- Earn up to 50,000 bonus points - 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
- Earn up to 5X points per dollar on eligible business purchases, and points do not expire
- No foreign transaction fees
- Free Employee Cards
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $0 for the first year. After that $95.00. | Excellent |
- 3 points per $1 on dining out and movie purchases
- 1 point per $1 spent on all other purchases
- Redeem for Sony products, movies, music, and more
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% Until April 2013 | 13.9-24.9% (V) | 13.9-24.9% (V) | $0 | Excellent - Good |
- Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
- Earn 6 HHonors Bonus Points for each $1 spent at participating hotels within the Hilton Worldwide portfolio.*
- Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
- Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | 14.24% (V) | $0 | Excellent |
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% | 12.99%- 22.99% (V)* | 12.99-22.99% (Variable) | $0 | Excellent - Good |
- 7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit.
- No annual fee.
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime.
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program(R): big deals on big brands, all the time.
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% on Purchases for 12 months | 17.24-22.24% Variable | 17.24-22.24% Variable | $0 | Excellent |
- $150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | 12.99-22.99% Variable | $0 | Excellent |
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on
time
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0%Until June 2013 | 13.9-19.9% (V) | 13.9-19.9% (V) | $0 | Excellent - Good |
- Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
- Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
- Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
- Introductory annual fee of $0 for the first year, then $175.
- Get a decision in as little as 60 seconds.
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | Introductory annual fee of $0 for the first year, then $175 | Excellent |
- The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
- Pay in full within ten days, get a 1.5% discount
- OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
- $0 introductory annual fee for the first year, then $185
- A powerful cash flow management tool
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | No annual membership fee for the first year, then $185 | Excellent |
- Earn 50,000 Bonus Points after your first use
- Receive 1 free night stay upon account approval and each year upon account anniversary
- Earn 5 points for every $1 spent at Marriott® locations
- Card members achieve Silver elite status with 15 nights credit toward Elite status
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% (V) | 15.24% (V) | First Year Free, $85 | Excellent |
- You will get 50,000 bonus Avios after your first purchase
- 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening
- Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening
- That's enough Avios for one roundtrip business class reward ticket
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% Variable | 15.24% Variable (Variable) | $95 | Excellent |
- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
- No Annual fee for your first year - that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 14.24% (V) | 14.24% (V) | First Year Free, $45 | Excellent |
- Starpoints(R) Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel(R) Award for "Best Travel Rewards Card"
- $0 introductory annual fee for the first year, then $65
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24%-19.24% | 15.24%-19.24% | $0 introductory annual fee for the first year, then $65 | Excellent |
- Earn up to 25,000 Starpoints(R) - Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel.
- Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
- $0 introductory annual fee for the first year, then $65
- No introductory fee for the first year, a savings of $65
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 2.90% | N/A | 15.24% Variable | $0 for the first year and then $65 annually | Excellent |
- Begin with 2 Award Nights at Hyatt properties worldwide, after making your first purchase with the Hyatt Credit Card
- Receive 1 Anniversary Award Night each year in category 1-4 properties
- No foreign transaction fees and Smart Chip protection on international purchases
- 3 Hyatt Gold Passport points for every $1 spent with your Hyatt Card at all Hyatt properties
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% Variable | 15.24% Variable | $75 | Excellent |
- 25,000 Membership Rewards(R) points when you spend $2,000 during your first three months of Card membership.
- Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
- Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply.
- 24/7 Platinum Card(R) Concierge service for assistance with reservations, travel, gifts, and more
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $450 | Excellent |
- Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 1 point per dollar on all other card purchases with no limit on the amount you can earn
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
12 months | 10.24% | $0 | Excellent |
- Designed for businesses with an established credit history
- 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
- Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
- Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% | N/A | 14.24%(Variable) | $0 | Excellent |
- Designed for businesses with an established credit history
- Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% | N/A | 13.24% (Variable) | $0 | Excellent |
- FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
- Earn points even faster to get more rewards for your business
- 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else
- One million rewards from over 500 brands
- 24/7 support for everything from identity theft to travel emergencies
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $0 introductory annual fee for the first year, then $175 | Excellent |
- Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- No annual membership fee
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A |
Intro:
1.99%
6 months | 9.25-15.25% Variable | $0 | Excellent |
- Excellent credit required - applicants that do not have excellent credit will not be
approved
- Low 9.25% variable standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating
restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and
restaurants
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 9.25% | 9.25% | $0 | Excellent |
- Unlimited VIP airport lounge visits
- Redeem points for airfare on any airline with no blackouts or restrictions beginning at only 25,000 points for a ticket worth up to $500
- Zero liability provides complete protection against unauthorized purchases
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A |
Intro:
0%
15 months | 14.99% | $495 | Excellent - Good |
- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
12 months | 10.24% | $0 | Excellent |
- Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
- Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
- Redeem Membership Rewards(R) points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Introductory annual fee of $0 for the first year, then $125.
- Get a decision in as little as 60 seconds.
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $125 | Excellent |
- FOR A LIMITED TIME: Earn 25,000 Membership Rewards(R) points by spending $5,000 in the first 3 months.
- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
- 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
- Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
- Complimentary airport club access to 600+ partner lounges, a $950/yr value
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | N/A | $450 | Excellent |
Airline Miles Rewards Credit Cards Back to top
- Money Magazine's® "Most Rewarding Card if you crave free airline flights"
- 2 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem your miles for ANY travel expense
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 13.9-20.9% (V) | 13.9-20.9% (V) | $0 intro for first year; $59 after that | Excellent - Good |
- Earn 10,000 bonus miles, equal to $100 in travel
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% Until June 2012 | 11.9-19.9% (V) | 11.9-19.9% (V) | $0 | Excellent - Good |
- Get 1 point per dollar on all other purchases
- No limit on the points you can earn and points don't expire
- Redeem for travel, merchandise, gift cards and more
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% Until June 2013 | 13.9-19.9% (V) | 13.9-19.9% (V) | $0 | Excellent - Good |
- Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
- Check your first bag free-for up to 8 people on your reservation-on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Priority Boarding and 20% In-Flight Savings
- $0 intro annual fee for the first year, then $95
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | 15.24%-19.24% Variable | $0 for the first year and then $95 annually | Excellent |
- Earn up to 40,000 bonus miles and first year free, a $95 value*
- First checked bag is free for you and a companion when you fly United flights, up to a $50 value
- Board your flight before general boarding with priority boarding privileges
- Visit the United Club with two complimentary day passes every year, up to a $100 value
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% (V) | 15.24% Variable | $95, waived the first year | Excellent |
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
6 months | 10.99%- 16.99% (V)* | $60 | Excellent |
- Earn 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel or any other reward!
- 2 points per dollar spent at restaurants and 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% (V) | 15.24% | $0 | Excellent - Good |
- Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
- $0 intro annual fee for the first year, then $95
- Check your first bag FREE - for up to 9 people on your reservation - on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | 15.24-19.24% Variable | $0 intro annual fee for the first year, then $95 | Excellent |
- Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
- 2 points per dollar spent on travel and at restaurants and 1 point per dollar spent on all other purchases.
- Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate Rewardssm
- No foreign transaction fees
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% (V) | 15.24% (V) | $95 Annual Fee, Waived for the First Year | Excellent |
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
6 months | 10.99-16.99% (V)* | $0 | Excellent |
- Earn 2 miles per dollar on every purchase, every day
- Receive 5,000 bonus miles by signing up for one or more employee cards
- Enjoy exclusive, award-winning customer service
- $0 intro annual fee for the first year; $59 after that
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 13.9% (V) | 13.9% (V) | $0 intro for the first year; $59 after that | Excellent |
- Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
- Your first eligible checked bag is free*
- Priority Boarding* and 25% savings on eligible in-flight purchases*
- Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | N/A | 15.24% | $95 waived for the first 12 months | Excellent |
- The world-class service you experience when staying at The Ritz-Carlton can always be within reach with The Ritz-Carlton Rewards® Credit Card.
- Earn 50,000 points after you use your card for the first time, redeemable for a complimentary night at most of our luxury properties
- Earn 5 points per $1 spent at The Ritz-Carlton hotels, 2 points per $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants, and 1 point per $1 spent on all other purchases
- Exclusive member benefits include a $100 Hotel Credit for qualifying dining, spa, and hotel recreational activities during every two night stay or longer
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% | 15.24% | $395 | Excellent |
- NOW! Earn a FREE FLIGHT after your first purchase
- Get 3,000 Points every year on your Card member Anniversary - that can be redeemed for a $50 Wanna Get Away® Fare
- Now you can redeem for International Travel, Hotels, Gift Cards and more.
- Earn unlimited FREE FLIGHTS - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 15.24% | 15.24% | $69 | Excellent |
Cash Back Rewards Credit Cards Back to top
- 5% Cashback Bonus® in categories that change like 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
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
15 months | 10.99-20.99% (V)* | $0 | Excellent |
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% Until June 2013 | 12.9-20.9% (V) | 12.9-20.9% (V) | $0 | Excellent - Good |
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at The Home Depot and on Home Furnishing and Home and Garden purchases from 4/1/12 to 6/30/12 when you enroll.
- Full 1% cash back on all other purchases and eligible cash advances
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
12 months | 12.99-22.99% Variable | $0 | Excellent |
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1% in cash back credit on all qualifying purchases.
- No limit on cash back; no expiration date on eligibility for accounts in good standing
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A |
Intro:
1.99%
6 months | 9.25-15.25% Variable | $0 | Excellent |
- 1% cash back on all purchases
- Earn unlimited cash rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| N/A | 17.9-22.9% (V) | 17.9-22.9% (V) | $39 | Fair |
- 0% into APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%
- Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
15 months | 10.99-20.99% (V)* | $0 | Excellent |
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% | N/A | As low as 13.24% (V) | $0 | Excellent |
- Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% on Purchases for 12 months | 17.24-22.24% Variable | 17.24-22.24% Variable | $75 | Excellent |
- Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% on Purchases for 12 months | 17.24-22.24% Variable | 17.24-22.24% Variable | $0 | Excellent |
- American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express
- No limit on the cash back earned
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% on Purchases for 6 months | 15.24% | 15.24% Variable | $0 | Excellent |
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% |
Intro:
0%
15 months | 10.99-20.99% (V)* | $0 | Excellent |
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
| Intro Apr | Balance Transfer | Ongoing APR | Annual Fee | Credit Needed |
|---|
| 0% | 0% for the first 15 months | 12.99-22.99%(Variable) | $0 | Excellent - Good |
The Pros and Cons of Prepaid Cards
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 prepaid 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.
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