CardBenefit Compare and Apply for Best Credit Cards at CardBenefit 2017-09-12T14:29:52Z https://www.cardbenefit.com/feed/atom/ CardBenefit <![CDATA[Wells Fargo Cash Wise Visa® Card Review – Earn $200 Bonus and 1.5% Cash Rewards]]> http://www.cardbenefit.com/?p=19490 2017-08-31T18:37:15Z 2017-07-15T08:04:51Z Wells Fargo Cash Wise Visa Credit Cards offers one of the best cash back rewards. Card members can earn unlimited 1.5% flat cash back rewards on all purchases, and 1.8% cash rewards on purchases made by mobile wallets such as Apply Pay in the first 12 months. It also offers $200 bonus cash and no annual fee, making it one of the most competitive cash rewards credit cards on the market.

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cash back rewardsIf you would like to each steady cash back rewards for your regular purchases without dealing with rotating rewards categories, you need look no further than the Wells Fargo Cash Wise Visa® Card. The Wells Fargo Cash Wise Visa® Card is one such card which awards card members good cash back of flat 1.5% for everyday purchases, such as gasoline, groceries, supplies, etc. If you use mobile wallet such as Apply Pay or Android Pay, your cash back rewards increase to 1.8% on all purchases during the first 12 months of account opening.

The Wells Fargo Cash Wise Visa® Card also offers a $200 sign-up bonus along with no annual fee and a 0% introductory APR for purchases and balance transfers. Its sizable bonus and no-hassle cash back rewards make the Wells Fargo Cash Wise Visa® Card one of the most valuable credit cards to carry.

An Overview

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Cash Wise Visa® Card

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Cash Wise Visa® Card

Card Benefits

$200 Cash Back Bonus

With the Wells Fargo Cash Wise Visa® Card, card members can earn a $200 cash back bonus just for using their card. All you have to do to get the bonus is spend $1000 with your card in the first 3 months after opening your account. Earning the $200 bonus is like getting a 20% discount on your first $1000 in purchases and it’s an easy way to put more cash back in your pocket.

Rewards Program

On top of the new member bonus, you’ll earn cash back rewards everywhere you go. The card pays you unlimited 1.5% flat cash back on all purchases. You can also enjoy a higher cash rewards of 1.8% back on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening. The best part is, there are no rotating rewards categories for you to keep track of and your rewards never expire.

Interest and Fees

The Wells Fargo Cash Wise Visa® Card carries no annual fee, so it won’t cost you anything to earn cash back. As an added bonus, new members pay zero interest on purchases and qualifying balance transfers for the first 12 billing cycles which is great if you plan on making a large purchase or transferring a high interest balance to the card.

Is this the right card for you?

With no annual fee and an easy-to-manage rewards structure, the Wells Fargo Cash Wise Visa® Card is a great choice if you want to get more cash back on the things you buy every day.

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CardBenefit <![CDATA[Maximize Your Savings with the No Annual Fee Visa Cash Back Credit Cards]]> http://www.cardbenefit.com/?p=3858 2017-08-31T18:35:47Z 2017-07-11T04:00:59Z Some cards let you earn the same amount back on everything while others give you more cash back on certain purchases. Take a look at the no-annual-fee cash back cards from Wells Fargo, Bank of America, and Capital One to find the one that's suited to your spending style.

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cash back visa cardWhen looking for a cash back credit card, it’s important to choose one that gives you more money back on the things you buy the most. Some cards let you earn the same amount back on everything while others give you more cash back on certain purchases. Take a look at the following three no annual fee visa cash back credit cards from Wells Fargo, Bank of America and Capital One to find the one that’s suited to your spending style.

An Overview

Wells Fargo Cash Wise Visa® Card Bank of America® Cash Rewards Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Sign-up Bonus Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards Structure Earn unlimited 1.5% cash rewards on purchases. Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter Earn unlimited 1.5% cash back on every purchase, every day
Additional Perks Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
Interest Rate 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
Annual Fee None None None

 

Enrollment Bonus

When you sign up for any of the above three credit cards, you’re automatically eligible to earn a cash back bonus just for using your card. For Wells Fargo Cash Wise Visa Credit Card, you can earn a bonus cash rewards of $200 if you spend $1,000 or more in net purchases in the first 3 months. For both Bank of America® Cash Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card, you will get an extra $150 cash bonus if you make $500 in purchases in the first three months or 90 days.

Earning Cash Back

The Wells Fargo Cash Wise Visa Credit Card lets you earn unlimited 1.5% cash rewards on everyday net purchases.

The Bank of America Cash Rewards Credit Card offers you 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Plus you can earn 1% cash back on purchases everywhere, every time.

The Capital One Quicksilver Cash Rewards Credit Card gives you a solid 1.5% cash back on everything you purchase, and comes with no annual fee, no foreign transaction fee.

Additional Card Perks

With the Wells Fargo Cash Wise Visa Credit Card, Card members can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card.

With the BankAmericard Cash Rewards Credit Card, if you redeem your cash back into a Bank of America checking or savings account, you will receive a 10% customer bonus! If you are a Bank of America Preferred Rewards customer, which means you have at least $20k, $50k and $100k combined balances in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts, the additional bonus you receive can be as much as 25%, 50% and 75%. That will boost cash back on gas to 3.75%, 4.5% and 5.25% and cash back on grocery to 2.5%, 3.0% and 3.5% respectively, and you can earn up to 1.75% on all other purchases.

As for the Capital One Quicksilver Cash Rewards Credit Card, you can take advantage of its free credit track tool to easily monitor your monthly credit score anytime, anywhere.

APR and Fees

With the Wells Fargo Cash Wise Visa Credit Card, card members can take advantage of a 0% intro APR on purchases and balance transfers for the first 12 months. The card has no annual fee. If you’re planning on taking a trip outside the U.S., you’ll be subject to a 3% foreign transaction fee on purchases made with your card.

BankAmericard Cash Reward Cardmembers are subject to a 3% foreign transaction fee for overseas purchases, as well. But the card comes with no annual fee and an introductory rate of 0% for 12 billing cycles on purchases and qualifying balance transfers.

Capital One QuickSilver Cash Rewards Card charges no annual fee and no foreign transaction fee. It offers 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that. Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred.

How to maximize your savings

If you like straightforward rewards on all purchases, the Wells Fargo Cash Wise Visa Credit Card can definitely maximize your savings along with the bonus offer of $200 cash. If you want a card that constantly rewards you on gas and grocery purchases, you should go with the BankAmericard Cash Rewards Credit Card and don’t forget to open a checking or savings account with them to boost your cash back to the maximum. The Capital One Quicksilver Cash Rewards Credit Card is obviously a great all-around choice and since it has no foreign transaction fee, it is a great card for traveling abroad.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Cash Wise Visa® Card

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Bank of America® Cash Rewards Credit Card

0% intro APR
for 12 billing cycles

13.99% - 23.99% Variable APR after that

0% intro APR
for 12 billing cycles for balance transfers made in the first 60 days

13.99% - 23.99% Variable APR after that

$0

Excellent / Good CreditLearn MoreView Card Details
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Capital One® Quicksilver® Cash Rewards Credit Card

0% intro APR
for 9 months

13.99% - 23.99% (Variable) APR after that

0% intro APR
for 9 months

13.99% - 23.99% (Variable) APR after that

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Cash Wise Visa® Card
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Click here for more details on Bank of America® Cash Rewards Credit Card
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Click here for more details on Capital One® Quicksilver® Cash Rewards Credit Card

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Christina Majaski <![CDATA[Bank of America® Travel Rewards Credit Card Review – No Annual Fee, No Foreign Transaction Fee]]> http://www.cardbenefit.com/?p=15242 2017-09-04T07:37:23Z 2017-07-05T23:43:49Z If you are a cost-conscious traveler, then the Bank of America Travel Rewards® Card is the ideal card for you. This is a rewards card tailored for users who travel from time to time, and with no annual fee, no foreign transaction fee or expiration on points, you can conveniently rack up reward points at your own pace.

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If you are a cost-conscious traveler, then Bank of America® Travel Rewards Credit Card is the ideal card for you. This is a rewards card tailored for users who travel from time to time, and with no annual fee, no foreign transaction fees or expiration on points, you can conveniently rack up reward points at your own pace.

Bank of America® Travel Rewards Credit Card is offering 20,000 bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases.

With Bank of America® Travel Rewards Credit Card, you’ll earn an unlimited 1.5 points for every dollar you spend. The points can be redeemed for nearly every travel purchase imaginable – not just airfare, hotel stays or car rentals, but also baggage fees, campgrounds, cruise lines, zoos, amusement parks, tourist attractions and exhibits. If you’re a Bank of America® banking customer, you’ll also be able to earn a bonus of up to 75% if you’re eligible for the Preferred Rewards program.

An Overview

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Bank of America® Travel Rewards Credit Card

0% intro APR
for 12 billing cycles

15.99% - 23.99% Variable APR after that

15.99% - 23.99% Variable APR

$0

Excellent / Good CreditLearn MoreView Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Click here for more details on Bank of America® Travel Rewards Credit Card

Card Benefits

Sign-up bonus

If you spend at least $1000 with the card within your first 90 days of becoming a card member, you receive a bonus of 20,000 points. These bonus points can be worth a $200 travel statement credit. For a card with no annual fee, this is a very valuable sign up bonus.

Low fee

There is no annual fee and no foreign transaction fees, making the Bank of America® Travel Rewards Credit Card especially ideal for those who travel outside of the U.S. You can also use the card as little or as much as you like, without worrying about earning enough to cover an annual fee.

0% APR on purchases

The Bank of America® Travel Rewards Credit Card offers 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR.

Earn rewards points

You earn 1.5 base points for every dollar you spend with the credit card, and you will earn 3 points per dollar (consisting of 1.5 base points and 1.5 bonus points) spent in qualifying purchases made through the Bank of America Travel Center (an Orbitz-like site).

Preferred Rewards Program – earn up to 75% rewards bonuses

If you have an active bank account with Bank of America or Merrill Edge Investment, you will earn an additional 10% points bonus which will be added to the base points you earn. For example, if you earn 25,000 base points within a calendar year, you receive a bonus of 2,500 points just for having a qualifying Bank of America checking or savings account. This increases the rewards you earn to 1.65 points for each dollar.

If you are a Bank of America Preferred Rewards customer, this bonus can be as much as 25%, 50% and 75% depending on your eligible tier, which will boost your base rewards to 1.875%, 2.25% and 2.625%. For example, if you earn $100 in base rewards, your Preferred Rewards bonus will add $25, $50 or $75 to your reward earnings, totaling $125, $150 or $175.

There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts. The following chart shows the minimum balance required to qualify for gold, Platinum, Platinum Honors is $20k, $50k and $100k,respectively.

Bank of America preferred rewards program 1

Note: When your balances increase to qualify you for the next rewards tier, you will be moved up automatically. And once you reach a rewards tier, you’ll keep your program benefits for a full 12 months.

How to redeem points

You can redeem at 2,500 points for a $25 statement credit that is applied to any travel purchases such as airfare, hotel stays, rental cars, cruise lines, campgrounds, or baggage fees, for up to 12 months after the purchase. You can also redeem for $25 gift cards at 3,500 points.

Is this the right card for you?

If you value simplicity and like hassle-free travel credit cards, then the Bank of America® Travel Rewards Credit Card is the right card for you. It is one of the best travel credit cards with no foreign transaction fees and no annual fee out there. It offers a solid 1.5% back on all purchases made, which allows you to earn travel rewards without the limitations of specific purchasing categories. Furthermore, if you already bank with Bank of America or plan to in the future, you can take advantage of the extra points bonus, which will increase your base rewards up to 2.625% on each purchases. If you shop frequently, you can rack up enough points to use as travel credit, resulting in a significantly-sized savings on your next travel.

For non resident alien: you can visit a banking center near you and Bank of America will gladly assist you in completing your application. Please note, you may not be eligible for any incentive offers when applying at a banking center.

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Rebecca http:www.athomewriting.com <![CDATA[Bank of America® Cash Rewards Credit Card Review – Earn a $150 Cash Back Bonus]]> http://www.cardbenefit.com/?p=5236 2017-08-02T19:07:49Z 2017-07-05T13:09:49Z With no annual fee and an easy-to-understand rewards structure, the Bank of America Cash Rewards Credit Card is a great choice if you want to get more cash back on the things you buy every day. If you’re already a Bank of America customer, you won’t want to miss out on the additional bonuses the card offers.

The post Bank of America® Cash Rewards Credit Card Review – Earn a $150 Cash Back Bonus appeared first on CardBenefit.

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grocery-shoppingIf you don’t have a right credit card to pay for day to day expenses such as gas or groceries, you could be missing out on some big rewards. The Bank of America® Cash Rewards Credit Card is one such card which awards gasoline, grocery store, and wholesale club purchases, allowing everyday spenders to earn cash back and essentially saving you money on your daily expenses.

The Bank of America® Cash Rewards Credit Card also offers a $150 sign-up bonus along with no annual fee and a 0% introductory APR for purchases and balance transfers. Unlike other rewards cards, there are no rotating categories to keep track of and you can earn even bigger bonuses just for being a Bank of America® customer. These features, along with the rewards program, can make the Bank of America® Cash Rewards Credit Card one of the most valuable credit cards to carry.

An Overview

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Bank of America® Cash Rewards Credit Card

0% intro APR
for 12 billing cycles

13.99% - 23.99% Variable APR after that

0% intro APR
for 12 billing cycles for balance transfers made in the first 60 days

13.99% - 23.99% Variable APR after that

$0

Excellent / Good CreditLearn MoreView Card Details
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Click here for more details on Bank of America® Cash Rewards Credit Card

Card Benefits

$150 Cash Back Bonus

With the Bank of America® Cash Rewards Credit Card, card members can earn a $150 cash back bonus just for using their card. All you have to do to get the bonus is spend $500 with your card in the first 90 days after opening your account. Earning the $150 bonus is like getting a 30% discount on your first $500 in purchases and it’s an easy way to put more cash back in your pocket.

Rewards Program

On top of the new member bonus, you’ll earn cash back rewards everywhere you go. The card pays you 3% cash back on gas and 2% back on purchases at grocery stores and wholesale clubs. There is a cap of $2,500 in combined gasoline, grocery and wholesale club purchases per quarter. After that, those purchases earn 1% cash back. For all other purchases, you’ll automatically earn 1 percent cash back with no cap on how much cash back you can earn. You can request your cash back as a statement credit, check, or electronic deposit into a Bank of America® or Merrill Lynch Cash Management® Account. The best part is, your rewards never expire so you can use them whenever you like.

Loyalty Bonus

If you redeem your cash rewards through a Bank of America® checking or savings account, or Merrill Lynch Cash Management® account, you receive a bonus of 10% on the cash rewards redeemed. This increases your rate of rewards to 3.3% cash back for gas, 2.2% for groceries, and 1.1% cash back for all other purchases. This bonus can be as high as 75% of your cash rewards, depending on whether or not you are a Bank of America® Preferred Rewards customer.

Interest and Fees

The Bank of America® Cash Rewards Credit Card carries no annual fee, so it won’t cost you anything to earn cash back. As an added bonus, new members pay zero interest on purchases and qualifying balance transfers for the first 12 billing cycles which is great if you plan on making a large purchase or transferring a high interest balance to the card.

Visa Signature Benefits

If you’ve been searching for a rewards card that also offers VIP benefits, then look no further. Card members automatically enjoy Visa Signature benefits, which include 24-hour personalized concierge service when you travel, discounts at selected hotels, resorts and spas, travel and roadside assistance, purchase security, an extended warranty program, $0 fraud liability, car rental insurance and discounts on shopping, entertainment and sporting events. All of these perks are included at no additional cost to card holders.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, the Bank of America® Cash Rewards Credit Card is a great choice if you want to get more cash back on the things you buy every day. If you’re already a Bank of America® customer, you won’t want to miss out on the additional bonuses the card offers.

However, there is a cap of $2,500 in combined gasoline, grocery, and wholesale club purchases per quarter. If you spend more than $2,500 every three months on groceries and gasoline – or about $833 per month, anything over will only earn 1% cash back. In this event, you might want to use the card toward gasoline purchases more often than grocery or wholesale club purchases as gas purchases earn 1% more cash back than grocery or wholesale club purchases. Or you may want to choose a card that gives you an unlimited rewards, even if the cash back bonus might be lower.

For example, the Blue Cash Everyday Card from American Express offers you 3% cash back on grocery store purchases up to a maximum of $6,000 per year, and an unlimited 2% cash back on gasoline and department store purchases. The Barclaycard Rewards MasterCard offers unlimited 2% cash back rewards on purchases for gas, groceries and utilities. All come with no annual fee.

For non resident alien: you can visit a banking center near you and Bank of America® will gladly assist you in completing your application. Please note, you may not be eligible for any incentive offers when applying at a banking center.

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CardBenefit <![CDATA[Barclaycard Ring Mastercard Review – 0% Intro APR Credit Card]]> http://www.cardbenefit.com/?p=13733 2017-08-30T08:46:52Z 2017-06-20T15:06:57Z Barclaycard Ring MasterCard is one of the best low-interest balance transfer credit cards for debt consolidation. It is an ideal card to keep in the pocket for emergency purchases. We will show you its fantastic features to help you save money.

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low interest credit cardIf you carry a monthly balance or you are trying to pay off existing credit debt, making a balance transfer to a low interest credit card can help you get out of debt faster. The  offers  introductory APR on purchases and qualified balance transfers, and charges no balance transfer fees, no annual fees and no foreign transaction fees. That makes it one of the best credit cards to carry everyday.

The Barclaycard Ring Mastercard also includes features exclusive to the Ring credit card, such as its social community that can vote on product changes, transparency in sharing annual reports of Barclaycard Ring revenue and expenses with card members, and the Giveback program, designed as a different type of rewards program that gives a profit sharing percentage back instead of using points to calculate rewards.

– Rates and Fees

  • 0% Intro Interest Rate. The introductory APR on purchases, on qualified balance transfers for an extended months is among the best 0% intro APR offered by any credit card. This, along with no balance transfer fees, makes the one of the best money-saving balance transfer credit cards, especially if you need to transfer a balance to consolidate credit card debt. It is also an ideal go-to credit card to rely on in emergency situations when you need to make a big purchase and are unable to pay it off at the end of the month.
  • No Balance Transfer Fees and No Annual Fees. Not only there is no annual fees, but there is also no balance transfer fees. Compared with most other credit cards that usually charge 3% or more on balance transfers, the can save you a ton of money if you transfer a large balance.
  • No Foreign Transaction Fees. A few years ago, the charged a fee of 1% on foreign transactions, but its member community voted to eliminate the foreign transaction fees. This is evidence of the power of the social community – you can vote to kick out the fees you don’t like.
  • Complimentary FICO. The also includes free access to your FICO score, the score used by most lenders to determine your credit worthiness. This score often costs at least $24 per month and is free for card holders.
  • A rewards program – giveback program. Although its rewards calculation (as described below) is unlike most other rewards cards, you get something back for what you spend (unlike most low-interest credit cards).

 

– the Unique Giveback Program

In a traditional credit card rewards program, you know how the rewards you earn correlate to each dollar you spend. However, in the Giveback Program of the Barclaycard Ring, Barclaycard examines the performance of the program before determining the value of each dollar as it equates to the Giveback.

Instead of awarding you with cash back or points each time you spend, the Giveback program sets aside a Giveback pool for rewards sharing. The amount you receive from the pool is calculated and based on your statement balance totals during a Giveback period. All of the member totals are added together and then divided by the total number of qualifying statement balances, which is then multiplied by your statement balance total for the period. For example, if your eligible balances during a Giveback period is $10,000 and the Giveback pool has $20,000 rewards for the total eligible balances from all members of $1 million, your reward amount would be $200, calculated as: ($20,000 / $1 million) * $10,000 = $200.

There are other earning opportunities such as the referral bonus of $20 for each new card member referral, which is included in a separate pool. This pool is paid out according to the total referral pool divided by the total number of referral applications.

Should I choose a low interest credit card vs 0% APR credit card?

Although the ongoing interest rate of is not among the lowest, the still holds its advantages in interest rates on purchases and qualified balance transfers for an introductory period of long months, along with no balance transfer fees. In the end, the is a fantastic card that can save you money with its various no-cost features: no annual fee, no balance transfer fee, and no foreign transaction fee. Just some of the many reasons the was voted as the best overseas payments program winner by Card & Payments Awards London in February 2014. If you’re looking for a simple 0% APR card, the should definitely be on the top of your list.

Final Words

The features low fees and 0% introductory interest rates with no-fee balance transfers, making it one of the best balance transfer credit cards for debt consolidation. Its no-annual-fee and no-interest rate for an introductory period make it an ideal credit card to keep in the pocket for emergency purchases that you are not able to pay off at the end of the month. It is quite different from most other credit cards because of its unique features such as the social community and its Giveback program.

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CardBenefit <![CDATA[What is a Minimum Payment?]]> http://www.cardbenefit.com/?p=3619 2017-08-31T18:29:29Z 2017-05-21T06:16:08Z Learn what the credit card minimum payment is, avoid pitfalls of late fees and penalty, and find out how to minimize interest with right credit cards.

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credit card minimum paymentMany of you have probably noticed that the little section on your credit card bill that reads “Minimum Payment” is considerably lower than your entire bill. The convenience of owning a credit card is having the option of putting off a bill, like a loan, and paying it later. You still have to pay something every month if you want to avoid any penalty fees, though. That is where the minimum payment comes in — the lowest amount of money that you are required to pay on your credit card statement each month.

Credit card companies are required to set the minimum fee so it is possible to bring your balance down, provided you don’t charge anything extra to your balance.

Minimum Fee Calculation

Every credit card company will stipulate their minimum payment calculations in the agreement you initially sign. This will either be a flat fee, or it will be a percentage of your outstanding balance.

If your minimum payment is based on a percentage of your balance, it could be anywhere between 1% and 5% on average. If it is calculated based on a flat fee, it is all fees and interest due that month, plus 1 percent of the principal amount owed. Again, this will be specified in the terms you initially agreed to when you signed up with your credit card.

Pitfalls

Paying the minimum on occasion is not a bad thing. However, it can be a dangerous habit to get into. With the interest accrued on your balance the next month, as well as the additional charges added with your next month’s statement, your balance will continue to grow. Becoming dependent on those minimum payments will not lessen your balance if you continue adding charges to your account. This is how many people fall into debt.

Failure to pay at least the minimum payment will not only bring on penalty fees, but it can also damage your credit rating, and in worse cases, cause the credit card company to take legal action in recovering the money they lent you with their credit card.

Low Interest Credit Cards

Although all credit cards have a minimum fee, some credit cards are less of a worry than others. If you think you are the type of person who depends too much on paying the minimum, you can use 0% introductory APR credit cards to make the minimum monthly payment and take advantage of the 0% interest for the rest of the account balance for an extended period of 15 months or so. After the introductory period, you may apply for another 0% interest credit card or you may also choose a low interest credit card to minimize the interest cost.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Wells Fargo Propel American Express® Card

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Wells Fargo Cash Wise Visa® Card

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

0% intro APR
for 12 months

13.99% - 25.99% (Variable) APR after that

$0

Good / Excellent CreditLearn MoreView Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn 20,000 bonus points after spending $1,000 in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Propel American Express® Card
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Click here for more details on Wells Fargo Cash Wise Visa® Card

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Ben <![CDATA[Credit One Bank Card with 1% Cash Back]]> http://www.cardbenefit.com/credit-one-bank-card-with-1-cash-back/ 2017-04-28T16:20:04Z 2017-04-28T16:20:04Z Read More

The post Credit One Bank Card with 1% Cash Back appeared first on CardBenefit.

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Card Issuer
Credit One Bank
Network
Visa
Card Category
Limited Or No Credit
Credit Recommended
Fair
Rate this credit card:  

Reward Details
Rewards
1% cash back on eligible purchases, terms apply.

  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Click here for more details on Credit One Bank® Platinum Credit Card with Rewards
Intro APR
N/A
Intro APR Period
N/A
Regular APR
16.99% - 24.99% Variable
Annual Fee
$0 - $99

Featured Credit Cards for Limited Or No Credit

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Ben <![CDATA[Credit One Bank – Earn More Credit Fast]]> http://www.cardbenefit.com/credit-one-bank-earn-more-credit-fast/ 2017-04-28T16:20:04Z 2017-04-28T16:20:04Z Read More

The post Credit One Bank – Earn More Credit Fast appeared first on CardBenefit.

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Card Issuer
Credit One Bank
Network
Visa
Card Category
Bad Credit
Credit Recommended
Poor
Rate this credit card:  

Reward Details
Rewards
Eligible purchases will automatically get you 1% cash back, terms apply.

  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card-not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
  • Click here for more details on Credit One Bank® Unsecured Platinum Visa®
Intro APR
N/A
Intro APR Period
N/A
Regular APR
16.99% - 24.99% Variable
Annual Fee
$0 - $99

Featured Credit Cards for Bad Credit

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Ben <![CDATA[Credit One Platinum Visa with Free Monthly Credit Score Tracking]]> http://www.cardbenefit.com/credit-one-platinum-visa-with-free-monthly-credit-score-tracking/ 2017-04-28T16:20:04Z 2017-04-28T16:20:04Z Read More

The post Credit One Platinum Visa with Free Monthly Credit Score Tracking appeared first on CardBenefit.

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Card Issuer
Credit One Bank
Network
Visa
Card Category
Limited Or No Credit
Credit Recommended
Fair
Rate this credit card:  

Reward Details
Rewards
Receive 1% cash back on eligible purchases, terms apply.

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
  • Click here for more details on Credit One Bank® Platinum Visa®
Intro APR
N/A
Intro APR Period
N/A
Regular APR
16.99% - 24.99% Variable
Annual Fee
$0 - $99

Featured Credit Cards for Limited Or No Credit

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CardBenefit <![CDATA[Capital One Premier Dining Rewards Credit Card]]> http://www.cardbenefit.com/capital-one-premier-dining-rewards-credit-card/ 2017-04-15T15:15:25Z 2017-04-15T15:06:43Z Capital One Premier Dining Rewards Credit Card offers 3% cash back on dining, 2% back on groceries, along with $100 bonus cash. It has no annual fee.

The post Capital One Premier Dining Rewards Credit Card appeared first on CardBenefit.

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Apply online for Capital One Premier Dining Rewards Credit Card
Card Issuer
Capital One
Network
Mastercard
Card Category
Dining, Grocery, No Annual Fee
Credit Recommended
Excellent, Good
Rate this credit card:  

Reward Details
Bonus Rewards
One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening.
Rewards
Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases. No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn.
Additional Benefits
This card has no balance transfer fee, no foreign transaction fee, no annual fee.


Featured Credit Cards for Dining, Grocery, No Annual Fee

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