepaid credit debit card almost anywhere you can write a check.
Another way you can use a MasterCard or Visa prepaid credit card is when you are signing up for online offers. Sometimes, these offers sound great, but after you are done with the trial period, you realize that you do not want the product or service. However, the companies who give you these trial offers make it nearly impossible to cancel your subscription. If you use a credit card in prepaid form, you can simply load the card with the amount of money you intend to spend on the trail, and then let it expire. When the credit card will no longer pay the Internet marketer, you will lose your subscription to the product or service, and avoid being charged for something you do not use.
When you are ready to compare prepaid credit card offers, make sure you look at all the fine print in order to find the best prepaid credit card for you and your family. Find out what fees the card has, and read the fine print to see if there is any way you can make your chosen card a free prepaid credit card. Make sure that there are no minimum balances that you have to have on the card. Also, when you compare prepaid credit card offers, find one that has a PIN number. This will make it easy to use your prepaid Visa credit card anywhere you would normally write a check. With these comparison tips, you can find the best prepaid credit card for your needs!
August 7, 2008
 Jet Blue is widely known as a great alternative to everyday flying. Jet Blue now flys to 45 locations nationally and 9 more internationally. With multiple benefits that include award winning customer service, 36 free channels of direct TV, plush leather seats, and free eats and drinks, Jet Blue has set itself apart from the other airline companies. Now Jet Blue is offering a way to fly for free with the Jet Blue Credit Card from American Express.
The Jet Blue Credit Card from American Express is an airline credit card (frequent flyer/traveler credit card) that offers you free flights by earning points with everyday purchases. For a limited time Jet Blue is offering 10,000 bonus award dollars (50 True Blue Points) on first purchases which is 50% of the way toward a free flight. Other big benefits include earning one award dollar on virtually every purchase, even earning double award dollars on restaurant, movie, concert, theater and other fun purchases. When you through in free online account management and the backing of American Express it is easy to see why taking Jet Blue everywhere is a great choice.
How it works:
- Virtually every dollar you charge to the JetBlue Card earns you one Award Dollar
- 200 Award Dollars earn you one TrueBlue point
- 100 TrueBlue points get you a round-trip flight anywhere JetBlue goes
Other benefits of the Jet Blue Credit Card from American Express include:
- True Blue Points don’t expire
- On-line account management
- Identity theft assistance
- 3.99% APR for 6 months on balance transfers
- Award winning customer service
- Fraud protection guarantee
- Purchase protection plan
- Emergency card replacement
- Car rental loss and damage protection
- $100,000 travel protection insurance
August 1, 2008
 FIA Card Services NA is the name that was taken by MBNA when they became a subsidiary of the Bank of America. The FIA Card Services NA offers many different credit card options for people who have a good credit rating. These credit cards offer many reward programs, great introductory rates, no annual fees, and much more. Certain restrictions and limitations do apply, so always be sure to check with your Guide to Benefits booklet you will receive when you apply for and get a credit card from FIA Card Services NA. Below are a listing of the most popular cards issued, and their terms of services. All these credit cards can be applied for quickly and conveniently online.
Merrill Lynch Credit Card Plus
This credit card is offered by FIA Card Services NA. The Merrill Lynch Credit Card Plus offers no annual fee when you open up a card with them. You’ll receive a 9.99% annual percentage rate, no annual fee, and a great credit line that could be up to $250,000. The Merrill Lynch Credit Card Plus offers many bonus programs when you use your card. Every dollar that you spend on net retail purchases will earn you 1 point. Purchasing a Merrill Cruise? You’ll earn double points. You’ll also receive air rewards starting at a mere 25,000 points. This credit card also offers zero liability protection and early warning for fraud. The introductory Annual Percentage Rate for the Merrill Lynch Credit Card Plus is 1.9%, and it lasts for the first 12 months. After that, the APR goes to 9.99%. This credit card has no annual fee and a grace period of 25 days. There is a late fee charge of $29.00.
Brighter Planet Visa Credit Card
With this credit card, offered by FIA Card Services NA, you’ll not only have a card that saves you money, but also helps save the planet. When you use the Brighter Planet Visa Card, you will get automatic point redemption that helps support renewable energy products. For every dollar you spend in net retail, you will receive one “Earth Smart” bonus point. You’ll also get an amazing 1000 Earth Smart bonus points when you make your very first transaction with your new card from FIA Card Services NA. Additionally, for every two points earned through the month of December of 2008, Bank of America will make their own matching contribution of one point. The introductory Annual Percentage Rate, or APR, starts at 0%, and lasts for 12 months. After that, the APR is 9.99%. There is absolutely no annual fee, and you are allowed a 20 day grace period. After twenty days, you will be charged a late fee of $39.00.
World Series of Poker Visa Card with World Points
This is another card offered by FIA Card Services NA. This card is made especially for those who like poker, as you can redeem points towards World Series of Poker buy-ins and merchandise. You will earn one point for every dollar you spend. You can also use your points for airline tickets with many major U.S. airlines, and there are never any blackout dates. You can earn unlimited cash rewards with the World Series of Poker Visa Card as well. This card offers an introductory APR of 0%, and this lasts for 12 months. Then, the APR goes to 9.90% after the year is up. There is no annual fee, and you have a 20 day grace period if you are late on your payment. After that, you will have a $39.00 late fee applied to your account.
Fidelity Investments Rewards Visa Card with WorldPoints
The FIA Card services NA offers an additional credit card, the Fidelity Investments Rewards Visa Card with WorldPoints. For every dollar spent in net retail purchases, you will earn one point with this credit card. Your points can then be redeemed as a deposit into an eligible Fidelity Account if you wish. You can also use your earned points for traveling, on merchandise, and more. There is no annual fee for the use of this card, and an introductory APR rate of 0%. After 20 days, the APR goes to 14.99%. You receive a grace period on your Fidelity Investments Rewards Visa of 20 days, and after that you will incur a $39.00 late fee.
As you can see, there are many options when you decide to apply for a credit card from FIA Card Services NA. With many options and rewards, a new credit card may be just what you need. Review the terms of service before deciding which card to apply for, as they differ based on the card you choose. When you apply for one of these cards online, you can do so quickly and securely, and get an instant answer. Apply for a credit card today through the Bank of America and FIA Card Services NA, and start racking up the rewards.
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