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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

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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

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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
What is Consumers Liability for Unauthorized charges?
"If you have a problem with merchandise or services that you charged to a credit card, and you have made a good faith effort to work out the problem with the seller, you have the right to withhold from the card issuer payment for the merchandise or services. You can withhold payment up to the amount of credit outstanding for the purchase, plus any finance or related charges. If the card you used is a bank card, a travel and entertainment card, or another card not issued by the seller of the defective merchandise, you can withhold payment only if the purchase exceeded $50 and occurred in your home state or within 100 miles of your billing address. If these conditions do not apply to you, you may want to consider filing an action in small claims court -- an informal legal proceeding that can be used to settle disputes. While the maximum amounts that can be claimed or awarded differ from state to state, most small claims courts hear cases involving amounts ranging from $25 to $2,000. Some states have recently raised their limits to $5,000. Check Check your local telephone book under your municipal, county, or state government headings for small claims court listings. " * Shop around for credit card terms that are best for you. * Make sure you understand the terms of a credit card plan before you accept the card. Review the disclosures of terms and fees that must appear on credit-card offers you receive in the mail. * Pay bills promptly to keep finance charges as low as possible. * Keep copies of sales slips and promptly compare charges when your bills arrive. * Protect your credit cards and account numbers to prevent unauthorized use. Draw a line through blank spaces above the total when you sign receipts. Rip up or retain carbons. * Keep a list of your credit card numbers and the telephone numbers of each card issuer in a safe place in case your cards are lost or stolen.

Precautions for Overseas Trip
Before you go overseas, make a list of your credit cards and the international phone numbers to call in case they are lost or stolen. U.S. toll-free numbers cannot be reached directly from overseas, so make sure you have a number that can be reached from abroad. At the end of this brochure is a place for you to write down the phone numbers of your credit card issuers. Leave one copy of the list you make with a trusted friend or relative and keep the other copy with you, in a safe place separate from your cards. That way youll be able to quickly contact your credit card companies for replacement cards if you lose yours. If your cards have credit limits, check how much credit you have available and pay down balances or request higher credit limits if you need more.

My Credit Score is 602 which I guess is not very good. Is their a card that I might get with a lower interest rate?
The higher your credit score, the better credit card offers you will be eligible for and receive. This includes the credit cards with the lowest interest rates. In other words, the interest rate you receive is directly related to your credit score. The credit score scale ranges from 300 to 850. Most people have scores between 600 and 800. A score of 720 or higher gets you the most favorable interest rates. According to Myfico.com, someone with a credit score of 720 to 850 will have an Annual Percentage Rate (APR) on their mortgage of 5.649 percent, while someone with a credit score of 675 to 699 will have an APR of 6.311 percent. This small difference can cost you much more than you think. Fortunately, there are many ways to raise your credit score. First, check your credit report at least once a year and correct any incorrect information you find on your credit report as quickly as possible. Second, have as few open credit card accounts as possible. For accounts you do have open, keep the balances as low as possible. And of course, make all of your payments on time. By following these guidelines, your credit score should rise each month and make you eligible for lower interest rate credit cards.

What type of information do credit bureaus collect and sell?
Credit bureaus collect and sell four basic types of information. Identification and employment information Your name, birth date, Social Security number, employer, and spouses name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information. Payment history Your accounts with different creditors are listed, showing how much credit has been extended and whether youve paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted. Inquiries CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years. Public record information. Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

Do you know if secured deposits earn interest? If so, what is the range and what does it depend on?
some secured credit card offers do include interest on your initial deposit. In addition, some of these secured credit cards also allow you to add more money to this deposit in order to collect more interest. However, these features do not apply to all secured credit card deposits. Your card application and terms should state whether or not the secured card you are applying for has this feature. The amount of interest is usually comparable to the amount of interest you?d get with a savings account and varies with each card. The rate can also vary from month to month, so check with your credit issuer about the exact amount. While these secured credit cards may offer you interest accruing perks, these cards normally have annual fee requirements and higher interest rates on your balance owed. As a result, the interest you earn may not even cover the amount of interest and fees you owe back. Take the time to do the math on what a secured card will cost you and earn for you in reality. This could determine whether or not the secured credit card is a viable option for your financial future

What is APR?
Annual Percentage Rate. The "annual percentage rate," or APR, is disclosed to you when you apply for a card, again when you open the account, and it is also noted on each bill you receive. It is a measure of the cost of credit, expressed as a yearly rate. The card issuer also must disclose the "periodic rate" -- that is, the rate the card issuer applies to your outstanding account balance to figure the finance charge for each billing period

Don't be Late, Pay the Minimum
Late fees, these days, may take a toll on your financial health. It would be especially unfortunate to pay a late fee if your total credit card bill is less than the amount of late fee. To avoid this situation, consider paying a minimum due on your bill if you do not have enough cash on hand to pay off the whole bill on time.

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.

I wanted to get a credit card but I do not have any credit history. Are there other ways to build a credit history?
to someone seeking credit for the first time, it may seem like a vicious circle: You cant get credit without a credit history, and you cant establish a credit history without credit! Frustrating, isnt it? Interestingly, some institutions only look only at your salary, job and the other financial information that you put on the application to determine if you qualify for their card. However most will be interested in your track record -- How have you handled other debts -- and will ask to see your credit report. To get the story on you, institutions will turn to information provided by credit-reporting agencies or credit bureaus like Equifax that collect, store and quantify information about borrowers. The records show your credit history -- how much credit youve received and how faithfully youve repaid. Fortunately, even if youve never had a Mastercard, American Express, Visa, Discover, or other major credit card, you can still build a good credit history: ? Open a checking account or savings account or both. Although not part of your credit history, your accounts may be checked by potential lenders as evidence that you have money and know how to manage it. ? Cancelled checks can be used to show that you pay utilities or rent bills regularly, a sign of reliability. ? Apply for a department store credit card. Stores dont ask for credit histories as often as major credit card institutions, so you should be able to get a card based on your annual salary. Then, repaying your store bills on time becomes a major "positive" in your credit history. ? Look for a financial institution that will allow you to deposit funds to serve as collateral for a credit card. Some institutions issue a credit card with a credit limit equal to the amount on deposit. These cards are relatively easy to obtain and as with your department store card, paying these bills on time will enhance your credit history. ? If you dont have a credit history because you?re new in town, request a summary of any credit record kept by a credit bureau in your former town. Dont know whom to contact? Ask the bank or department store in your former town for the name of the agency it reports to. You may already have a great credit history and not realize it. If you do, its time to "comparison shop" the credit card companies and find out who has the best deal to offer you.

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.

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