Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Notes:
Expert Review: The Citi® Platinum Select® / AAdvantage® World MasterCard® is perfect if you enjoy travel and have very good or excellent credit. You earn 25,000 miles if you spend $750 on purchases within the first 4 months, which is enough for an American Airlines (AA) ticket in the US and Canada, and you earn at least one mile for every $1 you spend on purchases, as well as on donations to select charities, phone and Internet service, restaurants, and much more. There are also frequent sweepstakes as well as special deals where you can earn more points at certain stores, for financial services, and on trips. The interest rates are average, the annual fee is waived for the first year, and the other fees are typical. Redeem the miles you earn with American Airlines, American Eagle, and AmericanConnection, where there are no blackout dates and there often are sales - or at over 25 top airlines, major car rental companies, cruises, and hotels, among many others. Your mileage will never expire as long as you use the card from time to time with one of the many AA partners.
Updated:
Nov 2008
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Notes:
Expert Review: With the Capital One® No Hassle Miles℠ Rewards For Travel & Gas, you'll earn three miles for every dollar you spend on travel and gas purchases and you'll earn one mile per dollar on other purchases. There's no limit on the number of miles you can collect, no expiration date on your rewards, and no annual fee. Ideal for travelers, you can fly on any airline, anytime, anywhere, with no blackout dates and no seat restrictions, and you can also redeem your miles for car rentals, hotels, cash, gift cards, charitable donations, brand-name merchandise and more. This Visa® credit card, designed for people with excellent credit, combines generous rewards with a 0% introductory rate on purchases, which is good until October 2009, at which point it's replaced by an affordable rate. There's no fee if you go over your credit limit or for balance transfers, and the other fees range from low to typical.
Updated:
Nov 2008
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Notes:
Expert Review: The Capital One® Business Platinum with Double No Hassle Miles℠ is designed for maximum mile earners. You get 2 miles for every dollar on purchases. Miles are easy to redeem with Capital One's no blackout and seat restriction policy. Somewhat higher interest rate and a $39 annual fee. Great for balance transfers and international use.
Updated:
Jun 2008
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Notes:
Expert Review: The Capital One® Business Platinum with No Hassle Miles® card provides a combination of low rates with solid rewards. You'll earn 1 mile per dollar on any purchase. You won't be charged an annual fee, a balance transfer fee, or a foreign currency conversion fee. All this, plus a low APR and a 0% introductory rate.
Updated:
Jun 2008
Earn triple rewards for purchases in your category of choice and one mile per dollar on all other purchases.
Choose from the following categories when you apply for this card: travel and lodging, gas and service stations, building supplies and hardware, computers and electronics, office supplies and furniture, advertising and shipping.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Notes:
Expert Review: The Capital One® Business Platinum with Preferred No Hassle Miles℠ account is ideal if your business requires you to travel and entertain, especially internationally. Leverage your business expenses to collect some serious rewards. Earn 2 miles per dollar on airline tickets, car rentals, cabs, hotels, restaurants, and more. This card has no annual fee, a moderate interest rate and a 0% introductory offer. Plus, no foreign purchase fees on international transactions.
Updated:
Jun 2008
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after your first purchase.
Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after your first purchase and another 2,500 for adding an additional cardmember
Earn one companion coach class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent
Miles never expire and there is no cap on the miles you can earn
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
EYC stands for "Estimated Yearly Cost." This is a handy tool that Credit.com has created to help you compare the cost of using a particular credit card with other cards.
The EYC is not a required cost for using the card. It is just a formula for comparing different credit card offers that takes into account common fees & interest charges. If you pay off your balances in full each month, you can typically avoid interest and late fees associated with using credit cards.
* We do not include balance transfer fees or international currency conversion fees.
Prepaid 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 pre-paid account will not be reported to the credit bureaus as a credit card.
Pros:
Easy approval process, no credit required
The same fraud liability protections as a standard credit card
Easy to use for online or phone purchases
Access cash from ATM machines
Less expensive than check cashing services
Cons:
Expensive fees for opening and maintaining the account
Fees for loading money on the account or using the card for purchases
Very limited, if any, reporting to the credit bureaus
Does not help improve your credit the same way a credit card or secured card would
Much more expensive than opening a checking account and using an ATM card
Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.
