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Discover® Card

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
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Get $75 Cashback Bonus when you make $500 in purchases within 3 months.
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Discover® Card

Discover® Open Road Card

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Discover® Card

Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Discover® Card

Miles by Discover® Card

12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year.
1 Mile per $1 on every purchase.
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year.
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American Express

True Earnings® Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
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American Express

Blue Cash® from American Express

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
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Discover® Card

Discover® More Card - Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 9 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Chase

Chase Freedom® Visa - $50 Bonus Cash Back

Earn $50 Bonus Cash Back after first purchase.
0% Intro APR and No Annual Fee.
5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
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Discover® Card

Discover® Motiva Card

Cash rewards for your good credit management.
Each time you make 6 on-time payments in a row, you´ll get a Pay-On-Time Bonus equal to a full month´s interest added to your Cashback Bonus account.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
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American Express

American Express® Gold Card

Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
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Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
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American Express

Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember.
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HSBC Bank Nevada

Orchard Bank® Visa® Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
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American Express

American Express® Premier Rewards Gold Card

3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
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Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership.
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American Express

Delta Reserve Credit Card

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase.
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Applied Bank®

Secured Visa® Credit Card

12.99% Low Fixed APR - Rate Won´t Change Even If You´re Late!
Choose Your Credit Limit - From $200 up to $500.
Monthly Credit Bureau Reporting.
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Chase

Chase SapphireSM

Earn $100 in rewards - that´s 10,000 bonus points after your first purchase!
Redeem points for travel, gift cards, merchandise, cash back and more.
2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases.
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American Express

Blue Sky from American Express®

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
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MetaBank

READYdebit® Visa® Prepaid Debit Card

Get your routing number & account number instantly!
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Direct deposit your paycheck or social security benefit check.
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HSBC Bank Nevada

Orchard Bank® Classic MasterCards

An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
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Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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Discover® Card

Discover® Student Tropical Beach Card

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
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Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
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American Express U.K.

Platinum Cashback Credit Card

Typical 19.9% APR variable.
No Annual Fee.
5% Cashback for the first 3 months up to £100.
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Public Savings Bank

Classic Secured Visa® Credit Card

Build credit history - we report to all 3 major credit bureaus.
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No annual fees or monthly maintenance fees.
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Discover® Card

Discover® Mix Tape Student Card

Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
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American Express U.K.

Red Card

Typical 18.9% APR variable.
No Annual Fee for life.
1% of your total spend goes to the Global Fund, to help fight AIDS in Africa.
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MetaBank

AccountNow® Gold Visa® Prepaid Card

100% Guaranteed Approval.15
$0 Monthly Fee.
Build Credit History.
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Discover® Card

Discover® Student Card - Clear

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
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American Express U.K.

British Airways Premium Plus Card

6,000 bonus BA Miles.
Earn 1.5 BA Miles for virtually £1 you spend.
Double BA Miles on British Airways flight and BA Holidays.
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Site FAQ
Frequently Asked Questions
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.

My Credit Score is 602 which I guess is not very good. Is their a card that I might get with a lower interest rate?
The higher your credit score, the better credit card offers you will be eligible for and receive. This includes the credit cards with the lowest interest rates. In other words, the interest rate you receive is directly related to your credit score. The credit score scale ranges from 300 to 850. Most people have scores between 600 and 800. A score of 720 or higher gets you the most favorable interest rates. According to Myfico.com, someone with a credit score of 720 to 850 will have an Annual Percentage Rate (APR) on their mortgage of 5.649 percent, while someone with a credit score of 675 to 699 will have an APR of 6.311 percent. This small difference can cost you much more than you think. Fortunately, there are many ways to raise your credit score. First, check your credit report at least once a year and correct any incorrect information you find on your credit report as quickly as possible. Second, have as few open credit card accounts as possible. For accounts you do have open, keep the balances as low as possible. And of course, make all of your payments on time. By following these guidelines, your credit score should rise each month and make you eligible for lower interest rate credit cards.

Why Does APR fluctuate?
some credit card plans allow the card issuer to change the annual percentage rate on your account when interest rates or other economic Indicators (called indexes) change. Because the rate change is linked to the performance of the index, which may rise or fall, these plans are commonly called "variable rate" plans. Rate changes raise or lower the amount of the finance charge you pay on your account. If the credit card you are considering has a variable rate feature, the card issuer must tell you that the rate may vary and how the rate is determined, including which index is used and what additional amount (the "margin") is added to the index to determine your new rate. You also must be told how much and how often your rate may change.

Shopping Around for the Right Card
When shopping for a credit card, you probably will want to look at other factors besides costs- such as whether the credit limit is high enough to meet your needs, how widely the card is accepted, and what services and features are available under the plan. You may be interested, for example, in "affinity cards" -- all-purpose credit cards that are sponsored by professional organizations, college alumni associations, and some members of the travel industry. Frequently, an affinity card issuer donates a portion of the annual fees or transaction charges to the sponsoring organization, or allows you to qualify for free travel or other bonuses.

When should you turn a credit card offer down, and when should you accept?
For the new college student, it can be relatively easy to get a card. It will seem people are everywhere with offers. You will get offers in your mail box, and see VISA, MasterCard and Discover card tables at many school events. The solicitors at these tables will not only ask you to fill out quick and easy credit card applications, but they will also offer you free gifts and incentives just for doing so. The gifts are often yours to keep, even if you choose not to accept their credit card.

What is "Grace Period"?
A free period -- also called a "grace period" -- allows you to avoid the finance charge by paying your current balance in full before the "due date" shown on your statement. Knowing whether a credit card plan gives you a free period is especially important if you plan to pay your account in full each month. If there is no free period, the card issuer will impose a finance charge from the date you use your credit card or from the date each credit card transaction is posted to your account. If your credit card plan allows a free period, the card issuer must mail your bill at least 14 days before your payment is due. This is to ensure that you have enough time to make your payment by the due date.

What is the difference between an additional card and co-signer card?
An additional card is a card you get on your personal credit account with another person?’s name on it. This means that the person now has access to your credit account as if it is their own account and can charge as much as they want without your permission beforehand. In addition, this person is not held accountable by your creditor for making any payment on the account. This responsibility falls on you, the account holder. As a result, no matter how much this person charges on your card, you have to pay for it?—even if the person promises to pay you back and doesn?’t. A cosigner card is a credit card someone applies for and gets a cosigner to sign on. Essentially, it is the applicant?’s credit account, but if they stop making payments, the cosigner is then responsible for the account. The history of the account goes on both person?’s credit reports. The cosigner will have to make special arrangements with the creditor before cosigning to get monthly statements on the account or reports of late payments. Otherwise, the cosigner will not have access to the account information. If you do cosign on an account, remember that you assume equal liability.

Take a good look at your Pre-Approved Credit Card Offers
Chances are you have received offers in the mail asking if you would like to open credit card accounts. Frequently, these offers say that you have been "pre-approved" for the card, with a line of credit already set aside for your use. Typically, these offers urge you to accept quickly, "before the offer expires." However, before accepting a credit card offer, understand the cards credit terms and compare costs of similar cards to get the features and terms you want.

Don't be Late, Pay the Minimum
Late fees, these days, may take a toll on your financial health. It would be especially unfortunate to pay a late fee if your total credit card bill is less than the amount of late fee. To avoid this situation, consider paying a minimum due on your bill if you do not have enough cash on hand to pay off the whole bill on time.

When should credit card payments be credited?
A card issuer must credit your account on the day the issuer receives your payment, unless the payment is not made according to the creditors requirements or the delay in crediting to your account does not result in a charge. To avoid delays that could result in finance charges, follow the card issuers instructions about where to send payments. Payments sent to other locations could delay getting credit for your payment for up to five days. If you lose your payment envelope, look on the billing statement for the address for payments or call the card issuer.

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