Are you a stickler for paying your credit card bills by the due date? If that’s the case, the new Discover Motiva card includes a Pay-On-Time Bonus in which you will earn 5% of your interest charges as a cashback bonus each time you pay at least the minimum payment by the due date. You’ll get 0% Intro Purchase APR and Intro Balance Transfer APR for 15 months from date of account opening. Additionally, you can earn more cashback bonuses merely by making purchases using your Motiva card. Earn 5% to 20% cashback bonus in excess of 175 top online stores through their exclusive shopping mall and 1% cashback bonus on every purchase elsewhere. Best of all, there is no limit to the amount of cashback bonus you can earn! These cashback bonuses are automatically credited to your account for hassle-free and convenient spending.
Key Features:
- Pay-On-Time Bonus. Each time you pay at least the Minimum Payment Due by the Payment Due Date, you’ll earn 5% of your interest charges as a Cashback Bonus.
- 5% to 20% Cashback Bonus through Discover’s exclusive online shopping mall that boasts over 175 top online retailers.
- Up to 1% Unlimited Cashback Bonus on other purchases.
- 3.99 % Intro Purchase APR and Intro Balance Transfer APR for 15 months from date of account opening. After the intro APR expires, your APR will be 11.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- No Annual Fee.
- Rewards just the way you want them. Choose from over 100 brand-name Partner gift cards, merchandise, Discover gift cards, Charity, or Cash.
Discover Motiva makes it easy to earn cashback bonus along with a low introductory purchase and balance transfer APR, it’s a rather attractive card to have. If you consider the Discover Motiva might be what you’re looking for in a credit card, apply today!
by CC Girl on September 18, 2011
in Citi
Tailored to individuals who spend on entertainment and eating out, the Citi Forward Visa rewards credit card is giving 5X ThankYou points for each $1 spent at book stores, record stores, restaurants, including fast food restaurants, movie theaters, and video entertainment rental stores, and 1X ThankYou Point for each dollar you spend on all the other purchases. Earning rewards points beyond the usual spending is quite feasible using this card- earn up to 75,000 ThankYou Points during any year; receive 1,000 bonus ThankYou Points just by applying for Paperless Statements and 100 bonus ThankYou Points at the end of every billing cycle when you make your payment on time and which you aren’t over your credit limit. Unlike the majority of cards, you can also get up to a 2% purchase APR reduction whenever you make a purchase, stay under your credit limit, and pay on time 3 billing periods consecutively. Redeem points for everything from millions of merchandise choices to travel reweards to cashback.
Key Features:
- $100 in gift cards – When you redeem the 10,000 bonus ThankYou© Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% – 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
- No Annual Fee
If you’re in the marketplace for a credit card that earns you generous rewards when paying for dining and entertainment while enabling you to lower your purchase APR with time for responsible management of your finances, then the Citi Forward Visa card is a great choice. Apply today and let Citi ThankYou for being a valued customer!
by CC Girl on September 15, 2011
in Discover
Gasoline and restaurant purchases- that’s what the Discover Open Road credit card is focused on. For a limited time, new sign-ups are offered a free $150 Restaurant.com gift certificate after the first purchase within 6 months of account opening which can be used at over 15,000 restaurants nationwide and 12 months of 0% APR on purchases and balance transfers. On average, $25 Restaurant.com gift card costs about $10 on their website, hence this bonus is worth around $60. Using the Discover Open Road, you earn 2% back on gas and restaurant purchases all year round, coupled with up to 1% unlimited cashback bonus on all the other purchases. You can also shop at their website and receive 5% to 20% cashback bonus at hundreds of top retailers. Once the bonuses accumulate, you can choose to have the cashback automatically credited to your bank account or redeem them for gift cards (earn double the rewards that are being earned). Discover helps it be incredibly easy to earn and redeem points, and the options and perks make it quite a remarkable card for diners and travelers.
Key Features:
- No Annual Fee.
- 0% Intro Purchase and Balance Transfer APR for 15 months then the Purchase APR 11.99% – 19.99% Variable Purchase APR.
- Double Cashback Bonus at any gas station and any restaurant. Earn 2% cashback year round in these categories for the first $250 spent monthly and 1% thereafter, automatically.
- 5% to 20% Cashback Bonus through Discover’s exclusive online shopping mall. Earn 5% to 20% cashback at over 175 top participating online retailers.
- Up to 1% Unlimited Cashback Bonus on all other purchases. Make every purchase count with up to 1% unlimited cashback on all your other purchases automatically after having spent $3,000 for the year. For the first $3,000 you spend, you will receive 0.25% cashback. After the first $3,000, you will get 1% cashback.
- Rewards just the way you want them. Choose from Partner gift cards, merchandise, Discover gift cards, charity, or cash.
- Points Never Expire. Avoid annoying timelines on when to use your hard earned bonuses. Earn and save your points until you are ready to redeem them.
Double cash rewards on gas and dining purchases plus rewards on every purchase you make- what else could you ask for from your credit card? Sign up for your Discover Open Road credit card today!
by CC Girl on September 15, 2011
in Discover
If you’re looking for a no annual fee credit card that rewards you for shelling out for traveling and dining, take a look at the Miles by Discover® Card , which is currently offering 12,000 Bonus Miles for first time cardmembers. Letting you earn 1X mile for every single dollar spent, this card offers no limit to the number of miles you can earn. What’s even better, the Discover Miles gives you the ability to earn 2X miles if you use your card for travel (e.g. airfare, hotel rooms, car rentals, cruises, and travel packages) and restaurant (e.g. full-service restaurants, cafes, cafeterias, as well as fast food locations) purchases. Once your points accumulate, it is possible to redeem them with all the flexibility you need. Book your own travels and skip the in-house travel agency to avoid any usual restrictions and blackout dates. Would you rather carry out some shopping with your earned points? Not an issue; redeem your miles for cash or for gift cards ($25 for every 5,000 miles).
Key Features:
- Earn up to $120 in travel rewards–1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend – Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% – 16.99%*
- No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
Without any annual fee, competitive interest rates, and a ton of rewards intended for the traveler and diner, the Discover Miles needs to be in your wallet. Sign up for your card today!
If you are an avid traveler who wishes to redeem travel rewards with plenty of flexibility from his credit card, you should think about the American Express Blue Sky Card. Points are easily earned through every day purchases and can be redeemed for airfare, hotel rooms, cruises and more- all without having to make advanced planning, succumbing to seat restrictions, or deal with blackout dates. You accrue 1x point for each dollar charged on your Blue Sky account. Each 7,500-point increment is equivalent to a statement credit of up to $100 that you can apply toward any airline ticket, hotel stay, car rentals, cruiselines, travel agencies, and tour operators. This is worth as much as 33% above most other travel rewards cards- Blue Sky rewards system basically gives you 1.33% cashback while many other cards offer you about 1% cash back. Additionally, enjoy no annual fee or expiration date or limit for the number of points you may earn while getting American Express cardmember perks such as discounts on dining, car rentals, hotels stays, booking cruises plus much more.
Key Features:
- No annual fee.
- Payment Options. Flexibility to pay charges over time.
- APR on Purchases 0% intro APR for up to 12 months. After that, your APR will be a variable rate, currently 17.24%, 20.24% or 22.24%
- Flexible Rewards. 1X point for virtually every dollar you spend. You will accrue one 1 point for each U.S. dollar of net purchases charged on your Blue Sky Card account.
- Blue Savings Program offers a wide range of discounts and extras at hotels, restaurants, retailers, and more.
- Blue Sky Benefits. Access to a suite of travel protections like the Global Assist Hotline, and Travel Accident Insurance
If you’re looking for a rewards card that permits you to redeem points on travel to anywhere, anytime, the
American Express Blue Sky is an outstanding option to consider. Apply today and begin planning your upcoming vacation!
Disclaimers: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
American Express and Costco have teamed up to offer the TrueEarnings Card that allows you to earn cash back everywhere you make use of your credit card, making every eligible purchase an opportunity to save. As a cardholder, you get 3% cash back for annual gasoline purchases of up to $3,000 (1% thereafter), 2% cashback for restaurants and travel, and 1% on the rest, including Costco naturally. Earning and tracking rewards are easy since your card issues a cash reward coupon annually that you may redeem at any Costco warehouse for merchandise or cash. Provided that you have paid your Costco membership, there is no annual fee for your TrueEarnings card, allowing you to benefit from the exceptional American Express customer service and card benefits. Also, if you apply now you will get a 0% introductory APR for 6 months.
Key Features:
- No annual fee with paid Costco membership. Earn even more cash back when you sign up someone listed on your Costco membership for an additional card and get an even bigger reward.
- Flexible Payment Options. Pay charges over time.
- 0% intro APR for 6 months. After that, your APR will be a variable rate, currently 15.24%
- Earn cash back everywhere, not just at Costco. Every time you make a purchase, you can earn cash back: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco.
- Receive world-class Customer Service and protection. American Express offers personal attention and exceptional Customer Service that’s available when you need it, 24/7. Rest assured with valuable services like purchase protection, extended warranty, and the Global Assist Hotline.
- Enjoy 2 memberships in 1. Your TrueEarnings Card is two Cards in one – it’s both an American Express Credit Card and your Costco membership card.
Along with great cash back opportunities, the TrueEarnings Card gives perks on everything from travel to entertainment. Obtain the most competitive prices available when booking airfares, cruises, car rentals, and hotel accommodations when using American Express Online Travel. Moreover, you may enjoy exclusive access to the best seats to sporting events, family shows, and much more. With so many methods for getting cash back and benefits when using this credit card, why have you not applied for the TrueEarnings Card from Costco and American Express?
Disclaimers: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
Crediting unlimited cashback for business expenses and offering discounts with participating merchants automatically, the SimplyCash Business Card from American Express OPEN is among the best credit cards available for smaller businesses. Using the American Express’ OPEN Savings program, you can earn as much as 5% cashback on office supplies from any office supply store and wireless telephone services, 3% cashback on gasoline, and 1% on the rest. Furthermore, automatically receive discounts on every purchase you are making with partnering companies such as Fedex, Kinko’s, Barnes & Noble, Hertz, and the Marriott to name a few. Also, with no annual fee, it is ideal if you are looking to issue employee credit cards where you can set individual spending limits on every one. As an added bonus, this card offers purchase protection and travel assistance and insurance for additional ease of mind.
Key Features:
- 0% introductory APR for 6 months, 9 months or 12 months, based on your creditworthiness. After that, your APR will be 13.24% (Prime Rate + 9.99%),16.24% (Prime Rate + 12.99%) or 19.24% (Prime Rate + 15.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
- 5% cash back on wireless services and office supplies, and 3% cash back on automobile gasoline. 5% cash back applies to the first $12,000 of office supply purchases and the first $12,000 of wireless telephone services. 3% cash back applies to the first $12,000 gasoline purchases. Any amount in excess of these earn a standard 1% cash back.
- 1% cash back on virtually all purchases.
- Option to pay over time with interest. Since this is a credit card, you can choose to pay your balance in full or over time.
- Automatic cash credited to your statement each month.
- No limit to the amount you can earn.
- No annual membership fee.
Disclaimers: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
by CC Girl on September 14, 2011
in Discover
For the busy college student who’s constantly on the go, the Discover Student Open Road is offering double cashback bonus on purchases at gas stations and restaurants up to the first $250 each month and then as much as 1% cashback bonus on all your other purchases. All college students can use some cash back from their credit card, so why don’t you get rewarded when spending on necessities? On top of that, there is no annual fee, an introductory purchase APR of 0% for 9 months, and you are able to receive 5% -20% off on purchases made through ShopDiscover.com. Start building your credit track record while you’re in college, and it couldn’t be simpler to do than by purchasing gas and food using your credit card- bonuses are added automatically!
Key Features:
- 0% Intro Purchase APR for 9 months from the date of account opening. After the introductory APR expires, your APR will be 12.99% to 19.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- No Annual Fee. It costs nothing to enjoy the benefits.
- Double Cashback Bonus at any gas station (and not just for gas either!) and any restaurant, including fast food.
- 5% to 20% Cashback Bonus through their exclusive online shopping mall. With over 150 retailers, it would be difficult not to find what you need.
- Up to 1% Unlimited Cashback Bonus on all other purchases. For the first $3,000 you spend, you will receive 0.25% cashback, and any amount above $3,000 will get a 1% cashback.
- Rewards just the way you want them. Choose from gift cards, merchandise, charity donations, or cash. You can double your Cashback Bonus by redeeming for certain gift cards from their affiliates or if you prefer, you can get your reward in cash through electronic deposit to your bank account.
By doubling your cash rewards on fuel for your car at gas stations and fuel for your body at restaurants, the Discover Student Open Road card makes your dollar worth more. Sign up for your card today and reap the benefits!
by CC Girl on September 14, 2011
in Citi
Are you underappreciated lately? As a means of showing some gratitude for your business, Citibank is introducing the Citi ThankYou Preferred Card that awards 15,000 Bonus Thank You Points after you make $1000 in purchases during first 3 months- that’s enough to redeem for your $150 gift card. You can also earn unlimited ThankYou points for each dollar you spend on the purchases you make every day, an anniversary bonus for each year you are a cardmember, and signing up for Account Online and subscribing to Paperless Statement- to name a few! Earning points is quite feasible and accumulating the rewards can occur very quickly. What’s even better, these rewards points may be redeemed for cash, merchandise, gift cards, travel and more.
Key Features:
- $150 gift card – When you redeem the 15,000 bonus ThankYou® Points received after $1000 in purchases within 3 months of account opening.
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
See what “thank you” means to you and apply for the Citi ThankYou Preferred Card today!
by CC Girl on September 14, 2011
in Citi
*DEAD* College could be the land of brand new beginnings full of learning, exploring, and a lot of ramen noodles for those penny pinching days. If you’re a college student who would like to start building your credit while using a credit card that rewards you for good money habits, the Citi mtvU Platinum Select Visa Card for College Students may be the answer. This card gives you 5 reward points for each $1 spent on books, movies, music and at restaurants. It’s distinctive among other cards because it awards points for getting a good GPA- talk about incentive to do well in school! ThankYou points are rewarded as follows:
GPA Score Points
2.50 – 2.99 250
3.00 – 3.49 500
3.50 – 3.99 750
4.00 2,000
Apart from earning reward points by getting on the Dean’s List, you will be rewarded for paying your bills punctually and not exceeding your credit limit. Of course it goes without saying you would have to put charges on the card to earn any points first. Receive 5 points for every dollar you spend on purchases at the book store, record store, restaurants (including fast food), cinemas, and video entertainment rental stores; and1 point for every dollar you spend on other purchases. With these points, you can redeem them on the ThankYou Redemptions Network reward program to get gift cards, CDs, VIP mtvU Spring Break Passes, tickets to the MTV Video Music Awards, and airline tickets.
Key Features:
- 0% introductory APR on purchasesfor the first 7 months. After that introductory period, the APR for purchases will be variable, between 13.99% and 21.99% depending on your creditworthiness.
- 5 reward points for every $1 you spend on books, movies, music and at restaurants.
- 1 reward point for every $1 you spend on other purchases.
- 25 reward points each month when you pay on time and stay under your credit limit.
- Up to 2000 reward points twice a year for having a good GPA. At the end of every semester, just send in your transcript and get extra points!
- 10% discount on music and entertainment products at shop.mtv.com.
- Access to exclusive mtvU experiences like free concert tickets, tickets to the mtvU Woodie Awards or VIP status at mtvU’s Spring Break.
- No annual fee. Enjoy platinum cardholder benefits and the card’s rewards system at no cost.
- No cosigner or minimum income required.
If you’re a good student who’s financially responsible and capable of making payments on time in order to avoid paying interest, sign up for the Citi mtvU Platinum Visa card for College Students to get rewarded today!
