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August 30, 2008
Chevy Cobalt Extended Warranties – Get $200 Free Gas
Chevy Cobalt Extended Warranties.... And Free Gas!
Click Now – Chevy Cobalt Extended Warranty Quote. . .Order today & get $200 in Gas
Chevy Cobalt extended warranties are especially important after your new vehicle limited powertrain warranty has expired. It is even more important if you have the Chevrolet Cobalt sport coupe because, as you know already, the Cobalt has some serious get up and go! Because of the power under the hood it’s tough not to step on the gas on occasion and because of the added wear and tear that comes from having some fun with a sport coupe such as the Chevy Cobalt there will be expensive repair bills right around the corner
Manufacturers design their car warranty programs to end when engine troubles typically begin. It’s worth getting a free quote to find out how much Chevy Cobalt extended warranties are for your particular year and model.
The best extended warranty company I found offers some of the best deals but what makes these guys stand out far above their competitors in the extended warranty business is the $200 FREE gas offer on right now when you get an extend warranty for your Cobalt.
Chevrolet Cobalt Extended Warranty – No Obligation Quote
Get an extended warranty quote, don’t miss out on the $200 FREE gas offer with your warranty purchase.
Click Now – Extended Warranty Quote. . .
Chevy Malibu Extended Warranty – $200 Gas Incentive
Chevy Malibu Extended Warranty
If you own a 2002, 2003 or 2004 Chevrolet Malibu (or older) then it’s time for you to consider getting quotes on extended warranties because your new vehicle limited warranty has likely already expired leaving you with zero warranty protection and have to be warned that shortly after the GM protection plan period has expired is when engine trouble can begin.
As you already know this website has been created to help you save money and get the best offers on the market with anything to do with money and we have found a special offer for Chevy Malibu extended warranties. If you want to find out how much a Chevy Malibu extended warranty will cost, there is a no obligation service we found that will send you a quote for coverage and if you order the extended warranty program you will get $200 in FREE Gas!!!
You read that right!
Order your Malibu extended warranty right now and you will get $200 in free gas!
I have not seen any other companies offering this amazing gift with their extended warranties…
I don’t know how long this offer will be available so I would definitely take advantage as the special offer may get pulled anytime
Again if your Chevy Malibu is 2003 or 2004 or older then the time is now to get warranty coverage.
Get the Best Chevy Malibu Extended Warranties
Click on the link below to get your free, no obligation quote for your Malibu
Click Now – Extended Warranty Quote. . .
Chevy Silverado Extended Warranties - Get Free Quotes & $200 Free Gas
Free Chevy Silverado Extended Warranty Quotes
Get $200 Free Gas - Get an Extended Warranty Quote Now....
There are after-market Chevy Silverado extended warranties that will cover you even after the GM manufacturer powertrain limited warranty has expired, most people don’t realize that they exist. As a Chevrolet Silverado owner you know (or should know) that truck repair jobs are not cheap.
The total cost of ownership on a truck is very high and in today’s economy you must find every avenue to save money and that is why I always cover myself with an extended warranty. Let’s say you are driving a used or high miles Silverado 3500HD crew cab with 4wd, you know that is a very large gas guzzling truck and the cost of gas is far out of control, now imagine you have to add unexpected repair bills to the mix. There are a lot of expensive things that can go wrong on a Chevrolet Silverado. Extended warranties will help you lower the total cost of ownership on your vehicle.
You owe it to yourself to reduce the cost of operating your Silverado and at least find out how much an extended warranty program is.
It will take you less than a minute to view quotes for Chevy Silverado extended warranties.
Click Here Now - Get Free Extended Warranty Quotes & You Could Get $200 in FREE Gas!
Posted by Colin at 03:36 PM | Permalink | Comments (0) | TrackBacks (0)Chevy Trailblazer Extended Warranties - Get $200 Free Gas Now
Did you know you can get free quotes on Chevy Trailblazer Extended Warranties and when you protect your investment with a warranty program you get $200 in free gas?
Not only will you be protected against mechanical breakdown you get $200 to put in your gas tank. Who couldn’t use free gas?
If you are driving a used or high mileage Chevy Trailblazer, extended warranties can really save you big time on the cost of engine or transmission repair.
Let’s face it, cars do breakdown no matter how well you take car of your vehicle. It’s inevitable that something will go wrong with an older car so you owe to your personal budget to have the peace of mind of know you have warranty protection behind you for the day your Chevrolet Trailblazer has a mechanical issue.
Don’t miss out on an opportunity to have extended warranty coverage and $200 in free gas.
There is no risk and no obligation, so what are you waiting for?
Get a quote extended coverage on your Chevrolet Trailblazer right now (click here)
Let’s say you were driving a Chevrolet Trailblazer LT1 4WD and immediately after your GM manufacturer warranty expires, your transmission fails, then you are left holding a huge repair bill. It is a very common occurrence that immediately after the warranty period expires there is a serious problem and that is why you need an extended warranty
Chevy Impala Extended Warranty Saved The Day
Jeff Was Saved by His Extended Warranty he got for his 2000 Chevy Impala
Click Now & You Could Get $200 in FREE Gas!
My friend, Jeff, bought a used Chevy Impala and he ended up having several electrical problems. At first Jeff thought his Impala was having mechanical breakdowns because the engine warning lights kept coming on.
Jeff bought several manuals to try to trouble-shoot the problems himself but he could find anything wrong with the mechanics of the car so he figured there must be a glitch or bad connection with the warning system and he proceeded to just ignore the problem lights that were appearing...
Until he stalled out in rush hour traffic....
Jeff had a roadside assistance program with his credit card so he was grateful for that... He didn't have to pay a dime to have his used Chevy Impala towed back home...
After the ordeal of having a mechanical breakdown, Jeff was seriously considering selling his Chevrolet Impala but then figured if he sells the Impala then he has to buy another used car which may have problems too...
As he contemplated what to do he realized that he had purchased an extended warranty on his Impala.
The repairs on the electrical system on his Impala made it worth every penny he spent on the extended warranty program he bought.
Moral of the Story:
Extended warranty programs will provide you with solace in knowing that you will be protected from the sky-rocketing cost of auto repairs.
If Jeff had not taken advantage of an offer he received for his Chevy Impala from a company that provides extended warranties on used and high mileage vehicles, he would have been in a serious financial bind!
To this day the extended warranty policy he got has been paying off and has saved him money on car repair costs.
Even if you don't drive a Chevrolet Impala, if your vehicle is higher in mileage and the dealership warranty period has expired it is worth at least considering.
If you aren't sure what the cost might be for extended warranties for your vehicle you owe it to yourself to know the cost.
To get a FREE no obligation quote on used car extended warranties, click here now.....
Not only was Jeff's Chevy Impala protected because he took the time to compare quotes on extended warranties, he saved a bundle of cash after the first mechanical failure he had with his car
Posted by Colin at 12:45 AM | Permalink | Comments (0) | TrackBacks (0)August 23, 2008
0 APR Credit Card Offers get you out of Debt
No Interest Credit Cards and Your Credit Card Debt....
You are a very smart person because you are ready to take control of putting cash back in your wallet. One of the most expensive debts to hold is that which is on your credit card and I say you are smart because you realize that and you have the wisdom to apply for a no interest credit card.
Beyond saving money on interest there are some other issues to consider to maximize your savings.
The Top 5 Considerations for No Interest Credit Cards:
1. How long the no interest intro APR (Annual Percentage Rate) intro period applies.
2. What the terms and conditions are for your introductory period
3. Does the no interest period apply to balance transfers?
4. Does the interest free period apply to new purchases?
5. Are there added rewards that say you can redeem for gift cards?
Issuers Offering a No Interest Introductory Period
Before you apply for a card to take advantage of no interest card offers you need to apply for the right offer. Because everybody has a different credit rating and everybody is at a different point in life, credit cards are categorized and then sub-categorized from there so here are top no interest credit card offers by main category
Best No Interest Student Credit Card
Capital One® Standard Platinum for Students
Best Bank of America Offer
Bank of America® Platinum Plus® Visa® Card
Best Capital One No Interest Offer
Capital One® Platinum
Best American Express Card with 0% APR Intro Offer
Discover Card
The Discover credit card offer, Discover® Open Road(SM) Card has been chosen best in class for people with good credit
Best Card for People with Bad Credit
HSBC Bank - Orchard Bank Classic MasterCards
Introductory Rates and Periods
Introductory Rate Purchases : 0%
Introductory Period Purchases : 6 months
Introductory Rate Balance Transfers : 0%
Introductory Period Balance Transfers : 6 months
Interest Rates
Purchases : 7.90% - 15.99%
Balance Transfer :7.90% - 15.99%
Cash Advances : *
Penalty : *
Fees
Annual Fee : $0 - $79
Late Fee :$30-$35*
Cash Advance Fee : $5 or 5%*
Balance Transfer Fee : 5%* ($10 min.)
FCE Fee : 3%*
Best No Interest Business Credit Card Application
Capital One® Business Platinum with No Hassle Miles(SM)
Best Cash Back Card with No Interest
The best cashback bonus is always getting paid the first time you use your credit card.
The Chase Freedom Card gives you that, $50 cash back on your first purchase now that is a great deal! A credit card that instantly pays you when you use your card, you know you have to take advantage of that, apply today (click here for online application).
If the suggested no interest card offers listed here don't fit your current credit situation or if you want to view other cashback reward, travel, or even gift card offers then visit our comprehensive low rate credit card application section of the site (click here).
Posted by Colin at 03:56 PM | Permalink | Comments (0) | TrackBacks (0)Did Your Banker LIe About a Credit Card Offer
Credit Card Offers Explained
For decades people have been trying to figure out what the best credit card deals are. The answer as to what the best credit cards are isn’t as simple as you might first think.
If you are looking for a 0% intro APR your thought might be whatever offer gives me the longest term on credit card purchases, but I have to tell you the truth about this thinking, not all credit card deals are structured the same.
Going with the example of applying for a 0% APR card offer, on the surface seeing 0% for let’s say 15 months on new purchase is a great deal, but if you currently have a balance on another credit card then you have to view the terms and conditions for the introductory APR on balance transfers because the rate on transfers may be different from the purchase APR’s.
You might think you are getting a great credit card offer but after you read the fine print you will suddenly recognize that the big banks are simply trying to rip you have with false hopes and promises and as direct result of this revelation you must take the onus on yourself to check the card offer terms and conditions.
Some credit offers boast being the best credit card application because they have no annual fee or they claim their business credit card offers are best in class because of whatever reasons they shove down you throat. But I am getting across here boils down to this, whether you are looking for a business, bad credit or even a student credit card for that matter, the major financial lenders have only one goal in mind and that is their businesses bottom line.
To increase their business, credit card companies, will execute cut throat marketing tactics to make you perceive their “rewards credit offer” or their “0% Intro APR” offer is a step above the rest of the card issuers on the market to entice you into their own credit card offer and then proceed to scour every nickel you have anywhere in your night stand.
Here is exactly what you need in order to apply for the best credit card offer that will give you the maximum rewards for what you current situation is:
Credit Card Offers for People with Bad Credit
1. If you have bad credit, the best credit card offers will give you at least a minimal interest free period on balance transfers. This will save you money and help your credit score, and boosting your credit score is all you should care about when applying for a credit card offer.
Credit Card Offers for People with Poor to Good Credit
2. If you have poor to good credit, you are a person that has forgotten to pay their bills due, likely being too busy with career and life issues, and the major banks have you minor indiscretions against you for this so you need to think about your role in have less than perfect credit and stop being angry with the banks for not issuing the best credit card deals and apply only for credit card offers that are designed for you specifically.
What that means for you when it comes to reviewing a particular card offer is you need to do one thing. That one thing you must do is spend 5 minutes to peruse the offer terms and conditions and further to that actually take an additional 10 minutes to write down on a calendar items such as when introductory rate expire as well as the conditions of how and when a 0% introductory card offer expires.
For millions of Americans that are lumped into the good to fair credit rating category, it is for the most part not due to inability to pay, the case is more typically that you are simply overburdened in your day-to-day life that you forget about menial issues such as your credit card offer terms.
It’s only when you get your statement that you ask yourself this:
“But I thought when I applied for that particular offer that my credit card rates, bonuses, rewards, etc, were supposed to be XYZ.”
No, you are not an awful person because you forgot what the initial credit card offer terms and conditions were, you are simply a busy person.
So all I am suggesting to you is to be “less busy” when you are considering credit card offers. Take more time to note the offer stipulations and if you heed this advice your credit score will enter the “credit card offers for people with excellent credit” category faster than you ever thought possible!
Credit Card Offers for People with Excellent Credit
If you have excellent credit, then you pretty much have free run at all credit card offers so you biggest problem is choosing the rewards and benefits that best fit your lifestyle.
If you have excellent credit then all you need to do when reviewing credit card offers is compare the rewards you want and then apply. People with excellent credit pretty much have free run at every credit card offer they want, so ask and you shall receive.
Posted by Colin at 01:46 AM | Permalink | Comments (0) | TrackBacks (0)August 22, 2008
Best Low Interest Credit Cards Period
What are the Best Low Interest Credit Cards
When you are looking for the best low interest credit cards you have to consider a few issues prior to submitting your online application. You see, there are some card offers that will give you the best ongoing rates and will have special introductory offers of 0% APR for up to 15 months but the key to getting a low interest credit card is having a good credit score.
If you are thinking that you can qualify for a low interest credit card and you have bad credit, you must know in advance that with bad credit you won't get the best offers so you need to evaluate where your credit score stands first before you apply.
To help you find the best low interest card for your credit situation, the best offers have been broken down by credit type. Since offers do change please check the current terms and conditions with the issuing card and view items such as introductory rates offered on balances transfers and purchases. Different rates may apply to balance transfers vs new purchases.
The following offers have been chosen best in class for each credit rating with consideration given to:
1. Introductory interest free period.
2. Ongoing APR's, cards that offer long term low interest rates.
3. Additional rewards offered.
Blue from American Express is the best low rate credit card for people with excellent credit because:
1. The length of time of the introductory offer. A 15 mo. Interest free period is the best 0% APR duration possible.
2. The ongoing APR is as low as 8.99% which is the best ongoing rate in the credit card industry.
3. You earn additional rewards points for travel, gift cards and entertainment. American Express has specialized in entertainment rewards for decades now so if you are like me and enjoy purchasing tickets to sporting events, concerts and even amazing Broadway show experiences then you must apply right now for Blue from American Express
Key Benefits from Blue from American Express:
Best Low Interest Card for Good Credit
The Discover credit card offer, Discover® Open Road(SM) Card has been chosen best in class for people with good credit
1. Introductory interest free period is for up to 12 months on both purchases and balance transfers
2. The Discover® Open Road(SM) Card boasts an ongoing APR of as low as 10.99%. Getting a rate as low as 10.99% for people with good credit is about as low of an interest rate that you will find. Good credit means that you have a few missed payments, as a result you won't qualify for the lowest rates on the market.
Additional rewards offered with the Discover® Open Road(SM) Card:
Orchard Bank Classic MasterCards are the perfect solution for people with bad credit because they offer you some of the lowest ongoing interest rates for those with bad credit and the best feature HSBC bank offers is an intro 0% interest rate. If you have bad credit the best thing you can do for yourself is to save some money on incredibly inflated interest rates. When you have bad credit, banks cash in big time by charging you interest rates that are right through the roof
HSBC Bank - Orchard Bank Classic MasterCards
1. Introductory interest free period up to 6 months on both purchases and balance transfers. If you have a card with an unacceptable APR and you have bad credit then you absolutely must take action right now and apply for the HSBC Bank MasterCard.
2. Ongoing APR's, cards that offer long term low interest rates
3. An additional benefit offered by the HSBC Bank MasterCard offer is you get cell phone reminders that bills are coming due. When you have bad credit the most important thing you want to focus on is restoring your credit rating. When you miss credit card payments your credit score is impacted and the HSBC Bank MasterCard offer sets you up for success in restoring your credit with cell phone alerts.
If you aren't sure what the best low interest credit cards are for your current credit needs then take a moment to browse all Low Interest Credit Card Application (click here) section of the website
August 20, 2008
Bad Credit Credit Cards Aid Financial Restoration
Got Bad Credit? Credit Cards are Essential for Everyday Living
Yes! There are bad credit card cards for people with bad credit or no credit are in this situation because, as a borrower, your issued credit at some point became unmanageable. The reason for most people with very bad credit is mainly due to a lack of financial education through your younger years.
It's unfortunate that the previous generation didn't teach us about money and credit management however since you are likely reading this because it's too late and you are currently in a situation where your credit got out of control and you are desperately looking to apply for a credit card because you are quickly seeing that living without a credit card is really tough in this day and age.
Likely you have been applying for credit cards and are feeling a bit discouraged, receiving reject after reject on the card offers you apply for. Do not despair; there are financial companies that have packaged bad credit card cards that you can qualify for
While those of you that have less than perfect credit are now in a bit of a bind I do have some good news, there are companies that will extend credit to you.
Credit card offers for those with bad credit are a real blessing because they can help you re-establish your credit rating on file with the major credit bureaus.
According to an article I just read from the Nashville Business Journal:
A study conducted by Citizens for Equal Access to Credit found that a large percentage of subprime credit card users improved their credit rating within a two-year period.
Based on a study of 360,000 card users, at least 35 percent of consumers with low-limit credit cards improved their credit scores in two years. More than 60 percent increased their score by 40 or more points and were awarded a higher credit-card limit.
Javier Cuebas, the Executive Director at the Citizens for Equal Access to Credit, reported that 1 in 3 Americans are in the category of people with bad credit.
So the need for bad credit credit cards is higher than ever and financial institutions have responded by designed card offers with low limits.
By issuing card offers with a small credit limit mitigates the risk to the issuing credit card company by keeping potential losses to an absolute minimum while giving you the ability to restore your credit bureau score.
Application Tips for People with Bad Credit
First of all I would like to help with your financial education and make you aware of what you need to know before you apply for a bad credit credit card offer.
Make sure you read the full rate & term detail as well as any fees and disclosures. Credit card issuers are required to make full disclosure of all fees and conditions on cards they issue.
Applying for a credit card and making sure you are comparing offers that are suited for people with bad credit will ensure that you fully understand the costs associated with the card you apply for. If the fees or terms are not to your satisfaction, then move on to the next application. Gaining financial wisdom is really that simple.
If you thought I was going to make a profound statement about applying for bad credit credit cards, I apologize for letting you down! It's important that I get my point across though that you take a few minutes to read the conditions and fees that you are agreeing to.
Credit Card Offers for People with Bad Credit
The best credit card offers for people with bad credit are:
Click here to view, apply and get accepted now . . .
Orchard Bank Classic MasterCards
Bank of America Secured Visa® Card
Continental Finance MasterCard®
*See website for other fees, rates, and terms and conditions
Continental Finance Gold MasterCard®
*See website for other fees, rates, and terms and conditions.
View more and apply online now - Click here to get a credit card for people with bad credit ...
August 19, 2008
Applying for a Credit Card - What you might have missed
What you don't know when you apply for a credit card may hurt you....
Here we are going to demystify the jargon associated with online credit card applications so that you can apply for a credit card that fits your needs.
First you will see there are several categories and sub-categories and even that can be broken down further into even more types of credit card offers. Yes, it can get a bit confusing. Perhaps confusing is the wrong phrase, it's more like information overload when you set out to apply online for a credit card offer.
The 2 top level categories you must focus on is where your credit score is. If you have bad credit then only apply for card offers that are designed for your credit situation otherwise your application will be rejected and your credit score will be further impacted making it more difficult to qualify for a credit card.
Now if you have good to excellent credit then you should apply for a credit card that offers added benefits and perks.
For those with Poor to Fair Credit
My advice when I am helping others with financial planning issues to apply for a card designed specifically for those with bad credit and uses that as a tool to restore your credit rating.
Secured Credit Cards
When you have bad credit the best option for you is a secured credit card. The way a secured card offers works is this simple:Let's say you want a $2000 line of credit, the issuing card company will require you to place $2000 in a bank account as a security deposit to eliminate the risk to the bank.
You don't have access to the $2000 security deposit and it is not used to pay your balance owing each month. A secured credit card works exactly like a regular credit card so you still receive a monthly bill that you must pay at least the minimum balance.
One of the best secured credit card offers on the market today is the Bank of America Secured Visa® Card
Get more details and apply online for the Bank of America Secured Visa® Card
Bank of America Secured Visa® Card - Click here to apply now.
Debit Cards
Prepaid debit cards are very similar to secured credit cards, the difference is that with a prepaid debit card you fund the card and the money you place on your credit card is debited until there are no funds left. There is no security deposit that's held, you apply the cash to the card then use that cash until it's spent. Once the funds have been depleted you need to fund the card again.
For those with Good to Excellent Credit
Balance Transfer Credit Cards
If you currently carry a balance on your credit card then a balance transfer card is the perfect tool to save money right now. You can get 0% introductory rates anywhere from 6 months up to 15 months.
It is important to note that if you are late or miss a payment that the 0% APR intro rate will usually be revoked and regular rates will apply. You should use a balance transfer credit card as a way to pay off your credit card debt, but you must be discipline and make sure those bills get paid on time.
Rewards Credit Cards
Yes, you really can earn rewards you credit card purchases and with our exclusive online shopping discount section there are even more savings to be had so you need to further drill down into the credit card rewards category to get the best deal for yourself
To get a list of the credit card reward programs available please visit our application section of the site to find the best credit card rewards for your needs.
Best Chase Card Offers
Are Chase credit cards worth your review?
Chase is ready for the credit card war. That's right there is a battle going on between credit card companies to win your business by offering you deals with a shopping rebate offer, travel rewards and scads of airline reward miles.
When you set out to review credit card offers it is really tough to figure out which company is actually offering the best deal and I can tell you from my experience that Chase wants you a cardholder of their credit cards because of the suite of offers they have packaged.
If you want to browse and compare Chase card offers visit our application information section to get the features of each Chase credit card
Click Here to View Chase Credit Card Applications
Best Chase Credit Card Offers by Type
When you are comparing offers, you will notice that Chase cards have no annual fee. While credit card annual fees are a standard occurrence in the financial lending industry I encourage you to take note that Chase does not charge an annual fee in most cases because they have listened to the voice of their customers!
Chase knows that you don't want to get raked over the coals with hidden charges so they have designed their card offers with you in mind.
Now, let's get into the Chase cards to review what we think are best:
Best 0% APR Introductory Offer
Chase Platinum Visa Card wins because they feature:
Get more details and apply online now for the Chase Platinum Visa Card (click here)
Best Chase Business Credit Card
The Chase Rebate Business Card is the winner in this category because of the amazing reward structure offered. Check out the reward program offered with this credit card for business from Chase:
Cash Back Rewards
The Chase Freedom Card is a long standing favorite for us here at Crediteria in the cash back rewards category because you get $50 cash back when you make your first purchase with your Freedom Card.
Here are the key points:
Best Chase Visa Credit Card
Chase Free Cash Rewards(SM) Visa® Card
When you can save money on interest with a 0% intro APR and get bonus points after making just one purchase on your credit card you are gaining ground faster than you can imagine
Here are the best features of the Chase Free Cash Rewards Visa Card:
ref="http://apply.crediteria.com/Chase-Free-Cash-RewardsSM-Visa-Card.html" rel="nofollow">Chase Free Cash Rewards Visa Card - Click to Apply Now
Best Chase MasterCard
Chase Platinum MasterCard® offer details:
Chase Platinum MasterCard® - Click Here to Apply Now
Best Chase Platinum Card
The Chase Platinum Visa® Card gives those with good credit a chance to save on costly interest charges for up to 12 months and when you combine that with the added savings of no annual fee you know you are applying for a great Platinum card offer!
Here are the offer details for the Chase Platinum Visa® Card:
Apply online now for the Chase Platinum Visa® Card (click here)
After you receive your credit card from Chase you will be very thrilled with the rewards and how fast you can earn rewards and save on costly interest payments.
To get the best credit card offers listed by type and by card issuer visit our online application center here.
Posted by Colin at 02:51 AM | Permalink | Comments (0) | TrackBacks (0)August 15, 2008
Best Reward Credit Cards by Category
To get the maximum benefit from a credit card rewards program you need to look beyond the perks offered by the card issuer. You need to pay attention to the fine print and discover what fees are attached to the card offer.
Here are the fees you should watch for when you apply for a card:
Now that you know what fees to look out for when you apply the next step for you is to determine what rewards best fit your lifestyle.
Most Popular Reward Credit Cards by Category
No two people are exactly alike and thus the need for various rewards programs. The following is a list of the best reward credit cards by the most popular categories
0% Intro APR on Balance Transfers
The top card offers with an interest free introductory period are:
Cash Back Rewards
Blue Cash® from American Express
Frequent Flyer Rewards
Blue Sky from American Express®
Gas Station Reward Cards
Chase PerfectCard™ MasterCard®
Business Credit Card Rewards
Advanta Life-of-Balance Platinum Card
SimplyCash® Business Card from American Express
Hopefully this helps you get a better feel for the best reward credit card offers on the market today. If you didn’t find the exact card offer to fit your needs in this article then you should check out a full list of the best credit card offers in our card application section of the website.
When you are reviewing various offers it's a good idea to have pen and paper handy to make notes about the key features of each reward offer.
Posted by Colin at 08:16 PM | Permalink | Comments (0) | TrackBacks (0)August 14, 2008
Comparing Credit Card Offers Demystified
How to Compare Credit Cards
Before you dive in and begin to compare credit cards there are a few things you need to know in order to find the best credit card offer. Each cardholder is looking for different features and benefits based on credit history and lifestyle. In order to find the best offer for your current credit situation and what benefits you desire you need to compare credit card offers by category.
I am always shocked to hear how much time people spend trying to figure out what credit card offer they want to apply. The reason people tend to get confused about card offers is largely due to the sheer volume of applications to choose from.
So let’s get down to the basics to help you select a card offer category to get you the best credit card deal possible for your situation.
Let’s start with this question:
Do you currently carry a sizable balance on an existing credit card?
If so, you should really consider a balance transfer credit card offering introductory rates of as low as 0% APR for anywhere from 6 months to 15 months.
The reason I recommend a balance transfer card for those people that carry large credit card balances is this can save you hundreds of dollars every month.
The next consideration you must take into account is where your current credit rating stands. If you have bad credit then you likely won’t qualify for a 0% APR balance transfer card offer so you will need to consider applying for the following card categories:
1. Prepaid debit card
It’s important to find out if any fees associated with a prepaid card are reported to the credit bureaus because you will want use this as an opportunity to build your credit score so that you can qualify for credit cards offering rewards and other perks.
2. A secured card offer
The difference between a secured card and a debit card boils down to this a secured offer holds a security deposit that you pay which the card issuer holds, however the security deposit is not used to apply to the balance you owe. A debit card is funded first and then you spend what you placed on the card.
The next thing you want to take into account is what the ongoing interest rates are, the biggest burden that cardholders have is high interest rates which cause a downward spiral effect because you are compounding interest month after month making the bank rich.
After consider ongoing APR’s the next feature you should look for in a credit card is the rewards programs available. My personal preference for credit card rewards are offers that give you cash back. Heck, cash is the best reward because you can use it for whatever your heart desires and best of all if you do tend to carry a balance you can use your cash back rewards to pay down the balance owing on your card.
Now that some of the confusion has been taken out of which credit card to apply for, take a moment to visit the credit card application section of Crediteria.com (click here) right now to find the best credit card offer for you.
August 13, 2008
Top Ten Credit Cards by Crediteria.com
List of the Top Ten Credit Cards
Before you go off applying for the top ten credit cards you really need to know where your credit score stands. If you don’t know your credit score then you need to go order a free credit report right now because if you continually apply for credit cards that you don’t qualify for your FICO score will be impacted lessen your chances of getting a credit card.
Before you start perusing this list of the top ten credit cards go order your 3-in-1 credit report which will show you the information the 3 major credit bureau scores. Not only will you see your credit score, you will also be helping yourself avoid becoming a victim of identity theft.
As I mentioned before you apply for any of the top ten credit cards listed here you must know what the 3 major credit bureaus have on file for you. In case you are not familiar with the bureaus they are:
1. TransUnion
Contact Info for TransUnion:
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
2. Equifax
Contact info for Equifax:
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
3. Experian
Contact info for Experian:
P.O. Box 2002
Allen, TX 75013
1 888 397 3742
If you want to find out more about why ordering your 3-in-1 credit report can help prevent identity theft then you must go read through the information we have provided in our identity theft section. If you see items on your credit bureau reports that are not accurate then you will be able to better protect your self, see the Identity Theft Worksheet we have put together to help you minimize the damage that identity theft can cause.
Now back let’s get to the top ten credit cards on the market today:
1. The Chase Platinum Visa® Card
Click here to apply online today for the Chase Platinum Visa® Card
2. Chase Freedom(SM) Credit Card
Click here to apply online today for the Chase Freedom(SM) Credit Card
3. Chase Free Cash Rewards(SM) Visa® Card
Click here to apply online today for the Chase Free Cash Rewards(SM) Visa® Card
4. Bank of America® Platinum Plus® Visa® Card
Click here to apply online today for the Bank of America® Platinum Plus® Visa® Card
5. Bank of America Accelerated Rewards™ American Express® Card
Click here to apply online today for the Bank of America Accelerated Rewards™ American Express® Card
6. American DreamCard™ MasterCard®
Click here to apply online today for the American DreamCard
7. Prepaid Card - Wired Plastic Debit Card with Rewards
Click here to apply online today for the Wired Plastic prepaid card
8. Discover® Student Card
Click here to apply online today for the Discover® Student Card
9. Advanta Life-of-Balance Platinum Card
Click here to apply online today for the Advanta Life-of-Balance Platinum Card
10. SimplyCash® Business Card from American Express
Click here to apply online today for the SimplyCash® Business Card from American Express
There you have it, Crediteria’s current list of the top ten credit cards based on rewards, annual fees and APR’s however you do need to take into consideration everybody is at a different point with their credit score and credit needs so use this list of the top 10 credit cards more or less as a general guide. Remember to get a 3-in-1 credit report before haphazardly start applying for credit cards, by doing so you will be entering the market as an informed consumer.
August 12, 2008
Best Cash Back Credit Card Offers
Been looking for the best deals on cash back credit card offers?
The folks here at Creditieria.com have been busy digging up the truth on which offers are truly the best cash back deals on the market today. Please read on to get the latest deals to save you the most to put more cash back in your wallet.
Before I dive into the best cash back credit cards, there are a few things for you to consider beyond just getting a cash back card.
You will also want to consider issues such as:
A card offer that leaves rates unchanged
Consider a card that also has a 0% Intro Rate; some card offers have 0% for 12mos.
The Federal Reserve has put forth new regulations that force the credit card company to make it very clear as to the exact date intro rates expire as well as what exactly the ongoing interest rates are. Ideally you want a card offer where rates stay put for a long period of time ongoing after the intro rate expires.
The exact number of men and women who are seeking to get the best cash back rewards is unknown but during my interviews with financial planner, they report that most of their clients are in the dark when it comes to leveraging credit card reward savings largely due to being too busy in day-to-day life to be bothered to look at their real costs of being a cardholder.
Some financial planners recommend leading a cash-only lifestyle today which seems as though it’s a wise idea but if you only use cash then you are missing out on cash back offers that can help you get ahead. I know, responsible use of credit cards seems as foreign as little green men from mars but with a little discipline, you can take the cash only lifestyle and draw the cash from your bank account to apply to your credit card which seems like a smarter idea to me since you can then take advantage of cash back credit card deals. It’s hard to understand why for a lot of people because of the bad rap credit card offers have received due to people mismanaging their credit card use but again with a little self-control you can take advantage of some of the best cash earnings through credit card rewards.
Many financial experts suggest that the problem is widespread, the problem being that most people simply don’t have the time to take advantage of some key benefits offered by credit card issuers.
Since credit cards are part of your everyday lives, after who can live without credit cards these days… Some people do but….
The rest of this entry lists the best cash back credit card offers on the market today
Best 0% for 12 mo. Card Offer
Getting cash back is one of the best rewards offered by card companies however you can get added cash savings by applying for a card that has a 0% intro APR. The best card offer on the market that gives you cash bonuses and an interest free introductory period is the Blue Cash from American Express. The only downside to this American Express offer is it requires you to have excellent credit.
Blue Cash from American Express
Get More Info and Apply Online Now for the Blue from American Express
Frequent Flier Credit Card Offers with Cash Back
Get in the air faster by earning money on your travel and everyday expenses.
Chase TravelPlus Visa® Card
The best frequent flier credit card is the Chase TravelPlus Visa® Card because it gives you the following benefits
Read More About & Apply Now for the Chase TravelPlus Visa
5% Cash Back Card Offers
Once again, the Blue Cash from American Express shows up in another best of category. Blue Cash gives you a 0% for month interest free period and it also gives you 5% cash back making Blue Cash an excellent card to apply for. Remember it requires excellent credit to qualify.
Get More Info and Apply Online Now for the Blue from American Express
The next best card offer with 5% cash back is Discover Open Road card.
Key Features of the Discover® Open Road(SM) Card
No Annual Fee with Cash Back Card Offers
There are tons of ways to save money on the cost of your credit card. I have discussed cash back rewards and savings with 0% introductory offers. Another thing you need to take into account when applying for a credit card is the annual fee. Each of the above card offers have no annual fee but there is another offer you must consider when you apply for a credit card, that offer is the Chase Freedom(SM) Credit Card.
Key Features of the Chase Freedom(SM) Credit Card
For more information about the Chase Freedom credit card
Posted by Colin at 07:56 PM | Permalink | Comments (0) | TrackBacks (0)August 11, 2008
Gas Rewards Saving Families From Ruin Right Now
According to a recent Lundberg Survey, gas prices are dropping across the United States. This is excellent news for cash strapped families. Lundberg reported that the average price of gasoline at self serve gas stations was at $3.85 per gallon, down from about $4.00 per gallon which translates to about an average savings per fuelling of about $10!
While it’s hard to predict if the falling price of gas will continue it is certainly a welcomed relief. Anytime you can save an additional $10 is always a great thing.
Did you know that you can save even more money on the cost of putting gas in your car?
That’s right, there are more gasoline savings for savvy consumers!
Did you know that your everyday spending can put cash back in your pocket?
I know you are likely aware of credit card reward programs, but are you taking action to leverage putting gas into your car?
Most people are simply too busy to take action to get the savings they deserve. Since the cost of just about everything is tending to rise you must take advantage of every savings opportunity you can find.
Gas Credit Cards to the Rescue
There are tons of gas credit cards that will put cash back into your wallet every time you fuel your car! Savvy consumers are jumping all over these offers to lower the cost of living.Here are the best card offers on the market that reward you for putting gas into your car:
Discover® Open Road(SM) Card
Here are the key features of the Discover Open Road Card:
• 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
• Save at the pump and everywhere else.*
• 5% Cashback Bonus® on gas and auto maintenance purchases
• 5% to 20% Cashback Bonus at top online retailers*
• Up to 1% Cashback Bonus on all other purchases
• Unlimited cash rewards
• Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
You not only get cash back when you use your Discover Open Road Card on your gas purchases, you also will enjoy added savings of 0% APR on credit card purchases and if you transfer your balance you get 12 months of no interest.
Not paying interest payments makes the Discover Open Road Card well worth it alone!
Get more info and apply online for the Discover Open Road Card here
BP Visa® Card
The BP Visa Card from Chase is another excellent gas rewards and money savings credit card. There is no annual fee and an intro 0% APR for up to 6 months, no annual fee and BP gas station rebates of 5%!
The 5% savings will save you $0.20 per gallon based on fuel costs of $4.00 per gallon.
What does that mean for you?
More savings of course so why not take advantage of no interest payments up to 6 months and doubling your gas rebates for the first 2 months you are a BP Visa Card Holder
• 0% APR for up to 6 months
• No Annual Fee
• Double Rebates for two months
• 5% rebates on all participating BP location purchases
• 2% rebates on all eligible travel and dining purchases
• 1% rebates on all other eligible purchases
• No limit on rebates
• Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
Get More Info and Apply Online for the BP Visa from Chase here