Blue Cash(SM) from American Express®
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Discover® Card

More® Card

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus®.*
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Citibank

Citi® Diamond Preferred® Rewards MasterCard®

0% APR on BT for up to 12 months.
No Annual Fee.
Earn 5 Reward Points for every $1 you spend on purchases at supermarkets, drugstores, and gas stations for 12 months.
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Citibank

Citi CashReturnsSM Card

0% APR on Balance Transfers for up to 12 months.
No Annual Fee.
Earn up to 6% Cash Back on purchases.
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American Express

Blue from American Express®

0% APR on Purchases for up to 12 months.
No Annual Fee.
2.99% Fixed APR on BT for first 12 months.
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Discover® Card

Discover® Open Road® Card

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month.
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American Express

Blue Cash® from American Express

0% Intro APR for up to 12 months on Purchases.
No Annual Fee.
Earn up to 5% Cash Back on everyday Purchases - even gas!
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Discover® Card

More® Card - Clear

0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus®.*
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Citibank

Citi PremierPass Elite Level MasterCard®

20,000 bonus points after $600 in purchases made within 3 months of account opening - enough for a round-trip ticket up to $400 in value.
Annual Fee applies.
Earn 2 points for every dollar spent on everyday purchases.
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HSBC Bank

HSBC Platinum MasterCard® with Cash Back Rewards

0% Intro APR on purchases and balance transfers for 12 months.
No Annual Fee.
Earn unlimited 1% Cash Back rewards on new net retail purchase, everywhere you shop!
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American Express

Preferred Rewards Gold Card

Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
Gold Card Events.
No Pre-set Spending Limit.
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Discover® Card

Miles by Discover® Card

0% Intro APR on Purchases and Balance Transfers for 6 months.
No Annual Fee.
Book any travel, anytime with no blackout dates or restrictions.
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Citibank

CitiBusiness Card® with ThankYou Network®

0% APR on purchases for 12 months.
No Annual Fee.
10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card.
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American Express

Preferred Rewards Green Card

Earn 5,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $50 gift card!
The Membership Rewards program also lets your transfer points to 17 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs.
No Pre-set Spending Limit.
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American Express

Gold Delta SkyMiles® Credit 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.
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Citibank

CitiBusiness Card®

0% APR on purchases for 12 months.
No Annual Fee.
$25 Statement Credit after $250 in purchases.
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Citibank

Citi PremierPass MasterCard®

0% APR on Balance Transfer for up to 12 months.
No Annual Fee.
10,000 bonus points after $300 in purchases made within 3 months of account opening - enough for a $100 gift card.
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American Express

Blue Sky from American Express

0% Intro APR for up to 12 months on Purchases.
No Annual Fee.
Earn 1 point for every dollar you spend.
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Discover® Card

Discover® Business Card®

0% Intro APR on Purchases for 12 months.
No Annual Fee.
5% Cashback Bonus on office supplies, 2% on gas and up to 1% on all other purchases.
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Orchard Bank

Orchard Bank Classic MasterCard®

0% Intro APR for 6 Months on Purchases and Balance Transfers, for qualified applicants.
Acceptance at millions of locations worldwide, including website purchases and reservations.
Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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Citibank

Citi® mtvU™ Platinum Select® Visa® Card for College Students

0% Intro APR for 6 Months.
No Annual Fee.
Earn 1 ThankYou Points® for every dollar you spend on all purchases.
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American Express U.K.

Platinum Cashback Credit Card

Typical 18.9% APR variable.
No Annual Fee.
5% Cashback for the first 3 months up to £200.
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Orchard Bank

Orchard Bank Low APR MasterCards

7.9% - 8.9% variable Purchase APR on all cards.
Free standard Online Bill Pay, no matter how often you use it.
Your choice of payment due dates to make paying your bill on time easier with online enrollment.
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Discover® Card

Discover® Student Card

0% Interest on Purchases for 6 months.
No Annual Fee.
5% Cashback Bonus® in categories that change four times a year like travel, gas, restaurants, movies, and more.
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American Express U.K.

Red Card

Typical 16.9% APR variable.
No Annual Fee for life.
1% of spend contributed to the global fund.
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Millennium Bank

Black Diamond Visa®

Approved regardless of credit history.
No Credit Check.
Get cash at over 740,000 ATMs.
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Citibank

Citi® Platinum Select® Card for College Students

0% APR for 6 months.
No Annual Fee.
Build good credit history.
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HFC Bank

GM MasterCard®

0% p.a. on all purchases and balance transfers, fixed for the first 5 months from account opening.
No Annual Fee.
Typical 14.9% APR variable.
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The following credit cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
Site FAQ
Frequently Asked Questions
Be wary of credit card application
A credit card works differently. With a credit card, someone has given you a fixed line of credit. Say, $1000. Anytime you use your credit card, the amount is deducted from your credit line. Then each month you will get a bill. You can either pay all that you owe or only pay a required minimum of the balance due. What you don?t pay will stay on your account and collect interest each month until it is paid off. This might sound like a great thing: buy now, pay later. However, the interest can quickly multiply and cost you much more than you ever spent to start with.

Do you know if secured deposits earn interest? If so, what is the range and what does it depend on?
some secured credit card offers do include interest on your initial deposit. In addition, some of these secured credit cards also allow you to add more money to this deposit in order to collect more interest. However, these features do not apply to all secured credit card deposits. Your card application and terms should state whether or not the secured card you are applying for has this feature. The amount of interest is usually comparable to the amount of interest you?d get with a savings account and varies with each card. The rate can also vary from month to month, so check with your credit issuer about the exact amount. While these secured credit cards may offer you interest accruing perks, these cards normally have annual fee requirements and higher interest rates on your balance owed. As a result, the interest you earn may not even cover the amount of interest and fees you owe back. Take the time to do the math on what a secured card will cost you and earn for you in reality. This could determine whether or not the secured credit card is a viable option for your financial future

What type of information do credit bureaus collect and sell?
Credit bureaus collect and sell four basic types of information. Identification and employment information Your name, birth date, Social Security number, employer, and spouses name are routinely noted. The CRA also may provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information. Payment history Your accounts with different creditors are listed, showing how much credit has been extended and whether youve paid on time. Related events, such as referral of an overdue account to a collection agency, may also be noted. Inquiries CRAs must maintain a record of all creditors who have asked for your credit history within the past year, and a record of those persons or businesses requesting your credit history for employment purposes for the past two years. Public record information. Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your report.

Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?two years for employment related requests.

Using You Credit Card Card Abroad
taking your credit cards with you on your next overseas trip can make traveling easier. You dont have to carry as much cash or get foreign currency you may not use, and you have a record of all your purchases. Most major credit cards are accepted worldwide, and in many countries credit cards are widely accepted. If your credit cards are lost or stolen and used by a thief, you generally cannot be held responsible for more than $50 in fraudulent charges. That makes carrying credit cards safer than carrying a lot of cash. Some credit card companies will replace your cards (sometimes overnight) if they are lost or stolen while youre traveling another plus.

How will you know if someone has stolen your identity?
should you throw them all away immediately? Not necessarily. Should you gleefully accept all those great offers and the individual perks and free gifts that come along with the cards? No. Instead, you should carefully consider each card and what it offers you long term. This way the card (or cards) you do sign on with will work for you, rather than become a burden to you financially.

Annual Percentage Rate
All cards have an Annual Percentage Rate (APR) and many have an Annual Fee. The APR is what makes creditors money off your charges. For each penny you charge, interest accrues monthly until you pay that penny off. Cards can have APRs as low as 0% (although 0% is only offered during a short introductory period) and as high as 29%. It is up to you to know what the APR on your card is and whether or not it is a fixed rate, or if it can be changed at any time. You might only charge $20, but you will also owe your creditor the interest that accrues on that $20. However, if you pay off your complete balance by the due date, no interest will accrue.

Correcting Billing Errors
Federal law provides specific rules that the card issuer must follow for promptly correcting billing errors. The card issuer will give you a statement describing these rules when you open the credit card account and, after that, at least once a year. In fact, many card issuers print a summary of your rights on each bill they send you.

May I obtain a U.S. issued credit card if I have an excellent credit history in another country?
Yes, you might be able to use your past excellent credit history to obtain a U.S. issued credit card. However, it will take some time and effort on your part. Many people come to the U.S. with a positive credit history. Normally, this credit history is not transferred to the U.S. As a result, when you apply for a credit card the creditor will not see your excellent credit history. They will then deny you credit based on the fact you supposedly have no credit history established. Getting a social security number is the first step you should take. You must have a social security number to get a U.S. issued credit card. Next, contact Experian, Equifax and TransUnion (the three major credit reporting bureaus) to see if they will transfer your excellent credit history from your home country. This usually does not happen, but in some cases it can. For example, TransUnion does transfer Canadian credit histories to the U.S. If you can get your credit history transferred, this will make it much easier for you to get a U.S. issued card. If you find that you cannot get your credit history transferred, you will have to start from scratch and build a new credit history in the U.S. You can look into applying for secured credit cards, bank-issued credit cards and other credit cards that can get you started. These cards may charge fees or high-interest rates, so be sure you understand all the terms before applying. Whenever possible, try to apply by phone. This way you can explain your situation in person and possibly get approved or denied on the phone. If denied, you can apply in writing and state in your letter application that you have an excellent credit history in another country. If possible, include a copy of your credit report with the application. The creditor may then be able to approve you after some investigation. If there has been no response in 30 days, contact the creditor to check on your application.

What can you afford using your credit card
However, there are times when it might be wiser to use a credit card. For example, any time you make a purchase online, you should try to use a credit card. Why? If there ever is a case of someone stealing your credit card number and charging on it, you will usually only have to pay up to $50 of the stolen amount. If someone steals your debit card number and uses it, you will rarely get any of that money back. Some banks do offer theft protection on debit cards as a courtesy, but they are not legally obligated to refund the money stolen. It is up to the customer to close their account in order to stop withdrawals. Check with your bank to find out what their liability policy is on debit card theft. If you do use a credit card, you can always pay off your balance immediately and avoid ever paying any interest.

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