The new Zync from American Express is the first credit card of it’s kind that let’s applicants choose a “lifestyle pack” that fits them and their purchase habits best. American Express lets you choose one of the following lifestyle packs:

Go Pack – Earn double points on eligible airline tickets and enjoy car rental discounts when you book through American Express Travel. Car rental discounts up to 25% are available from Avis, Budget and Hertz. All points are credited to your Membership Rewards points account and the annual cost is just $25.

Social Pack – Earn double points at qualified restaurants and on qualified concert, movie and show tickets. Applicants will also be automatically enrolled to receive emails for advanced ticket access and other benefit information. All points are credited to your Membership Rewards points account and the annual cost is just $25.

Connect Pack – Earn double points on eligible cell phone, cable, broadband and internet services through qualified providers. Applicants who choose this pack will also be eligible to receive 25% discount on the number of Membership Rewards points require for redemption of cell phones and other electronic communication devices. All points are credited to your Membership Rewards points account and the annual cost is just $25.

Eco Pack – Earn double points on eligible purchases at select green merchants rated by Greenopia®. Greenopia selects and rates merchants based on their impact to the environment. Applicants who choose this pack will receive discounts of 25% when redeemed for qualified eco-friendly merchandise and carbon offsets. American Express will also donate $1 to TerraPass to fund reductions in carbon emissions at dairy farms and landfills. All points are credited to your Membership Rewards points account and there is no annual cost.

The Zync from American Express credit card has an annual fee of $25 and features all of the standard cardmembers benefits of an American Express card: Memberships Reward points on every purchase, car rental insurance and road side coverage, and purchase protection. Purchases made through the Bonus Points Mall earn triple points on every purchase with over 250 retailers and all balances must be paid in full each month.

We are pleased to announce the re-release of three American Express credit cards. The highly sought after Blue cards from American Express are once again available on our website and the feature the same great reward programs or cash back. The following Blue cards are now available:

• Blue Cash from American Express – Earn up to 5% cash back
• Blue from American Express – Earn Membership Rewards on every purchase
• Blue Sky from American Express – Earn airline miles or travel rewards on every purchase

Each of the cards also feature a 0% APR for 6 months on purchases and exclusive American Express cardholders benefits.

Diamonds are a girls best friend but sapphires are everyone’s best friend now with the new Chase Sapphire(SM) card.

With the new Sapphire card, Chase is also unveiling it’s new Ultimate Rewards Program. This program lets your rewards be redeemable for almost anything you want.

Some competitor’s reward credit cards charge you an annual fee, but not the Chase Sapphire(SM) card. What sense does it make to let you earn cash back and then take it all away by charging an annual fee? Chase understands you, the customer. That’s exactly why they are giving you the Sapphire card.

Once you apply and are approved for the Chase Sapphire(SM) credit card, you can start using it. Once you make your first purchase, Chase will give you 10,000 bonus points. That’s right, 10,000 bonus points just for using your card.

As with some other reward credit cards, you can earn one point for every dollar you spend. If you shop online with Chase’s preferred retailers, at the Ultimate Rewards Mall, you can earn up to 10 bonus points for every dollar. That gives you the opportunity to earn ten times the rewards when you shop with over 300 retailers. With that kind of opportunity, you should almost always earn ten times the rewards.

The Chase Sapphire(SM) credit card doesn’t just come with cash rewards though. The Sapphire card allows you to earn double bonus points on airfare. In order to receive double bonus points, you must book your flight(s) through Chase’s Online Travel Booking Tool. So, you can take all of the hassle out of your next trip by booking online and earning double bonus points.

This Sapphire comes with many great Travel Benefits as well. You will have complete access to Trip Cancellation Insurance, Travel and Emergency Services, Travel Accident Insurance and Trip Delay coverage. Additionally, Chase offers Lost Luggage Reimbursement, Baggage Delay, Roadside Dispatch and Auto Rental Collision Damage Waiver.

With the Sapphire credit card comes Chase’s unbeatable customer service. You can get personalized customer service 24 hours a day, seven days a week. Chase is confident that you’ll appreciate their customer service. That’s why they put a guarantee on all customer service transactions. You will also be able to use Chase’s complimentary concierge service, Global LifeLine and the Online Account Management feature.

Just wait…it gets so much better with the Chase Sapphire(SM) card. Have you heard of Chase’s new Blueprint program? This program allows you to manage your finances your way. Choose from the Full Pay feature, the Split feature, the Finish It feature, the Track It feature or a combination of the four. You can maximize your credit card experience with Blueprint because it allows you to manage your credit card on your time and the way you want.

No other credit card has it all. The Chase Sapphire(SM) with Ultimate Rewards card does. Go online to see how Sapphires can become your best friend today.

After almost a year since our site last offered Chase credit cards, we are pleased to announce their much anticipated return. We had hoped to begin offering Chase credit cards earlier this year, but financial market conditions did not allow for a timely return of their credit cards to our site. The news that we would once again be able feature cards from Chase this week was somewhat of a surprise. As a result of their return, we are able to expand our current credit card offerings and visitors will once again have access to one of the best cash back credit cards available.

At this time we are able to feature the Chase Freedom card along with introduction of the Chase Slate credit card. Both cards share the Visa logo and feature Chase’s new program to help cardholders better manage their spending and finances with Blueprint. Blueprint provides cardholders the flexibility to choose how payments are applied, choose different payment options, track spending habits and more; all for free.

Each Chase credit card offers something different and one may be just right for you. Be sure to check them out.

Chase has recently unveiled a new financial service that is free to use and only available to Chase customers. Blueprint is easy to set up and lets each customer specify their own set of financial blueprints.

The Blueprint program has been designed to simplify your finances. It allows you to design custom payment plans and other options. Each payment option will be highlighted on monthly statements. This allows you to really organize your finances and your credit card purchases.

You don’t have to wait until you receive the monthly statement each month to see what progress you’ve made towards reaching your goal. The Blueprint program allows you to monitor your progress online. You can check your progress fifteen times a day or once a day.

Everyone uses their credit card for different reasons. Some people use it for everyday purchases. Some people use it only in emergencies. Others use it for large purchases. The Chase Blueprint program allows you to pay off large purchases first, thus reducing the amount you pay in interest.

There are so many advantages for using the new Chase Blueprint program. First, the Blueprint program itemizes all of your purchases. This allows you to know your spending trends and habits. This is updated constantly so you can always be sure you are given accurate information. It also allows you to see clearly the areas that you want to improve.

Chase Blueprint really helps you pay your balance down faster. It lets you make payments towards large purchases and reduces the total amount you pay in interest. Similarly, Blueprint lets you completely avoid paying interest. It comes with free online calculators that allow you to know what payments you need to make in order to pay $0 in interest.

Chase Blueprint is the first of its kind. Since when does a credit card company or financial institution go to so much trouble to help you avoid paying interest? Chase credit cards are available to help with the new Blueprint program.

Last week, J.D. Power and Associates released their 2009 Credit Card Satisfaction Study with results of what customers really think about credit card issuers. The results weren’t surprising as most customers this past year have seen rate increases, fee increases, credit lines slashed or accounts closed completely. As a result of the economy, credit card issuers have been forced to cover rising defaults and losses. Customers haven’t responded well to the recent changes and credit card issuers have seen their customer satisfaction ratings plummet.

In fact, the J.D. Power and Associates survey found that the customer satisfaction level has reached a three-year low. Michael Beird, J.D. Power and Associate’s director of banking, said, “Overall satisfaction declines 86 index points when a customer incurs a late fee. Issues with fees also contribute to the high incidence of problems and complaints in 2009, with 18 percent of customers reporting problems, compared with 10 percent in 2008.”

In 2008, only 10 percent of customers reported that their fees and rates were increased. That number has almost doubled in one short year. That’s right…20 percent of credit card customers now say that they have seen an increase in credit card fees and rates. But, does the type of customer affect satisfaction?

Absolutely.

The survey found that those who are among the unhappiest are those credit card holders who do not pay off their credit cards in full each month. Credit card customers who carry a balance from month to month gave credit card companies the lowest ratings. American Express ranked highest in customer satisfaction for the third straight year with an index score of 761. Discover Card and National City came in second and third with index scores of 751 and 740, respectively.

So, what have these companies all done well? Customers reported being satisfied with credit card companies when they received consistent communication from the creditor. Even when a fee or rate increase did occur, customers reported being satisfied 97 percent of the time when they received notification of the increase beforehand.

Although customers are not overly satisfied with credit card companies currently, there is one thing credit card issuers can do to keep customers happy. Communicate. Credit card companies need to keep their customers informed and customers need to do their part by staying informed. Customers can actively participate in the communication process by researching different credit cards and educating themselves before applying.

Surely, the level of overall credit card satisfaction will increase when well-informed customers team up with credit card companies who communicate.

Have you had a good or bad experience with your credit card issuer this past year? Give us your feedback.

See the average credit card debt by state along with other credit card facts. Click the image to see a full-size version.

It isn’t everyday that credit cards are chosen as ‘the best.’ The Blue Cash card from American Express knows just how this feels. It was recently chosen to round out Money Magazine’s ‘The best credit card for you’ list.

Only six credit cards made the list. Money Magazine spent a great deal of time researching millions of credit cards, only to choose six for its list. Blue Cash from American Express earned the number six slot and with good reason.

How many cash back credit cards are there out there? A lot, right? But, Money Magazine chose 1 cash back credit card as being the best…The Blue Cash card from American Express.

Whether you are a big spender or you pay for everything with plastic and pay it off monthly, the Blue Cash will help you get ahead of the game.

First of all, the interest rates for the Blue Cash card start at just 7.99%. The better your credit, the lower your interest rate. And, wouldn’t it be nice to be paying an interest rate as low as 7.99%?

The Blue Cash card comes with one spending tier. That tier is set at $6500. This means that before you spend $6500 in one year, you’ll earn a certain amount of cash back. After you hit that $6500 tier, you will earn a different and higher amount of cash back.

Before you spend $6500 in one year, you will earn 1% cash back on all of your purchases through certain categories. These categories include: supermarket purchases, drugstore purchases and gas station purchases. You will earn 0.5% cash back on any other purchase you make.

After you have spent $6500, you will earn 5% cash back at the supermarket, the gas station and the drugstore. 5%! That really gives you the opportunity to earn a lot of cash back. You’ll earn 1.5% cash back on all of your other purchases.

The Blue Cash from American Express is the best cash-back credit card on the market. It gives you the opportunity to earn more cash back than ever before. That’s why Money Magazine chose it as being the best of the best.

New credit card rules go into effect today, Thursday, August 20, 2009. Every consumer should familiarize themselves with these new rules, especially since the new rules are set to benefit consumers. The act is known as the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009. The purpose of the legislation is to eliminate certain practices made by credit card companies that take advantage of consumers. This act will supposedly make the credit card industry a more fair market.

The most important aspects of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act are as follows:

1. Credit card companies must follow strict guidelines that will make it more difficult to issue credit cards to consumers under the age of 21.

2. The interest rate cannot be raised on an existing credit card balance until the consumer is at least 60 days past due.

3. The interest rate cannot be increased within the first year of the customer having the account.

4. Promotional interest rates must be six months or longer.

5. If the interest rate is increased for a particular customer, the credit card company must revert to the original interest rate if the consumer makes his/her payments on time for six months.

6. Billing statements must be mailed at least 21 days before the due date.

7. Late fees cannot be assessed if the payment is delayed due to processing delays.

8. Credit card companies are required to give the customer at least 45 days written notice before making interest rate increases.

These new rules are designed to protect consumers. Credit card companies have earned bad reputations for what consumers say are unfair practices. Implementation of the law is supposed to protect consumers against many of the unfair practices and should help alleviate some of the financial burdens that Americans are facing today.