Credit Cards Compare and Apply for Best Credit Cards at CardBenefit 2015-03-03T20:15:04Z http://www.cardbenefit.com/feed/atom/ WordPress CardBenefit <![CDATA[Cash Back Credit Cards]]> http://www.creditfaves.com/?page_id=263 2015-03-01T22:25:13Z 2015-02-27T15:26:29Z Read More

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Cash back credit cards are now offering cash rewards ranging from 1% to 6% on everyday purchases such as supermarkets, gas stations, grocery stores, restaurants, department stores, etc.

Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase you make with no annual fee and no foreign transaction fee. Citi Double Cash Card has no annual fee and offers 1% cash back when you buy, plus 1% cash back as you pay for those purchases, whether you pay in full or over time. Blue Cash Preferred Card from American Express rewards you 6% cash back on your first $6,000 purchases each year in grocery stores. Some personal cash back credit cards give out $150 – $200 cash back bonus when running limited time promotions.

Check out the cash back credit cards from Citi, Capital One, Chase, American Express, Bank of American and USAA that stands out. (About Our Partners)

BankAmericard Cash Rewards Credit Card
Apply for BankAmericard Cash Rewards Credit Card Online

BankAmericard Cash Rewards™ Credit Card

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee†
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
  • Click here for more details on BankAmericard Cash Rewards™ Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and qualifying Balance Transfers*12 billing cycles*12.99% - 22.99% Variable*$0

Chase Freedom
Apply for Chase Freedom Online

Chase Freedom ®

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15-3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You'll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
  • Click here for more details on Chase Freedom ® from Chase
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 months13.99% - 22.99% Variable$0

Capital One Quicksilver Cash Rewards Credit Card
Apply for Capital One Quicksilver Cash Rewards Credit Card Online

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker-the free way to easily monitor your monthly credit score anytime, anywhere
  • Click here for more details on Capital One® Quicksilver® Cash Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfersuntil November 201512.9% - 22.9% (Variable)$0

Blue Cash Preferred Card from American Express
Apply for Blue Cash Preferred Card from American Express Online

Blue Cash Preferred® Card from American Express

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • Click here for more details on Blue Cash Preferred® Card from American Express
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 months12.99% - 21.99% Variable$75

Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express Online

Blue Cash Everyday® Card from American Express

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • Click here for more details on Blue Cash Everyday® Card from American Express
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 months12.99% - 21.99% Variable$0

True Earnings Card from Costco and American Express
Apply for True Earnings Card from Costco and American Express Online

TrueEarnings® Card from Costco and American Express

  • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
  • You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
  • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
  • Terms and restrictions apply
  • Click here for more details on TrueEarnings® Card from Costco and American Express
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases6 months15.24% variableNo Annual Fee with your paid Costco Membership

U.S. Bank Business Edge Cash Rewards Card
Apply for U.S. Bank Business Edge Cash Rewards Card Online

U.S. Bank Business Edge™ Cash Rewards Card

Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers9 billing cycles11.99% - 17.99%* (Variable)$0*

Ink Cash Business Credit Card
Apply for Ink Cash Business Credit Card Online

Ink Cash® Business Credit Card

  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee
  • Click here for more details on Ink Cash® Business Credit Card from Chase
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers12 months13.24% VariableNo Annual Fee

SimplyCash Business Card from American Express
Apply for SimplyCash Business Card from American Express Online

SimplyCash® Business Card from American Express

  • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by June 23, 2015
  • With no annual membership fee, it's a smart choice for your business
  • Reinvest in your business with automatic cash back
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
  • 3% on the category of your choice and 1% on other purchases
  • On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
  • Terms and limitations apply
  • Click here for more details on SimplyCash® Business Card from American Express
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases9 months12.24% - 19.24% VariableNo annual fee

Capital One QuicksilverOne Cash Rewards Credit Card
Apply for Capital One QuicksilverOne Cash Rewards Credit Card Online

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until November 2015; 22.9% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud Coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Click here for more details on Capital One® QuicksilverOne® Cash Rewards Credit Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfersuntil November 201522.9% (Variable)$39

Citi Double Cash Card
Apply for Citi Double Cash Card Online

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back twice on every purchase with:
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee
  • Click here for more details on Citi® Double Cash Card from CitiBank
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers15 months*12.99% - 22.99%* (Variable)$0*

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Andrew <![CDATA[How to Apply for Business Credit Cards as a Sole Proprietorship]]> http://www.cardbenefit.com/?p=9240 2015-02-28T06:30:08Z 2015-02-27T14:28:27Z Read More

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Many business credit cards offer fabulous deals. Some of those deals are much better than those of consumer credit cards. But many people stop short of applying for business credit cards because they mistakenly believe that they need to run a corporation or LLC business to qualify for a business credit card. This is not the case. Anyone can apply for business credit cards even if they are not part of a corporation or LLC. Just use your own name as the business name and use your Social Security Number (SSN) as the Tax ID to apply for business credit cards.

Why? Because an individual can be a business too. The type of the business is called a sole proprietorship, which is the simplest business entity. Sole proprietorship is completely legit and is recognized by the Internal Revenue Services (IRS). In a sole proprietorship, your name is your business name and your SSN is your business Tax ID. For example, you can be a sole proprietor if you are a self-employed CPA, or you are doing independent contract work for a company, or if you are just selling items through online sites like eBay or through garage sales.

When applying for a business credit card, you have to indicate your SSN and the Tax ID of the business, which you can simply put down your SSN for both fields. For the vast majority of business credit cards, even if you are part of a corporation or LLC, you will still be personally liable for business debts and credit card issuers use your own credit report to determine on your qualification. That’s why they’ll always ask for your SSN. Once you have established enough business credit, your company will be recognized as a separate entity and your personal credit will not be as much of an issue.

For example, here is an example screen shot of applying for the Chase Ink Cash Business Card. You can see that SSN is suggested as a valid option for the business tax identification number.

You also don’t need to worry about any filings with the IRS for using business credit cards. You can simply use your business credit cards for regular daily purchases and pay off the balances as you would do with a typical credit card.

In addition, for most business credit cards, the credit card itself won’t show up in your personal credit report. This means that you can open many new accounts, max out the credit limits without affecting your personal credit score. This also means you can save thousands of dollars by taking advantage of the 0% Balance Transfer offers from business credit cards without worrying about your credit score.

With many business credit cards offering attractive perks, don’t forget to check out those deals from time to time.

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CardBenefit <![CDATA[Dining Credit Cards]]> http://www.creditfaves.com/?page_id=271 2015-02-27T18:10:50Z 2015-02-26T16:21:41Z Read More

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For those people who frequent restaurants, dining may be one of the largest expenses in your credit card bills. With dining credit cards, you can earn 2%-3% restaurant rewards when you eat out. Save money with one of the best dining credit card promotions that fit your lifestyle. (About Our Partners)

IHG Rewards Club Select Credit Card
Apply for IHG Rewards Club Select Credit Card Online

IHG® Rewards Club Select Credit Card

  • Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
  • Enjoy a free night of card membership at over 4,700 hotels worldwide
  • Earn 5 points for each $1 spent at our hotels
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
  • Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®.
  • Automatic platinum elite status, as long as you remain a cardmember
  • $0 introductory annual fee the first year, then $49
  • Click here for more details on IHG® Rewards Club Select Credit Card from Chase
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A15.99% Variable$0 introductory annual fee the first year, then $49

Barclaycard Arrival Plus World Elite MasterCard
Apply for Barclaycard Arrival Plus World Elite MasterCard Online

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases - Miles don't expire as long as your account is open, active and in good standing
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers
  • Click here for more details on Barclaycard Arrival Plus™ World Elite MasterCard® from Barclays
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Balance Transfers12 months14.99% or 18.99%* Variable$89 - Waived first year

True Earnings Card from Costco and American Express
Apply for True Earnings Card from Costco and American Express Online

TrueEarnings® Card from Costco and American Express

  • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
  • You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
  • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
  • Terms and restrictions apply
  • Click here for more details on TrueEarnings® Card from Costco and American Express
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases6 months15.24% variableNo Annual Fee with your paid Costco Membership

PlayStation Card from Capital One
Apply for PlayStation Card from Capital One Online

PlayStation® Card from Capital One®

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until December 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee
  • Click here for more details on PlayStation® Card from Capital One®
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchasesuntil December 201513.9% - 24.9% (Variable)$0

Sony Card from Capital One
Apply for Sony Card from Capital One Online

Sony Card from Capital One®

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 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 & more
  • 0% intro APR on purchases until December 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee
  • Click here for more details on Sony Card from Capital One®
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchasesuntil December 201513.9% - 24.9% (Variable)$0

Marriott Rewards Premier Credit Card
Apply for Marriott Rewards Premier Credit Card Online

Marriott Rewards® Premier Credit Card

  • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
  • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that's up to 7 Free Nights
  • Receive 1 additional Free Night Stay at a Category 1-5 location every year after your account anniversary date!
  • Introductory Annual Fee of $0 the first year, thereafter $85
  • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
  • Receive 15 credits guaranteeing Silver Elite Status or better
  • Unlimited Point Accumulation
  • No Foreign Transaction Fees and global Chip and Signature technology
  • Click here for more details on Marriott Rewards® Premier Credit Card from Chase
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A15.99% Variable$0 Intro Annual Fee for the first year, then $85

U.S. Bank FlexPerks Travel Rewards American Express Card
Apply for U.S. Bank FlexPerks Travel Rewards American Express Card Online

U.S. Bank FlexPerks® Travel Rewards American Express® Card

  • Earn 20,000 enrollment FlexPoints with a new FlexPerks Travel Rewards Card after you spend $3,500 in Net Purchases on your Card within the first four months of account opening.
  • 2X FlexPoints at restaurants and on fast food. Plus, use your Card at select membership warehouse clubs.
  • 2X FlexPoints on gas, grocery or airfare - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
  • No Foreign Transaction Fees.
  • Redeem for rewards you want - Redemption starts at 1,700 points for brand name merchandise, 2,500 points for gift cards, and 5,000 points for cash back.
  • Additionally, 25,000 points may be redeemed for one airline ticket (up to a $400 value) on over 150 airlines with no blackout dates.
  • Travel Advisor Fee: $25
  • Click here for more details on U.S. Bank FlexPerks® Travel Rewards American Express® Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A13.99% - 23.99%* (Variable)$0 for the first year, then $49*

Ink Cash Business Credit Card
Apply for Ink Cash Business Credit Card Online

Ink Cash® Business Credit Card

  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Free employee cards
  • No Annual Fee
  • Click here for more details on Ink Cash® Business Credit Card from Chase
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers12 months13.24% VariableNo Annual Fee

U.S. Bank Business Edge Select Rewards Card
Apply for U.S. Bank Business Edge Select Rewards Card Online

U.S. Bank Business Edge™ Select Rewards Card

  • Get 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • No annual fee
  • Click here for more details on U.S. Bank Business Edge™ Select Rewards Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases9 billing cycles11.99% - 17.99%* (Variable)$0*

Citi ThankYou Preferred Card - Earn 30,000 Bonus Points
Apply for Citi ThankYou Preferred Card - Earn 30,000 Bonus Points Online

Citi ThankYou® Preferred Card - Earn 30,000 Bonus Points

  • Earn 30,000 bonus ThankYou® Points after $2,000 in card purchases within 4 months of account opening - redeemable for $300 in gift cards or other great rewards!
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • Click here for more details on Citi ThankYou® Preferred Card - Earn 30,000 Bonus Points from CitiBank
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A12.99% - 22.99% (Variable)$0*

Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
Apply for Citi ThankYou Preferred Card - Earn 20,000 Bonus Points Online

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
  • Click here for more details on Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points from CitiBank
Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases and Balance Transfers*12 months*12.99% - 22.99%* (Variable)$0*

Citi Prestige Card
Apply for Citi Prestige Card Online

Citi Prestige® Card

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 30,000 bonus ThankYou® Points after $2,000 in purchases made with your card in the first 3 months the account is open.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases
  • Travel with ease and enjoy chip based technology
  • Click here for more details on Citi Prestige® Card from CitiBank
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A15.24%* (Variable)$450

Citi ThankYou Preferred Card for College Students - Earn 2,500 Bonus Points
Apply for Citi ThankYou Preferred Card for College Students - Earn 2,500 Bonus Points Online

Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points

Intro APRIntro APR PeriodRegular APRAnnual Fee
0% on Purchases7 months13.99% - 23.99%* (Variable)$0

The post Dining Credit Cards appeared first on Credit Cards.

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Rebecca http:www.athomewriting.com <![CDATA[Pay No Credit Card Late Payment Fees With Citi Simplicity Card]]> http://www.cardbenefit.com/?p=3749 2015-02-23T02:37:51Z 2015-02-22T16:26:08Z Read More

The post Pay No Credit Card Late Payment Fees With Citi Simplicity Card appeared first on Credit Cards.

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no late fees, no annual fee, no penalty rateIf you’ve ever paid your credit card bill after the due date, you’ve probably been charged a credit card late payment fee. When you frequently forget to make your payment on time, you could see your balance go up instead of down as additional late fees and interest are added on. Citi realizes that it’s not always possible to make your payment on time and they now offer Citi Simplicity MasterCard which charges no late fees, no penalty rate and no annual fee.

No Late Fees and No Penalty Rate

With the Citi Simplicity MasterCard, you never have to pay a late fee, even when you pay your bill after the due date. You also don’t have to worry about having your interest rate increased to the default rate if you miss a payment or go over your credit limit. These two features can save you a significant amount in interest and fees if you end up having to pay late.

Late Payments vs. Non-Payment

The Citi Simplicity Card also allows you to take advantage of a 0% APR on purchases and balance transfers for the first 18 months. Even if you pay late during the introductory period, you still won’t have to worry about paying a late fee or losing your 0% rate. This doesn’t mean that you can forgo making any type of payment at all during the promotional period. You’ll still be expected to pay at least the minimum amount due each month in order to keep your account in good standing. Once the promotional period ends, your APR will switch to a variable rate ranging from 12.99% - 22.99%* (Variable). If you frequently pay late or not at all, you’ll most likely end up paying the highest rate which will only cost you more money in the long run.

Late Payments and Your Credit Score

While Citi won’t enforce a penalty rate or late fee for overdue payments, they will report late payments to the three major credit reporting bureaus each month. Having even a single late or missed payment on your credit could cause your score to drop as much as 100 points. When you repeatedly pay your account late or miss payments altogether, it can result in significant damage to your credit score. As your credit score drops, your other card issuers may opt to hike up your interest rates and you may find it difficult to get approved for new credit card accounts. While the Citi Simplicity Card can help you to save on late fees, you still need to pay your bill on time if you want to protect your credit score. Fortunately, Citi Simplicity Card allow you to set up alert, so that Citi will remind you about your payments due, when you go over your credit limit or balance levels directly on your mobile or by email.

Conclusion

The Citi Simplicity MasterCard’s No-Late Fee Feature is a great tool if you occasionally forget to make your payments on time. With a great introductory APR and no late fee, the card is an excellent low-cost choice if you need some additional flexibility when it comes to making payments.

The post Pay No Credit Card Late Payment Fees With Citi Simplicity Card appeared first on Credit Cards.

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admin <![CDATA[Milestone Gold MasterCard]]> http://www.cardbenefit.com/milestone-gold-mastercard-2/ 2015-03-03T20:15:04Z 2015-02-21T23:38:11Z Read More

The post Milestone Gold MasterCard appeared first on Credit Cards.

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Apply online for Milestone Gold MasterCard
Apply on line for Milestone Gold MasterCard
Card Issuer: Mid America Bank Network: MasterCard
Card Category:  Bad Credit Credit Required:  Bad
Rate this credit card:  


Milestone Gold MasterCard
Apply for Milestone Gold MasterCard Online

Milestone Gold MasterCard®

  • Previous bankruptcy OK
  • Quickly pre-qualify with no impact to your credit score
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Choose your custom card design - Free
  • Free online account access - 24/7
  • Click here for more details on Milestone Gold MasterCard®
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A23.9%$35 - $99*


Featured Credit Cards for Bad Credit

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admin <![CDATA[Milestone Gold MasterCard]]> http://www.cardbenefit.com/milestone-gold-mastercard/ 2015-02-21T23:22:23Z 2015-02-21T23:22:23Z Read More

The post Milestone Gold MasterCard appeared first on Credit Cards.

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Apply online for Milestone Gold MasterCard
Apply on line for Milestone Gold MasterCard
Card Issuer: Mid America Bank Network: MasterCard
Card Category:  Average Credit Credit Required:  Excellent
Rate this credit card:  


Milestone Gold MasterCard
Apply for Milestone Gold MasterCard Online

Milestone Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card
  • Click here for more details on Milestone Gold MasterCard®
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A23.9%$35 - $99*


Featured Credit Cards for Average Credit

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admin <![CDATA[EverBank Yield Pledge Checking]]> http://www.cardbenefit.com/everbank-yield-pledge-checking/ 2015-02-17T04:10:40Z 2015-02-17T04:10:40Z Read More

The post EverBank Yield Pledge Checking appeared first on Credit Cards.

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Apply online for EverBank Yield Pledge Checking
Apply on line for EverBank Yield Pledge Checking
Card Issuer: EverBank Network:
Card Category:   Credit Required:  
Rate this credit card:  

Reward Details
Rewards
Six Month Bonus Rate of 1.40% with First Year APY of .93%.


EverBank Yield Pledge Checking
Learn more for EverBank Yield Pledge Checking Online

EverBank Yield Pledge Checking

  • Six Month Bonus Rate of 1.40% with First Year APY of .93%


Featured Credit Cards

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admin <![CDATA[primor Secured MasterCard Gold Card]]> http://www.cardbenefit.com/primor-secured-mastercard-gold-card/ 2015-02-17T03:42:40Z 2015-02-17T03:42:40Z Read More

The post primor Secured MasterCard Gold Card appeared first on Credit Cards.

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Apply online for primor Secured MasterCard Gold Card
Apply on line for primor Secured MasterCard Gold Card
Card Issuer: First Choice Bank Network: MasterCard
Card Category:  Secured Card Credit Required:  Bad
Rate this credit card:  


primor Secured MasterCard Gold Card
Apply for primor Secured MasterCard Gold Card Online

primor® Secured MasterCard Gold Card

  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details
  • Click here for more details on primor® Secured MasterCard Gold Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A9.99%$49


Featured Credit Cards for Secured Card

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admin <![CDATA[primor Secured MasterCard Classic Card]]> http://www.cardbenefit.com/primor-secured-mastercard-classic-card/ 2015-02-17T03:40:20Z 2015-02-17T03:40:20Z Read More

The post primor Secured MasterCard Classic Card appeared first on Credit Cards.

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Apply online for primor Secured MasterCard Classic Card
Apply on line for primor Secured MasterCard Classic Card
Card Issuer: First Choice Bank Network: MasterCard
Card Category:  Secured Card Credit Required:  Bad
Rate this credit card:  


primor Secured MasterCard Classic Card
Apply for primor Secured MasterCard Classic Card Online

primor® Secured MasterCard Classic Card

  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • See application for additional details
  • Click here for more details on primor® Secured MasterCard Classic Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A13.99%$39


Featured Credit Cards for Secured Card

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admin <![CDATA[primor Secured Visa Gold Card]]> http://www.cardbenefit.com/primor-secured-visa-gold-card/ 2015-02-17T02:55:55Z 2015-02-17T02:55:55Z Read More

The post primor Secured Visa Gold Card appeared first on Credit Cards.

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Apply online for primor Secured Visa Gold Card
Apply on line for primor Secured Visa Gold Card
Card Issuer: First Choice Bank Network: Visa
Card Category:  Secured Card Credit Required:  Bad
Rate this credit card:  


primor Secured Visa Gold Card
Apply for primor Secured Visa Gold Card Online

primor® Secured Visa Gold Card

  • Fast, easy application process
  • NO PROCESSING OR APPLICATION FEES!
  • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!
  • REPORTS TO ALL THREE NATIONWIDE CREDIT BUREAUS
  • Guaranteed Approval*
  • As Long As Your Monthly Income Exceeds Your Monthly Expenses By $100 or More!*
  • *See application for additional details
  • Click here for more details on primor® Secured Visa Gold Card
Intro APRIntro APR PeriodRegular APRAnnual Fee
N/AN/A9.99%$49


Featured Credit Cards for Secured Card

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