Are you just sick and tired of those high credit card interest rates? For the past several months, the interest rates associated with credit cards just seem to be getting higher and higher. Have you considered looking at some value credit cards? Now is the best time to consider switching to a Citi Diamond Preferred Card.
What if we told you that it doesn’t have to be that way. You could get a credit card interest rate betweeen 9.99%-19.99% Variable.
With the Citi Diamond Preferred Card, high interest isn’t a concern anymore. The better your credit score, the lower the interest you’ll pay.
There are a few low interest credit cards out there, but these credit cards come with an annual fee. The Citi Diamond Preferred card doesn’t. You can get a low interest rate and forget that annual fee.
With the Citi Diamond Preferred Card, you can also earn 0% introductory APR interest on all of your purchases and balance transfers for 12 months. The Citi Diamond Preferred card comes with real savings.
Additionally, you’ll have a Citi card. Citi credit cards are accepted worldwide. You don’t have to worry about your card not being accepted. Plus, you can automatically take advantage of all of the tools Citi has in place to keep you and your finances safe. These tools include: $0 unauthorized purchase liability, Citi Identity Theft Solutions, free online account management and more.
Citi has what it takes and with the Citi Diamond Preferred MasterCard credit card, you can really take advantage of some incredible credit card offers. You can get an extremely low interest rate, 0% intro APR for the first 12 months and no annual fee. What could be better than that?
Go ahead and apply for the Citi Diamond Preferred Card today.
Summer is here and so are savings from Discover Card! As many parts of the country have already reached triple-digit temperatures, others get to enjoy the long summer days with cooler evenings. With summer vacations and travel ahead, spending more money on gas or on hotel stays at your favorite hotel seems to be inevitable. To help get you excited for that much anticipated summer vacation, Discover Card offers additional savings on purchases made at gas stations and hotels that accept Discover credit cards.
Beginning July 1st, 2008 and running through September 30th, 2008, Discover Card is offering a 5% cash back bonus on its Cash Back Bonus category for gasoline and hotel purchases. Discover Card’s Cash Back Bonus categories change four times a year and allow cardholders to earn cash back bonuses on top categories like travel, home, gas, restaurants, movies and more. The bonus category coincides closely with purchases you are more likely to make during that time of year to earn the most cash back with your Discover Card.
Every time you use your Discover credit card between July 1st and September 30th, you’ll earn a 5% cash back bonus on all your gas and hotel purchases up to $400 each month. Any other purchases made during the month will earn 1% cash back with no limit or restrictions on the amount you can earn. You must be a Discover More cardholder to participate in the Cash Back Bonus program. A Discover More card includes the following list of credit cards from Discover.
** If you are not a current Discover Card cardholder and would like take advantage of the Discover 5% cash back bonus, use the links above for more information and access to each card’s online application.
School is out and summer is upon us. Unfortunately, gas prices hit an average of over $4 per gallon and that may prevent some people from driving much of anywhere outside of necessity this summer. But for those that made their vacation plans to include air travel, hotel stays and car rentals, making those reservations ahead of time may have saved you a bundle compared to today’s prices. If you still plan on taking a vacation this summer despite rising prices, a reward credit card can help you still save money.
Airline Tickets
Rising fuel prices definitely affect the cost of airline tickets. Recently, we had a family member check ticket prices and they were 200% or more of what they have paid in the past. To help them and you there are several tools available to help find and track airline ticket prices like Yapta and Travelocity’s Fare Watcher. If you are loyal to a particular airline and use it often when you travel, consider choosing from several different airline miles credit cards. Depending on which card you choose, you’ll receive bonus miles which are typically good for one free ticket when you apply. Not having to pay for one ticket can save you hundreds of dollars. Plus, enjoy the flexibility of redeeming your miles for other travel expenses like hotel stays and more.
Hotel Stays
Finding good deals on a hotel stay is pretty easy. Search some of the top discount hotel reservation websites and you can find hotel deals as much as 50% or more off the regular nightly rate. What if you could stay at your favorite hotel brand with points you earn from purchases you make every day? Sound good? Sure it does, and you can easily with a hotel rewards credit card. Find credit cards from Hilton, Choice, Starwood, Wyndham and more. Together these hotels provide thousands of available location to stay worldwide. Just use the card in place of your debit card, cash or check book each time you make a purchase and earn points towards free hotel stays and more.
Car Rental
If you need to rent a car this summer for your vacation, consider this proposal. As fuel prices rise, so does the demand for economy-sized cars. As demand rises for these types of cars, car rental companies raise prices on this category of cars. However, you can take advantage of lower priced cars in other categories. When shopping for a car rental, be sure to check prices on full-size cars and SUVs because it may actually cost you less. Car rental companies have a tough time renting these categories of cars because customer demand is lower. The price you pay to rent a larger car like this may far outweigh the increased cost of fuel versus an economy-sized car. There are also many travel rewards cards that let you use points towards car rentals too.
See, saving money on your vacation this summer isn’t as hard as your think.
If you want the best cash back credit card designed for your spending, then look no further. Whether you’re a big spender that spends tens of thousands of dollars each year on your credit card or only even a few thousand each year, credit card issuers have answered with a cash back credit card that can help you maximize your reward each month. Check out the cards below to find the best cash back card that meets your spending needs.
For Big Spenders
If you spend tens of thousands of dollars each year on your cash back credit card, then apply for the Blue Cash from American Express card. This card offers a tiered cash back structure that allows cardholders to earn up to 5% cash back on their purchases. This tiered reward system lets you earn 1.5% cash back on purchases made at supermarkets, drugstores and gas stations. All other merchant purchases you make earn 0.5% cash back. The first rebate tier is based on the first $6,500 per year you charge.
After you reach the initial $6,500 total spending on the card in one year, cardholders earn 5% cash back at supermarkets, drugstores and gas stations. Purchases not made at these types of merchants earn a 1.5% cash back rebate. Purchases made in warehouse clubs and department stores are not considered “everyday” purchases and are therefore excluded from earning the top rebate percentages based on total spending. There is no annual fee with this cash back card and cardmembers can enjoy exclusive benefits and superior customer service that only American Express offers.
For Small Spenders
If you don’t spend a lot of money on your cash back credit card, but want the convenience of earning the most you can while having one of the most widely accepted credit card brands, then apply for the Chase Freedom Card. Earn a 3% cash back rebate on your top three spending categories each month. There are fifteen different categories that include: gas stations and convenience stores, grocery stores, department stores, drug stores, fast food and quick service restaurants, movie theaters, movie rentals, dry cleaners, health clubs and gym memberships, beauty salons and spas, pet supply stores and veterinarians, mass transit and local commuter expenses, telecommunications, utilities and cable/satellite TV and Internet providers.
All your other purchases not in your top three spending categories earn 1% cash back automatically. There is no need to ever worry about switching spending categories to maximize your reward, as Chase uses proprietary software to manage your categories for you to maximize your cash back reward each month. Redeem your cash rebates in $50 increments. Save $200 in rebate cash and redeem your rebate for a $250 check – that’s a $50 bonus! There no annual fee with the card and you switch your cash back rebate for points at anytime to redeem for travel, gift cards and more.
Whether you’re a big spender or a small spender, there is a cash back credit card out there for you. Cash back credit cards are easy to use and provide an extra savings or a nice cash back bonus. Apply now and start earning more cash today!
The TripRewards® MasterCard ® credit card is now the Wyndham Rewards MasterCardSM. This popular hotel reward credit card from Bank of America features the TripRewards® program that allows cardholders to earn points towards hotel stays, airline tickets and more. The TripRewards® program features over 6,000 hotels worldwide from Wyndham Hotels, Ramada Worldwide, Days Inn and many more.
When new cardholders apply for the Wyndham Rewards MastercardSM, they automatically start earning points that can be redeemed in the TripRewards® program. Hotel stays purchased with the card that are in the TripsRewards® network earn 13 points per $1. All other purchases earn two points per $1 you spend. Your points will add up quickly for free hotel stays and other rewards when you use your card every day.
The Wyndham Rewards MasterCard credit card offers no annual fee on the card or to enroll in the TripRewards® program. New cardholders also receive 0% APR for twelve month on balance transfers and cash advance checks. Balance transfers and cash advances are subject to a 3% fee of no less than $10. Get 24-hour access to your account online and have peace-of-mind with Absolute Fraud Protection.
Start enjoying the flexibility and convenience of the world’s largest hotel reward network by applying today. Use your card every day and see how quickly your points will add up.
TripRewards | TripRewards MasterCard | Trip Rewards credit card | Trip Rewards MasterCard
Gas seems to be getting more expensive by the day. Rising gas prices not only affect individual households, but also have pricing consequences on food prices and much more. Many businesses, especially small businesses, rely on their vehicles to provide many of the necessary goods and services we all need each day. If your are a business owner or know someone that is a business owner; saving money on any possible expense never goes unappreciated. With a little help business owners can use an easy and practical way to save 5% on gas purchases they make with a cash back credit card.
There are several business cash back credit cards that let you earn up to 5% cash back on gas purchases. However, if you want to save the most, then apply for the American Express Simply Cash Business Card. This business credit card earns a 5% rebate on all gas purchases that is then credited to your account balance each month. Gas purchases aren’t the only thing you can get 5% cash back on. Get additional savings of 5% on office supplies and wireless services too. As an American Express cardholder, you’ll have access to business services providers that offer discounts through OPEN, the small business network from American Express. Employee cards are fee-free and can add up to even more savings.
If you have a business membership through Costco, then apply for the Costco Business American Express. Costco’s already low gas prices beat out the competition and using this credit card will save your business an additional 5% on all your gas purchases. Combining Costco’s low gas with using the Costco Business American Express can add up to huge fuel savings. Businesses also get 3% cash back at restaurants, 2% on travel expenses and 1% on all other purchases. Receive your cash back reward annually as an in-store coupon. Fee-free employee cards are also available.
To start saving your business 5% cash back on gas purchases, click the card’s link above for access to more information and to use a secure online application. Earning 5% cash back on gas purchases is easy and convenient with business credit cards from American Express.
Don’t want an American Express business credit card? Consider other gas rebate credit cards for your business that earn up to 3% cash back.
General Motors announced yesterday that rewards earned with the GM Card or the GM Flexible Earnings Card can now be redeemed for use towards the lease or the purchase of a new Saturn vehicle. In the past, rewards could only be redeemed on leases or purchases of eligible vehicles from Chevrolet, Pontiac, Buick, GMC, Cadillac and Hummer.
Having launched 5 new products in the past 24 months, Saturn offers the freshest line-up in the auto industry. Jill Lajdziak, general manager of Saturn said, “We’re very excited to be able to offer potential Saturn customers another valuable tool when making their purchase decision. Our Cardmembers have asked for this and we’re responding.”
Cardholders of the GM Card and GM Flexible Earnings Card earn rebates towards new vehicle leases or purchases. The GM Flexible Earnings Card offers 3% earnings towards a new vehicle or 1% cash back on every purchase you make. There are currently almost 6 million cardholders and over 5 million vehicles have been leased or purchased using Earnings. The GM Card and GM Flexible Earnings Card are issued by HSBC Bank Nevada, N.A., one of the nation’s largest issuers of private-label and general-purpose credit cards. The GM Cards can be used anywhere MasterCard® is accepted and has no annual fee.
Get more information on the GM Flexible Earnings Card or other cash back credit cards.
Want some extra help paying down your mortgage? You, like millions of other Americans are probably trying to pay down your mortgage principal to avoid being saddled with such a large payment each month for the next fifteen to 30 years. Several well-known strategies exist to help pay off your mortgage quicker, like bi-monthly payments, extra payments, additional principal payments and more. An additional tool are cash back credit cards that earn a mortgage reward to help pay down your mortgage loan balance faster.
There are two mortgage rewards credit cards available; one from Citi® and the other from Bank of America. With the Citi® Home Rebate card, you can earn 6% cash back for the first twelve months on utility bills like your cable TV or satellite programming, your internet connection, other telecommunications and more. All of the other purchases you make with the card earn 1% cash back. There is no limit to the amount of cash rebates you can earn and no annual fee with the card. All your mortgage credit card rewards you earn are applied to your mortgage principal.
If you want more flexibility from your mortgage rewards credit card, the Home Advantage credit card from Bank of America may be your choice. The credit card offers you the ability to earn cash back, travel rewards with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates. All home-related purchases earn double points for the first twelve months and all other purchases earn one point per $1. There is no limit to the points you can earn and every 5,000 points can be redeemed for cash applied to your mortgage loan balance. Other benefits are included and there is no annual fee associated with the card.
Just by choosing either one of these cash back cards to make your everyday purchases will help you earn cash back that can be applied to paying off your mortgage faster. Even if you don’t use any of the other methods to pay down the balance, you can easily and simply start by applying for one of these mortgage credit cards. Use the card for your everyday purchases you would normally pay for with cash or a debit card. You can use the individual cards links above for access to more information about the card and an online application.
Start shaving years off your mortgage payments now!
Now that the holidays have ended, many of us are looking for ways to save some money on those holiday purchases we may have spent a little or a lot extra on and those few extra pounds we gained. However, we can only provide help in the area of saving you money, you’ll have to consult someone else for those few extra pounds. If you weren’t able to pay off your credit card balances right away from the holidays or have some outstanding balances from before the holidays, then consider a balance transfer credit card. A balance transfer credit card can help you save money on your current balances that may be accruing interest.
To help you save more of your hard earned money, here is a list of the best balance transfer credit cards on our website.
1) GM Flexible Earnings Card – With this card, you get a 0% APR for 12 months on up to two balance transfer requests made at the time of your application. Transfer fees of 3% do apply to the balance(s) transferred with a $10 minimum and a $99 maximum. There is no annual fee with the card and new purchases earn 1% cash back or 3% toward an eligible new GM vehicle.
2) Citi® Diamond Preferred® Card – This card isn’t just named a preferred credit card. This card offers a 0% APR on balance transfers for 6 or 12 months depending on a review of your credit application. The introductory APR and period also apply to new purchases you make. Citi does charge a 3% balance transfer fee on each of the balances transferred with a $5 minimum. The card has no annual fee and a very competitive interest rate after the introductory period.
3) Blue from American Express® – No more feeling blue about high interest rate balances when you apply because you can get a 4.99% fixed APR for the life of the balance! A 3% balance transfer fee applies to each balance transferred and transfer fees are capped with a $5 minimum and a $99 maximum. All your new purchases receive 0% APR for up to 15 months and no annual fee.
4) Chase Platinum Visa® Card – This card from Chase will let you transfer balances and receive 0% APR for up to 12 months. The introductory APR and period is also available on all purchases. All balance transfers are assessed a 3% fee with a $5 minimum and a $75 maximum. There is not annual fee to use this card.
5) Bank of America WorldPoints™ Platinum Plus™ MasterCard® – This versatile card from Bank of America almost does it all; 0% APR balance transfers for 12 months, a very competitive APR on purchases and one of the most comprehensive reward programs available. Transfers are charged 3% of the balance or a minimum of $10. Bank of America does not charge an annual fee on this card. For those with large balances to transfer, Bank of America is generally considered to be the most generous with credit limit amounts.
For more information on each of these cards, please click on their corresponding links for access to further information and a secure online application.
Getting a cash back reward of 1% or more is becoming more and more difficult. Credit card companies have taken notice of the many cardholders who utilize a cash back credit card to earn a large cash back reward every month while paying of their bills each month. This ends up being a losing proposition for issuers as they pay out more in rebates than they receive in revenue. As a result, most credit cards that used to offer 5% cash back are now gone or have been heavily modified. However, there still is hope for those seeking to get a credit card that offers up to 5% cash back.
Blue Cash from American Express – Earn up to 5% cash back on every day purchases with no limit on the amount you can earn. Every day purchases above $6,500 per year earn 5% and all others above $6,500 earn 1.5% cash back. Every day purchases include gas, supermarkets and drugstores. There’s no annual fee and a 0% APR for six months.
Discover Open Road Card – Earn 5% cash back on your first $100 in gas and auto maintenance purchases each month. All other purchases receive a 1% cash rebate after $3,000 in yearly purchases is made and there is no annual fee. No restrictions on the amount you can earn and you can earn an additional 5% to 20% by shopping through Discover’s exclusive online shopping website.
Discover More Card – To start, get $40 cash back when you apply and get approved for the card. Participate in Discover’s Get More program and you’ll earn 5% cash back throughout the year. Get More program categories change four times a year. Earn an additional 5% to 20% when you shop online through Discover’s exclusive shopping website. Purchases over $3,000 a year earn 1% cash back without any restriction on the amount you can earn. Redeem rewards in $20 increments and never pay an annual fee.
Citi Dividend Platinum Select Card – Use this card for every day purchases at gas stations, supermarkets, drugstores and utilities to earn 5% cash back for the first 6 months and 2% thereafter. All other purchases earn 1% cash back with a maximum yearly reward of $300. No annual fee applies.
Citi Cash Returns Card – Enjoy 5% cash back for the first three months on ALL your purchases. After the first three months, earn 1% on ALL purchases and eligible cash advances. No limit to the amount of cash back you can earn, no expiration dates and no annual fee. Rebate checks are automatically sent to you each time you earn $50.
Finding those 5% cash rewards credit cards isn’t all that hard. All you need to do is select the one that’s right for you, apply and starting earning!
