Airline Miles Credit Card - this card is perfect for anyone who travels frequently. In addition to awarding frequent flyer miles to the user, this card can also offer discounts on airfare at participating airlines, such as Southwest.
Cash Back Credit Card - this type of card is ideal for people who rarely use cash when making purchases. By making purchases with the card, users can earn cash back based upon a percentage of their charges. Some issuers tailor the card to the user's personality, by allowing a higher cash back percentage on charges they most frequently make. For example; if the user mostly makes charges at a grocery store, the issuer credits a higher cash back percentage for those purchases. Other issuers may offer higher cash back percentages for purchases made at participating retailers, such as Home Depot or Sears.
Business Credit Card - these are not only for large businesses, now even small businesses can get this type of credit card, and can get separate cards for employees who make purchases on behalf of the company. Again, some business credit card issuers will sweeten the offer by awarding discounts for purchases made at participating retailers, such as Office Depot, or will award cash back percentages.
Retail Credit Card - if a person uses a credit card only at one particular store, a retail credit card can offer discounts on purchases. Examples of this type of card are: Sears Card, JC Penney Card, Wal Mart etc. Regarding the Wal Mart Card, users can get discounts on Wal Mart gasoline purchases, which is quite beneficial during current high gas prices.
Shopping Credit Card - typically known as Catalog or Merchant credit cards, these allow even bad credit people to obtain an unsecured line of credit. Purchases are restricted to a certain merchant or a specified catalog, but nonetheless offer the ability to make purchases on credit. For people with very bad credit, this is an excellent way to obtain credit. Just be sure to use a card that reports your timely payments to a major credit bureau so you can build your credit.
Other Rewards Credit Cards - you can find cards that offer a variety of discounts and free services, such as free music downloads, free roadside assistance, as well as protection against identity theft.
Credit Card Benefits
Credit cards are safe: If your card was issued in the United States and is lost or stolen and used by a thief, the most you'll be held liable for is $50. You don’t get that kind of guarantee with cash or checks.
Credit cards provide emergency buying power: Car broke down? An unexpected emergency room visit? A reassuring credit card benefit is that you don’t need to worry about having enough cash on hand or if a merchant accepts checks.
Credit cards offer protection: In most cases it's easier to reverse a credit card charge than to cancel a check payment or get a cash refund.
Credit cards can build your credit rating: A major credit card can help build credit ratings. Fact: the single strongest reference on a credit report is a major credit card, paid on time over time.
More credit card benefits
In many countries, major credit cards are widely accepted. You’ll often get a favorable exchange rate as well. And some cards offer benefits like emergency card replacement or free Collision Damage Waiver Coverage on rental cars.
With a credit card, you have the option of paying your bill in full and usually avoiding any interest charges, or making smaller payments. Charge cards, on the other hand, require you pay the entire balance in full each month. Of course it’s a good idea to pay as much as you can each month to avoid carrying too much debt or paying large finance charges.
Credit card perks range from free frequent flier miles to extended warranties on merchandise you buy with the card.
There are credit cards for just about every walk-of-life, meaning; chances are, there's a credit card tailored to satisfy your individuality. Credit card issuers; in their attempts to attract new customers, are creating card offers leaning heavily towards user personality.
But before you rush out to find a card that fits your personality, you first need to determine which types of credit cards you may qualify for. If you aren't sure of your credit score, you should order a credit report, or you can use the estimated prequalification guide.
Once you have an idea of what types of credit cards you may qualify for, you can begin your search to find your personality card. Listed below are examples of these types of credit cards:
For nearly every individual personality and credit rating, their is a credit card issuer who wants you to become their customer. Be sure to read all the Terms and Conditions, so you know exactly what you will get before you apply.
Need more credit card information? Read our financial and credit articles related to rewards such as cash back credit cards.
Credit
Card
Prepaid
cards and debit cards have become very common place and many people use them
instead of an unsecured credit card or cash. They allow people a secure, convenient alternative to
carrying cash and writing checks. People have another option when it comes to
making everyday purchases. No matter if it is to pay bills online or by phone,
this credit product has helped millions of cardholders have a card they can use for
purchases or to pay debts.
Instead
of making payments in the form of cash or checks, prepaid cards can help make it
easy to pay and it allows the cardholder to avoid carrying large sums of cash.
There can even be some peace of mind knowing that a prepaid card can be easily replaced if lost or
stolen if reported quickly Issuers usually has in place, some type of liability policy.
Prepaid cards come with many different features and are easy to reload. Once
they are funded they can be used as a gift card, a payroll card, and even as an
incentive card. These debit or prepaid cards are used as just one more tool to
be able to manage the finances and make paying bills easier.
Parents
often give these as gift cards or to be able to teach budget
skills to a young adult. Prepaid cards can help make life a bit easier for a
college student. The student is able to pay for necessary college expenses or
other needs. If it is lost it can be reported missing and the card can be
replaced. When cash is lost it is usually never recovered. Prepaid
cards are available through MasterCard and Visa, review the benefits of each
card before applying.
May 15, 2013
Blue Cash Everyday® Card from American Express
- Cash back card
- No annual fee, earn rewards from day 1
- 3% cash back US supermarkets*
- 2% cash back at US gas stations and select US department stores
-
Interest Rate, 0% Intro APR
0% intro APR on purchases for 12 months, then a variable rate, currently 12.99% to
21.99%. Based on
creditworthiness & other factors. Earn cash back on eligible purchases, flexibility to pay over time,
no annual fee. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.*Up to $6,000 per year in purchases.
Cash back earned in reward dollars (see footnotes 1 & 2 on their website and
all details for this card offer).
New Study: Americans Say Road to Success Now Paved More with Fulfillment Than WealthNew Advertising Expresses the Value of American Express Membership
NEW YORK, May 15, 2013 -- Today, American Express released a new study on American views towards success:
the American Express LifeTwist Study. The study, conducted by the Futures Company, confirmed that most Americans believe success is no longer rooted in a sense of "arrival," but defined primarily by the experiences they accumulate, detours they embrace and passions they pursue throughout their lifetime. The study dubbed the 52% of American consumers who most exemplify this new sentiment "LifeTwisters."
View and Download: The LifeTwist Study
Supporting this change in sentiment, American Express launched today TV and online advertising to appeal to range of customers by showcasing the value that membership offers through a variety of products and services.
A Redefined Relationship Between Success and Wealth
Today, Americans say they define success by what they do more than by what they have. Dozens of the study's findings reflect this notion of success, but perhaps none more starkly than the sentiment that Americans ranked "having a lot of money" 20th on the list of 22 contributors to having a successful life. Further, the rankings showed that the vast majority of Americans (81%) believe that knowing how to spend your money well is a far greater indicator of leading a successful life, than simply having money in the first place. In addition, the vast majority of Americans (72%) say they'd rather spend money on experiences than material things.
"American Express has been synonymous with success for much of our 163-year history," said Josh Silverman, President Consumer Services, American Express. "Today, Americans say that feeling successful is driven less by the amount of money they earn, and more by having a job they love, rewarding relationships and contributing to their communities. Our products have changed over time to reflect these views, while continuing to stand for trust, security and service – which never goes out of style."
Americans ranked their top contributors to leading a successful life:
1. Being in good health (85%)
2. Finding time for the important things in life (83%)
3. Having a good marriage/relationship (81%)
4. Knowing how to spend money well (81%)
5. Having a good work/personal life balance (79%)
6. Having a job you love (75%)
7. Making time to pursue passions and interest (69%)
8. Being physically fit (66%)
9. Always trying to learn and do new things (65%)
10. Embracing new experiences/changes (65%)
Americans are Embracing Life's Twists and Turns
America is a country where people disagree on everything from pizza toppings to the designated hitter rule. Yet in one of the survey's most telling findings, 95% of respondents – from all income levels, genders and age ranges – agree that the road to success is likely to involve detours and unexpected changes. In fact, an overwhelming 83% of Americans, including 79% of Boomers, still consider themselves to be "a work in progress."
Today's digital world has accelerated the rate of change, making it a more frequent and expected occurrence for a greater number of people. As a result, a majority of Americans say they are willing to take any number of roads less traveled to achieve their goals. When consumers were asked about their life paths, the most heavily populated group (52%) was composed of "LifeTwisters" – those who have a distinct life path in mind but are open to occasionally veering off that path to embrace the changes life throws their way.
Closely related to LifeTwisters, "Reinventionists" made up an additional 11% of Americans. This group is much more proactive than LifeTwisters in precipitating change -- with the specific goal of reinventing themselves again and again.
Designing a Life Well-Lived
Today, 58% of Americans say they're more willing to try new things now than they were five years ago. When asked why, 55% said they have a better understanding today of what makes them feel fulfilled, while 43% said they desired more variety in their lives.
In pursuit of novelty and trying new things, many Americans have a ‘Bucket List' of accomplishments they would like to achieve. The top five "Bucket List" items include:
Traveling to new places (88%)
Having children (76%)
Pursuing passions as a hobby or career (75%)
Volunteering time for a cause you believe in (70%)
Doing something with your hands (60%)
A majority of Americans (57%) still have aspirations to become rich, but when prioritized among items like the opportunity to travel and having a rewarding family life, it ranked #8 on America's bucket list – right below learning how to be a better cook.
The American Express LifeTwist Study Methodology research was completed online among a random sample of 2,184 U.S. adults 18+. Interviewing was conducted by Research Now between April 3 and April 12, 2013. Data analysis was conducted by the Futures Company.
May 16, 2013
Chase Tops Keynote's Mobile Banking Scorecard for Third Time in a Row
Chase takes third consecutive win amongst top U.S. banks for mobile banking offerings
NEW YORK -- May 16, 2013 – Chase took top honors in the Keynote Mobile Banking Scorecard for overall mobile web experience in Q1 2013. This is Chase’s third consecutive win in Keynote’s ranking of mobile offerings among the 15 largest U.S. banks. In the latest Keynote Scorecard, Chase ranked #1 in two of four categories – Functionality and Ease of Use – to take the top spot overall.
“The Keynote ranking further validates that we are on the right track as we continue to make enhancements to the functionality and design of Chase’s mobile banking channels,” said Gavin Michael, the new Head of Digital for Chase’s Consumer and Community Banking division. “More than 13 million customers are taking advantage of Chase Mobile® – and many more are joining every day. They like being able to view, track and move their money in a quick and convenient way.”
Chase Mobile includes the following features:
- Chase QuickDepositSM, the award-winning mobile check deposit capability;
- Chase QuickPaySM, its proprietary person-to-person payment service;
- Payment options such as bill pay, account transfers and wire transfers;
- Mobile website access;
- SMS text messaging; and
- Chase Instant Action Alerts to notify customers of a low balance, and to allow them to transfer money by replying to the text message.
Chase Mobile banking is available to Chase customers using most major mobile platforms, with apps for iPad®, iPhone®, iPod touch®, Android™, Windows® Phone and Kindle Fire, as well as through the Chase mobile website.
The Keynote Mobile Banking Scorecard is an industry benchmark created to set a standard for the expanding mobile banking industry. The Scorecard measures and ranks the 15 largest retail banks in the United States based on a list of more than 100 criteria in four main categories, developed from user testing and research. Banks measured in this scorecard include (in alphabetical order) Bank of America, BB&T, Capital One, Chase, Citibank, Citizens, Fifth Third, KeyBank, PNC Bank, Regions, SunTrust, TD Bank, USAA, US Bank and Wells Fargo. Winners of Keynote Competitive Research studies and scorecards are invited to participate in the company’s Online Excellence Program which recognizes the "best of the best" Web and mobile sites as ranked in the studies. To view Keynote’s press release: http://www.keynote.com/banking/chase.
Keynote Competitive Research produces leading industry research using the company’s commercially available Web performance monitoring and real user experience testing products. Keynote regularly evaluates the current state of online customer experience, technical quality (responsiveness/reliability) and implementation of best practices on leading Web and mobile sites across a wide variety of vertical markets including financial services, automotive, media/entertainment, retail, travel and technology.
May 14, 2013
Citi Simplicity® Says Goodbye to Frustration of Late Fees in New Advertising Campaign
Citi Simplicity is the only credit card to never charge late fees and a penalty rate
More than half of Americans have paid a bill late; forgetfulness top reason cited in new survey
New York – Ever paid a bill late? You're not alone. More than half of Americans have paid a bill late, and, in a recent survey sponsored by Citi, forgetfulness was the top reason they cited. Designed to provide a simplified credit experience and alleviate the frustration of late fees, Citi Simplicity is the only card to never charge late fees, a penalty rate and an annual fee (www.citi.com/simplicity). You can say goodbye to these fees forever as a Citi Simplicity cardmember, as illustrated in the new television commercial, "Kickboxer" which debuts this week.
"The commercial is literally hard-hitting with our kickboxer working out the frustrations of a challenging day, yet relieved that with her Citi Simplicity card she never has to worry about a late fee, a penalty rate or an annual fee – ever," said Anthony Merola, Managing Director, Citi Cards.
New Citi Simplicity Advertising Campaign
The commercial features "Erica," who exercises with a punching bag to take out her frustrations over the challenges of a bad day. After missing a payment due date for her Citi Simplicity card, Erica feels reassured that she won't get penalized with a late fee or a rate hike. The "Kickboxer" commercial is part of a larger campaign, which includes television, print, digital, social media and out-of-home installations, highlighting the unique benefits of the Citi Simplicity card.
Citi Simplicity Will Never Charge Late Fees, a Penalty Rate or an Annual Fee
First introduced in July 2011, Citi Simplicity is a credit card that recognizes managing your credit card can – and should – be simpler and easier. Designed directly based on feedback from Citi cardmembers, Citi Simplicity features the following benefits:
- No Late Fees. Ever.
-
No Penalty Rate. Ever.
-
No Annual Fee. Ever.
-
A Single Rate for All Borrowing and Spending. The Citi Simplicity Card offers the same rate for all purchases, cash advances and balance transfers, after any introductory or promotional period.
-
No Waiting for Live Help. With the Citi Simplicity Card, cardmembers can quickly and easily reach a customer service professional.
-
Flexibility and Control. Citi Simplicity cardmembers can customize their payment due date and set e-mail and text alerts based on their preferences and needs.
Survey Shows Opportunities for Americans to Save Time, Money and Avoid Late Fees
Research indicates that Americans are still losing time and money due to missed payment deadlines. According to the Citi Simplicity Survey, 59 percent of Americans have paid a bill late in their lifetime (including credit card, utility, cable, etc.), and 88 percent of those have done so in the past 12 months.
- Which bills are being paid late? Half have paid a utility bill late, while almost as many (44 percent) have paid a cell phone and telephone bill after the due date. Credit cards and cable are the next likely bills to be paid late by four in 10 survey respondents.
-
Why are Americans missing due dates? Survey respondents cited forgetfulness (61 percent), lack of available funds (42 percent) and being busy with work and family obligations (39 percent) as the top reasons.
-
Approximately 40 percent of those who have paid a bill late have asked their credit card company or bill issuer to waive a late fee. Credit card late payment fees typically start at $15 and can be as high as $35 per missed payment.
-
More than one-third estimate they are charged up to $25 dollars annually for late payment fees by a biller; one in five estimate they are charged $26 to $50.
-
57 percent of survey respondents who have asked a credit card company to waive their late fee spent at least 10 minutes on the phone regarding this request.
"Americans are increasingly leading hectic, busy lives and are in need of flexible solutions to help them better manage their credit card so they can avoid late fees," said Anthony Merola, Managing Director at Citi Cards. "By completely removing late fees and a penalty rate from the equation, Citi Simplicity is saving cardmembers time and money."
For more information on the Citi Simplicity card, including benefits, terms and how to apply for the card, visit
www.citi.com/simplicity.
May
15, 2013 Miles Card by Discover Card, This card offer can be good for people who
travel.
- $0 Annual Fee 12,000 Bonus Miles
- 0% Intro purchase APR for 6 months, then 10.99% – 22.99% Standard Variable Purchase APR
- 0% Intro balance transfer APR or 6 months, then 10.99% – 22.99% Standard Variable Purchase APR
- 3% Balance transfer fee for each balance transferred
Fees, Set-up & Maintenance Fees
- Annual Fee Zero
- Transaction Fees , Balance Transfer 3% of the amount of each transfer.
- Cash Advance, either $10 or 5% of the amount of each cash advance, whichever is greater.
- Penalty Fees, Late Payment Up to $35
- Returned Payment, p to $35.
12,000 Bonus Miles 1,000 each month you make a purchase
your first 12 months. Double Miles your first $3,000 in travel & restaurant purchases each year, plus 1 Mile for Every $1 you spend on all other purchases.
Double Miles through our exclusive online shopping mall. Unrestricted
travel booked through any airline, travel agent or online travel site. See their
website for all the details and terms of this card offer.
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.
Best Buy credit card - Best Buy® Credit Card or Reward Zone® program MasterCard®: * Start saving with great financing offers exclusively for Best Buy credit card holders. * Reward Zone® program members earn bonus points on select purchases1 made with the Best Buy Credit Card. Online Account Benefits: Special Offers - Best Buy® now offers expanded recycling options. Go green and learn more about new pick-up and drop off services for electronics and appliances. Rewards - Use your Reward Zone® program Mastercard for all your purchases and accelerate your way to the Reward Zone program Premier Silver status. Go green with paperless statements. Your online statements are just like your printed ones-except you get them faster and more securely. And, by choosing paperless, you opt for a greener way of life. Browse hundreds of leading online retailers and earn points toward reward certificates when you shop at the Reward Zone Online Mall.
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