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Archive for Credit Cards

0% APR for up to 21 months with Citi Diamond Preferred Card

By BankAim · Comments (0)
Monday, January 30th, 2012

The ability to save a substantial amount of money is something we all crave for. And opening a credit card that offers the exclusive benefit of giving out a 0% APR for an extended period is just the answer.

The Citi Diamond Preferred card has been ranked among the best in credit card offers in this country. And why not? Take a look at the perks you’ll be having:

Longer Grace Period

Undoubtedly, what appeals most to clients is its introductory APR rate of 0%. With this, you can enjoy 21 months of purchases and bank transfers – for no extra charge or interest rates at all. If it sounds like borrowing money for free, then it’s sure to be a good thing.

However, once this grace period is over, you will be started on the standard APR rates. Although the low ongoing rate for credit cards these days are fixed at 11.45%, your credit history and worthiness will be evaluated. The better your credit background looks, the lesser your APR, and vice versa. Rates can go as low as 11.99%, 16.99%, or 21.99%. If you will incur cash advances, you will be assigned a 25.24% APR.

Nonetheless, the Citi Diamond card is better than most of its competitors who offer the same benefit – because most of them only limit the zero APR for up to 6 or 12 months only.

The card also comes with its anti-theft policy from their Citi Identity Theft solutions. You will hold no liability from any purchases that are unauthorized from you.

However, the following fees take effect after the 21-month period:

For late payments, you will be penalized a variable amount of up to 29.99%. Also, a 3.0% interest is issued for each purchase you make outside the country. Balance transfers fees will then be issued 3.00% or $5 for each transaction, depending on which is greater.

Other Benefits

If you think this is all there is to the Citi Diamond card, think again, Aside form using it like a regular credit card, you can also get special access to VIP packages like live entertainment or presale tickets with seating assignments of your choice. Affiliated brands can also provide you discounts, further adding up your savings.

Traveling also becomes a breeze with its 24-hour concierge service that assists you in travel bookings, flight, and hotel stays.

Having a credit card with a nice, long zero APR can be such a joy. Open a Citi Diamond Preferred card now.

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Starwood Preferred Credit Card from American Express Lets You Enjoy Traveling Rewards

By BankAim · Comments (0)
Thursday, January 26th, 2012

Spending money has never been this rewarding. American Express has come up with the Starwood Preferred credit card that makes the most of your luxurious lifestyle by letting you earn rewards with every hotel stay and use you make.

The Rewards

Your string of bonus points starts when you apply and open an account for Starwood Preferred credit card. Initially, you get at least 10,000 star points when you make a purchase at any of their affiliated companies. You can also get the chance to earn even up to 25,00 bonus points when, in the period of the first 6 months of application, you can spend $5,000.

What to do with your Bonus points

Once you’ve accumulated the bonus points, you can use these to avail free flights to destinations of affiliated hotels. Booking those flights prove to be no problem as well because of the no-blackout days especially catered just for you. As for hotel privileges, you use can use these accumulated points to get some R and R at some of the biggest and luxurious names in hotels, located all across the globe. Think W Hotels, Sheraton, or even St. Regis.

If all these aren’t fancy enough for you, then try booking a 5-night stay at any participating resort in the French Polynesia or Hawaii. Your fifth night is for free, with a resort credit of up to $100.

The more you spend on the facilities of these resorts and hotels, the more you earn points. And with more points come greater rewards – truly an amazing way for you to keep enjoying the uptown life.

Other exclusive benefits include a late check-out time of 4 p.m. and upgrades to rooms. You are also automatically enrolled in the SPG, or Starwood Preferred Guest Program that allows you to enjoy even more benefits. This includes deals on entertainment, shopping, and Broadway shows – all with just one card.

The Starwood Preferred credit card does not require an annual fee for your first year of application. After this grace period, a yearly fee of $65 is a must. Its APR rate may prove to be higher in comparison to the minimum APR of 13.0% these days, but its figures are variable, depending on the market economy. As of this writing, the APR is fixed at 15.24% to 19.25%.

If you open an Starwood preferred card now, you can enjoy the high-life with just a swipes of your card.

About American Express

American Express is known to cater people with different financial backgrounds for decades. Today, it is a widely trusted name in card issuer, making it able to build strong loyalty with its customers.

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Flying High with Delta SkyMiles Card

By BankAim · Comments (0)
Tuesday, January 24th, 2012

Credit cards have a lot to offer. From rewards to bonus points, from cashback to special privileges, each bank has its own way of making their services desirable to consumers. For the traveling businessman or adventure buff however, a credit card with premium flight rewards is the ultimate cherry on top of their ice cream.

One of the best credit cards that offer great travelling bonuses is the Delta Skymiles program. Powered by American Express, one of the leaders in banking service here in the country, it helps you earn more miles with every dollar you spend.

What You Get

When you open Sky miles credit card account, you automatically get a three-month grace period to accumulate at least 30,000 bonus miles. You can earn this by spending $500 worth of purchases within these first three months. And just in case you don’t know how great this promotion is, here’s a tip. With the 30,000 bonus, you get more than enough points to purchase a round-trip ticket in the economy class. Now that’s real savings.

Another great benefit of this credit card is that they offer at least one free baggage checking for each of your companions, given you’re in a group of less than 9 people. That’s another $50 worth of savings – all with one card.

With the Delta Skymiles program, you can expect assistance with all your travel bookings, as you will be provided with a travel specialist if you wish to. No matter where you go, you can leave transportation worries behind because American Express also includes a Car Rental Loss and Damage Insurance – when you use your card, of course. This way, you can enjoy your vacation, take in new sights, or rush off to meeting after meeting with ease of mind over your protection and safety.

And because the more you spend, the more miles you earn, it’s like giving yourself a reward just for shopping! And just in case you unknowingly end up with a thousand pairs of shoes billed to your credit card, American Express does and will not hold you responsible for financial charges in cases of fraud.

For the first year upon opening your credit card account, you can enjoy zero annual fees. After this period, you are only expected to pay $95 on the second year, and every year thereafter. The APR for each purchase you make may vary, although at this day, it is fixed at ranges between 19.24%, 17.24%, and 15.24%.

Travel isn’t the only thing that’s big on the Delta Skymiles as well. You also get super savings from the American Express ticketing center. Now you can watch all your favorite Broadway shows –even if you have to travel 10,000 miles for it.

So for all these perks and more, open a credit card account under the Delta Skymiles program of American Express now.

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The Perfect Credit Card for Less Than Perfect Credit from Capital One

By BankAim · Comments (0)
Saturday, January 21st, 2012

Building a good credit record isn’t always easy. But as it has been said, nobody can go back and start a new beginning, but anyone can make a different ending. And ending up with a good credit record in spite of a previously bad one is the reason why Capital One banks offers its exclusive Secured Mastercard Credit Card.

How It Works

To be eligible, you need to have a poor credit quality and history. Once your application is approved, you are required to make a security deposit, which is refundable. You have the option of paying everything at once or adding the amount as you go along. As long as you are able to pay off the full amount within 80 days, you’re good to go.

Once you have deposited the minimum amount, you are then given $200 minimum worth of credit line. You can use this to make your purchases, or in times when you really need some cash. By adding more money to your initial deposit, you can increase your card’s credit line.

There are three credit bureaus in which your card status will be reported to automatically. These bureaus can determine if you may qualify for a future credit line increase, based on your credit history and credit payment.

This security deposit is important because it acts as your collateral. If you should ever decide to close your account after having paid the your security deposit in full, you can still get the full refund on this amount.

Because Capital One reports to the credit bureaus all payment history of your card, you can have the chance to build up a new and good credit history once again. By making sure to pay on time monthly, you can get a fresh start with Capital One’s Secured Mastercard.

What About Rates?

For purchases and account transfers, you can enjoy a 22.9% APR. As for those Cash advances, they get to have 24.9% APR as well. Annual fees are fixed at $29, while there are no transaction fees for transfers. You will be issued penalty fees for returned or late payment, at $35 and $19 respectively. There are no penalty fees for over-the-credit-limit as well.

Known as one of America’s most widely recognized banks, Capital One offers one of the best banking services and secure accounts there is. Because it has been proven to be a trusted and reliable name in banking, your credit future can still have hope to recover.

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Building Your Future with the Discover Student More Credit Card

By BankAim · Comments (0)
Tuesday, January 17th, 2012

Finally, you’re about to send off your kid to college. And of course, every parent wants to see their children start out their newly independent life with a good record. But why not start them out with a good credit as well?

Everyone knows that building a good credit is important. With it, one is able to enjoy the rewards that come only after a good deal of discipline and punctuality for the cardholder’s part.

Discover Bank has been hailed for its strong credibility, which is based on a strong foundation of innovation and changes for the improvement of services to its customers. It caters to different levels of individuals, young and old. The Discover Student More Card helps give youngsters a good start on life by giving the chance to build good credit with them.

What To Expect

The Student More Card boasts a low APR, and low interest rates. For the first nine months, it offers absolutely zero percent APR, then steadily increasing to 12.99%-19.99%. This rate depends on the Standard Variable Purchase APR, and on the credibility of your credit record. To avoid any fees and to maintain a good record, be sure to settle any balances within 25 days after each closing of the billing period.

For students who expect more from what they do, the 5% Cashbank Bonus proves to be a very good deal-sealer. There’s a little something for everyone as these rewards can be redeemed from any of the following categories: restaurants, stores, or gas shops. As for the confessed-shopaholics, they can take advantage of an exclusive cashbank bonus of as much as 5%-20% from an online shopping store. The Discover Student More credit Card helps them get listed only for this purpose.

As for everything else, there is always the unlimited 1% cashback bonus. One can automatically buy textbooks, notebooks, and all other college needs – with added perks of course.

Another great thing about the Student More Card is that it allows the member to choose the type of rewards he/she wants. Be it in cash, for charity, as partner gift cards or Discover gift cards, and even merchandise, students can really exercise their power in making independent choices.

Undeniably, the most appealing feature of this card is its cashbank bonus. Because your kid gets to earn extra cash by swiping his card, he/she won’t have to ask for that extra allowance ever again. Working well in both ways, this card may just be the perfect partner for students – and their parents alike.

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Business as Usual with Chase Ink Bold Credit Card

By BankAim · Comments (0)
Sunday, January 15th, 2012

Every successful business idea needs to have good business plan. And an important part of that plan is having a good business credit. The new Chase Ink Bold Charge Card offers just that, plus more in terms of rewards, bonus points, and benefits from which you can be sure to use in the expansion of your business.

What’s in it for you?

Imagine faster reward accumulation with every business transaction. The Chase Ink Bold Charge Card lets you earn not just one, but 5 times more points with every $1 you spend annually on wireless and cable services, supply stores for your office needs, plus landline communications. All these should be within the first $50,000 you spend yearly on such items.

Dealing with foreign transactions can be such a headache. However, this credit card offers savings of up to 3% on all purchases from outside the country because of their zero foreign transaction fee. Just like popping an aspirin for that migraine.

Getting around to those weekly meetings and out-of-town trips can be exhausting, but the Chase Ink Bold Charge card lets you forget all the hassle. In fact, the more you travel, the more you earn points. You get up to 2 times rewards points for on the first $50,000 you will have spent yearly, exclusive only to gas purchases and hotel stays.

As for your other purchases, you still get to earn 1 point for every dollar you spend – without limits.

Other Perks

Having an excellent credit record lets you have a financial fallback for when your own business need extra money. The no overlimit fee from the Chase Ink Bold card becomes handy in such unexpected times of financial need. You get to have flexibility with your spending limit, without having to worry about interest charges – because there aren’t any. Just make sure you pay your balance in full monthly, and you’re all set. Keep in mind however, that they require penalty fees for late or return payments.

The offer comes with employee cards – for free! This way, you can customize the spending limits for each individual, while you earn even more points.

You are also entitled to unrestricted travel anywhere from any flight. You are also assured that there are no blackout dates, so you can stay on schedule with all your business appointments.

Once you get to any of the affiliated airport lounges, you are given exclusive privileges such as complimentary drinks and snacks, conference rooms, Internet access, and so much more. You can keep an eye on the business matters you left behind with their complimentary phone and fax services as well.

Staying on the business track has never been this easy.

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Kicking Back in High Gear with the Mercedes-Benz Credit Card from American Express

By BankAim · Comments (0)
Wednesday, January 11th, 2012

Some decisions in life are simple. But as any self-respecting petrolhead knows, choosing the right car needs to be more than just about speed, performance, and style. It needs to be cost-effective, achieving great value and return for your hard-earned money.

That’s where the Mercedes-Benz Credit Card comes in. An offering of American Express, this card allows you to enjoy card member benefits, plus more perks for being a Mercedes-Benz fanatic.

Fully Loaded

Most credit cards come with benefits common to all. But with the Mercedes-Benz credit card, you can gain access to exclusive deals that even less-than-enthusiastic car aficionados would want.

It all starts when you sign up. Upon membership, you automatically earn 5,000 membership rewards bonus points, which you can later use to avail the services American Express offers. This includes cruises, hotel stays, and vacations, merchandise, and gift cards that come from over 500 brands, that includes Mercedes-Benz. Frequent flyer privileges and the ease of giving donations to any charity you choose are included as well.

More than just staying on track

When you’ve decided to go full speed and purchase your new Mercedes, you get a $5,000 reward certificate, which is already a great deal and proves to chop off a significant amount of what you could have spent otherwise. It also provides up to 1,000 excess miles, which is then waived towards the end of the lease.

Having a car becomes truly your own when you customize it. And doing so becomes easier when you get your annual $50 reward certificate, which can be used to purchase genuine Mercedes-Benz accessories.

Security assistance is at the high-end. Protect your loved ones and yourself with up to $25,000 in travel accident insurance. A 24-hour roadside assistance can get help to you straight away – whenever, wherever. You can also use your card for auto rentals, which is covered by Car Damage and Loss Insurance in cases where the car is stolen or damaged.

The card starts at 0.0% percent introductory APR for the first 6 months. After that, your APR will be 15.54%, and will vary with the market based on the Prime Rate. Annual membership fee is priced at $95, with no fees for overlimit of purchases.

With all these great deals, signing up becomes as easy as turning on the ignition.

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Best Business Card – Jet Blue Card from American Express

By BankAim · Comments (0)
Friday, January 6th, 2012

Kick start your business with the Jet Blue Card from American Express. Using this card, you can start accumulating miles so you’ll be eligible for a free ticket. As a way of saying thank you to customers who sign up to the card, American Express is giving away an immediate 10,000 TrueBlue Points upon purchase of the card. The good thing about this is that it only takes 5,000 points to avail of a one way free flight.

Card Details

Aside from the generous welcome bonus, the Jet Blue Card has a low annual fee of only $40. You can also conveniently earn Jet Blue Points for every dollar you make a purchase. Plus, you are eligible to earn two points from any of the following categories: restaurants, sporting events, golf courses, movie theaters, gym memberships, performing arts events, and all Jet Blue flights.

Again, 5,000 points can already provide you with a one way flight. There are no black out dates so you can avail of the free flight anytime. Your TrueBlue points also don’t expire so there’s no need for you to be pressured into using your points.

Things to Remember

Although your points don’t expire, you have to use your card or earn points while flying Jet Blue for at least once within a period of 12 months. If this is done, the life of your points will be extended for a full year. Also, the bonus of 10,000 True Blue points can be obtained only after the first purchase is made.

Additional Bonus- OPEN Savings Program

Your Business American Express card has the extra benefit of the OPEN Savings program which can provide you with exclusive discounts at participating stores. There’s no need to enroll in the program or pay an additional fee, your card immediately provides this for you. To know if your card is eligible for the OPEN Savings Program, your card should have the word “Business” written at the front of the card, and an “OPEN” logo at the back.

There’s a lot you can do with the savings you’ll get with this Jet Blue Card from American Express. Save more on your flights, save more for your business. And be rewarded while going about your regular purchases.

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Low Credit Card Rates from Simmons First Visa Platinum Card

By BankAim · Comments (0)
Saturday, December 31st, 2011

Have you been good this year? If your credit score is considerably noteworthy, then you can look forward to a 2012 of low interest on a credit card. Right now, Simmons First Visa Platinum Card is offering a very low rate of only 7.25% APR for those with excellent credit.

Credit Card Features:

Aside from the rate that won’t burn your money with interest, there are a lot of features to look forward to with the Simmons First Visa Platinum Card. Below are what they have in store for you:

* Accepted Worldwide – You can use your Visa Platinum Credit Card as an ATM from any ATM that accepts Visa. You can access these ATMs 24 hours in a day, anywhere in the world. Aside from this, you can also take advantage of the cash advance feature that is available to you at any financial institution that accepts Visa.

* Get Travel Accident Insurance – For those consumers who are always on the go, it may be a relief to find out that travel insurance is offered for free whenever a ticket is purchased using your Visa card. Whether you use a cruise line, rail bus, or airline, your card can cover you for any accidental death or dismemberment.

* Car Rental Damage/Loss Waiver – If a car is rented using the Visa card, the VISA Auto Rental Insurance can provide coverage for theft or a collision for up to the actual cash value required. This insurance is also available worldwide.

The extra features of the card is most useful for those who go on frequent business trips or leisure travels. The card also does not offer any form of reward or cash back like most cards. However, despite the lack of rewards, consumers can definitely save more because of the low interest rate, which may prove to be more cost effective than some rewards cards. Whatever the case, this card from First Simmons have one of the lowest rates for credit cards, and may just be the card that certain people with good credit are looking for.

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