Benefits Of Balance Transfer Cards
Posted on July 28, 2008
If you need help keeping track of all your credit card balances and you are tired of all your monthly payments being swallowed up in interest, then a balance transfer credit card is for you.
» Filed Under Credit Card Tips | Leave a Comment
All About American Express
Posted on July 22, 2008
Also known as AMEX, American Express is easily one of the most recognized names in the world of credit cards. Even though many people have Visa or MasterCard credit cards, they are still interested in AMEX. With Visa, MasterCard, and AMEX being the most popular and preferred types of credit cards, they are all great although there are also differences between them as well.
» Filed Under Credit Card Tips | Leave a Comment
Air Miles - Use It Or Lose It
Posted on July 16, 2008
Most airline companies encourage you to apply for their mileage accounts by offering the chance to earn miles that can be redeemed for flights and many other rewards.
Generally your miles do not expire as long as your account remains active for a period of time. For accounts with no activity however, expiration times will vary but on average it is about 36 months.
» Filed Under Credit Card Tips | Leave a Comment
Chase TravelPlus® Visa® Card
Posted on July 11, 2008
Issued by Chase
Overall Rating
Benefit Rating
Special Offer: 0% APR for 12 Months and is applied to Purchases, Balance Transfers.
APR (Purch): 17.24%
Annual Fee: $0
Category: Reward - Travel
Review
The Chase TravelPlus® Visa® Card, issued by Chase, is designed for those with very good credit who plan to take advantage of the travel rewards program.
Through the reward program, cardholders earn one mile for every dollar spent on general purchases and two miles for every dollar spent on travel purchases. Earned miles can be redeemed for free hotel stays, car rentals, retail gift certificates, and other various attractions. An unlimited amount of miles can be earned, and there are no blackout dates or seat restrictions applied.
The card also offers platinum cardholder benefits provided by Chase, such as up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
The card offers an attractive 0% introductory rate on purchases and balance transfers for the first twelve months. However, the APR for purchases is above average once the introductory rate expires. Although there is no annual fee for the credit card, there is a $29 annual fee to participate in the rewards program, which is quite reasonable.
Therefore, those who plan to take advantage of the rewards program will benefit most from what the Chase TravelPlus® Visa® Card has to offer.
Review Date: 1/17/2008
Most Attractive Feature(s): Access to rewards program; no yearly limit on miles; 0% introductory rate.
Least Attractive Feature(s): Points cannot be combined with frequent flyer programs; annual fee for rewards program.
Additional Perks
Various Internet account related services.
Personal concierge service.
Lost luggage insurance.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Various travel and emergency assistance services.
Extended warranty for purchases.
Year-end financial statement (upon request).
Access to TravelPlus Rewards program.
See website for additional benefits.
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
» Filed Under - Travel | Leave a Comment
Pier 1 Rewards MasterCard®
Posted on July 9, 2008
Issued by Chase
Overall Rating
Benefit Rating
Special Offer: 0% APR for 6 Months and is applied to Purchases, Balance Transfers.
APR (Purch): 14.24%
Annual Fee: $0
Category: Reward - Retail
Review
The Pier 1 Rewards MasterCard®, issued by Chase, is designed for those with very good credit who plan to take advantage of the rewards program.
Through the rewards program, cardholders earn 4 points per dollar on purchases made at Pier 1 Imports and one point per dollar on all other purchases. Once the cardholder earns 2,000 points, a certificate valued at $20 can be redeemed for purchases at Pier 1 Imports. Cardholders will also receive a 20% off coupon upon approval redeemable at Pier 1 Imports.
The card has no annual fee, a 0% introductory rate for both purchases and balance transfers for the first six billing cycles, and an average interest rate once the introductory rate expires (for those who qualify).
Therefore, those who plan to frequently shop at Pier 1 Imports (to earn the additional points) and can afford to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the Pier 1 Rewards MasterCard® has to offer.
Review Date: 1/17/2008
Most Attractive Feature(s): Common benefits; no annual fee; four points per dollar spent at Pier 1 Imports; bonus points.
Least Attractive Feature(s): Higher APR for less qualifying applicants.
Additional Perks
See website for additional benefits.
Important Notations
See website for complete terms and conditions of card usage and application disclosure.
» Filed Under - Retail | Leave a Comment
