Blue Cash(SM) from American Express®
 
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Blue from American Express®   Citi® Diamond Preferred® Rewards MasterCard®   Chase Bank PerfectCardTM MasterCard®
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Discover® Card

More® Card

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus®.*
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Citibank

Citi® Diamond Preferred® Rewards MasterCard®

0% APR on BT for up to 12 months.
No Annual Fee.
Earn 5 Reward Points for every $1 you spend on purchases at supermarkets, drugstores, and gas stations for 12 months.
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Citibank

Citi CashReturnsSM Card

0% APR on Balance Transfers for up to 12 months.
No Annual Fee.
Earn up to 6% Cash Back on purchases.
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American Express

Blue from American Express®

0% APR on Purchases for up to 12 months.
No Annual Fee.
2.99% Fixed APR on BT for first 12 months.
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Discover® Card

Discover® Open Road® Card

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month.
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American Express

Blue Cash® from American Express

0% Intro APR for up to 12 months on Purchases.
No Annual Fee.
Earn up to 5% Cash Back on everyday Purchases - even gas!
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Chase Bank

Platinum Visa®

0% Intro APR for up to 12 months.
No Annual Fee.
Free Online Account Access.
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Chase Bank

PerfectCard™ MasterCard®

0% Intro APR for up to 6 months.
No Annual Fee.
6% Automatic Rebates on all eligible gas purchases at any gas station for the first 90 days.
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Discover® Card

More® Card - Clear

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus®.*
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POINT REWARD CARDS

POINT REWARD CARDS

POINT REWARD CARDS
TRAVEL & MILE CARDS

TRAVEL & MILE CARDS

TRAVEL & MILE CARDS
CARDS FOR BUSINESS

CARDS FOR BUSINESS

CARDS FOR BUSINESS
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Chase Bank

Flexible Rewards Platinum Visa®

0% Intro APR for up to 12 months.
No Annual Fee.
Earn 1 point for every $1 you spend.
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Discover® Card

Miles by Discover®Card

0% Intro APR on Purchases and Balance Transfers for 6 months.
No Annual Fee.
Book any travel, anytime with no blackout dates or restrictions.
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Citibank

CitiBusiness Card® with ThankYou Network®

0% APR on purchases for 12 months.
No Annual Fee.
10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card.
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Chase Bank

Disney Rewards® Visa®

0% Intro APR for up to 12 months.
No Annual Fee.
No block-out dates.
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American Express

Gold Delta SkyMiles® Credit Card

9.99% APR on Balance Transfer for the first 12 months.
First Year Fee-Free, $95 thereafter.
20,000 bonus miles after first purchase.
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Advanta Bank

Advanta Platinum BusinessCard with Unlimited Rewards

0% APR on Balance Transfers for 15 months.
7.99% Fixed APR thereafter.
No Annual Fee.
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Citibank

Citi PremierPass MasterCard®

0% APR on Balance Transfer for up to 12 months.
No Annual Fee.
10,000 bonus points after $300 in purchases made within 3 months of account opening - enough for a $100 gift card.
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American Express

Blue Sky from American Express

0% Intro APR for up to 12 months on Purchases.
No Annual Fee.
Earn 1 point for every dollar you spend.
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Discover® Card

Discover® Business Card®

0% Intro APR on Purchases for 12 months.
No Annual Fee.
5% Cashback Bonus on office supplies, 2% on gas and up to 1% on all other purchases.
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BAD CREDIT CARDS

BAD CREDIT CARDS

BAD CREDIT CARDS
CARDS FOR STUDENTS

CARDS FOR STUDENTS

CARDS FOR STUDENTS
U.K. CREDIT CARDS

U.K. CREDIT CARDS

U.K. CREDIT CARDS
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First PREMIER® Bank

Gold MasterCard®/Visa

Low APR on Purchases.
Instant Response!
Less Than Perfect Credit OK.
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Citibank

Citi® mtvU™ Platinum Select® Visa® Card for College Students

0% Intro APR for 6 Months.
No Annual Fee.
Earn 1 ThankYou Points® for every dollar you spend on all purchases.
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American Express U.K.

Platinum Cashback Credit Card

Typical 18.9% APR variable.
No Annual Fee.
5% Cashback for the first 3 months up to £200.
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First PREMIER® Bank

Centennial Gold MasterCard®/Visa

Less Than Perfect Credit OK.
Low APR on Purchases.
$50 Credit Limit Increase by Making your first 2 Minimum Payments on time!
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Discover® Card

Discover® Student Card

0% Interest on Purchases for 6 months.
No Annual Fee.
5% Cashback Bonus® in categories that change four times a year like travel, gas, restaurants, movies, and more.
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American Express U.K.

Red Card

Typical 16.9% APR variable.
No Annual Fee for life.
1% of spend contributed to the global fund.
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First PREMIER® Bank

MasterCard®/Visa

Less Than Perfect Credit OK.
Low APR on Purchases.
Receive a Response in 60 Seconds.
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Chase Bank

Chase +1SM Credit Card

0% Intro APR on Purchases for 3 months.
No Annual Fee.
Get Karma Points to use in the +1 Store.
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HFC Bank

GM MasterCard®

0% p.a. on all purchases and balance transfers, fixed for the first 5 months from account opening.
No Annual Fee.
Typical 14.9% APR variable.
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The following credit cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
Site FAQ
Frequently Asked Questions
Previous Balance
Previous Balance. As the name suggests, this balance is simply the amount that you owed at the end of the previous billing period. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your account is computed, ask the card issuer. (An explanation of how the balance was determined must appear on the billing statements the card issuer provides you and on applications and pre-approved solicitations the card issuer may send you.)

Pay by Phone
If you are in doubt whether your payment will arrive on time, you may call your credit card issuer and make a payment by phone. It may cost you anywhere from $5 to $30, but you will avoid paying a much more costly late fee. To make a payment by phone, all you need to provide is your bank?s account and routing numbers, printed on the bottom of your check and a check number you wish to use. Remember, however, that you will not be able to use a check, whose number you had used for credit card payment.

Be wary of credit card application
A credit card works differently. With a credit card, someone has given you a fixed line of credit. Say, $1000. Anytime you use your credit card, the amount is deducted from your credit line. Then each month you will get a bill. You can either pay all that you owe or only pay a required minimum of the balance due. What you don?t pay will stay on your account and collect interest each month until it is paid off. This might sound like a great thing: buy now, pay later. However, the interest can quickly multiply and cost you much more than you ever spent to start with.

Credit Limit
Every credit card has a credit limit. It can be anywhere from a few hundred dollars to $250,000. There are even cards, such as the MBNA Quantum Card, that has a credit limit of $1 million. This limit is all you are allowed to spend. Once you charge the full limit on your card, your card can not be used until the balance is paid down some. The more you charge on your credit card, the higher your minimum monthly payment will be. Some cards do not prevent you from charging over your credit limit. If you do so, you will find your next monthly bill has over the limit fees added to your balance. You will then be required to pay the total amount over the limit and all the penalty fees in order to avoid even more over the limit fees the next billing cycle. (Change to: You will then be required to pay at least an amount you charged over credit limit and all the penalty fees, in order to avoid even more over the limit fees the next billing cycle) As you can see, your credit card bill could easily grow out of control if you get over the limit. The moral is, stay under your credit limit!

Cash Advance
Many credit cards allow cash advances When you get a cash advance off your credit card, you either use your card to get cash from your bank teller or ATM machine, or you use one of the paper checks that came with your credit card. A cash advance can help you when you are short on cash and desperately need it, but it can also cost you much more than a regular charge on your credit card. There is usually an initial fee just for getting a cash advance and a higher interest rate on the cash amount borrowed. These fees add to your balance owed and can make your balance grow more each month than you anticipate. For these reasons, you should limit cash advances to emergency situations.

Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?two years for employment related requests.

Automatic Online, On-time Payments
In the era of everything e-commerce, online banking is not trailing behind. Besides checking your account balance, you can now set up automatic payments to be made from your checking account. As far as the amount is concerned, you may elect to have a ?minimum due? or full payment withdrawn. This is an especially great feature for all of us who pay credit card bills late, and get slapped with a $29-$35 late fees. Call your bank today and ask whether it offers automatic payment service.

Credit Protection Overseas
The Fair Credit Billing Act does apply to overseas purchases, which is one reason why you may choose to pay by credit card instead of cash or check. To dispute a charge under the Fair Credit Billing Act, you must write to your credit card issuer within sixty days of the postmark date of the bill on which the charge appeared. Complete instructions for disputing a charge are usually listed on your credit card bill.

Correcting Billing Errors
Federal law provides specific rules that the card issuer must follow for promptly correcting billing errors. The card issuer will give you a statement describing these rules when you open the credit card account and, after that, at least once a year. In fact, many card issuers print a summary of your rights on each bill they send you.

Using You Credit Card Card Abroad
taking your credit cards with you on your next overseas trip can make traveling easier. You dont have to carry as much cash or get foreign currency you may not use, and you have a record of all your purchases. Most major credit cards are accepted worldwide, and in many countries credit cards are widely accepted. If your credit cards are lost or stolen and used by a thief, you generally cannot be held responsible for more than $50 in fraudulent charges. That makes carrying credit cards safer than carrying a lot of cash. Some credit card companies will replace your cards (sometimes overnight) if they are lost or stolen while youre traveling another plus.

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