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Archive for Credit Cards – Page 4

Fly High with Your CITI Platinum Select Visa Credit Card

By BankAim · Comments (0)
Monday, May 14th, 2012

One of the banks that Americans and other people from all over the world trust is CITI Bank. We all know for a fact that there are many people today who are using credit cards in order for them to use it anytime when they are out of cash. This is one advantage of getting a credit card because people can use it anywhere and anytime of the day. Just as long as it is active then it is all good to go. So for those who still don’t own one then they should get if from CITI Bank.

Citi Bank is a world famous international bank that offers complete financial services for those people who have banking transactions. They offer a lot of products, from insurances, investments, international transactions, and then of course, credit cards. One of the famous credit cards that people are getting right now is the CITI Platinum Select and AAdvantage Visa Signature card.

When individuals qualify for this credit card, he or she will be able to receive American Airlines bonus miles that can be very useful for those always on the go. For every $1000 transaction in purchase using the card in the first three months of membership, he or she will earn 30,000 American airline AAdvantage bonus miles. This bonus alone will surely be enough to cover a round trip domestic flight. Another advantage when using this credit card is that check in baggage is for free and that those with the advantages will be given priority in boarding.

On the other hand, the credit disclosures of this Citi Platinum includes an APR or the annual percentage rate for purchases 15.24%. The APR for cash advances is 25.24% depending on the prime rate. And the minimum charged interest is not less the 50 cents.

For those who are planning on cutting off their old credit cards and opening a new one then they should do it in Citi Bank. They should get the CITI Platinum and AAdvantage Select Visa Credit Card especially for those who love or need to travel.

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The Prestigious Buying Power of the U.S. Bank Visa Platinum Card

By BankAim · Comments (0)
Saturday, May 12th, 2012

Almost all people today have credit cards that they use in paying for everything they see, purchase, and the other things they need to pay for. There are indeed many people today who are depending so much on their credit cards especially when they want something. But most of the time, these individuals are very careful on what credit cards they use since there are so many kinds that banks are offering. The better credit card you have, the more rewards and perks you can avail of.

The Offer

For those who are still planning to get a new credit card or just want another one, the U.S. Bank Visa Platinum Card may be something worth looking into. The card provides a prestigious buying power anywhere card holders will go. This credit card is offered by U.S. Bank which is known as the 5th biggest commercial bank in the whole of the United States and offers the best services in terms of financial needs and businesses.

The new U.S. Bank Visa Platinum card is the perfect choice for those people who are always using their cards. Why is this so? It has a special introductory of 0% APR on any purchases the owner will make within the first 12 billings. After the 12 billing cycles, the credit card will have a variable APR running from 9.99% to 23.99% depending on credit worthiness. The better your credit score, the lower the APR cardholders will receive.

Other Benefits

The other benefits of the U.S. Bank Visa Platinum card is that people can use it for paying for their bills online. Another benefit is that the owner of the card will have automatic rental car insurance with no extra cost. This is very useful for those who are always traveling and renting cars wherever they will go. And the last is that the platinum card is will protected against fraud which is very important especially now that there are so many hackers and criminals. So with all these benefits, why not get your own U.S. Bank Visa Platinum Card today.

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Secure Your Students’ Financial Future with Discover’s Student More Credit Card

By BankAim · Comments (0)
Friday, May 4th, 2012

We all know that when students go to college, they will need financial support. That’s why parents provide them with credit cards to shoulder the extra expenses. College students would have to live on their own and become independent in order for them to adjust to the realities of life. And in terms of financial capabilities, they should know how to budget money very well. But in order for them to live a comfortable college life, they should be given the right credit card.

Discover Bank has been known all around the United States to be a credible financial team that supplies a sturdy foundation to its customers whether old or young. They provide what people need in relation to money, especially the new college students that are just starting up with their lives.

The Discover Student More Credit Card is a card that most parents are getting and helping their children acquire because of the easy interest rates, plus cash back bonuses.

What are the Cards’ Perks?

The Discover Student More Credit Card has very low interest rates and a low APR which will definitely help students keep up with the payments. The card when activated will have a zero percentage APR during the first nine months of usage but will eventually increase its APR up to 19.99%. For those who have questions with regards to the rate, it will depend on the student’s credibility record and with the APR’s Standard Variable Purchase. But just imagine the new college student handling his or her financial status and responsibilities well through these student credit cards. He or she will be able to understand how important one’s financial credibility record is.

Another important perk with the Discover Student More Credit Card is the different rewards that students can get or claim. They can have as much as 5% cash back, which is already a great deal compared to other cards. Most of the rewards can be used and redeemed in restaurants, shops, or stores nationwide. And with students, cash back bonuses are a plus because they can use it for shopping sprees.

So when they will correctly use their Discover credit cards and pay their dues on time, then they will be able to take advantage of these cash back bonuses which will definitely be of big help to them.

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Journey Student Rewards Credit Card Helps Put A Right Start In Your Children’s Financial Future

By BankAim · Comments (0)
Thursday, May 3rd, 2012

College is the best time for getting a head start in life. Parents with college kids often want to extend their help by assisting them in making the right financial decisions that will surely have a great impact on their future. That’s why Capital One offers its Journey Student Rewards credit card. This is essentially perfect for students since it’s designed to help them build credit through responsible use.

About the Card

This card was created for students with average or limited credit who are looking to build up a strong foundation in their credit history – all in effect while getting rewards for it. Students can gain access to their credit score every month online. This is made possible through the use of an interactive tracking tool. The credit scores are a means for students to make the right decisions, since this affects the creditor’s ability to give out loans or credit. At no additional cost, text alerts are also provided to keep students on track of their expenses.

Rewards are surely a thing of joy, especially for the busy college student who’s away from home. For every purchase you make, you get a cash back of 1%. This includes purchases on gas and textbooks among others. As an added bonus, you get a whopping 25% in cash back rewards every time you pay your bills on time every month. This way, you get rewarded for the good management of your card, further benefiting your credit history.

Once you’ve accumulated enough points, you can redeem them to make purchases from Capital One’s gift cards. You can also jut choose to add the rewards amount to your account, or cash it out so you can buy whatever you want. Redemption of these points can be done online or through a phonecall. To make things easier, you can pre-set a redemption threshold so that you will automatically get your reward the way you want it once it reaches that threshold.

Here’s another perk for you. When you shop at Capital One’s Perk Central retail network, you can get 15% more in cash back bonuses. Plus, this bonus has no expiration period, so just keep locking in those purchases for a greater return of your money.

Credit Card Rates

There is no annual membership fee for this card, but other fees and penalties may apply. The purchase and transfer APRs are both at 19.8%, while the cash advance APR is at 24.9% APR. You will be allowed a grace period of 25 days to pay off your bill in full.

While student credit cards normally doesn’t have as many perks as regular credit cards do, they provide a very good way for the younger generation to handle their finances effectively. Give them the Journey Rewards Student credit card, and they’ll be getting more than just the rewards. They will earn a lifetime of good money management.

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Get Low Rates and Cash Backs Offer From Iberia Gold Visa Credit Card

By BankAim · Comments (0)
Thursday, April 19th, 2012

Solid offers from credit cards are hard to come by. But that’s what the Iberia Gold Visa credit card is all about. At first glance, this card may not offer so much. But a second look at it tells us otherwise.

What It Offers

The Iberia Gold Visa offers 1% cash back bonus on every qualifying purchase. Although this may seem less generous than other credit offers, it is still a great way for you to enjoy spending on some items that come for free or on a discount. Significantly, it helps you save a lot more money than you could imagine. The more you spend, the more points you accumulate.

Another feature of this card is its zero annual rate. Because some credit cards are so expensive to maintain, the Iberia Gold is put in a place of its own. However, transaction fees and penalties are placed whenever possible.

Lastly, this card offers a really low APR on purchases. With just a lowest APR of 9.25%, given that you’ve had a very good credit history, you’ll be enjoying a significant amount of cut-off in your monthly expenses. For those with average credit, the APR is at 12.25%, whereas those with really bad credit have an APR of 15.25%. Despite the variable APRs, these figures still place lower than the national average, letting you enjoy the knowledge that you’re paying less than the majority.

Balance transfers have a special introductory offer of 1.99%. This can last for up to six billing periods. After this period, your APR for balance transfers will be the same as that for purchases. Again, this will vary on your credit worthiness.

Cash advances have a variable APR of 14.75%, 18.25%, and 21.25%. The interest you pay for will vary on the Prime rate in the money market.

You will be expected to cover all fees and interests 25 days upon the statement of account is delivered. Late payments will be penalized and you will be required to pay a variable amount not exceeding $35. The same amount goes for returned payments.

Additional cards will be given to you upon payment of $5 per card.

The requirements for credit opening are simple. You only have to be currently employed with your employer for a minimum period of 6 months, and you must procure necessary documents in clear and valid form.

Special offers? None. But credible, solid services – these are the backbones of Iberia Gold Visa Card.

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The Qantas American Express Discovery Credit Card Introduces Qantas Frequent Flyer Points

By BankAim · Comments (0)
Monday, April 16th, 2012

Traveling with a credit card that allows you to enjoy great benefits and earn discounts on your flights is nothing short of a dream. American Express makes that dream into reality with their latest offering form their Qantas American Express Discovery card.

What are the Benefits?

Every frequent traveler knows that earning miles is one of the cheaper alternatives to booking flights. Up to 7,500 bonus points are up for grabs when you make eligible purchases. The first 5,000 points you’ll receive should be from the first three months’ spending on being a cardholder that can equal up to $300. Additional 2,500 will be yours when you spend on purchases in Australia at any Qantas products or services.

With these points, you can avail travel fare or discounts from partner freights, given that the bookings are done by Qantas Club or Qantas Frequent Flyer membership.

You can earn points in a number of ways. One point is credited to your account with every dollar spent on an eligible purchase. This means any purchase you make at merchants accepting your credit card, and excludes balance transfers, cash advances, foreign currency purchases, refunds or reimbursements on purchases, and enforcement purchases among others. Purchases on Qantas products and services give you 2 points. Accumulate enough and use them for your travels.

When you sign up for an account and is approved, you automatically become a Qantas Frequent Flyer member. This is a great deal as this membership application alone amounts to $82.50. Travel insurance coverage is also included when traveling abroad.

If ever you lose your card, their emergency card replacement offer is always available to help you out, wherever you are in the world. American Express also ensures card protection against stolen and damaged cards.

Rates and Fees

Many reviews yield positive feedback on this card’s low rates and almost invisible fees. Their introductory promo gives you zero interest rate for the first six months of use, after your first purchase. After this time, an APR of 20.74% will be applicable to your account. The interest rate won’t start accumulating until after the 44 day-grace period provided.

You won’t have to worry about annual maintenance fees because every supplemental card gets $0 fee.

Low rates and great fees – that’s what the Visa Platinum Card with Qantas Frequent Flyer Miles is all about.

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ORNL Federal Credit Union Offers A Low 3.99% Introductory APR in Credit Cards

By BankAim · Comments (0)
Friday, April 13th, 2012

For a limited time only, ORNL Federal Credit Union offers one of the lowest credit card APR in the country. When you get your very own Visa Platinum credit card, you can have the freedom of making purchases without the unnecessary high rates.

About the Visa Platinum Card

There is a lot more to credit cards than the purchasing power that comes with it. Credit cards are also useful for making balance transfers from one account to another, as well as handing over or accepting foreign transactions. However, with all these benefits, there is a drawback that comes from the interest rates each and every transaction incurs. The best thing about ORNL’s Platinum card is that for a period of 12 months, you can get to enjoy a cut-down APR of 3.99%.

This great offer only becomes available once you are able to make zero-fee purchases, cash and balance transfers within the first 60 days of owning your Visa Platinum card. Once you’re qualified, you will then be eligible for the low-APR offer for a whole year. After this promo period, the APR resumes the usual variable APR. This Prime rate APR varies upon your credit worth and history.

This limited offer is only available to newly opened accounts and does not include transfers form previous ORNL accounts.

The Usual Benefits

For every dollar spent using your ORNL card, points are designated to your account. Later on, these points are converted to rewards from the credit union’s trade partners. These include merchandise, travel and stay benefits, and a lot more.

Application for this card is open to anyone who is over 18 years old. However, those who are at the ages between 18 and 21 require a proof of independent income. If this is not applicable, a parent or legal guardian should be made as a qualified joint applicant to co-sign the application.

About ORNL

Founded in august 6, 1948, this credit union initially aimed to serve the community by starting out with employees of the Oak Ridge National Laboratory in Tennessee. The ten founders contributed $5 each in order to start the deposit base.

Now, ORNL has assets of over one billion dollars. Each and every account is federally insured to keep their customer’s good faith. It has branches located all over the state of Tennessee.

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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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Luxury In Rewards from Hyatt Credit Card

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

If you want your credit card rewards to come in the form of something luxurious, then we have just the thing for you. The Hyatt Credit card form Chase lets you enjoy an exclusive stay at any Hyatt hotel – all for free.

What are the Perks?

Just by making a purchase with your Hyatt credit card, you can be eligible for the Free Night Rewards. For Gold and new card holders, the free night award can be used for one night’s stay in a standard room at any Hyatt hotel or resort worldwide. Allow ten days from your qualifying first purchase for your reward to be credited to your account. This reward is not transferable to cash.

Platinum members will have the chance to enjoy not one, but two night free stays. Plus, they can upgrade the accommodation to two Suite rewards. This type of reward is also being offered to Diamond credit cardholders.

The offer is applicable and must be claimed within one year from qualification for all card types. First purchases exclude balance transfers and cash advances. It also does not include use of checks that are able to access your account. This offer is open only to new cardholders. Previous accounts or those which have been inactive for the past three months will not be eligible for the rewards.

The Usual Rewards

Aside form this special offer, Hyatt cards also offer the usual benefits that come with each and every credit card. For every dollar purchase made at any eligible Hyatt locations or participating partners, three points is credited to your card. On all other non-Hyatt purchases, one point will be given as per dollar purchase. The number of points you earn is unlimited, but it does have some restrictions. It does not offer points to cash advances, balance transfers, money orders and foreign currency, traveler’s checks, fraudulent or unauthorized charges, overdraft advances, any kind of fees which may include those that insure or protect your account balances.

Rates and Other Fees

Pricing information is given as follows:

APR = Variable upon the market price, starting at 15.24%
Balance Transfer = Variable upon the market price, starting at 15.24%
Cash Advance = Variable upon the market price, starting at 19.24%
Overdraft Advance AR= Variable upon the market price, starting at 19.24%
Annual Membership Fee = $75
The monthly balance should be paid within 21 days from statement delivery to prevent incurring penalty fees.

These Awards nights have no redemption fees as well as Internet fees, so you potentially get a value reward of up to $1,500. If that doesn’t sound like luxury to you, then we don’t know what is. So start living the high-life with your very own Hyatt Credit Card now.

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Power Rewards Visa Card is Bank of America’s Most Versatile Offer in Rewards

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

Rewards from credit offers come in many forms, but what reigns superior these days is a card that allows its customers to personalize the bonus they will be getting. Bank of America certainly knows the market in these type of cards, and this is why they have come up with the Power Rewards Visa Credit.

More Options, More Choices

The features of the Power Rewards card are essentially similar to other rewards card. For every daily spending, you get designated points. Whether you spend money on gas, groceries, home repairs, cellphones, or food establishments, you’re sure to have points added in your name. The incentives range according to your purchases. Groceries earn you 2% of the value of each cash back bonus, while gas gives you 3%. All other purchases give only 1%.

Once you’ve accumulated enough points, you can use them to redeem rewards of your choice. Shopaholics can use the points to browse through the Power Rewards mall. For the generous-at-heart, purchasing gift cards can be another option. And of course, back-packers and business travelers will be delighted to know that they can avail airfare and hotel privileges just by accumulating enough points. If you’re getting a little short on cash, then changing your points into money can be done. You can either choose to withdraw the amount for any immediate need, or it can be automatically transferred to your account.

Rates and Charges

The Power Rewards card offers a zero introductory rate for the first use. After this period, the APR for purchases will be decided base don your credit worthiness. This can range from 12.99% up to 20.99%. The value on the market Prime rate will also be considered.

As a bonus, the cardholder will also get to enjoy zero APR for balance transfers in the first year, after which the credit will be evaluated for the fixed APR every year thereafter. Cash advances have an APR of 20.99% for every direct deposit as well as check cash advances. On the other hand, an APR of 24.99% is fixed upon Bank cash advances.

Paying the monthly dues must be done within 25 days from receiving the bank statement. Like most cards in the rewards category, it offers zero-liability on unauthorized transactions.

With its fair rates and a wide range of rewards options to choose from, the Power Rewards Visa card is the perfect way of getting the most out of any credit card.

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