Discover


More® Card – Monogram

  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 0% Intro APR on Purchases and Balance Transfers.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • $0 Fraud Liability Guarantee.

Discover® Student Tropical Beach Card

  • 0% Interest on Purchases for 6 months.
  • No Annual Fee.
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and many more.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Build Your Credit History.
  • Easy Online Account Management Tools.
  • $0 Fraud Liability Guarantee.

Discover® Student Open Road® Card

  • 0% Interest on Purchases for 6 months.
  • No Annual Fee.
  • Build Your Credit History.
  • Full 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month.
  • Up to 1% unlimited Cashback Bonus on all other purchases.
  • $0 Fraud Liability Guarantee.

Discover® Motiva Card

  • 3.99% Intro APR.
  • No Annual Fee.
  • 5% to 20% Cashback Bonus.
  • Earn up to 1% Cashback Bonus on all other purchases.
  • Pay-On-Time Bonus® equal to a full month?s interest added to your Cashback Bonus account.
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Free payment by phone.
  • Automatic email reminders when a Payment Due Date is nearing or when a payment has been made.
  • Unlimited cash rewards.

Discover® Student Card – Monogram Collection

  • 0% Intro APR on Purchases for 6 Months.
  • No Annual Fee.
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and many more.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Easy Online Account Management Tools.
  • Build Your Credit History.
  • $0 Fraud Liability Guarantee.

Discover® Student Card – Clear

  • 0% Interest on Purchases for 6 months.
  • No Annual Fee.
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and many more.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Build Your Credit History.
  • Easy Online Account Management Tools.
  • $0 Fraud Liability Guarantee.

Miles by Discover® Card

  • 0% Intro APR on Purchases and Balance Transfers for 6 months.
  • No Annual Fee.
  • Book any travel, anytime with no blackout dates or restrictions.
  • Double Miles on up to $3,000 in travel and restaurant purchases each year.
  • 1 Mile for every $1 on all your other purchases – personal and business.
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash.
  • Online Account Access.
  • 12,000 Bonus Miles

Discover® Student Card

  • 0% Interest on Purchases for 6 months.
  • No Annual Fee.
  • 5% Cashback Bonus® in categories that change four times a year like travel, gas, restaurants, movies, and more.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Build Your Credit History.
  • Easy Online Account Management Tools.
  • $0 Fraud Liability Guarantee.

More® Card – Clear

  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 0% Intro APR on Purchases and Balance Transfers.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Unlimited cash rewards.
  • $0 Fraud Liability Guarantee.

Discover® Open Road® Card

  • 0% Intro APR on Purchases and Balance Transfers up to 12 months.
  • No Annual Fee.
  • 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month.
  • Up to 1% Cashback Bonus on all other purchases.
  • Unlimited cash rewards that never expire.
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners.
  • $0 Fraud Liability Guarantee.

More® Card – American Flag

  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 0% Intro APR on Purchases and Balance Transfers.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Unlimited cash rewards.
  • $0 Fraud Liability Guarantee.

More® Card – Wildlife Collection
  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like home, apparel and more.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Unlimited cash rewards that never expire.
  • $0 Fraud Liability Guarantee.
  • Choose from 5 exciting wildlife designs.

More® Card

  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 0% Intro APR on Purchases and Balance Transfers.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners.
  • Unlimited cash rewards.
  • $0 Fraud Liability Guarantee.

More® Card – Sealife Collection

  • 0% Intro APR on Purchases and Balance Transfers.
  • No Annual Fee.
  • 5% Cashback Bonus®.
  • Up to 1% Cashback Bonus on all other purchases automatically.
  • Choose from 5 exciting sealife designs.
  • Unlimited cash rewards that never expire.
  • $0 Fraud Liability Guarantee.

American Express


Platinum Card®

  • Earn 25,000 Membership Rewards® Bonus Points when you spend $1,000 in 3 months – Redeemable for one round-trip domestic airline ticket!
  • Fine Hotels & Resorts Program – exclusive amenities at boutique, resort, and luxury hotels around the world.
  • By Invitation Only® Events – access to exclusive, once-in-a-lifetime events.
  • Complimentary Airport Club Access.
  • 24-hour access to Concierge Service for the finest experiences in dining, entertainment, and luxury.
  • The Membership Rewards First® program – Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel.
  • No Pre-set Spending Limit.

Delta Reserve Credit Card

  • 9.99% APR on Balance Transfer for the first 12 months.
  • Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first Purchase.
  • Built-in Miles Boost – earn up to 30,000 MQMs and 30,000 bonus miles.
  • Keep or gift these earned MQMs to friends or family members.
  • Complimentary Crown Room Club® access for you and two guests.
  • Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
  • Access to American Express® Concierge Services.
  • Pay with Miles – pay for all or part of any Delta flight with your miles.

Platinum Delta SkyMiles® Credit Card

  • 9.99% APR on Balance Transfer for the first 12 months.
  • Earn 20,000 bonus miles with first purchase.
  • 2,500 bonus miles for adding an additional cardmember.
  • Earn one mile for every dollar on other eligible purchases.
  • Miles never expire and there is no cap on the miles you can earn.

True Earnings® Card from Costco and American Express

  • 0% Intro APR on Purchases for 3 months.
  • No Annual Fee.
  • Earn 3% Cash Back for gasoline.
  • Earn 3% Cash Back for restaurants.
  • Earn 2% Cash Back for travel.
  • Earn 1% Cash Back everywhere else, including Costco.
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
  • The flexibility to pay charges over time.
  • No Limit on the Cash Back earned.

Preferred Rewards Gold Card

  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months – redeemable for a $100 gift card!
  • Gold Card Events.
  • No Pre-set Spending Limit.
  • Global Assist® Hotline and many more benefits included.

Blue Sky from American Express

  • 0% Intro APR for up to 12 months on Purchases.
  • No Annual Fee.
  • Earn 1 point for every dollar you spend.
  • Low Balance Transfer APR – 2.99% for 12 months.
  • Points good on any airline, hotel, cruise and more.
  • No blackout dates, no travel restrictions.
  • Unlimited rewards: no point caps or expiration dates.

Starwood Preferred Guest® Card

  • 2.9% Intro APR for 6 months.
  • Earn 10,000 Starpoints with your first purchase.
  • Earn 15,000 bonus Starpoints when you spend $15,000 in 6 months.
  • Earn 1 Starpoint for every dollar of eligible spending.
  • Transfer Starpoints® – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines.
  • First year fee-free and only $45 thereafter.

Blue Cash® from American Express

  • 0% Intro APR for up to 12 months on Purchases.
  • No Annual Fee.
  • Earn up to 5% Cash Back on everyday Purchases – even gas!
  • Low Balance Transfer APR – 2.99% for 12 months.
  • Flexibility to pay over time.

Blue from American Express®

  • 0% APR on Purchases for up to 12 months.
  • No Annual Fee.
  • 2.99% Fixed APR on BT for first 12 months.
  • Earn 1 point for every $1 you spend.
  • Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
  • Membership Rewards Express® program.

Secured Credit Cards

Author: creditlawgroup

What is a secured credit card and how does it differ from regular credit cards and prepaid cards?
A secured credit card is an option for a person to build or rebuild his or her credit. Furthermore, a secured credit card provides the opportunity for consumers to gain access to certain services such as renting a car or hotel room. Secured credit cards differ from traditional credit cards in that a deposit is required to serve as the consumer’s credit line whereas with traditional credit cards, the consumer’s credit line is collateral free and based partly upon their credit and payment history. Secured credit cards differ from prepaid credit cards as well. With prepaid cards, there is no required credit history check and the consumer’s credit line is limited to what the consumer has previously paid, or loaded, on the credit card. On the other hand, a secured credit card requires its user to open a savings account which will serve as his or her credit line. The consumer will then continue utilizing the secured credit card as a traditional credit card; in the event the secured credit card user defaults on his or her credit card payment, the user’s savings account will be used as collateral.

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Credit Cards For People With Bad Credit

Author: Sunny Kesh

Bad Credit is a term used to describe someone who is considered a “high risk” to lenders and other finance companies such as factors.

People with bad credit can still get a credit card. You’ll just pay more as result of higher interest rate, and the terms of your card deal will be much stiffer than the average cardholder has to deal with. Before applying for Credit cards for bad credit … let us understand what does bad credit really means and then we’ll look into obtaining credit cards with bad credit

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Looming credit card debt may be next crisis

By Jonathan Spicer

NEW YORK (Reuters) – Top financial executives see no quick end to the global economic storm, warning this week that the current crisis could hold more surprises due to looming credit card debt.

The United States is leading the world into a recession, and perhaps worse, and executives at the Reuters Global Finance Summit said it was hard to make any predictions due to a dire mix of bruised markets, strained governments, and a worried public.

But some things are clear.

“You have to believe that we have frightened the American consumer pretty deeply here,” said Ed Clark, chief executive of Toronto-Dominion Bank (TD.TO: Quote, Profile, Research, Stock Buzz), North America’s seventh-largest bank.

“It’s hard not to believe that they’re not going to go on strike for a period of time,” he told the Reuters Summit. “And it’s hard to see the positive element that’s going to save us from having a deep recession,”

Executives told the Reuters Summit the mortgage-inspired crisis infecting markets will likely be followed by even bigger problems borne out of growing credit card debt.

A credit card crisis “is waiting in the wings,” said John Whitehead, former chairman of Goldman Sachs Group Inc (GS.N: Quote, Profile, Research, Stock Buzz) and former U.S. Deputy Secretary of State under President Ronald Reagan.

Continue reading “Looming credit card debt may be next crisis”