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No interest grace period up to 60 days. Browse 0 interest introductory period credit card offers and submit an online application.

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New Millennium Bank Secured Platinum Visa® or Mastercard®

A Platinum card can be yours for the taking. New Millennium Bank can approve you for up to $10,000** in secured credit regardless of your income or credit history. Choose a Visa or MasterCard.
* Reports to ALL 3 Bureaus
* No Credit Check
* Be Approved Regardless of Credit History
* Special High Introductory Savings Rate
* Bonus $3,000 credit line with My Computer Club
* Terms and conditions apply

Discover® More® Card - Clear

Apply today for the Discover® More® Card - Clear!
* 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
* 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
* Up to 1% Cashback Bonus on all other purchases automatically
* Unlimited cash rewards
* Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
* No Annual Fee
* Online Account Access
* Online Bill Payment
*View Rates, Fees, Rewards and Other Important Information

Platinum Delta SkyMiles® Credit Card from American Express®

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase with the Platinum SkyMiles® Credit Card from American Express. Apply Now!
* Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an additional cardmember.
* Earn one companion Coach Class ticket each year upon renewal
* Earn at least 1 mile for every eligible dollar spent
* Miles never expire and there is no cap on the miles you can earn
* Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your card
* Express Approval. Get a decision in less than 60 seconds.
*See Card Terms and Conditions

Escape by Discover® Card

Apply for the Escape by Discover^® Card!

*Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases

*Flexible redemption options for travel, gift cards, or cash.

*Double Miles through our exclusive online shopping site

*0% for 6 months on Purchases and 0% for 6 months on Balance Transfers

*View Rates, Fees, Rewards and Other Important Information

Select a Credit Card Issuer or a Type of Card

American Express	Chase	Consumer Picks
Discover	MasterCard	Visa
0% Intro Card	ATM Card	Bad Credit Card
Balance Transfer	Best Card Offers	Business Card
Debit Card	Gas Card	Gold Card
Guaranteed Card	Joint Credit Card	No Deposit Card
Platinum Card	Pre-Pay Card	Rebuild Credit Card
Rewards Card	Sky Miles Card	Student Card

Credit Card Affiliate Program & Marketing

Major credit card issuers, such as American Express, Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an introductory period. These types of cards are generally unsecured platinum credit cards with high credit limits, and only people with good to excellent credit can get approved. High credit limit platinum credit cards require above average credit because of the issuer's financial risks. The credit card issuer evaluates their risk by reviewing your credit report to see if you have been paying obligations, including other credit card payments, on time.

Don't qualify for a 0 intro credit card? Consider standard cards from American Express, Chase, Discover, MasterCard or Visa.

About 0 interest intro credit card offers: Several major credit card issuers offer 0 interest introductory rates, but to qualify you must have good to excellent credit, and in most cases you must maintain good credit even after you receive the card.

Paying a 0% introductory rate on a credit card can be a super deal but you'll need to be careful. With 0 introductory credit card offers, what appears to be a great deal could turn sour.

You may apply for a zero percent deal and get a card with a higher teaser rate or no teaser rate at all, depending on your credit. No issuer is going to offer an introductory zero interest rate to someone who's maxed out on their cards or who's been late on several card payments.

Read all the fine print - several times. Is the 0 intro period for purchases or balance transfers or both? When does the introductory period end? What kind of interest rate will you pay then?

If the 0 interest teaser rate is on balance transfers only, avoid making any new purchases with the card. Issuers have a policy of applying payments to balances with the lowest interest rates first. You'd have to pay off the entire balance transfer before a single penny gets directed to any new purchases you've made with the card.

Be on the lookout for fees. Some cards charge you a fee for each and every balance you transfer to the card. Make your card payments on time, or even better, ahead of time.

And don't forget about your other cards. Paying late on other cards may void your new card's 0 intro rate. Read the Terms carefully.

Need more interest information? Read our financial and credit articles related to interest, and review current interest rates.

Rewards Cards

Reward credit cards can be very appealing. Yet it is important to do some research before making a selection. Read the fine print to make sure the other fees don't exceed the rewards you will get in return. Some cards don't give rewards if a balance is carried from one month to another so it may be necessary to pay off the balance every month. They could even charge higher interest rates on outstanding balances.

Read the terms carefully and take notice of words like "up to". This can mean the maximum you can get. You may not go up to that level unless you spend a lot of money on the card. In that case, you may get less than the advertised reward. The actual cost of the points is important and you should figure how much money is required to get a particular reward. By doing some figuring it is easy to get an idea about the cost. If you are required to spend $10,000 just to get the reward of a gift voucher of $60, it does not seem worth the effort.

Your spending habits are important in addition to how much is necessary to earn rewards. For example, programs offering frequent flyer miles usually require the cardholder to spend a lot of money. If you are an occasional spender, it could take a long time to get a free flight. Gas cards are very popular and great to have but read the terms before applying for the credit card. They have been popular due to the high cost of gas. Make sure you meet the requirements to get the rewards. Some gas cards may give points only if you shop only at a specific gas station.

Annual fees are an issue to consider as they can be high and you must decide the fee to have the card is worth the amount required to get rewards. For example if you have a high annual fee and you must spend up to $5,000 before earning rewards, it may be the right reward card for your needs. It is worth the time to review any limits imposed on rewards. If you get five per cent cash back on purchases but up to a limit of $250, spending over the limit will be wasted. Some rewards can expire if they are not used within a limited period of time.

The best way to save money is not to have spend a lot of money just to get a specific reward, the right reward card can be great if it matches the financial needs of the cardholder. Managing finances is important and before applying for any credit card, read the terms and conditions for the credit card. It is best to know the fees, interest rates, and what is necessary to get the benefits of the rewards offered. Many consumers who use reward cards have benefited by earning flying rewards, hotel rewards, and gas rewards. Any rewards should fit the specific needs of the cardholder.

Debt Settlement Advice

Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice.

Establish or Rebuild Credit Without Bad Credit Cards

There are ways to establish or rebuild credit without resorting to high interest, bad credit cards. Read our free tips on how to improve credit scores with loans that post to major credit report bureaus Equifax, Experian and TransUnion.

Pay Credit Card Bills for Rewards

When you pay credit card bills on time, it's not uncommon to be offered better rewards credit cards and lower interest. If you cannot pay credit card bills, consider options.

Free Sample Credit and Debt Letters

With our free sample credit and debt letters, you can dispute a credit report entry, stop debt collector calls, request debt validation, close a credit card, delete a credit report entry, report a billing error, optout of a higher interest rate, and challenge a debt's statute of limitations.

Credit Card Delinquency Rates Lower at American Express

Credit card delinquency rates at American Express and Capital One are lower than last month. Apply online for a new credit card with better rewards or to balance transfer to a lower interest rate.

No Credit Check Bad Credit Loans

Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees.

Free Tips to Avoid Credit Card Charges

Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements.

Government Credit Card Control Dooms Rewards

Regulations for further government credit card control may spell doom for card rewards, high limits as well as low interest rates.

Federal Credit Card Survey Ratings

Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback.

Choosing the Lowest Interest Rate Unsecured Credit Cards

Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards.

Emergency Loans for Small Businesses

Small business owners may have a chance of getting a loan that could help pay for debts and the loan may be interest free. Applicants can apply for up to $35,000 and there would not be a repayment due for twelve months. The SBA (Small Business Administration) will be releasing more details later.

Credit Card Rules May Need Clarifications

Regulators are concerned that the new credit card rules which will take effect in 2010 may need some clarifications. The concern is to make sure institutions know how to abide by the new rules. Interest rate increases are a big concern and the new rules should not be vague about interest issues.

Common Tax Deductions

Do you have enough deductions to itemize instead of just taking the standard deduction allowed? If you are not sure, be prepared with your documentation involving mortgage interest, real estate tax, mortgage insurance premiums, and loan interest and your tax accountant give you the facts.

Credit Card Company Interest Changes

Did your credit card company increase your interest rate or make other fee changes? Review your rights and options.

New Credit Card Rules to Limit Abuse

New credit card rules limit abuse and protect consumers from interest rate increases on existing balances. The new rule takes Effective July 2010, Interest rates can be raised only on new credit cards and future purchases, advances and not on current balances.

Citibank Credit Card Rate Hikes

Citibank credit card holders can expect an interest rate increase notice in their next billing statement.

Business Bankruptcy Loans

Approval is becoming difficult; and interest rates are rising, for loans to any business that has filed bankruptcy.

Save Money Personal Finances

Free software to save money and to protect personal finances from credit card debt, high interest charges and late payment fees.

Experian Credit Report Study

Experian credit report study reveals late payments for mortgages and credit card bills for both good and bad credit people. Order your annual free credit report copy and fix errors that are costing you high interest.

Best Credit Card Rate

Learn which offers the best credit card interest rate, a variable rate or a fixed rate, gold or platinum rewards, or a standard unsecured credit card? Browse and submit a credit card application.

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Credit Card Offers: Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards at CreditFederal.

Credit troubles? Apply for a pre-approved credit card offer based upon your credit history. Poor and bad credit people can apply for a credit card to rebuild credit or to establish credit. If you have very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa, no credit check cards or other types of a guaranteed card.

For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card.

Prepay credit card offers: Apply for a debit card or a bank ATM card.

Rewards credit cards: In addition to perks such as a 0 intro balance transfer, major cards offer other benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card.

Credit card interest rates: Some cards offer no interest and a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer balances from other cards to your new credit card.

Special credit card offers: Almost every credit card company will offer a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application.

Credit card company offers, including gold credit card and platinum credit card offers:

Visa credit card, such as the gold Visa card or the platinum Visa credit card.

MasterCard credit card, such as the gold MasterCard or the platinum MasterCard.

American Express card, such as the gold American Express card or the platinum American Express card.

Chase card, such as the platinum Chase card.

Discover card such as the gold Discover card or the platinum Discover card.

Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers. Browse more credit card resources.

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.