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Archive for Credit Cards

Features of Republic Bank’s VISA Credit Card

By BankAim · Comments (0)
Friday, September 21st, 2012

Want a credit card with no annual fee? Then you should apply for Republic Bank’s VISA credit card. Credit cards are a necessity for many people nowadays because it provides convenience as well as extra funds when you’re in a cash crunch. It’s even common to have not just one but two or three cards as long as you can afford it.

If there is one card that people should consider getting, its the VISA credit card by Republic Bank. This bank has excelled in providing the highest quality and level of banking standards. Its reputation is known all over the nation as one of the best. They offer services that would really help their clients very well like the credit cards they have, mortgages, loans, checking accounts, health savings, certificate of deposits, and a lot more. They do not just cater with personal banking but also with business and commercial finances.

VISA Credit Card

One of the best products they have is Republic Bank’s VISA credit card. This is a kind of credit card with no annual feit giving their account holders the luxury of not having to be charged at the end or start of the year. Aside from this, account holders can easily access their accounts on the internet and keep abreast with their billing statements. Clients  are assured that their finances and other important information are safe and secured. And it has a feature that includes a 24 hour emergency cash and card replacement should you lose your card.

In terms of rates, the annual percentage rate on all purchases and cash advances is 8.45% but it can vary or change on a monthly basis depending on the Prime rate market. The dues to be paid for the card are at least 25 days prior to due date. This will be applied after closing of the billing cycle and the owner will not pay any interest on the purchases if he or she will be able to pay the entire amount or balanwit on or before the due date. With these features and rates, those who will have this credit card can really enjoy and take advantage of it.

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Get As Much As 5% Cash Back with Citi Dividend Platinum Select VISA Credit Card

By BankAim · Comments (0)
Thursday, August 30th, 2012

With so many banks vying for customer attention, many banks have stepped up by offering irresistible features and promotions on their credit cards. As of today, Citi Bank’s Dividend Platinum Select VISA credit card is one of the most famous cards in the market. So cards exactly makes the Citi Dividend Platinum Select VISA card different from other cards? Here is a quick view.

Fees and Rates

With the Citi Dividend Platinum Select VISA credit card, owners can enjoy a zero annual fee. Aside from that, individuals can enjoy easy installment on any major purchase because of the 0% introductory APR that’s available for as long as the first 12 months. A variable rate of 12.99-22.99% will be applied after the 12 month period depending on credit worthiness. A 0% introductory annual percentage rate is also applied with the balance transfers for 12 months and after that the APR will then be the same as the purchase APR. The balance transfer fees will be $5 or the usual is 3% of the transferred amount.

Rewards
Aside from great rates, the rewards of the Citi Dividend Platinum Select VISA credit card are also quite exciting. When the account owner will spend $500 during the first three months, he or she will be rewarded with $150. There will also be 5% cash back on car rental and airline purchases. And a 1% cash back on all other purchases using the credit card. With these rewards, credit card owners can truly enjoy spending with their credit card.

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A Perfect Choice: First Interstate Bank’s Visa Platinum First Rewards Card

By BankAim · Comments (0)
Thursday, August 9th, 2012

Credit cards give consumers purchasing power may it be through instant credit purchases or through cash advances. This is one of the reasons why credit cards are essential in this day and age. When money is tight, credit cards offer a way to stretch your budget in an instant and you can be worry free until more cash comes at hand. Aside from giving instant cash, credit cards are also filled with perks and rewards offering you more value for your money. If you are looking for another credit card to apply for then you should check out what First Interstate Bank has to offer.

About First Interstate Bank

First Interstate Bank is one of the finest banks in the nation with over $7.1 billion in assets. They have more than 71 branches nationwide with over 100 ATMs that their clients can instantly get access to. Some of their famous branches are located in Montana, South Dakota, and Wyoming. Others who want to transact with the bank in convenience can also check their online site where all questions will be answered instantly. People will really be able to get hold of financial assistance when they will inquire with First Interstate Bank just like in terms of their credit cards. One of the famous cards they have that many people are applying for is the VISA Platinum First Rewards Card.

All About the VISA Platinum First Rewards Card

Many people are applying for VISA Platinum First Rewards Card because of the points they will earn when they will make purchases. For a dollar spent using their credit cards, they will earn a point that they can redeem whenever they have enough of it. In terms of rates, a 3.99% introductory APR is offered for the first six months and after that the APR will be 7.25% to 19.25% depending on the card holder’s creditworthiness. This is already a good rate compared to other credit cards in the market today.

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The No Annual Fee SunTrust Platinum Visa Credit Card

By BankAim · Comments (0)
Tuesday, July 10th, 2012

All kinds of credit cards with different perks and promotions are everywhere today. With the amount of people looking for the right credit card, banks and credit card companies are competing to give the best to their clients. For SunTrust bank, it’s their Platinum Visa Credit Card.

SunTrust Bank is one of the largest and leading institutions in terms of financial services. They are also known to be one of the strongest because their company is stable. Many people actually go to them and entrust their money because they feel secure and safe with SunTrust. What makes them different is that they are connected well with the communities surrounding them which allow people to really get in touch with the bank. The bank also offers a lot of services for their clients or customers. They cater and can provide the right solutions especially for those who have financial issues and problems. One of the services they have that people would really go for is their credit card offerings.

The usual choice of their customers in terms of credit cards is SunTrust Platinum Visa credit card. Those clients who seek low APR will really benefit from this card. The variable introductory rate they have for their APR is from 9.99%- 16.99% on all purchases of the first 6 months. With this rate, people will really be happy since the rate is much better compared to other credit card companies. The other benefits and features with this credit card includes a no annual fee service, holders can easily get help if in case they encounter problems or issues with regards to their credit cards. And most importantly, SunTrust platinum Visa credit card is protected 24/7 against unauthorized and illegal purchases.

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Convenience of Key Bank’s World Master Credit Card

By BankAim · Comments (0)
Tuesday, July 3rd, 2012

People always want the most convenient means of paying for especially when it comes to bills, clothing, and food. There are many things to pay for in this modern world and thus many people would prefer to use credit cards instead of cash. Since most establishments today accept credit cards, this piece of plastic has gone a long way in replacing the use of hard cash. This is then the reason why banks offer different credit cards for people to get and apply for.

One of the banks that have good credit card offerings is Key Bank. This is a Cleveland based company that is also known to be one of the largest banks in the nation. Some of the services they offer are related with commercial and investment banking as well as consumer finance. One of the services they offer is their World Master Credit Card.

Key Bank’s World Master credit card offers safety and convenience to its owners or holders. They can simply bring this anywhere they go and use it anytime they want to. Some of the features of this card includes a no annual fee which means less expenses at the start of the year. The introductory APR is 0%. This is accounted for the first 6 cycles of billing and after these cycles, the APR will be variable from 9.99%- 20.99%. The APR will be based on the credit worthiness of the credit card holder. On the other hand, in terms of interest for the purchases, the due date for those who will be using it is 24-30 days after the closing of billing cycle, giving enough time for those who are eager to keep up with their payments. Aside from the no annual fee, 2,500 points worth of bonuses will be redeemable to an amount of $25.

With these benefits and features, the World Master Credit Card from Key Bank is one to beat.

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Sovereign Bank’s Sphere World Points Reward Credit Cards

By BankAim · Comments (0)
Thursday, June 14th, 2012

Sovereign Bank is a major bank in the United States that offers a lot of financial services for their clients. They are one of the largest banks in the Northeastern part of the USA. Their services include corporate banking, retail, business, insurance, and many more. Those who are interested to apply for loans and mortgages can potentially find what they need at Sovereign Bank. Aside from savings, investments and loans, Sovereign Bank also offers a competitive credit card that may just suit your needs.

What makes the Sovereign Sphere World reward credit card different? Those who will be getting one will have round the clock protection against fraud. They will also have 24 hour online access and service once their cards will be activated. And most importantly, a low introductory offer for its APR, making it easier for new card holders to pay off any credit card balances. Other than that, Sovereign Sphere world has no annual fee and you can also feel free to choose your own payment date. This is a perk that not many credit card companies offer.

Rewards

In terms of rewards, one point will be awarded for every single dollar spent on purchases. The owner will then select whether he or she will choose between the cash backs, travel, or gift cards rewards. The credit card holder will be the one to decide which rewards he or she wants. If he or she loves to travel then he or she can definitely pick the travel rewards. What’s great about this card is that there is no limit to the number of points you can earn. There are also no travel black out dates so you can travel at any time that you like.

Whatever your needs are, this Soviet Sphere World rewards card may just give it to you.

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Enjoying the Use of Citadel’s Gold Master Credit Card

By BankAim · Comments (0)
Tuesday, June 5th, 2012

Credit cards have become a necessity for almost everyone. It makes shopping and purchasing goods so much easier and it allows easier online shopping. Even those who are still young are being exposed to credit cards since this makes it is easier for their parents to track down their financial records with of course given the limit to how much they can use and spend. Many people prefer the use of credit cards because they can bring and use this anywhere they want.

One of the better credit cards offered today is Citadel’s Gold Master Credit Card. Citadel is a known credit union that is also a non-profit organization. This company or union provides customer financial services and products that will help people with financial problems and needs. The Gold Master Credit Card is a common choice with an introductory APR of 2.99% for the first six months and with a regular rate of a low 7.24%. It has no annual fees and there are also no fees for balance transfers. Citadel can also offer a generous credit limit for those who are deserving.

Right Thing For You

Another fact why the Citadel credit card is a good choice for many is that a 25 Day Grace period is offered to those who will be opening a credit card account. It also is very safe to use for internet shopping. And with this credit card, a travel accident insurance of $400,000 is also offered. Through this credit card, owners can expect the best features. If you want a new credit card who is not so strict with deadlines, then Citadel’s Gold Master Credit Card is the right one for you.

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Get Zero Interest From Applied Bank’s Platinum Zero Credit Card

By BankAim · Comments (0)
Thursday, April 12th, 2012

It’s always amazing to see people who actually do what they say. In terms of banking services, Applied Bank will never fail you in the promises of their offers.
For those who are looking for a way out of a bad credit, they may find solution when they sign up for the Platinum Zero credit card. It highlights a stop in the payment of interest rates, a helpful feature to those who are trying to set up a good record.

What it offers

Applied Bank calls it the card Platinum Zero because of the non-charging for interest rates in purchases, even if you should make late payments. It also refers to the fact that anyone who applies for this type of credit card does not have to pay any fees during application – it’s absolutely free.

However, there is a drawback to this. The maintenance fee for the card comes every month instead of annual payments. A fee of $9.95 is to paid, and if you add this up this will result to a yearly payment of $119.0. This amount seems more than what other banks are asking for, so in this case, a short term rebuilding of credit is most ideal for the cardholder.

The minimum assigned credit limit is $500 and the maximum is up to $5,000. Timely monthly reportings to major credit bureaus ensure that your account is being watched over. This will also prevent the cardholder form making discrepancies in making payments.

Fees and Penalties

You can get an additional card as extension of the use of your account. For this, a fee of $30 must be paid. There is no fee for making balance transfers, but foreign transactions will strip you off 1% in US dollars as fee. As for cash advances, the fee is based on whichever greater amount is valued at. This is either $5 or 5% of the total cash advance made. The APR for each cash advance is at a fixed rate of 9.99%.

About Applied Bank

Applied Bank is headquartered in Delaware. Since 1996, it has been providing financial support and assistance to residents of the state. This commitment to community service is manifested through their many efforts aimed at literacy, housing, and job opportunities. These programs and campaigns highlight their mission to become partners with the community and its people.

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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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