Before applying for credit card, consider how you are going to use it. Will it be a credit card for everyday purchases? Your choice will be different if you want to pay the balance in full every month, or prefer to make monthly payments and keep outstanding balance? Read more...
Card Category
Credit History
Available Rewards
Consumer
Excellent/Good
Miles
Cash
Points
About Card
• 9.99% APR on Balance Transfer for the first 12 months. • First Year Fee-Free, $95 thereafter. • 20,000 bonus miles after first purchase. • 5,000 bonus miles for adding an additional cardmember. • One mile for every other eligible dollar spent.
Buy it now but pay later. It became the American way. Without any hesitations we can say that a credit card is very useful and powerful tool. However, with the rising amount of American people using credit card or even cards, too much of a good thing can lead to big trouble. Read more...
There are 4 major credit card types: bank debit and credit cards, travel and entertainment cards (T&E cards), retail store cards, oil company cards (gasoline cards). Interest rates, fees and applications are different for each type of card. Applying for a credit card, the consumer agrees to the terms and conditions of a credit card company that issues his card. Read these terms and conditions very carefully to understand it before using the card for purchases, cash advances or balance transfers. Read more...
Credit Card Transaction Fees
Balance Transfer Fees:
Cash Advance Fees:
Foreign Exchange Fees:
Minimum:
n/a
Minimum:
$5
Minimum:
none
Fee Rate:
n/a
Fee Rate:
3%
Fee Rate:
2%
Maximum:
n/a
Maximum:
none
Maximum:
none
Credit Card Other Fees
Initial Fees:
Maintenance Fees:
Penalty Fees:
Setup Fee:
$0
Annual Fee:
$0
Late Payment Fee:
$15
See terms and conditions Waived for the first year, then $95, $40 if you are a qualified American Express Cardmember
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