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Custom credit card offers: In addition to specialty cards which offer tailored rewards, there are also credit cards to match your favorite cause, such as breast cancer credit card offers. And, you can design your own credit card. Let's also not forget the different types of cards available: secured, unsecured, rewards, cashback, and department store credit card brands, too. With all these choices, selecting the consumer report best credit card recommendation may not be the perfect card for you. Make your choice based first on what type of cards you qualify for, then from that narrowed-down list select the card which meets your prioritized needs. Perhaps you're more concerned about the APR than anything else? Or maybe your main goal is to earn cashback because you payoff balances in full every month. If you're not interested in traveling, then even the best sky miles credit card won't do you much good.
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
Select a Credit Card Issuer or a Type of Card Offer
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.
credit cards for purchases sometimes can help other good causes. For example,
the Discover card company has a giveaway going on that may benefit education.
Many times Cardmembers may have a way to earn chances to win prizes as they make
purchases using their unsecured credit cards. Discover® recently unveiled a giveaway. According to information on their website, when a purchase is made using
their card, (see the rules), cardmembers may be able to be entered to win prizes
and Discover may contribute a donation to a public school. Consumers may not
always pay attention to benefits or perks offered by companies, but it can be
worth while to know any rewards that may be available for money that must be
spent anyway. Visit the Discover website for all the details.
people who want the convenience of a debit card to replace having to write
checks or carry cash, there are many prepaid
cards available from major issuers like MasterCard.
They offer cards in which the cardholder can make purchases worldwide and the
money is deducted from their bank account. Debit Cards are used for many
different types of purchases, for example, shopping, dining out, traveling, and
to pay bills. There are choices for Gold, Platinum, or World MasterCard debit
American Express Partners with Share Our Strength to Invite Card Members to "Dine For A
American Express Donates Up to $1 Million to Help Provide Kids with Up to 10 Million Meals through the No Kid Hungry Campaign
NEW YORK, December 3, 2013 --
American Express and Share Our Strength announced today “Dine for a Cause,” an initiative to support Share Our Strength’s No Kid Hungry® campaign to end childhood hunger in America. Now through January 31, 2014, American Express Card Members can do their part to help ensure that all children have the healthy food they need, every day. Card Members simply need to register any eligible American Express® Card at www.amexnetwork.com/dineforacause and then each time they use their registered Card at an American Express Card accepting restaurant, American Express will donate $1 each time they dine, up to $1 million, to No Kid Hungry.
For every $1 donated, No Kid Hungry can help provide up to 10 healthy meals to children in need. Through “Dine for a Cause,” American Express will have the potential to give children access to up to 10 million meals.*
“American Express is empowering its Card Members to take action and encouraging our restaurant merchants to spread the word about this initiative,” said Ramón Martín, president of Merchant Services Americas for American Express. “Together, if we ‘Dine for a Cause,’ we can provide millions of children with a nutritious meal this holiday season and beyond.”
“We are passionate about ending childhood hunger in America and we’re proud to support American Express and Share Our Strength in ‘Dine for a Cause,’” said Danny Meyer, New York City Restaurateur and CEO of Union Square Hospitality Group and Board Member of Share Our Strength.
“We are thrilled to partner with American Express in welcoming Card Members to support No Kid Hungry,” said Billy Shore, Founder and CEO of Share Our Strength. “One in five children in America struggles with hunger, but American Express Card Members can help us get one step closer to making No Kid Hungry a reality.”
Since 1984, Share Our Strength has been dedicated to ending childhood hunger by connecting kids in need with nutritious meals and teaching their families how to cook healthy, affordable meals at home. Share Our Strength also raises awareness around the crisis of childhood hunger and provides innovative hunger solutions in communities nationwide.
To learn more, please visit www.nokidhungry.org/dineforacause. Terms and restrictions apply to this offer. For full details and to register your eligible American Express Card, visit
Chase Kicks Off The Holidays with VIP Lounges for United MileagePlus Card Members at Two Major Malls
Special Amenities Include Complimentary Gift Wrapping, Refreshments, Café Seating, Entertainment and More
Wilmington, DE – November 21, 2013 –Chase and United Airlines will again kick off the holiday season with a VIP Lounge experience, where Chase United MileagePlus® Card members relax and take a break from shopping in two United hub cities: Short Hills, N.J., and San Francisco, CA. From November 23 to December 24, 2013, Chase United MileagePlus Card members are welcome–along with up to three guests–to visit the VIP Lounges at two major malls that features refreshments, gift wrapping, bag and coat check, café seating, flat screen televisions as well as periodic special events exclusively for cardmembers.
“The VIP Lounges are a relaxing respite from the bustle of holiday shopping for our United MileagePlus Card members in two very busy malls,” said David Gold, general manager, Chase. “We want to provide extra benefits wherever possible through special programs, such as a VIP Lounge and InsideAccess, a program which offers unique experiences, for our cardmembers. This is of course in addition to the many benefits our cards offer to make traveling much more enjoyable.”
The VIP Lounges will be located in the Westfield San Francisco Centre, CA, and The Mall at Short Hills, N.J., located just miles from Newark Liberty International Airport, this holiday season. The VIP Lounge includes the following free amenities:
- Snacks and beverages
- Gift wrapping
- Bag and coat check
- Café seating
- Flat screen televisions
- Weekly special events
- Football Sundays - check out live game action every Sunday
- Toys for Tots Tuesdays - bring a new, unwrapped toy and receive one United Clubsm pass
United MileagePlus Card members receive premium benefits and services, both at the airport and beyond.
United MileagePlus Club Card members receive exclusive benefits, including:
- United Club membership
- Premier Access travel services
- First and Second checked bags free with the purchase of a ticket using their United MileagePlus Club Card
- No foreign transaction fees
- Luxury hotel and resort collection
United MileagePlus Explorer Card members receive special privileges, including:
- First checked bag free with the purchase of a ticket using their United MileagePlus Explorer Card
- Priority boarding
- No foreign transaction fees
- Two United Club passes per year
- Luxury hotel and resort collection
November 17, 2013 Citi Responds to Appeal for Communities Devastated by Typhoon Yolanda
Launches global fundraising for Philippine Red Cross
Donates ASEAN equities and trade commissions of US$500,000
Citi Foundation pledges US$250,000 to American Red Cross Typhoon Fund
Offers payment relief to clients in affected regions
Manila – In response to the overwhelming devastation wrought by Typhoon Yolanda (international name Haiyan), Citi launched a series of initiatives around the world to support the ongoing around-the-clock relief efforts.
On November 11, Asia Pacific CEO Stephen Bird appealed to employees around the region to assist Citi Philippines’ fund raising campaign for the benefit of the Philippine Red Cross.
“Our thoughts are with the people of the Philippines, and our focus is on supporting those who have lost families and homes,” said Bird. “Citi has operated in the Philippines since 1902, and we have a long history of supporting local communities.”
He also announced a $250,000 disaster relief grant from the Citi Foundation to the American Red Cross Pacific Typhoon Fund, aiding relief and recovery efforts in the affected communities.
Citi’s ASEAN Equities business responded to the appeal by committing to donate all commissions from equity sales and trading operations in ASEAN on November 13 to the Philippine Red Cross, raising a total of US$500,000 to support the Philippine Red Cross’s longer term rebuilding of affected communities.
“The pledges of support from Citi employees around the world have been simply overwhelming,” said Batara Sianturi, Citi Country Officer for the Philippines. “Colleagues who have worked in the Philippines or have relatives and friends here are deeply concerned and want to help in any way they can. We have mobilized the collection of relief goods, coordinated volunteer efforts and continue to campaign for contributions to aid the ongoing rescue work.”
“I am honored to see the response from both our company and our people with their donations and volunteerism in the relief efforts and our clients to the ASEAN trading day,” said Bird.
Other initiatives include:
In the U.S., Citi has activated American Red Cross fundraising microsites to facilitate donations from U.S. employees and clients. Citi’s ThankYou Rewards customers can also redeem their points toward a donation to the American Red Cross at
Citi Canada employees are donating to UNICEF; and the donations will be tripled in impact thanks to a match by the Government of Canada and UNICEF corporate supporters.
Citi Philippines is inviting cardholders to donate to relief operations using their Rewards Points, with the Philippine Red Cross as beneficiary (1,000 Rewards Points is equivalent to P100 donation).
Citi Philippines cardholders can also donate via Citi Mobile and send donations through SMS for the benefit of ABS CBN’s Sagip Kapamilya Foundation. To donate, simply text CITIGIVEKAPAMILYA to 2201.
Citi Philippines also announced it is extending anew a debt payment relief to its clients from the affected regions. Citi credit cardholders can request a 60-day payment extension and late-payment charges will also be waived. Special concessions can also be arranged on a case-to-case basis. Clients may call the 24-hour CitiPhone at 632-995-9999 to avail and for more details.
“In the coming days, we will continue to monitor the situation and provide assistance to our clients and to the greater community,” said Sianturi.
If you wish to donate to Citi’s Typhoon Yolanda Relief Fund, please see account details below:
Account Name: TYPHOON YOLANDA/HAIYAN RELIEF FUND
US Dollar Account No: 1600125377
Peso Account No: 1400172923
Swift Code: CITIPHMX
Routing Number: 021-0000-89 (CITINY)
Address: Citibank, N.A. 8741 Paseo De Roxas Ave. Makati City, Philippines
Black Friday Changes Color as Discover Sends Orange-Clad Crew to Michigan Avenue to Ease Shoppers’ Frustrations
Survey Says Standing in Long Lines Frustrates Chicagoans the Most; More Courtesy Among Shoppers Would Make the Day Much Better
CHICAGO--(BUSINESS WIRE)--Nov. 29, 2013-- The hustle and bustle of Black Friday is enough to test the patience of even the most seasoned shopper. This year, Discover Financial Services surveyed Chicagoland shoppers about what ails them the most on Black Friday and plans to deploy a crew of more than 3 dozen orange-clad helpers on the Magnificent Mile today to help ease the pain of the busiest shopping day of the year.
While 57 percent of Chicagoans said they’re usually excited or happy on Black Friday, 1 in 5 feels overwhelmed by it all, according to a survey commissioned by suburban Riverwoods-based Discover.
When asked which of the following might make shopping a little easier, mood mattered the most for 66 percent of those surveyed:
49 percent of shoppers said they’d like to see more courtesy among shoppers
9 percent wished people would be in a more festive mood
8 percent would want store associates to be more friendly
But 24 percent of Chicagoans said better deals mean the most to them
As for which of the survey’s five most-popular amenities shoppers would want most:
48 percent wished they could have someone else stand in line for them
19 percent preferred to have help finding parking
14 percent would be most happy with free gift-wrapping
13 percent said having someone get them a warm beverage would do the trick
6 percent put a massage at the top of their list
Known for its loyalty and superior customer service, Discover listened to shoppers’ pain points and wanted to do something about it.
“At Discover, we believe in offering unique value and rewarding experiences to our cardmembers, and what could be more rewarding on Black Friday than to give shoppers helpful and friendly services that most people can’t get from their credit card company,” said Julie Loeger, a senior vice president at Discover. “We’re out here today to give everyone a little taste of what it’s like to be a Discover cardmember who enjoys helpful and friendly customer service with rewards and perks that matter.”
Outfitted in bright orange with matching bow ties, Discover’s crew will be at 401 N. Michigan Ave. in Pioneer Court from 10 a.m. to 2 p.m. in a heated orange oasis offering shoppers free gift wrapping, hot chocolate, a warm place to rest, a cell phone charging station and other gifts to brighten up the day.