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Enjoy credit card benefits and perks, ranging from free airline miles, rebates, to cash back credit card incentives and rewards.
Tip: If your bank credit card has a line of credit check the rates and fees before using the line
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.
First National credit card - First National Bank offers a variety of credit cards designed with features, benefits and rewards to meet the needs of your unique lifestyle. Maximum Rewards® Platinum Edition® Visa® Card: * 1.5 points for every $1 in qualifying purchases. * No limit to the number of points you can earn. * Choice of rewards including gift cards, merchandise or travel on any major airline. Visit the Maximum Rewards Guide to see a sample of reward options. Platinum Edition® Visa® Card: * Introductory 0% APR* on purchases for the first 6 billing cycles after your account is opened. * Introductory 0% APR* on balance transfers for the first 12 billing cycles after your account is opened. * A variable APR between 9.99% and 17.99% based on the Prime Rate depending on how you meet our credit criteria after the intro rate expires. * An introductory balance transfer fee of 3% applies to each balance transfer that you make with this offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10). Where applicable, in order to keep the introductory rates you must make payments when due, stay within your credit limit and be sure payments are not dishonored for any reason. Introductory rates do not apply to cash advances.
March 10, 2014
American Express® Green Card:
*** Before applying for any credit card offer, review the terms, fees, and conditions for the card.
March 10, 2014
Discover it® Credit Card:
- Get $50 Cash back Bonus - for every friend that becomes a card member, up to ten new card members a year.
- Your friends get $50 Cashback Bonus after their first purchase within 3 months.*
Some Card Benefits:
- A "No over the limit fee" card offer
- No annual fee