It is very difficult to be approved for a credit card without a positive credit history. It`s like ``Catch - 22``: You need a good credit history to get a good credit card. But you need to establish a good credit in order to have a good credit history! The no-win situation always keeps people with negative, limited or no credit history away from getting approved for credit card with good credit line, low APR rate and reward program. But it will not have to if you possess basic knowledge about credit cards, understand its types available. Knowing that means you ready to build a really good credit history. Read more...
Card Category
Credit History
Available Rewards
Consumer
Excellent/Good
Miles
Cash
Points
About Card
• Membership Rewards Options Program
• Points have no expiration date and there`s no limit to the number of points you can earn
• Earn double points on the purchases you make every day from selected merchants No pre-set spending limit
• Access to world-class Gold Card Events
• Free shipping and handling
• Year-End Summary of charges
There are times when canceling old credit card accounts is a good idea. This is true only for the new accounts. But closing an old account, even if it is not used, may do more harm than good for someone seeking a good line of credit. Read more...
Credit cards are widely used as a convenient source of credit purchases in hotels, on-line shopping, gasoline stations, restaurants, mail order, grocery stores, and others as well as products advertised on telephone and television. There is a number of advantages of using credit cards if you do it in a wise way. As well you may have drastic and painful consequences if misuse your credit card. Read more...
Credit Card Transaction Fees
Balance Transfer Fees:
Cash Advance Fees:
Foreign Exchange Fees:
Minimum:
n/a
Minimum:
n/a
Minimum:
none
Fee Rate:
n/a
Fee Rate:
n/a
Fee Rate:
2%
Maximum:
n/a
Maximum:
n/a
Maximum:
none
Credit Card Other Fees
Initial Fees:
Maintenance Fees:
Penalty Fees:
Setup Fee:
$0
Annual Fee:
$0
Late Payment Fee:
$0
See terms and conditions First Year Fee-Free, $65 Basic Card each year thereafter;$30 Additional Card
Daily Surveillance of the Internet's "Financial Black Market", "Back Alley" Chat Rooms and News Groups: patented scanning technology helps ensure that your important financial information is not being compromised or swapped by identity thieves
3-Bureau Credit Profile Monitoring: we monitor your credit files from the top 3 bureaus to deliver email or text message alerts of activities you may find suspicious
Unlimited Toll-free Personal Customer Service: our specially trained Identity Theft Specialists are standing by to answer any questions you may have
Up to $20,000 in Identity Theft insurance at no additional charge (after $250 deductible)
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