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
Credit Limit
Every credit card has a credit limit. It can be anywhere from a few hundred dollars to $250,000. There are even cards, such as the MBNA Quantum Card, that has a credit limit of $1 million. This limit is all you are allowed to spend. Once you charge the full limit on your card, your card can not be used until the balance is paid down some. The more you charge on your credit card, the higher your minimum monthly payment will be. Some cards do not prevent you from charging over your credit limit. If you do so, you will find your next monthly bill has over the limit fees added to your balance. You will then be required to pay the total amount over the limit and all the penalty fees in order to avoid even more over the limit fees the next billing cycle. (Change to: You will then be required to pay at least an amount you charged over credit limit and all the penalty fees, in order to avoid even more over the limit fees the next billing cycle) As you can see, your credit card bill could easily grow out of control if you get over the limit. The moral is, stay under your credit limit!

How important is the Balance Computation Method for Finance Charges?
If your plan has no free period, or if you expect to pay for purchases over time, it is important to know how the card issuer will calculate your finance charge. This charge will vary depending upon the method the card issuer uses to figure your balance. The method used can make a difference, sometimes a big difference, in how much finance charge you will pay -- even when the APR is identical to that charged by another card issuer and the pattern of purchases and payments is the same.

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.

Cash Advance
Many credit cards allow cash advances When you get a cash advance off your credit card, you either use your card to get cash from your bank teller or ATM machine, or you use one of the paper checks that came with your credit card. A cash advance can help you when you are short on cash and desperately need it, but it can also cost you much more than a regular charge on your credit card. There is usually an initial fee just for getting a cash advance and a higher interest rate on the cash amount borrowed. These fees add to your balance owed and can make your balance grow more each month than you anticipate. For these reasons, you should limit cash advances to emergency situations.

I'm a foreigner and need a credit card to establish credit. I have a Social Security number, but I?m not a U.S. resident. Are there any cards that I may apply for and get approved?
There are many cards you can apply for, as long as you have a social security number. However, you may find it difficult to get approved because you do not have a credit history in the U.S. To start building a credit history in the U.S., you need to obtain credit from a credit card company or bank that reports to all three of the major credit bureaus (Experian, Equifax and TransUnion). You might have to consider credit cards with higher interest rates, security deposits, lower credit balances or application fees. Read all the terms and conditions thoroughly to protect yourself from a card that will cause you more harm than good. If you have a checking or savings account, apply for your bank?s credit card. They may approve you since you have a financial history with them. Also, they may add a stipulation that late or missed payments will be withdrawn automatically from your checking or savings account. Remember: always avoid any credit card offers that charge high fees. There are plenty of options out there to help you establish credit. You do not have to go into high debt to do so. Once you establish a positive credit history, you can then get approved for credit cards that cost you less and offer you more.

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

Pay by Phone
If you are in doubt whether your payment will arrive on time, you may call your credit card issuer and make a payment by phone. It may cost you anywhere from $5 to $30, but you will avoid paying a much more costly late fee. To make a payment by phone, all you need to provide is your bank?s account and routing numbers, printed on the bottom of your check and a check number you wish to use. Remember, however, that you will not be able to use a check, whose number you had used for credit card payment.

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.

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.

What is APR?
Annual Percentage Rate. The "annual percentage rate," or APR, is disclosed to you when you apply for a card, again when you open the account, and it is also noted on each bill you receive. It is a measure of the cost of credit, expressed as a yearly rate. The card issuer also must disclose the "periodic rate" -- that is, the rate the card issuer applies to your outstanding account balance to figure the finance charge for each billing period

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