Why This Card?Expert Review: The Platinum Delta SkyMiles Credit Card from American Express allows you to earn 1 mile per dollar on most purchases and 2 miles per dollar with many participating retailers. With your first purchase on the card, you'll earn 20,000 SkyMiles and 5,000 Medallion Qualification Miles. While SkyMiles can be used to redeem free airline tickets, Medallion Qualification Miles are used for earning Medallion elite status: Silver, Gold or Platinum. Medallion status comes with many perks, including free upgrades to first or business class, priority boarding and free access to Delta's Crown Room lounges. For a more immediate benefit, this card will award you with one free companion coach airline ticket annually. There is an annual fee of $150.Updated: Jan 2010
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About Credit.com's Credit Cards and Prepaid Cards: Credit cards are a convenient way to maximize your spending power. From premium reward cards to accounts that help you rebuild your credit, we have the credit card for you! Credit cards help you build your credit, increase your borrowing power, and make major purchases. If your future goals include owning a home, buying a car, owning your own business, or traveling, having a credit card is an excellent first step. With credit card services from leading issuers like American Express, Bank of America, Capital One, Chase, Citibank, Discover, First PREMIER® Bank, HSBC Bank, IBERIABANK, MasterCard, Simmons First and Visa, you can find the best credit card for you at Credit.com. The key to success with credit cards is to know how to use them to your advantage and not to get caught up in the traps that lurk behind the benefits. Credit.com offers many kinds of credit card benefits, from airline and gas rewards to cashback cards, and the first step is filling out a credit card application online. You can also apply for specialty credit cards, such as student credit cards or business credit cards. Credit.com also offers credit cards for the United Kingdom and Canada. In addition to credit cards, Credit.com offers three other card options that can provide excellent choices for people with less-than-perfect credit: Prepaid cards from Mastercard and Visa allow you to load money onto the card and then use it like any other major credit card. They require no credit approval and carry the same fraud protection as the regular cards. But fees can be high, so be sure to shop carefully for a prepaid card. Secured cards require you to open a bank account and deposit funds in a bank account (security deposit) in case you can't pay the bills. You'll get a major credit card you can use anywhere those types of cards are accepted. Shop carefully for a secured card to avoid costly fees. Debit Cards issued under the Visa card or Mastercard name can be widely used and carry fraud protection. But if your card number is stolen and used, you'd want to find out immediately. Otherwise, you could bounce checks. One strategy: Have two checking accounts and associate your debit card with the one with the small balance. Just transfer the purchase amount into the account before you buy something with the card. |
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The Pros and Cons of Prepaid CardsPrepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card. Pros:
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