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 Credit Cards By Type |
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Business cards are
beneficial for both small business owners and corporate
executives who work with large expense accounts.
Multiple cards can be acquired for one account, making
it easy to track a business's expenses. There are also
many ways to save with most business cards. Many offer
an introductory rate of 0% APR, which can include
balance transfers. In addition, they can also offer
rewards programs that offer rebates on fuel and office
supplies, or even hotel and airline accommodations.
You're bound to find the right card for your business in
the following list. Discover® Business Card (Intro APR:0.00%, Intro APR period: 12 months, Regular APR: 13.990%, Annual Fee: $0, Type of Reward: Rebate) Discover® Business Miles Card (Intro APR:0.00%, Intro APR period: 12 months, Regular APR: 13.990%, Annual Fee: $0, Type of Reward: Mile) Platinum BusinessCard with Unlimited Rewards (Intro APR:0.00%, Intro APR period: 15 months, Regular APR: 7.990%, Annual Fee: $0, Type of Reward: Point) Prepaid Credit Cards Some people have a credit situation so poor -- or have no credit at all -- that they can't even obtain a bank account, and thereby don't have a debit card. Others have such bad spending habits that they simply cannot have a credit card, lest they rack up enormous charges. Many times, the solution can be found in a prepaid credit card. These cards must be pre-loaded, so you can only spend what you have already deposited -- much like a debit card. Unfortunately, these cards do come with a number of fees -- activation and periodic fees almost always apply -- but for some, the benefits of only spending money they have outweighs the cost of the card. Here is a list of some prepaid cards to get you started. Prepaid Visa® RushCard™ ( Intro APR: None, Regular APR: None, Annual Fee: $0, Type of Reward: rebate) Millennium Advantage Pre-Paid MasterCard® ( Intro APR: None, Regular APR: None, Annual Fee: $0, Type of Reward: n/app) All-Access® Visa® Prepaid Card ( Intro APR: None, Regular APR: None, Annual Fee: $0, Type of Reward: n/app) AccountNow™ Prepaid Visa® Card (Intro APR: None, Regular APR: None, Annual Fee: $0, Type of Reward: n/app)
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Charge Cards One way to curb credit
card spending is to force yourself to pay the balance
monthly. However, since credit cards always leave open
the option of paying later and later, it's easy to
succumb to the urge. With charge cards -- led by
American Express -- that is not a problem. You're
expected to pay in full and on time every month, lest
you incur various fees and penalties. Many times, these
cards come with top of the line rewards programs, which
makes them even more attractive. They're also normally
only issued to those in very good credit standing, so
it's not a path to explore for those with bad credit who
are trying to limit themselves. Charge cards are usually
issued to those with high credit scores, because they're
the best able to pay the required balance every month.
Here is a list of some of the top charge cards out
there. Preferred Rewards Gold Card ( Intro APR: None, Regular APR: None, Annual Fee: $125, Type of Reward: Point) Preferred Rewards Green Card ( Intro APR: None, Regular APR: None, Annual Fee: $95, Type of Reward: Point) Regular Credit Cards While some of these cards come with perks -- like discounts at retailers and other merchants -- they don't have rewards programs or any other fancy features (like an introductory APR). However, there is plenty of value in a regular credit card. For instance, many rewards programs require that the applicant qualify beyond the requirements for obtaining the card. This means that a cardholder will be paying rewards card rates (which are usually higher than regular credit cards) for what is essentially a regular credit card. Regular credit cards usually have a variable APR (which means that it is based on the fluctuating Prime Rate), but typically will still be relatively low. Look through this list of regular credit cards to see which one best fits your needs. Chase Platinum MasterCard® ( Intro APR: 0%, Intro APR period: 12 months, Regular APR: 9.99%, Annual Fee: $0, Type of Reward: n/app) Pulaski Bank Visa® Card ( Intro APR: 0%, Intro APR period: 6 months, Regular APR: 14.99%, Annual Fee: $0, Type of Reward: Rebate) |
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Student Credit
Cards Many college students
have trouble obtaining traditional credit cards because
of limited personal income. Student cards offer a chance
for college students to start off on the right foot with
building their credit. Used responsibly, this will allow
them to obtain a traditional card once they graduate (or
even before). Many student cards -- including those from
Discover -- even offer students a rewards program. Most
of these cards do not carry an annual fee. However, they
also have a higher APR than most credit cards, so it is
important for a student to understand responsible
spending before applying for a student credit card. Look
through this list of student cards to find out which one
best fits your needs. ( Intro APR: 9.99%,Intro
APR period: 6 months, Regular
APR: 9.99%, Annual
Fee: $35, Type of
Reward: n/app)
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Credit Cards by Issuer
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Advanta offers a
variety of business and personal cards that can fit your
spending needs. Their specialty is platinum cards, which
offer various perks not available from other cards:
discounts on a number of services and retail outlets.
And you don't need a through-the-roof credit score to
obtain one, either. While a credit score of 600 may not
do the trick, Advanta cards can usually be obtained with
a score of around 700. This means that you can obtain a
top of the line card -- with top of the line features
and reasonable interest rates -- even if your credit is
less than perfect. Check out the following list to see
which Advanta card best fits your spending
needs. (Intro APR:0.00%, Intro
APR period: 15 months, Regular
APR: 7.990%, Annual
Fee: $0, Type of
Reward: Point) Bank of America has teamed with a number of companies to bring its customers a wide range of credit cards. They are all backed by the traditional Bank of America policy, which includes two tiers of APR. With an excellent credit score, you can quality for their lowest fixed APR (typically under 10%), while those with good and even above average credit scores can qualify for a fixed APR under 15%. The rewards programs are sponsored by such companies as Ducks Unlimited, the National Football League, and Major League Baseball. These programs offer business-specific rewards. Take a look through the Bank of America cards and pick your favorite. It will help you earn rewards fast. (Intro APR:0.00%, Regular APR: 9.990, 15.990%, Annual Fee: $0, Type of Reward: Point) Chase is one of the top banks in the country, and it has the credit card line to prove it. They offer more cards than almost any other bank, and each of their cards serves a different purpose. Student cards, poor credit cards, rewards cards, gold cards, platinum cards, retail cards, airline cards -- they're all available through Chase. Go ahead -- browse through the following list of Chase cards. Take a look at the features. Compare them. See which one fits your current credit needs. With all of the options available, you're bound to find one -- or more -- that matches up with you perfectly. With Chase, you always have a choice. Chase Platinum Visa® Card (Intro APR:0.00%, Intro APR period: 12 months, Regular APR: 9.990%, Annual Fee: $0, Type of Reward: Point) Chase PerfectCard™ MasterCard® (Intro APR:0.00%, Intro APR period: 6 months, Regular APR: 9.990%, Annual Fee: $0, Type of Reward: Rebate) Chase Flexible Rewards(SM) Platinum Visa® (Intro APR:0.00%, Intro APR period: 12 months, Regular APR: 9.990%, Annual Fee: $0, Type of Reward: Point) Chase Platinum MasterCard® (Intro APR:0.00%, Intro APR period: 12 months, Regular APR: 9.990%, Annual Fee: $0, Type of Reward: n/app) |
American Express has
long been the gold standard for credit cards. But for
years, they only offered a charge card service -- that
is, you have to pay your balance in full every month.
However, they company has fully extended into the credit
side of the business, offering a number of cards with
varying perks and interest rates. They have also
partnered with many business, including airlines and
hotels, to bring its customers the best choice in
rewards programs. Even with a normal American Express
charge card, they make their Member Rewards program one
of the best in the business. Check out all that American
Express has to offer, and see which card fits your
needs. (Intro APR:0.00 - 9.99%, Intro
APR period: 6-12 months, Regular
APR: none-14.490%, Annual
Fee: $0-125, Type of
Reward: Point, Mile, Rebate) Bank First offers a number of prepaid cards that can be an excellent starting point. They've created a multi-tier prepaid card program that allows cardholders to pump up their credit scores. They come with relatively reasonable annual fees, and even offer a referral program to help offset the yearly cost. They've even made some card partnerships that offer rewards on prepaid cards, a true rarity. Take a look through the options Bank First presents. You're bound to find a card that will fit your budget and allow you to rebuild or establish a line of credit. (Intro APR: None, Regular APR: None, Annual Fee: $0, Type of Reward: Point) Discover Since the mid-80s, the Discover Card has been a consumer friendly card. Its founding principle still holds up today: no annual fees, and higher credit limits than you'll get with most other cards. This comes in contrast to the other mainstream cards -- American Express, Visa, and MasterCard -- who at the time were charging high annual fees and giving customers smaller allowances. Of course, the other companies adapted, but the Discover Card has always been considered the consumer-friendly card. Take a look at all the options they present today. They're all annual fee-free, and most of them offer rewards programs -- including Discover's signature "Cashback Bonus Rewards." (Intro APR:0.00%, Intro APR period: 6, 12 months, Regular APR: 10.990 - 14.990%, Annual Fee: $0, Type of Reward: Rebate, Mile) U.S. Bank Travel much? If so, U.S. Bank may have a card for you. Their WorldPerks rewards program teams with Northwest Airlines to provide one of the best travel rewards programs of any credit card company. Many point-based travel rewards programs give one point per dollar spent, but with WorldPerks you can get up to five points per dollar spent. That's five times the rewards you'll get with other programs. Plus, there are no blackout dates for the rewards, as there are with many other credit card companies. So take a look around and see which card best fits you. You know that you'll get WorldPerks along with it, so you'll be saving while you spend. (Intro APR: None, Regular APR: 14.750%, Annual Fee: $55, 90, Type of Reward: Mile) |
