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  7.   "documents": ["By: John Kiernan, Credit Card Editor Barclaycard is neither. It is a credit card issuer and part of Barclays Bank . Barclaycard does, however, issue both Visa and Mastercard credit cards. It's pretty much an even split between the two, though there are a few more Barclaycard Visa credit cards than Barclaycard Mastercard credit cards. For what it's worth, the two best Barclaycards are on the Mastercard network.","x Close","0% APR Credit Cards A 0% intro APR card is a tempting offer which allows users to pay no interest for a specific period. Depending on different issuers, the 0% introductory APR service can last from six months to about 21 months. Before you apply a 0% APR credit card, remember that most cards apply 0% APR to balance transfers or purchases, but not both. 0% intro APRs on purchases can really save you big money if you want to buy a car, plan a long vacation or buy other expensive things. 0% intro APRs on balance transfers can be a great way to pay down high-interest credit card debt and consolidate balances. Earn 10,000 Membership Rewards(r) points after you use your new Card to make $1,000 in purchases in your first 3 months. Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply. 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply. You can use Membership Rewards(r) points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking. No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 23.99%, based on your creditworthiness and other factors. Terms Apply. See additional The Amex EveryDay(r) Credit Card from American Express details Show More... Show Less We'll match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles. Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee. No Blackout Dates - fly any airline, stay at any hotel. Redeem your rewards in any amount for cash or a travel credit. Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. Get your FICO(r) Credit Score for free on monthly statements, on mobile and online. No Annual Fee. See additional Discover it(r) Miles details Show More... Show Less Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days -- that's enough to redeem for a $500 travel statement credit Earn 2X miles on all purchases Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary Get 5% miles back to use toward your next redemption, every time you redeem Miles don't expire as long as your account is open, active and in good standing No foreign transaction fees on anything you buy while in another country 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers See additional Barclaycard Arrival Plus(tm) World Elite MasterCard(r) details Show More... Show Less Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*. More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card. *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening. No Annual Fee Terms Apply See additional The Blue Business(sm) Plus Credit Card from American Express details Show More... Show Less Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend Earn 25,000 bonus points when you spend $1,000 in the first 60 days No annual fee and no international transaction fees Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz(r) 0% Introductory APR on purchases for your first 9 billing cycles Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards See additional Bank of America(r) Business Advantage Travel Rewards World Mastercard(r) credit card details Show More... Show Less 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.24% after that Earnings can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle See additional GM BuyPower Business Card from Capital One(r) details Show More... Show Less","This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. Please visit our Advertiser Disclosure to view our partners, and for additional details. Wise Bread Picks Many people prefer cash back rewards to other credit card perks such as frequent flyer miles. Cash rewards programs are simple to understand and easy to redeem. Unlike points and miles, cash can earn interest when unused and are not subject to the constantly changing terms and conditions of credit card issuers and travel programs. (See also: How Cash Rewards Credit Cards Really Work ) My family is a perfect example of how you can use credit cards to receive cash back. Using our cards for day-to-day purchases, we may spend as much as $2,500 on them each month. When we are not looking for travel rewards , we use a card that returns 2% on all purchases in order to earn an additional $50 a month in cash back. That equals a return of $600 each year that we can add to our discretionary spending or apply to our savings. Just one word of caution -- cash back credit cards should only be used by people who can pay their credit card balances in full and on time. To do otherwise virtually ensures that you will owe more in interest and penalties than you will ever receive as cash back. The Top Credit Cards Featuring Cash Back Rewards Once you have decided to earn credit card rewards in the form of cash back, you should definitely consider my favorite cash back rewards credit cards. Bank of America(r) Cash Rewards Credit Card The Bank of America(r) Cash Rewards Credit Card offers 2% back at grocery stores and wholesale clubs, 3% back on gas, and 1% on other purchases. (Grocery store, wholesale club, and gas bonus rewards apply to the first $2500 in combined purchases in these categories each quarter.) Bank of America customers get an extra 10% bonus when redeeming rewards directly into a Bank of America(r) checking or savings account (instead of a statement credit). There is no annual fee . Bonus offer: $150 online cash rewards bonus after you spend at least $500 in purchases in the first 90 days of account opening.  Click here to learn more and apply for the Bank of America(r) Cash Rewards Credit Card today! Blue Cash Preferred(r) Card from American Express The Blue Cash Preferred(r) Card from American Express offers the highest cash back you can get for groceries. Earn 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, 1% after that), 3% at U.S. gas stations and select U.S. department stores, and 1% on other purchases. There is $0 intro annual fee for the first year of Card Membership, then $95. Welcome offer:  Earn $150 back after spending $1,000 in purchases within the first 3 months. Terms apply. See rates and fees. Click here to learn more and apply for the Blue Cash Preferred(r) Card from American Express today! Citi(r) Double Cash Card - 18 month BT offer The Citi(r) Double Cash Card - 18 month BT offer from our partner Citi stands out from other credit cards offering cash back rewards in that you earn cash back not once, but twice on every purchase. You get 1% cash back when you buy, plus another 1% cash back as you pay for those purchases. No need to wait until you pay off a purchase to earn the additional cash back -- you'll get it whether you can pay in full or over time, as long as you pay at least the minimum amount due. There are no category restrictions, no enrollments in rotating categories, and no limits on the amount of cash back that you earn. There is no annual fee . Click here to learn more and apply for the Citi(r) Double Cash Card - 18 month BT offer today! Chase Freedom Unlimited(r) The Chase Freedom Unlimited(r) Credit Card is one of the newest cash back credit cards on the block, offering unlimited 1.5% cash back on every purchase - it's automatic! Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. The cash back does not expire and can be requested at any time with no minimum requirements. There is no annual fee for this card . Click here to learn more and apply for the Chase Freedom Unlimited(r) today! Barclaycard CashForward(tm) World Mastercard(r) The Barclaycard CashForward(tm) World Mastercard(r) offers 1.5% unlimited cash back on every purchase. Cardholders also get a 5% redemption bonus. The minimum redemption requirement is $50. As a bonus, new cardholders can earn $200 after spending $1,000 in purchases in the first 90 days of account opening. There is no annual fee. Click here to learn more and apply for the Barclaycard CashForward(tm) World Mastercard(r) today! While not as exciting as redeeming rewards for travel, the value in getting cold, hard cash is not to be underestimated. There's no value in collecting travel rewards if you don't end up using them. With cash rewards, you know you'll always be able to use your points. Start collecting your cash rewards today! Like this article? Pin it!  Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.","Cash Advance Rates and Fees Issuers provide cash advance services to allow cardholders to withdraw cash from their credit line from an ATM, bank, or another financial institution. Though this can be helpful, cash advances generally carry a high APR and transaction fees. The average cash advance APR is 24.40%. Aside from the APR, Wells Fargo Cash Wise Visa(r) cardholders will be charged a cash advance fee of either $10 USD or 24.49% , whichever is greater, if they use the card for a cash advance.","The AARP card from Chase doubles its sign-up bonus to $200 By Tracy Brackman | Published: August 8, 2017 The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy The AARP card from Chase has doubled its cash back bonus for a limited time. The new offer pays $200 when you apply for the card by Aug. 25, 2017 and spend $500 in the first three months. In addition to the $200 bonus, the AARP card from Chase offers cash back rewards on popular, everyday purchases, including: Cash back can be redeemed as a statement credit or deposited directly into your checking or savings account in increments of $20. You can also redeem rewards for gift cards, travel or a redemption code that can be used to join or renew AARP membership. There are no caps on the amount of rewards you earn, and rewards do not expire as long as your account remains open. Additional card benefits include: Giving back - For each restaurant purchase you make, 10 cents will be donated to support AARP's Drive to End Hunger, up to $1 million in 2017. Purchase protection - New purchases are covered for 120 days against damage or theft, up to $500 per claim and $50,000 per account. Extended warranty - Eligible warranties of three years or less are extended by one year. Zero liability protection - You will not be responsible for fraudulent charges made using your card or account information. A great card for road trippers With the limited-time bonus offer, this is a great time to check out the Chase AARP card. The 3 percent cash back rate on gas and dining is high for a card with no annual fee, making it a good choice for domestic travelers who spend a lot of time on the road, as well as those who dine out frequently. Unfortunately, the card does charge a 3 percent fee for foreign transactions. If your travel plans mostly include trips outside of the U.S., you are better off searching for a travel card with no foreign transaction fee. Comparing cards with $200 bonuses The AARP card's $200 offer is on the high side of the range of cash back card sign-up bonuses, which mostly fall between $100 and $150. For example, the Blue Cash Preferred card offers $150 back after spending $1,000 in the first 3 months, while the Chase Freedom and Chase Freedom Unlimited cards offer $150 back after spending $500 in the first three months. However, $200 offers are becoming more popular. The Barclaycard CashForward World Mastercard upped its sign-up bonus to $200 earlier this year, and Wells Fargo launched the Cash Wise Visa with a $200 sign-up bonus in April 2017. Take a look at the chart below to see how these cards stack up against each other. CARDS WITH $200 SIGN-UP BONUSES Credit card Sign-up bonus Cash back rate Pros Cons AARP card from Chase $200 after $500 spend in first 3 months * 3% on restaurant and gas station purchases * 1% on general purchases * No annual fee * No limit on amount of cash you can earn * Rewards don't expire * Rewards can be redeemed as a bank deposit or statement credit or for gift cards or travel * No introductory APR offer * Cash can only be redeemed in $20 increments Wells Fargo Cash Wise Visa $200 after $1,000 spend in first 3 months * 1.8% on Android and Apple Pay purchases during first 12 months * 1.5% on general purchases * 0% intro APR on purchases and balance transfers * $600 cell phone protection * No annual fee * No limit on amount of cash you can earn * Rewards don't expire * Rewards can be redeemed for gift cards, merchandise, travel, cash, digital rewards and charitable donations * Cash can only be withdrawn in increments of $20 by ATM or $25 by phone Barclaycard CashForward World Mastercard $200 after $1,000 spend in 90 days * 5% cash back each time you redeem your rewards * 1.5% cash back on general purchases * 0% intro APR on purchases and balance transfers * No annual fee * No limit on amount of cash you can earn * Rewards don't expire * Minimum redemption of $50 * Rewards cannot be redeemed for merchandise or travel The content on this page is accurate as of the posting date. Please see the bank's website for the most current version of the offer. While these cards have many similarities - including $0 annual fees, cash back on every purchase, $200 sign-up bonuses and rewards that never expire - they do differ on spend thresholds required to receive the sign-up bonuses, as well as rewards rates. The AARP card only requires cardholders to spend $500 in the first three months, which averages out to be a manageable $167 per month for three months. The Wells Fargo Visa and Barclaycard CashForward Mastercard, on the other hand, require $1,000 spend, which averages out to be approximately $333 per month for three months. While $1,000 is not generally considered a high spend threshold, it could be more difficult to reach depending on your spending habits. As mentioned above, the AARP card is targeted to road trippers, offering a bonus rate strictly on restaurants and gas stations. The card gives you a mere 1 percent cash back on your remaining purchases, while the Wells Fargo and Barclaycard cards offer a flat 1.5 percent cash back rate on every purchase. If a large part of your budget isn't devoted to gas and restaurants, you may be able to earn more cash back with the flat rate on these cards. Furthermore, if you're interested in carrying a card balance, the AARP card won't be your best bet, since it doesn't offer an introductory APR. While we recommend paying off your card balance in full each month, we also know that isn't always possible. If you plan to carry a card balance or transfer a balance from a different card, you may find that either the Wells Fargo card - which offers a 0 percent APR on purchases and balance transfers for 12 months - or the Barclaycard CashForward card - which offers an even longer 0 percent introductory period of 15 months for both purchases and balance transfers - is the better way to go. Offer restrictions The $200 sign-up bonus offer is available to new AARP from Chase cardholders who have not received a new card member bonus for the card in the past 24 months. While this card was designed with AARP values in mind, you do not need to be an AARP member, over the age of 50 or retired to be approved. See related: Wells Fargo boosts the sign-up bonus for the Cash Wise Visa to $200 , Chase Freedom vs. Chase Freedom Unlimited: Which is best for you? The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy Join the discussion We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused. If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below. The editorial content on CreditCards.com","Even as some merchants favor cashless transactions, can't one still get by in Europe with good, old-fashioned cash? Many Americans who work and travel abroad say yes. \"Paris is still old world--almost everyone takes cash,\" said Colette Davidson, a Paris-based American journalist on a recent afternoon in the Marais, a trendy district where shoppers flock on Sundays while most Parisian stores traditionally remain closed. \"Plenty of places still don't take cards at all.\" Those whose Parisian fantasy involves bicycling while carrying a fresh baguette under one arm should be forewarned: while cash will suffice for the baguette, the bike may be another story. One exception to Paris' cash-friendly ethos remains the city's hugely popular Velib public bike rental system, used by residents and travelers alike. Without a smart chip card, you'll be out of luck. The Paris Metro doesn't take magnetic stripe credit cards either, but it does still take Euro coins. If negotiating the business of smart cards sounds so complicated that you're considering trading the plane tickets to Prague for a cruise with the in-laws, some good news: several U.S. banks are finally offering new chip and PIN options to cardholders. The Wells Fargo Propel World American Express card is one new option; the steep $175 annual fee is waived in the first year. From Barclaycard, two new chip and PIN cards are the Arrival Plus and the Hawaiian Airlines World Elite Mastercard , both carrying an $89 annual fee. USAA members can request a Chip and PIN version of the Platinum World Mastercard, which offers a 1 percent foreign transaction fee but no annual fee. JPMorgan Chase Bank has also offered a variety of smart chip cards to cardholders in recent years. Yet though the bank has recently added chip and signature capabilities to several new cards, a JPMorgan spokesman said by email that the bank has no current plans to introduce PIN-enabled smart cards. After lagging behind for so long, when will U.S. banks fully commit to joining the rest of the world on the practically unanimous migration to smart cards? While American Express and Wells Fargo are among a growing group of financial institutions that offer chip and signature cards by request, a looming deadline will soon mean that more banks must follow suit. By October 2015, banks and merchants will be required to adopt EMV technology or risk liability for fraud. Yet with no requirement for these cards to be PIN-enabled, renting a bike in Paris with your credit card may still prove more difficult than learning to correctly pronounce je voudrais louer un velo, s'il vous plait (I would like to rent a bicycle, please). -- By Sarah Chandler, Special to CNBC.com Follow Road Warrior on Twitter at @CNBCtravel .","Wells Fargo Cash Back College Visa Card VS Peebles Credit Card Wells Fargo Cash Back College Visa Card Peebles Credit Card Reviews 4  (2) Review Card 4  (2) Review Card About The Wells Fargo Cash Back College Visa Card is created for college students who want to build up or establish their c... Read more about Wells Fargo Cash Back College Visa Card The Peebles Credit Card is another card issued by Comenity Bank offering great benefits to its holders, including bon... Read more about Wells Fargo Cash Back College Visa Card Rewards Earn 3% cash rewards on gas, grocery, and drugstore net purchases for the first 6 months and 1% cash rewards on all other purchases. Cash rewards redeemed in $25 increments, and the choice to have them automatically deposited into your Wells Fargo Savings account. Free access to online credit education courses and tips to help you wisely manage your credit. You will receive a bonus of $10 for each $250 you spend and other bonuses for your birthday and Christmas. You can also benefit from extended shopping hours. Signup Bonus 3% cash rewards on gas, grocery, and drugstore net purchases for the first 6 months after opening an account. None Annual Fee None None Cash Advance APR 24.24% N/A Late Payment Fee Up to $37 Up to $37.00 Purchases APR 0.00% introductory APR for 6 months. After the first 6 months 11.40% to 21.40%, based on creditworthiness and variable upon Prime Rate. 25.24% variable according to the Prime Rate Make Another Comparison Related Content","Picking a credit card is a big decision, as you want to make sure you select a card that fits your lifestyle , credit rating and needs. If you're looking for a card that earns a flat cash back rate on all purchases, you may be considering either the Wells Fargo Cash Wise Visa Card or the Barclaycard CashForward World Mastercard . Since these two top-rated cash back credit cards have a lot of similarities, we decided to pit them in a head-to-head battle. Which unlimited cash back credit card is best? Keep reading to find out. Best intro bonus: Tied Both cards offer a generous $200 intro bonus opportunity . You'll earn the Wells Fargo Cash Wise Visa Card's $200 intro bonus when you spend $1,000 on purchases in the first 3 months, and you'll earn the Barclaycard CashForward World Mastercard's $200 intro bonus after spending $1,000 on purchases in the first 90 days. Even though both credit cards earn unlimited 1.5% cash rewards on every purchase , the Wells Fargo Cash Wise Visa Card has a slight edge because it also has special cash rewards for mobile wallet users. Those who use Android Pay or Apple Pay to make purchases will earn 1.8% cash rewards on qualifying mobile wallet purchases made during the first 12 months from account opening. The Barclaycard CashForward World Mastercard has the longest 0% intro APR, but it comes with some fine print. The card has a 15-month 0% intro APR on purchases and a 15-month 0% intro APR on balance transfers made within 45 days of account opening (with a 3% balance transfer fee). On the flip side, the Wells Fargo Cash Wise Visa Card offers a 12-month 0% intro APR on purchases and balance transfers (with a 3% intro balance transfer fee for 12 months, then it's 5%). As you can see, the Barclaycard CashForward World Mastercard is the better option for purchases and balance transfers because it has a longer 0% intro APR period, but if you don't think you can get the balance transfer completed within 45 days of account opening, you may want to go with the Wells Fargo Cash Wise Visa Card. Lowest annual fee: Tied Both the Wells Fargo Cash Wise Visa Card and the Barclaycard CashForward World Mastercard have no annual fee . Best added perks: Tied The Wells Fargo Cash Wise Visa Card and the Barclaycard CashForward World Mastercard both offer some great perks, that, frankly, can't be compared because they are so different, which is why they are tied in this category. The Barclaycard CashForward World Mastercard gives you a 5% cash rewards redemption bonus to use toward your next redemption every time you redeem your rewards. This means when you redeem $500 cash rewards, you'll get $25 cash rewards to use toward your next redemption. On top of that, this card provides you with free online access to your FICO credit score and alerts when your FICO score changes. On the flip side, the Wells Fargo Cash Wise Visa Card offers cell phone protection to cardholders who pay their cell phone bill with their Cash Wise Visa Card. This protection covers your phone from damage or theft (up to $600 per claim) . There is a $25 deductible per claim and a limit of 2 claims per year, but when you consider how much you'd pay to replace your phone through your cell phone provider, this is a really great feature. In addition, the Wells Fargo Cash Wise Visa Card also provides cardholders access to their FICO credit score . While the Barclaycard CashForward World Mastercard has a 5% cash rewards redemption bonus, as we noted in the previous section, which makes redeeming your rewards an extra treat, it does not offer the most redemption options. Cardholders can redeem their cash rewards (starting at $50) for a deposit into a U.S. checking or savings account, a statement credit or for gift cards. The Wells Fargo Cash Wise Visa Card, on the other hand, offers a handful of redemption options, but we should note that Wells Fargo customers have the most redemption flexibility. All cardholders can redeem (starting at $25) for a physical check, gift cards, merchandise or travel , while Wells Fargo banking customers can do all that and redeem their cash rewards by withdrawing from a Wells Fargo ATM (in increments of $20) or depositing their cash rewards into an eligible Wells Fargo account. This is almost too tight of a tight race to call, but only one card can be labeled as the best overall. Because it edged out the Barclaycard CashForward World Mastercard in the cash rewards and redemption options categories, the Wells Fargo Cash Wise Visa Card takes the title. That said, you can't really go wrong with either card because they both offer impressive intro bonuses, along with great rewards, long 0% intro APR periods and added perks. It should be noted that the Wells Fargo Cash Wise Visa Card requires a credit rating of good or better for approval, while the Barclaycard CashForward World Mastercard requires a credit rating of excellent for approval, which means the former is a better choice for someone with less-than-perfect credit. Read our Wells Fargo Cash Wise Visa Card review to learn more about the card, and visit our reviews of the best cash back credit cards to see how these two cards compare to other top names on the market. Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program. These responses are not provided or commissioned by the credit card issuer. Responses have not been reviewed, approved or otherwise endorsed by the credit card issuer. It is not the credit card issuer's responsibility to ensure all posts and/or questions are answered. About Author Julie Myhre-Nunes Julie Myhre-Nunes joined NextAdvisor.com in 2013 as a writer. Since then, she has worked her way up to her current role, Director of Content. Julie is responsible for overseeing the strategy, SEO and production of every piece of content that the company creates, including blog posts, reviews, the newsletter, social media and others. Since the beginning of her career at the Silicon Valley Business Journal, Julie's writing has been published by numerous nationally-recognized news websites, including USA Today, Business Insider, Wired Insights and American City Business Journals, among others. She is an alumna of San Jose State University, where she earned a B.S. in Journalism. Follow her on Twitter @JulieAdvisor.","One of the downsides to American Express Membership Rewards points is the inability to simply cash them out for a decent value. Sure, you can get a statement credit, but the value is a mere .60 cents per point, which clearly isn't worth it. You can also get an Amex gift card, but the value ... Continue reading \"The Schwab Amex Platinum Let's You Cash Out Your Points for 1.25 Cents Apiece\" Author Colin Robertson Posted on September 15, 2017 September 18, 2017 Categories Credit Help and Tips Leave a comment on The Schwab Amex Platinum Let's You Cash Out Your Points for 1.25 Cents Apiece Sometimes the right credit card isn't so obvious. Sometimes you think a card isn't for you, when in fact, it's the perfect fit. One example comes to mind...well, two or three if you count the multiple versions of the card. I'm referring to the Southwest credit cards from Chase, which currently offer 60,000 points if ... Continue reading \"Get $600+ in Amazon Gift Cards with the Southwest Credit Card\" Author Colin Robertson Posted on September 14, 2017 September 18, 2017 Categories Credit Help and Tips Leave a comment on Get $600+ in Amazon Gift Cards with the Southwest Credit Card My wife received a mailer today from Wells Fargo, which was pitching its newer \"Cash Wise Visa Card\" to her. So I decided to take a look at what this credit card offers and if it's worth applying for. My first thought was why anyone would accept a cash back rate of 1.5% when there ... Continue reading \"Wells Fargo Cash Wise Card Review: Is 1.5% Cash Back Good Enough?\" Author Colin Robertson Posted on September 6, 2017 September 18, 2017 Categories Credit Card Reviews Leave a comment on Wells Fargo Cash Wise Card Review: Is 1.5% Cash Back Good Enough? It appears Chase has added a new restriction to their growing list of credit card rules, this time limiting how many Chase Sapphire cards you can hold at any given time. Specifically, the card issuer is now limiting new applicants to one Chase Sapphire card total. In other words, if you already have Chase Sapphire ... Continue reading \"You Can Now Only Have One Chase Sapphire Credit Card at a Time\" Author Colin Robertson Posted on September 5, 2017 September 14, 2017 Categories Credit Help and Tips Leave a comment on You Can Now Only Have One Chase Sapphire Credit Card at a Time There's yet another 2% cash back credit card on the market, the latest being the \"PayPal Cashback MasterCard\" offered by PayPal and card issuer Synchrony Bank. This aligns it with the likes of Citi Double Cash and the Fidelity Visa, both of which earn two points per dollar spent on everything all year long. PayPal ... Continue reading \"PayPal Cashback MasterCard Offers 2% Cash Back on All Purchases\" Author Colin Robertson Posted on August 30, 2017 Categories Credit Card Reviews Leave a comment on PayPal Cashback MasterCard Offers 2% Cash Back on All Purchases Credit card Q&A: \"Should I keep Chase Sapphire Reserve?\" Now that the very popular and game-changing Chase Sapphire Reserve has been out for over a year, a lot of folks are pondering whether to keep it for another year or ditch it to the avoid the costly $450 annual fee. It's a good question, seeing ... Continue reading \"Should I Keep the Chase Sapphire Reserve Past Year One?\" Author Colin Robertson Posted on August 8, 2017 August 21, 2017 Categories Credit Help and Tips 2 Comments on Should I Keep the Chase Sapphire Reserve Past Year One? If you haven't noticed, the so-called luxury credit card scene is getting pretty busy. In just the past few months, we've seen the unveiling of both the UBS Visa Infinite and the U.S. Bank Altitude Reserve credit cards to compete with the widely popular Chase Sapphire Reserve card. We even saw American Express retool their ... Continue reading \"Bank of America Luxury Credit Card Now Available!\" Author Colin Robertson Posted on August 2, 2017 September 18, 2017 Categories Credit Card Reviews Leave a comment on Bank of America Luxury Credit Card Now Available! Credit card Q&A: \"When will the credit card sign-up bonus post to my account?\" These days, mega credit card sign-up bonuses are all the rage, but one question I get a lot is when the bonus points (or cash) will actually post to the account? It's a good question because I know folks are anxious ... Continue reading \"When Will the Credit Card Sign-Up Bonus Post to My Account?\" Author Colin Robertson Posted on August 1, 2017 September 1, 2017 Categories Credit Help and Tips Leave a comment on When Will the Credit Card Sign-Up Bonus Post to My Account? While the details are perhaps less than scant, it has been reported that a \"Lyft credit card\" is expected to be rolled out in the near future. The co-branded credit card will likely offer a rewards program and/or discounts on the popular ride-sharing app. It's unclear who the card issuer will be or which payment ... Continue reading \"Lyft Credit Card Coming Soon\" Author Colin Robertson Posted on July 31, 2017 August 1, 2017 Categories Credit News Leave a comment on Lyft Credit Card Coming Soon Big news today in the credit card world. The Citi Prestige card will soon have a 75,000-point sign-up bonus, which is a huge increase from the existing 40,000-point offer. This is according to insider info over at TPG. Additionally, Citi is making a slew of changes to align the card with other heavyweights, such as ... Continue reading \"Citi Prestige Increasing Sign-Up Bonus to 75,000 Points\" Author Colin Robertson Posted on July 17, 2017 Categories Credit News Leave a comment on Citi Prestige Increasing Sign-Up Bonus to 75,000 Points","Look no further than below for Best Credit Card Promotions ! You will find the best publicly available credit card signup bonus, offers, deals, and promotions. The best rewards credit cards for signup bonuses and category spend bonuses with spending requirements, points/miles worth, and full review. You'll find this exclusive credit card promotions list to be the absolute best to earn thousands of dollars in free points, miles, and cash! Don't forget to check our full list of Business credit card promotions ! Best Credit Card Promotions 2017: Barclaycard Arrival Plus(tm) World Elite MasterCard(r) is offering 50,000 Bonus Miles after spending at least $3,000 in purchases within 90 days. If you travel often and you want a card that will help you get to your next destination sooner, this card is for you. The card's flexibility, rewards rate and EMV capabilities make it the ultimate choice for travelers. With this card, you get 5% of your miles back to use toward your next redemption, every time you redeem for travel statement credits, and 2x miles on all purchases ! Apply Now -- Barclaycard Arrival Plus World Elite MasterCard Review Barclaycard CashForward TM World Mastercard(r) offers a $200 cashback bonus after you spend $1,000 in purchases in the first 90 days after account opening. You will have the ability to earn unlimited 1.5% cash rewards on every purchase. As an added bonus, every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption. Redeem your cash rewards for a deposit into your bank account, a statement credit, or gift cards. Apply Now -- Barclaycard CashForward World Mastercard Review Barclaycard JetBlue Plus Card gives you a chance to earn 30,000 bonus points today! All you need to do is make at least $1,000 in purchases within the first 90 days of account opening. One of the major benefits to this plus card is that you are able to earn 6x the points on JetBlue purchases. This card allows you a chance to double it's normal point earnings. You will also be able to receive a FREE first checked bag on JetBlue flights. In addition if you spend at restaurants and grocery stores you will earn 2x the points. For all other purchases you will earn 1x points. You can enjoy all these great benefits with a small annual fee of $99. Apply Now -- Barclaycard JetBlue Plus Card Review Barclaycard JetBlue Card offers 5,000 point bonus after you spend $1,000 in the first 90 days of account opening. You can earn points easily with their 3x the points for JetBlue purchases, 2x the points for restaurants and grocery stores, and 1x the points for everything else. Not only will you receive great point rewards, but this card has ZERO annual fee! Other perks include 50% savings on in-flight purchases, no foreign transaction fees, $0 fraud liability protection. Be sure to get your JetBlue card today! Apply Now -- Barclaycard JetBlue Card Review Wells Fargo Cash Wise Visa is offering a great sign up bonus of $200 bonus if you spend at least $1,000 within the first three months of card account opening. Once you receive this card you can earn unlimited 1.5% cash back on all purchases with no caps! On top of that, you'll receive 1.8% cash back on all Apple Pay & Android Pay purchases for the first twelve months and with no annual fee, it makes this card a wonderful daily credit card. In addition to the great features you will receive Cell Phone Protection insurance worth up to $600 with a $25 deductible. Learn More -- Wells Fargo Cash Wise Visa Review With the Wells Fargo Propel American Express (r) Card , you can earn 20,000 bonus points after spending $1,000 in the first 3 months. You will earn 3X points at U.S. Gas Stations, 2X points at U.S. Restaurants, and 1X point on all other net purchases. If you drive or dine out a lot, then you might want to check this card out! Learn More -- Wells Fargo Propel American Express Review Credit Cards Bonus/Worth Spending Requirement Annual Fee Review Chase Cards Chase Ritz Carlton Rewards Visa Infinite 2 Free Nights Stay $4,000 in 3 months $450 Review British Airways Visa Signature(r) Card 100K Avios $3,000 in 3 months + $10,000 in 12 months $20,000 in 12 months $95 Review Chase Ink Preferred Business (Targeted) 100K Bonus Points $5,000 in 3 months $95 Review Marriott Rewards(r) Premier Credit Card 80K Points + 7.5K $3,000 in 3 months + Add User $85 Review IHG Rewards Club Credit Card 80K Points + 5K AU + $50 Statement Credit $1,000 in 3 months + Add User + Complete First Purchase Intro $0 first year, then $49 Review IHG(r) Rewards Club Select Credit Card 80K Bonus Points + 5K AU $1,000 in 3 months + Add User Intro $0 first year, then $49 Review United MileagePlus(r) Explorer Card (Targeted) 70K Miles + 5000 Miles $3,000 in 3 months + add user (1 purchase) $95 Review Southwest Airlines(r) Rapid Rewards(r) Plus Card (Targeted) 60K Points $2,000 in 3 months $69 Review United MileagePlus(r) Explorer Card 50K Miles + 5K Miles $3,000 in 3 months + add user (1 purchase) $95 Review Sapphire Preferred(r) Card 50K Bonus Points + 5K $4,000 in 3 months + add user (1 purchase) Intro $0 first year, then $95 Review British Airways Visa Signature(r) Card 50K Avios $3,000 in 3 months $95 Review Chase Sapphire Reserve VISA Infinite 50K UR $4,000 in 3 months $450 Review Crystal Visa Infinite Card (In-Branch) 50K Points $5,000 in 3 months Intro $0 first year, then $400 Review Southwest Airlines(r) Rapid Rewards(r) Plus Card 40K Points $1,000 in 3 months $69 Review Southwest Airlines(r) Rapid Rewards(r) Premier Card 40K Points $1,000 in 3 months $99 Review Ink Cash(r) Business Credit Card $300 $3,000 in 3 months $0 Review Visa Signature(r) Flagship Rewards Credit Card 30K Bonus Points + $100 SC $3,000 in 3 months $49, first year waived Review AARP Credit Card from Chase $200 Cash $500 in 3 months $0 Review AARP Credit Card from Chase $200 Cash $500 in 3 months $0 Review Disney Premier Visa(r) Card $200 Statement Credit $500 in 3 months $49 Review Chase Freedom(r) Card $150+ $25 $500 in 3 months + add user (1 purchase) $0 Review Chase Freedom(r) Unlimited Card $150 + $25 $500 in 3 months + add user (1 purchase) $0 Review United MileagePlus(r) Club Card $100 statement credit Make one purchase $450 Review Citi Cards Citi(r) / AAdvantage(r) Executive World EliteTM MasterCard(r) 75K Miles $7,500 in 3 months $450 Review Citi Prestige(r) Card 75K points $7,500 in 3 months $450 Review CitiBusiness(r) / AAdvantage Platinum Select World Card 60K Miles $3,000 in 3 months $0 for 1st year, then $95 Review Citi(r) / AAdvantage(r) Platinum Select(r) MasterCard 60K Miles $3,000 in 3 months $0 for 1st year, then $95 Review CitiBusiness / AAdvantage Platinum Select Card 50K Points $3,000 in 3 months $0 Review Citi ThankYou(r) Premier Card 50K Points $4,000 in 3 months $0 for 1st year, then $95 Review Citi ThankYou(r) Premier Card 30K Points $3,000 in 3 months $0 for 1st year, then $95 Review Expedia(r)+ Voyager Card from Citi 25K Expedia+ points $2,000 in 3 months $95 Review CitiBusiness ThankYou Card (In-Branch) 20K Points $3,000 in 3 months $0 Review Citi ThankYou(r) Preferred Card 15K Points $1,000 in 3 months $0 Review Expedia(r)+ Card from Citi 15K Expedia+ points $1,000 in 3 months $0 Review AT&T Access More MasterCard(r) from Citi 10K Bonus $1,000 in 3 months $0 Review Citi ThankYou(r) Preferred Card for College Students 2,500 Points $500 in 3 months $0 Review Amex Cards Business Platinum Card from American Express (YMMV) 75K Membership Rewards(r) Points $5,000 in 3 months + $5,000 in 3 months $450 Review","Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review   Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening with the Barclaycard CashForward TM World MasterCard (r) . Earn unlimited 1.5% cash rewards on every purchase and there's no annual fee.  Full Review   CIT Bank is offering a great rate with their online Premier High Yield Savings account, which is available nationwide. You'll receive a 1.35% APY rate on balances up to $100,000 and a 1.30% APY rate on balances over $100,000.  This Savings account offers one of the best rates in the nation. Full Review","Wells Fargo credit cards , in our opinion, are some of the most reliable and practical credit cards on the market these days. Wells Fargo is one of the most user friendly banks in the U.S. and depending on which Wells Fargo card you choose, you can enjoy benefits like earning cash rewards or rewards points, finding unique travel experiences and exclusive offers on airline tickets, hotels and much more. Wells Fargo offer cards from Visa and American Express. And with select Wells Fargo credit cards, you can enjoy earning additional cash rewards on mobile net purchases made using Android Pay TM or Apple Pay (r) . Wells Fargo offers a great selection of cards from various categories to choose from, here at GET.com, we have a list of the best Wells Fargo cards in 2017 to suit different needs. GET.com's best Wells Fargo credit cards Best Cash Back Credit Card Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Cash Wise Visa (r) Card Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay (r) or Android Pay TM , during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa (r) Card 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% intro APR for 12 months on purchases and balance transfers 13.99%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Cash Wise Visa (r) Card or view more details of Wells Fargo Cash Wise Visa (r) Card . See more Wells Fargo credit cards . Wells Fargo Cash Wise Visa (r) Card lets you earn up to 1.5% cash rewards on all the purchases you make, as well as 1.8% cash rewards on Android Pay TM or Apple Pay (r) purchases made during the first 12 months from account opening. As a welcome offer, you can earn $200 cash rewards bonus after spending $1,000 within the first 3 months of account opening. After you earn these cash rewards, you can use Wells Fargo's new online tool to effortlessly track the cash back you've earned and see how you're progressing via the GoFarRewards.wf.com website. You may also want to review your cash rewards balance as it contains all the rewards you've earned for each billing cycle. Cash back can be redeemed through a Wells Fargo checking or savings account, applied as a credit to your qualifying Wells Fargo credit product or you can enjoy your cash rewards at Wells Fargo ATMs (in $20 increments). This card has a 0% intro APR for 12 months on purchases and balance transfers and a 13.99% - 25.99% variable APR thereafter (balance transfer fees apply). $0 annual fee. Read our review of Wells Fargo Cash Wise Visa (r) Card here. Best Rewards Credit Card Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Propel American Express (r) Card Earn 20,000 bonus points after spending $1,000 in the first 3 months Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far (r) Rewards Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express (r) Card Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% intro APR for 12 months on purchases and balance transfers 13.99%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Propel American Express (r) Card or view more details of Wells Fargo Propel American Express (r) Card . See more Wells Fargo credit cards . Wells Fargo Propel American Express (r) Card lets you earn 20,000 bonus points after you spend $1,000 in the first 3 months of being a cardholder! You can also earn 3X points every time you spend at U.S. gas stations, 2X points for every purchase made at U.S. restaurants and 1X point for every other purchase you make. There is no limit to the number of points you can earn. You can redeem your points starting at 2,500 points for a $25 gift card or send points as a gift to other Wells Fargo Rewards Program customers. Wells Fargo Rewards Program offers you the flexibility to redeem your rewards for a wide variety of options, from exotic travel to one-of-a-kind finds, this card lets you redeem your rewards however you want. If you prefer to redeem as cash, you can choose to make a deposit to your Wells Fargo Checking or Savings account (qualifying consumer), redeem it as a credit to your qualifying Wells Fargo credit product or redeem it as a check. Earn an annual bonus of 10% on all non-bonus rewards points as long as you have a consumer Wells Fargo checking or savings account (or PMA (r) package) that qualifies. This card has a 0% intro APR for 12 months on purchases and balance transfers and a 13.99% - 25.99% variable APR after that (balance transfer fees apply). This card has a $0 annual fee. Read our review of Wells Fargo Propel American Express (r) Card here. Best Card For Balance Transfers And Low Interest Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Platinum Visa (r) Card 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa (r) Card Free access to your FICO (r) Credit Score with Wells Fargo Online (r) Zero Liability protection for promptly reported unauthorized transactions Convenient tools to help create a budget and manage your spending with My Money Map $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% introductory APR for 18 months on purchases and balance transfers 16.15%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Platinum Visa (r) Card or view more details of Wells Fargo Platinum Visa (r) Card . See more Wells Fargo credit cards . Wells Fargo Platinum Visa (r) Card is great for those who want to enjoy a long 0% intro APR for 18 months on purchases and balance transfers, which is particularly useful if you're looking to pay off your debt interest-free. You can also transfer any balance you might have to Wells Fargo Platinum Visa (r) Card to avoid costly interest charges. After that, a standard 16.15% - 25.99% variable APR applies. This card is verified by Visa, so it's password protected to keep you safe from fraudulent activity while you shop online. As a Wells Fargo cardholder, you'll","Through an online only promotion, the  Wells Fargo Cash Wise Visa Card will earn you  $200 cash rewards bonus if you spend $1,000 in purchases within the first 3 months from account opening. If you want to find out more about this card offer, please continue to read below. 0% APR Balance Transfer Categories For this card, you are given a fair intro APR of 0% for 12 months for each balance transfer that is made within 45 days of account opening. After that, a variable APR will apply, 13.74%-25.74%, based on your creditworthiness. Also, there is an introductory balance transfer fee of 3% for 12 months, after that the fee is 5%. If you're carrying a balance on other high-APR cards you can save some money but transferring your balance over to this card. That makes it a decent option for those looking to finance a big purchase or pay down existing debt. But if you plan to carry a balance from month to month beyond that period, you're probably better off with a low-interest credit card. Editor's Note : For more credit cards that offer 0% APR on balance transfers, see our list of the Best 0% APR Balance Transfer Credit Cards . Wells Fargo Cash Wise Visa Card Features Online only promotion: $200 cash rewards bonus if you spend $1,000 in first 3 months from account opening Unlimited 1.5% cash rewards 1.8% cash rewards on Android Pay or Apple Paymobile wallet purchases during the first 12 months from account opening No category limitations or quarterly activations Extra rewards earning potential and deals at your favorite stores when you shop Wells Fargo's Earn More Mall Use the new online tool to set a cash redemption target and follow your cash rewards earnings progress via Cash Track at GoFarRewards.wf.com Cash rewards that don't expire while the account is open Low introductory APR No annual fee Apply Here Wells Fargo Cash Wise Visa(r) Card:  If the features of this card appeal to you, click this link to apply! Bonus Requirements For this offer, you are eligible to earn cash rewards bonus when you make $1,000 in purchases within the first 3 months from account opening. If you meet this requirement, you will receive $200 cash rewards bonus. Author's Verdict When you sign up online for a Wells Fargo Cash Wise Visa Card , you will be able to earn 1.5% cash back on all your purchases, along with 1.8% cash back for all purchases made with Android Pay or Apple Pay in the first twelve month span from account opening. Additionally, like other Wells Fargo credit cards, you will be offered a cell phone protection plan if you use your card to pay your cell phone bill. It comes with a maximum benefit limit of $600 per occurrence and a maximum of two claims per 12-month period. The cellular phone protection covers your primary line along with up to 3 other additional lines against stolen or damaged cell phones. There is a $25 deductible per claim though. Another perk of this card is it includes a program called Cash Track. It is an online tool that allows you to set a cash redemption target and enables you to monitor the progress. Along with that program, there is another one called the GoFar Rewards program that provides a variety of options for redeeming cash rewards. In conclusion, this card is a good fit if you're a high spender who shops or spends at numerous places. Many will also find it appealing because aside from the included phone insurance plan, the cash back percentage is higher than average too. Provide feedback in the comment section below by telling us your thoughts and experience with this card. Make sure to visit BankDealGuy to explore more credit card bonuses .","You are being redirected... Javascript is required. Please enable javascript before you are allowed to see this page.","The Barclaycard Arrival(tm) World MasterCard(r) card isn't missing much, but if you take a deeper look, you will find that the card doesn't offer an extended warranty on purchases. Additionally, if you're the type of person who appreciates exclusive events, you will also be missing out with this card as the World MasterCard(r) doesn't provide the same type of access to events like the Chase Sapphire or Visa Signature(r) cards.","Only you can determine which balance transfer credit card is your best option, but here is a list of questions to consider as you make your decision: What's your credit score? Take a look at your credit score before you start applying because some of the best balance transfer cards are only available to people with good or excellent credit. If you have good or excellent credit, consider Chase Slate(r). If you have poor credit, consider the Discover it(r) Secured Card - No Annual Fee. Where's your debt coming from? None of the credit cards on our list allow you to transfer debt from another credit card within the same issuing system -- Chase Slate(r) won't let you transfer debt from other Chase cards or from loans made by Chase and its affiliates; you can't transfer Citi debt onto the Citi Simplicity(r) Card - No Late Fees Ever. So take a look at your debt. If the majority of the balance you're carrying is on Discover cards, you don't want to apply for any of our Discover options, and so on and so on. Don't get stuck with a balance transfer credit card that you can't use to transfer balances. How much debt are you trying to pay down? We don't know what credit limit you'll get on your new balance transfer credit card, but if your outstanding debt is higher than your balance transfer card's credit limit, you're going to need to make more than one balance transfer to get everything paid off and to take advantage of the 0% intro APR period. Remember: Chase Slate(r) charges a 5% balance transfer fee for all balances transferred after the first 60 days, and all of the Citi and Discover cards on our list only allow you to transfer balances for the first four months after opening your account. How much of a monthly payment can you afford? Take a look at your household budget and figure how much money you can put aside every month to pay off your outstanding debts. Then see which balance transfer card allows you to fully pay off those debts, with the monthly payment you can afford, in the 0% intro APR period available. Some of us will be able to pay off our outstanding debts within a year. Others will be better off making smaller monthly payments and looking for balance transfer cards that offer 0% intro APRs for 15 months, like Chase Slate(r); 18 months, like the Discover it(r) 18 Month Balance Transfer Offer; or 21 months, like the Citi Simplicity(r) Card - No Late Fees Ever. Are you planning to also use this credit card for day-to-day purchases? If you're planning to use this card to make day-to-day purchases, consider one of the Discover it(r) cards so you can take advantage of the cashback rewards. Pay off your new purchases in full every month so you don't accumulate new debt. Are you planning to also use this credit card to finance a large purchase? If you are thinking about using a balance transfer card's 0% intro APR period to both transfer a balance and finance a new large purchase, such as an upcoming vacation, you wouldn't be the first person to make this decision. In that case, stay away from the Discover it(r) 18 Month Balance Transfer Offer card, because it only gives you a 0% intro APR on purchases for the first six months -- unless you know you can pay that large purchase off before the six-month period expires. Is your income variable? If you don't receive steady paychecks, consider a card like the Citi Simplicity(r) Card - No Late Fees Ever, which doesn't penalize you for late payments.","Credit card issuers continue to improve their offers to bring in new cardholders. The latest example is the Wells Fargo Cash Wise Visa(r) Card , which is boosting its sign-up bonus. Wells Fargo describes it this way: \"Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months.\" The new bonus, a $50 increase from before, matches the newly increased bonus on the Barclaycard CashForward(tm) World Mastercard(r), signaling a potential trend toward higher bonuses on cash-back cards. The Wells Fargo Cash Wise Visa(r) Card earns an unlimited 1.5% cash back on all purchases and has an annual fee of $0. New cardholders are also eligible for 1.8% cash back on digital wallet purchases made through Apple Pay or Android Pay for the first 12 months. As with some other cards with online malls , you can earn additional bonus cash back at retailers in the Wells Fargo Earn More Mall. The 1.5% cash-back rate is equal to that of several other cards, including the Chase Freedom Unlimited(r) and the Capital One(r) Quicksilver(r) Cash Rewards Credit Card , although those cards offer lower sign-up bonuses. The  Citi(r) Double Cash Card - 18 month BT offer pays a higher combined rate -- 1% cash back on purchases and another 1% when you pay them off -- but it offers no sign-up bonus. Ellen Cannon is a staff writer at NerdWallet, a personal finance website. Email: ecannon@nerdwallet.com . Twitter: @ellencannon .","Citi Diamond Preferred Card gives you 21 interest-free months to pay off purchases and balance transfers. That's the longest 0% introductory period available today. So if you find yourself thousands of dollars in credit card debt, this is a good option to help you start climbing out of that hole. Still, we think there are better -- cheaper -- options available for consumers who are confident they can pay off their credit card debt in 15 months or sooner. Review As with many other balance transfer credit cards, Citi Diamond Preferred is a bit skimpy when it comes to perks outside of the generous intro period. You'll get no sign-up bonus and no rewards. For someone looking to get out of debt that shouldn't matter much anyway. We love that Citi gives new cardholders nearly two years to pay off their debt, and the 3% balance transfer fee is on the low-end of what issuers typically charge. However, at least two other credit cards waive that transfer fee for a limited time for new cardholders. Depending on the size of the balance you want to transfer, that could save hundreds of dollars. Further, if you think you might occasionally pay your credit card bill late, (but you shouldn't) with the Citi Diamond Preferred you'll get dinged with a hefty penalty APR plus a late fee. If you're not so sure about making payments on time, consider the Citi Simplicity Card , which gives the same lengthy intro APR but doesn't have any late charges. Who should get this card Citi Diamond Preferred is really tailored to someone who needs quite a long time to pay down their credit card debt. The 15- or 18-month offers available today may be cheaper on paper, but not if you can't get rid of your debt during that time period. The go-to APR on the low end is a bit better than some other balance transfer credit cards, so if you need the extra cushion and you still might not pay down all of your debt then, having this card could help. Remember, though, the best interest rate available only goes to those with top credit. Fees and APR There is no annual fee. The balance transfer fee is 3% of the amount you transfer from another credit card. You'll pay a 3% foreign transaction fee on all purchases made outside of the United States. Enjoy a 0% introductory APR for 21 months on purchases and balance transfers when transfers are completed within four months of account opening. After that, your APR will be 13.99% to 23.99%, based on your creditworthiness. Extras and perks This card comes with Citi Private Pass perks, which offers presale access to events including concerts, sporting events and dining events. The card has Citi's Price Rewind feature, which can help refund the price difference if you made a purchase that can be found for less elsewhere. Anyone who is driven mad by endless voice prompt menus will love that you can just say \"representative\" to be connected to a live person. How this card compares Credit Needed Excellent Regular APR 0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.99% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. Annual Fee No Annual Fee. Balance Transfers Intro APR 0% Intro APR for the first 15 billing cycles that your Account is open. After that, 15.99% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate. There are other credit cards on the market offering longer terms like 18- and 21-month 0% APRs on balance transfers, but nearly all of them charge a 3% balance transfer fee. Where the Chase Slate stands out is the option to forgo a balance transfer fee if you make the transfer within the first 60 days of opening the account. Card Details The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness* There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater The same great rate for all balances, after the introductory period Save time when you call with fast, personal help, 24 hours a day - just say \"representative\" Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month If you have a great deal of credit card debt, you have a choice to make when it comes to balance transfer credit cards: Pick the one that on the surface offers the cheapest way to get out of debt, or pick the one that gives you the longest 0% APR introductory period possible. The Citi Simplicity Card falls into this second group. The BankAmericard Credit Card underwent a big makeover in May 2017, transforming this piece of plastic from drab to fab. The revamped card now is a top choice among balance transfer credit cards. It carries an introductory 0% percent APR for 15 billing cycles on purchases and balance transfers made within 60 days. Make a transfer during that time and you'll pay no balance transfer fee. That could save consumers hundreds of dollars over other balance transfer credit cards. EDITORIAL NOTE Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.","Disclaimer: CardsMix is an independent, advertising supported website. CardsMix receives compensation from some credit card issuers whose offers appear on our site. However, the results of our card comparisons, reviews and editorial content are based on objective analysis and focus on providing the users with trustworthy, accurate and unbiased information. Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are our editorial team alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.","The goal of this site is to come up with a method/plan/tool to maximize our potential. We are all too busy with work, family, friends, chores, society, politics ... we are so overwhelmed and stressed out and feel we don't have any time to do something that we need to do, or like to do or want to do .... But the problem is not so much of we don't have time, the problem is we don't make a plan for it. So starting with me, since i am the ultimate example of 'scatter-brain', i could come up with 20 ideas and didn't get to do any of it. So here we go. I would start with something that is simple and necessary. Clean the Kitchen and Main Bathroom - After dinner every day in 15 minutes. Problem: I usually wait until someone is visiting or can't stand it anymore before i clean the kitchen and the bathroom Plan: clean it daily after my dinner. wiped the kitchen floor, counter top, bathroom floor, counter top Time: estimate of 15 minutes Tool: There are quite a few apps available. I tried out about 15 apps and decided to use the simple and efficient app called 'Tally' by Treebetty. Initially I used Google Sheets to mark off each day, but it doesn't work quite well on the iphone, found this app, and will be trying out and see if it works better. Update: Review the app after using for a week. I downloaded this app because it's simple to use and give you a very clear pictures of the goal and the progress. Soon found out that you can only have THREE Goals for free, so i paid $3.99 for the pro version. So far it's working out ok, because the cleaning has become a habit, so i was doing it for the most part, but often forgot to check it off. so it doesn't really serve the purpose. As for piano and other goals, I am not keeping up which is not the fault of the app, it just me that is not being motivated enough. will try to do better to meet my goals, and will give another update next week. Learning Piano - I have been thinking about learning to play piano for a while since i do have a piano at home. Looks through some videos and found this series that are simple and easy to follow. I followed the first two lessons, and will give an update a week later and see if i have been keeping it up, or if the lessons are helpful. While I was visiting the piano learning web site, i saw a commercial called 'sellfy' which is a web site that allows you to sell digital products. So i give it a try and set up some fake products. and this is what it looks like. I don't think it's great, but it did only take couple minutes to set up the store. Not sure if Paypal store is that easy, it has been a while since i tried to set it up.","Illness and natural disasters disrupt 1 in 6 Americans' travel plans. But only 22% of those affected have travel insurance. And given that travel insurance packages typically inflate the cost of a trip by 4% to 8%, it's no surprise that most people are content rolling the dice. Fortunately, the solution might already be in your wallet. Credit card travel insurance can reimburse cardholders in the event of cancelled trips, missed connections, lost or delayed luggage, or even death. But coverage amounts and restrictions vary widely based on the type of card you have, the company that issues it and the card network it's affiliated with. So you don't want to exclusively rely on plastic before looking into the details of your policy. With that in mind, WalletHub compared the travel insurance coverage offered by 92 credit cards from the 10 largest issuers. Below, you can check out our findings as well as the methodology we used to rate each card. You can also check out our editors' picks for the best overall travel credit cards . Some of the cards listed on this page originate from our partners, but that did not impact our conclusions. Offers are accurate as of Jun 12, 2017 and many are likely to have changed since. Key Findings 2017's Best Credit Cards with Travel Insurance Market snapshot: 93% of cards offer travel accident insurance, providing an average of $416K in coverage. 36% of cards offer lost luggage insurance, with an average of $2.6K in coverage. 25% of cards offer delayed luggage insurance, with an average of $305 in coverage. 32% of cards offer trip cancellation insurance, providing an average of $3.2K in coverage. 6% of cards offer travel delay insurance, providing an average of $500 in coverage. 2017's Best Business Credit Cards with Travel Insurance Type Of Insurance Best Card(s) Coverage Details WalletHub Score Travel Accident Chase Ink Business Preferred $500K in coverage offered 91.50% Lost Luggage & Delayed Luggage Chase Ink Business Preferred Lost Luggage: $3K in coverage Delayed Luggage: $500 in coverage per trip 91.50% Trip Delay / Cancellation Chase Ink Business Preferred Trip Cancellation: $5K in coverage per trip Trip Delay: $500 in coverage per ticket 91.50% Best Overall Chase Ink Business Preferred Travel Accident: $500K in coverage offered Lost Luggage: $3K in coverage Delayed Luggage: $500 in coverage per trip Trip Cancellation: $5K in coverage per trip Trip Delay: $500 in coverage per ticket 91.50% Market snapshot: 87% of cards offer travel accident insurance, providing an average of $265K in coverage. 65% of cards offer lost luggage insurance, with an average of $2.5K in coverage. 13% of cards offer delayed luggage insurance, with an average of $360 in coverage. 9% of cards offer trip cancellation insurance, providing an average of $3.2K in coverage. 9% of cards offer travel delay insurance, providing an average of $500 in coverage. The Coverage You Can Expect Example Of An Average Policy Best Policy Sign Up No sign up or product registration required Travel Accident Insurance $100,000 for death and dismemberment. If primary cardholder and authorized users, spouse / domestic partner are killed in a common carrier accident while traveling -- or lose a limb, sight, speech or hearing -- the benefit may offer some financial assistance. $500,000 for death and dismemberment. If primary cardholder and authorized users, spouse / domestic partner, dependent children (under 24), legal guardians or wards, siblings or siblings-in-law, parents or parents-in-law, grandparents or grandchildren, aunts or uncles, nieces or nephews are killed in a common carrier accident while traveling or during your vacation -- or lose a limb, sight, speech or hearing -- the benefit may offer some financial assistance. Luggage Insurance $1,750 for lost luggage and $0 for delayed luggage. If your checked or carry-on luggage is permanently lost, stolen or damaged by the common carrier, benefit may refund the purchase price of the missing items or the cost to repair the damaged items. $3,000 for lost luggage and $500 for delayed luggage. If your checked or carry-on luggage is permanently lost, stolen or damaged by the common carrier, the benefit may refund the purchase price of the missing items or the cost to repair the damaged items. If your checked baggage is delayed on a trip, the benefit may reimburse the cost of necessary personal and business items until your baggage arrives. Extra Travel Insurance None Up to $10,000 per trip if your trip gets canceled or cut short. Up to $500 if your trip is delayed by 12+ hours. If your trip is cancelled or interrupted because of personal matters, illness, travel related or weather, you may be reimbursed for the cost. Travel Emergency Assistance Help with lost/stolen luggage and travel documents. Referrals to local physicians, attorneys, embassies and cash advance services. Claims Process Submit Proof of Loss, which must describe both the Accident and the Injury, and the extent and type of loss (medical records, and death certificate, proof of payment method for the Common Carrier). Example Card Offering This Type of Policy AmEx Green Card Chase Sapphire Preferred Back to Top Detailed Findings Personal Cards Business Cards Back to Top Methodology Wallethub reviewed the online travel benefits policies for all of the credit cards available via the websites of the 10 largest credit card issuers by purchase volume, excluding student and co-branded cards. We evaluated each offer in three overall categories, using the corresponding weights to obtain overall scores: Travel Accident Insurance (35%); Luggage Insurance (35%); Eligibility Cost & Extra Coverage (30%). These categories are comprised of 12 individual metrics, descriptions of which you can find below. For cards featuring multiple policies, we evaluated their average coverage details. Where policies were incomplete or unclear, we contacted the issuers directly and requested clarification. All issuers responded to our questions and either confirmed the accuracy of our data or provided corrections. The maximum score attainable for a card in this report is 100%. Travel Accident Insurance 1. What is Covered? - Worth 50% A) Death and Dismemberment - Worth 25% B) Modes of Travel Included - Worth 15% *Scores for this metric are cumulative, as more than one option may be available C) Coverage Duration - Worth 10% Entire trip, from departure to return - door to door = 10% Departure to arrival in destination (both ways), plus auxiliary transportation (i.e. taxi, bus, train, etc.) = 6% Departure to arrival in destination (both ways)= 5% Length of stay at designated destination = 5% No benefit offered = No points (where applicable) 2. Amount Offered for Death / Accident Coverage - Worth 50% If the benefit amount is $300,000+ = 50% If the benefit amount is $200,000 - $299,999 = 45% If the benefit amount is $100,000 - $199,000 = 40% If the benefit amount is $0 - $99,999 = 25% points If there is no benefit offered = No points (where applicable) Luggage Insurance 1. What type of luggage does it cover? - Worth 15% 2. Amount of coverage for delayed luggage - Worth 35% *Scores for this metric are averages across all travel related benefits, as coverage may differ between benefits of the same card 3. Amount of coverage for lost luggage - Worth 40% 4. Offers hotel burglary coverage? - Worth 10% Eligibility, Cost & Extra Coverage 1. Who is covered? - Worth 25% 2. Is additional travel insurance","Wells Fargo Cash Wise Visa (r) Card is a credit card that gives you high flat-rate cash back on all your purchases. With this card, Wells Fargo offers an alternative to other cash back cards. If you are looking for a solid cash back credit card with no annual fee that lets you earn unlimited cash back, read our Wells Fargo Cash Wise Visa (r) Card review to see what it offers and how Wells Fargo Cash Wise Visa (r) Card compares to other top cash back credit cards. Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Cash Wise Visa (r) Card Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay (r) or Android Pay TM , during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa (r) Card 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% intro APR for 12 months on purchases and balance transfers 13.99%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Cash Wise Visa (r) Card or view more details of Wells Fargo Cash Wise Visa (r) Card . See more Wells Fargo credit cards . Things We Like About Wells Fargo Cash Wise Visa (r) Card Earn $200 cash rewards bonus after spending $1,000 in the first 3 months. This welcome offer is a great start to earning cash rewards, spending $1,000 is easy to achieve over 3 months just by making everyday purchases. You earn unlimited 1.5% cash rewards on purchases . If you prefer earning a flat rate of cash back on all the purchases you charge to your card then this card could work well for you. All the purchases you make earn 1.5% cash rewards with no limit on the amount of rewards you can earn and rewards don't expire as long as your account remains open. You get an Android Pay(tm) and Apple Pay (r) bonus for the first 12 months . This benefit sets this card apart from similar cash back credit cards, and makes it a good choice if using Apple Pay (r) or Android Pay(tm) is your thing. You earn an extra bonus above the 1.5% base rate on purchases, so you get a total of 1.8% cash rewards during the first 12 months from the date on which your account is opened. You don't pay an annual fee . This card has a $0 annual fee, which is a plus because the cash back you earn is pure savings. It's a good card for balance transfers . If you have credit card debt and don't want to waste more money on interest charges, you can transfer your balance to this card in order to benefit from the balance transfer intro offer. This card has a 0% intro APR for 12 months on purchases and balance transfers, after which a 13.99% - 25.99% variable APR applies. You benefit from an introductory low APR period on purchases . The introductory APR period (0% intro APR for 12 months on purchases and balance transfers with a 13.99% - 25.99% variable APR after that; balance transfer fees apply) is also useful if you need credit which you can pay off over a long period without paying interest. For example, if you want to buy a used car and have a large enough line of credit to make the purchase, you can pay that purchase off during the introductory low APR period and enjoy an interest-free auto loan, so to speak. Just note that cash advances do not benefit from this perk. Only purchases charged directly to your card are eligible. Cash rewards can be redeemed in different ways . Your cash rewards can be redeemed as a statement credit, towards an eligible Wells Fargo mortgage or loan payments, gift cards, merchandise and travel. If you bank with Wells Fargo, you can redeem them directly into your Wells Fargo checking or savings account or redeem them via a cash withdrawal at a Wells Fargo ATM (debit or ATM card required for ATM redemption). Complimentary cellular phone protection is another plus for smartphone buffs. If you use this card to pay your monthly phone bills, you automatically benefit from protection against theft or accidental damages. You can claim up to $600 of coverage towards the cost of replacing your stolen or severely damaged phone, although you will have to cover $25 of your claim as an out-of-pocket deductible. Most mobile phone service providers offer the option of paying bills via credit card, at least when you set up a recurring payment. The cash back you earn is another good reason to pay your phone bills with this card. Track your cash rewards . The Cash Track service lets you set up a target amount for cash rewards. Your rewards will then be redeemed when you reach that target. This can help make your life easier by redeeming your cash back for you when a certain amount is reached. Get flexible alerts . When you use this card, you can choose to receive alerts (as text messages or emails) when different events occur. Although other cards offer alerts, this card lets you choose when you receive alerts. For example, you can choose to receive alerts when a purchase is made online, to safeguard yourself against fraudulent card-not-present transactions. Or perhaps you also want to receive alerts when a purchase exceeds a preset limit you choose. The many flexible options mean that you can choose to get only the alerts that really matter to you. There is a credit insurance option . In case you are wondering what that means, credit insurance will pay out a benefit to cover your minimum credit card payment or 4% of the new balance (whichever is larger) for up to 12 months, if you become unemployed due to being hospitalized, becoming disabled or involuntarily losing your employment for several other covered reasons. If you die, your entire balance will be covered. You will have to apply for this benefit at a Wells Fargo branch and you will pay a premium equal to 39 cents of each $100 of transactions shown on your card statement. Terms and conditions apply, so read the policy details before signing up for this optional coverage. Overdraft protection option . If you have a Wells Fargo checking account, you can link your account to this card so that overdrafts are automatically covered by your credit card. This can help you avoid overdraft fees, but it's important to note that payments towards overdrafts come at a price. You pay $12.50 if for total daily overdraft protection advances of $50 or less and $20 if total overdraft protection advances for the day are over $50. Still, considering that Wells Fargo checking account overdraft fees can be much higher than that amount, getting this protection is a good idea as long as you repay the cash advance quickly to avoid excessive interest charges. Visa benefits . This card comes with a number of benefits from Visa, including auto rental collision damage waiver, a pay-per-use roadside assistance program (Roadside Dispatch (r) ), travel and emergency assistance services and worldwide automatic travel accident insurance. Our Least Favorite Things About Wells Fargo Cash Wise Visa (r) Card There's a foreign transaction fee . If you travel outside of the US a lot, this","We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences. + Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. Ad Disclosure : Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer's details page using the designation \"Sponsored\", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.","Skip to content Unlimited Cash Back Credit Card Unlimited cash back credit card top cards check out silver ios appunlimited cashback no cap and minimum spend enjoy on all eligible spends find more sc com unlimitedcashback sgchase review look at the chase cardcash snapchat. Stevebomm instagram steve bomm in this episode explain how even small numbers can lead to wealth if you something that works likeciti pays me use their double financial friday discuss getting by using my citi our support channel. Link when youciti ei examines cardtravel hack covers opinion like capitalone venture barclay arrival plus world elite quicksilver creditmake dollars applying for freedom within months receive from did it worksbest free highest. Email invitation mina irfan3 gmail is best your purchases click show morehow maximize 5x bonus q2 blog posthow q1 dont have car or not near gas station heres categories referral linkusaa limitless rewards visa signature information. 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Approved music eclipse lights jim yosef ncs soundcloud subscribemilk barclays cashforward most got about redeem sign only spending also.","What is a cash-back credit card? Cash-back credit cards allow you to earn back a percentage of what you spend just for using your card. Want a card that offers cash as a perk for your everyday spending habits? Cash-back cards from our partners rebate a percentage of your daily purchases, offering a great way to keep more money in your wallet. Get cash back each time you swipe your card and maximize your savings. Who should get one? The large majority of these cards are designed for and offered to those with good to excellent credit. If your credit could use some work, you may not qualify for one of these cards. Cash-back cards are best for disciplined spenders who consistently pay off their credit card balance each month. Doing so can maximize the benefits of this type of card, boosting savings on budgeted expenses. Otherwise, interest charges incurred on a balance can eat into the rewards earned on your spending habits. These cards can also be beneficial to those who frequently spend money on specific items like gas or groceries. Show More What are some pros and cons? Some cash-back credit cards give you the ability to earn up to 5 percent cash back in specific categories. Many even offer sign-up bonuses. As a positive, using one of these cards can cut back the bill for your regular monthly spending, helping to make extra room in your budget. But because they come with higher interest rates, they aren't ideal cards if you frequently carry a balance. Tips on cash back cards Apply for a card that offers rewards for items you frequently purchase. Each credit card company offers different rewards, and some have larger cash-back perks for spending in specific categories. It's important to apply for the card that best suits your lifestyle or the card may not be as beneficial. In addition to comparing cards by rewards, compare interest rates, cash-back percentages and bonuses offered. And make sure to pay off your balance each month so as to not negate the rewards you've earned. Find the best cash-back cards for your lifestyle by using our extensive list of offers to compare terms, fees and introductory APRs. Show More","Cash back credit cards are one of the most well-loved types of rewards credit cards in the United States. It really pays to have a good to excellent credit score as banks scramble to get this group of consumers as their customers. How do banks attract potential customers? By dishing out lucrative offers, of course! If you are on the lookout for a credit card that offers a slew of fantastic cash back earning perks minus the hefty annual fees that some other cards come with, consider Wells Fargo Cash Wise Visa (r) Card, a Wells Fargo credit card that has got a lot of good benefits and perks. Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Cash Wise Visa (r) Card Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay (r) or Android Pay TM , during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa (r) Card 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% intro APR for 12 months on purchases and balance transfers 13.99%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Cash Wise Visa (r) Card or view more details of Wells Fargo Cash Wise Visa (r) Card . See more Wells Fargo credit cards . Here, GET.com provides answers to key questions about how Wells Fargo Cash Wise Visa (r) Card works and what it offers. Apply for Wells Fargo Cash Wise Visa (r) Card at the official Wells Fargo website Question : Do I really get a $200 cash rewards bonus if I get this card? Answer : Wells Fargo Cash Wise Visa (r) Card is one of the most generous cards out there when it comes to welcome bonuses. You get to earn a $200 cash rewards bonus when you use your new Wells Fargo Cash Wise Visa (r) Card to make at least $1,000 in net purchases (i.e. purchases minus returns/credits) within the first 3 months of account opening. Question : How much cash rewards do I get by using this card? Answer : When you use your Wells Fargo Cash Wise Visa (r) Card, you will enjoy unlimited 1.5% cash rewards on practically every purchase you make. It is incredibly straightforward since no quarterly activations or category limitations are required. For every dollar in net purchases (i.e. purchases minus returns/credits) that you pay for using your card, you will earn 1.5% cash rewards, rounded to the nearest 1 cent. Keep in mind that no cash rewards will be awarded retroactively as cash rewards accrual only start upon the date you open your credit card account. Question : Are there ways to earn additional cash rewards? Answer : The answer is yes if you are someone who uses mobile wallets to pay for your purchases. You can earn 1.8% cash rewards on your Apple Pay (r) or Android Pay(tm) mobile wallet purchases during the first 12 months from account opening when you use your Wells Fargo Cash Wise Visa (r) Card to pay for such transactions. Question : What can I redeem my cash rewards for? Answer : While the term 'cash rewards' may suggest that you can get cold hard cash back from Wells Fargo Cash Wise Visa (r) Card, rewards can be redeemed for a lot more than cash. You can redeem your cash rewards for anything from cash, travel and merchandise to electronic gift cards, digital rewards and charitable donations. Keep in mind that for cash redemption options via online or phone, you can redeem only in increments of $25 whereas for cash redemptions via a Wells Fargo ATM withdrawal, you can redeem only in $20 increments. Question : Do my cash rewards expire? Answer : No. The cash rewards that you earn from using Wells Fargo Cash Wise Visa (r) Card do not expire so long as your account is open and in good standing. Note that your cash rewards will not be available for redemption, gifting or transfer if your credit card account becomes delinquent (i.e. you fail to make a required payment when it is due). Question : Is this a good card for making everyday purchases? Answer : Yes. This card no only rewards you with 1.5 points per $1 spent on purchases, it also has a 0% intro APR for 12 months on purchases and balance transfers which will help you save on interest if you pay off your balance within the intro period. After that, there is a 13.99% - 25.99% variable APR, based on your creditworthiness. Question : Is this a good card to transfer my balance to? Answer : Yes. Wells Fargo Cash Wise Visa (r) Card can help you beat your credit card debt with its intro APR offer: 0% intro APR for 12 months on purchases and balance transfers, 13.99% - 25.99% variable APR thereafter. Just make sure that you pay off your balance in full before the intro APR period ends. There is an introductory balance transfer fee of either $5 or 3% (whichever is greater) of the amount of each balance transferred, for 12 months. After that, the balance transfer fee will be up to 5% of the amount of each balance transferred, with a minimum of $5. Question : Do I get any special benefits from this card? Answer : Not only does Wells Fargo Cash Wise Visa (r) Card offer you a fuss-free way to earn rewards, it also comes with up to $600 of cell phone protection, subject to a $25 deductible per claim and a maximum of two claims per 12-month period. You will be offered this bonus protection against theft or covered damage so long as you pay your monthly cell phone bill using your Wells Fargo Cash Wise Visa (r) Card. Keep in mind that the maximum benefit is capped at $600 per occurrence and $1,200 per 12 month period. Also, this perk does not cover cell phones that are lost, borrowed, rented or received as part of a prepaid plan. Question : Do I pay to use this credit card? Answer : Wells Fargo Cash Wise Visa (r) Card has $0 annual fee. All cash rewards that you earn from using the card when paying for purchases equal pure savings. This certainly ups the card's appeal. Question : Is this a good card for international spending? Answer : No. Although Wells Fargo Cash Wise Visa (r) Card comes with chip technology for better protection against fraud when used at a chip-enabled terminal anywhere in the world, there is a 3% foreign transaction fee imposed on transactions that are in currencies other than the U.S. dollar. Wells Fargo Cash Wise Visa (r) Card is not a card you should take with you when you travel outside of the United States, nor is it a card you should reach for when you shop online at international stores and pay in foreign currencies. Question : Is there a penalty if I pay late? Answer : Yes. You will pay a late fee of up to $37 if you make a late payment on this card, so be sure to pay off your balance in full by the end of the due date each month. Question : Is this a good card to get cash out at ATMs? Answer : No. This card has a high cash advance fee, so it's not the best choice of a card to use to get cash out from ATMs. The APR for cash advances and overdraft protection advances for Wells Fargo Cash Wise Visa (r) Card is 24.99% to 26.99% variable APR, based on your creditworthiness. There is","Are Cashback Cards Getting Back to Basics? March 3, 2017 When you think about it, the whole point of a cashback rewards card is simplicity: no points or miles to track, no catalogs to peruse, no blackout dates to consider. You spend on the card, and you get a percentage back as cold, hard cash (a.k.a. a statement credit). And yet, for years, we have watched issuers try to reinvent or evolve the cashback space with different offerings. For example: Rotating category bonuses / Discover, one of the leaders in the cashback space, focuses most of its card marketing on Discover it , which gives cardholders 5% back on spend categories that rotate quarterly (right now it's for gas stations, ground transportation and wholesale club purchases) and 1% on all other purchases. Chase Freedom offers 5% back on rotating categories (currently gas and transportation), as well, and promotes it with strong product positioning : \"The card is for the essentials, the cashback is for the fun.\" Not to be outdone, U.S. Bank's Cash+ card follows this rotating category bonus approach; it has both 5% and 2% bonuses, and cardholders pick the categories each quarter. Tiered earn / Some issuers take a similar approach, but skip the rotating categories. Bank of America offers the BankAmericard Cash Rewards card with 1% back on all purchases, 2% for grocery stores and wholesale clubs and 3% on gas. The American Express Blue Cash Everyday card offers 3% back at supermarkets, 2% back at gas stations and \"select\" department stores and 1% on everything else. The outlier / Of course, we can't overlook the Citi Double Cash card, which gives cardholders 1% back when they use the card and another 1% back when they pay off purchases. Citi launched this card in 2014, and so far, no other issuer has attempted to replicate this value prop. Citi clearly ties the product name to its unique earn structure. What's the point of these different approaches to cash back? They help issuers position their products in ways that set them apart. Rotating categories offer \"choice\" and put the customer in control. Fixed bonuses award spend on \"everyday purchases,\" offering an alternative to debit cards: you're going to buy gas anyway, why not get something out of it? But there is a catch, most of these bonus categories come with an earning cap, and once you hit that, there is no more bonus. So, in addition to tracking spend categories, cardholders may also need to track how much they spend to know how much they will earn. So much for simplicity. Or maybe not. Recently, we've taken note of several cashback cards that seem to be re-embracing the simple approach. These generally have a flat earn, but importantly remove the cap. Here are a few that seem to be getting back to basics: Chase has evolved its product offering, and it now promotes the Freedom Unlimited credit card as its lead cashback card. It also offers 1.5% back with no cap. Here's an interesting line of copy from its landing page: \"Earn unlimited 1.5% cash back on every purchase - it's automatic.\" (You don't have to pick a category.) U.S. Bank also offers another cashback card, the Cash 365 American Express card, which comes with the same unlimited 1.5% back on all purchases. The headline on the card landing page reads, \"It's simple. Your purchases equal cash back.\" And a recent DM package leads with the idea of \"unlimited\" earn. USAA offers the Limitless Cashback Rewards Visa Signature card with 2.5% back. There is a \"catch\" here, but it's not a cap (the card is called \"limitless\" after all). Cardholders need to maintain a $1,000 direct deposit in a USAA checking account. Since USAA targets its current members with product offerings, this cross-sell play could work better for this brand than it might for other issuers. There are two earn options for this card, but they are different offers, not tiers. With the first offer, cardholders get 1.5% back on all purchases. With the second, customers who have a PenFed checking account or are former members of the military get 2% back. The credit union leads with the idea of cash back on \"Everything. Everywhere.\" However, the first supporting benefit listed is \"Rewards are unlimited!\" Complex and distinct vs. simple and straightforward Almost every issuer offers a cashback card, so this is a very crowded product space. It's not surprising to see tension between two main approaches: vs. What's interesting for us as marketers is that the more recently launched products seem to be of the latter - flat earns with no caps. This suggests that issuers are trying to respond to consumer insights about cashback cards and pulling back from the tiered earn. In our experience, it's generally true that simpler is better, especially with cashback cards. Complex value propositions can feel like work to consumers, and while financial marketers understand how they work, consumers generally crave a straightforward approach they don't have to think about.","Advertiser Disclosure: The credit card offers that appear on AwardWallet are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on AwardWallet (including, for example, the order in which they appear). AwardWallet does not include all credit card companies or all available credit card offers. Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.","Skip to Content","The following US credit cards are some of the most popular cards for a reason. Check out the great benefits offered by each card. Some give rewards, others will save you money by transferring your higher interest rate balances. This is not meant to be a comprehensive list or a list of the top 10 credit cards. This list may change or be updated as other US credit cards become available that we feel should be included on this page. If you are looking for credit cards that are available outside of the US, then you can click on any of the following countries. The Chase Freedom Unlimited Visa card is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the Chase Freedom Unlimited Visa card: unlimited cash back, low introductory interest rate, and no annual fee. Currently, there is a $150 cash back bonus offer for customers signing up directly online for the Chase Freedom Unlimited Visa. Simply click on the card graphic to be transported to the secure, official Chase page for full details regarding the current offer and the required legal disclosures (terms and conditions) of this specific card product. The Chase Freedom Unlimited Visa card is rated with 5 Stars* for overall value including pricing, rewards, availability, acceptance, service and feedback. The Chase Freedom Unlimited Visa card is issued by JPM Chase with approximately 82 million cardholders in the U.S.* for all of its credit card products. CardTrak.com does not earn commissions for referring consumers to the Chase Freedom Unlimited Visa card or any credit card cited, listed, ranked, promoted or otherwise mentioned on its website, whether by charts or editorially. CardTrak.com is an independent, third-party and has no partnership or advertising relationship with JPM Chase. The BankAmericard Cash Rewards(tm) Visa card is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the BankAmericard Cash Rewards(tm) Visa card: cashback, low introductory interest rate, and no annual fee. Currently, there is a $100 cash back bonus offer for customers signing up directly online for the BankAmericard Cash Rewards Visa card. Simply click on the card graphic to be transported to the secure, official Bank of America page for full details regarding the current offer and the required legal disclosures (terms and conditions) of this specific card product. The BankAmericard Cash Rewards Visa card is rated with 5 Stars* for overall value including pricing, rewards, availability, acceptance, service and feedback. The BankAmericard Cash Rewards(tm) Visa card is issued by Bank of America(r) (BofA) with approximately 45 million cardholders in the U.S.* for all of its credit card products. CardTrak.com does not earn commissions for referring consumers to the BankAmericard Cash Rewards(tm) Visa card or any credit card cited, listed, ranked, promoted or otherwise mentioned on its website, whether by charts or editorially. CardTrak.com is an independent, third-party and has no partnership or advertising relationship with BofA. The Discover it card is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the Discover it card : cashback, low introductory interest rate, and no annual fee. Currently, there is a first year cash back matching bonus offer for customers signing up directly online for the Discover it card. Simply click on the card graphic to be transported to the secure, official Discover page for full details regarding the current offer and the required legal disclosures (terms and conditions) of this specific card product. The Discover it card is rated with 5 Stars* for overall value including pricing, rewards, availability, acceptance, service and feedback. The Discover it card is issued by Discover Financial Services (DFS) with approximately 60 million cardholders in the U.S.* for all of its credit card products. CardTrak.com does not earn commissions for referring consumers to the Discover it card or any credit card cited, listed, ranked, promoted or otherwise mentioned on its website, whether by charts or editorially. CardTrak.com is an independent, third-party and has no partnership or advertising relationship with DFS. The Capital One Venture MasterCard is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the Capital One Venture Mastercard : unlimited miles, low interest rate, and no foreign transaction fees. Currently, there is a first year 40,000 Bonus Miles and first year annual fee waiver offer for customers signing up directly online for the Capital One Venture Mastercard. Simply click on the card graphic to be transported to the secure, official Capital One page for full details regarding the current offer and the required legal disclosures (terms and conditions) of this specific card product. The Capital One Venture card is rated with 5 Stars* for overall value including pricing, rewards, availability, acceptance, service and feedback. The Capital One Venture MasterCard is issued by Capital One Financial (COF) with approximately 83 million cardholders in the U.S.* for all of its credit card products. CardTrak.com does not earn commissions for referring consumers to the Capital One Venture MasterCard or any credit card cited, listed, ranked, promoted or otherwise mentioned on its website, whether by charts or editorially. CardTrak.com is an independent, third-party and has no partnership or advertising relationship with COF. The Barclaycard CashForward World MasterCard is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the Barclaycard CashForward World MasterCard : unlimited cashback, low introductory interest rate, and no annual fee. Currently, there is a $100 cash back rewards bonus offer for customers signing up directly online for the Barclaycard CashForward World Mastercard. Simply click on the card graphic to be transported to the secure, official Barclaycard page for full details regarding the current offer and the required legal disclosures (terms and conditions) of this specific card product. The Barclaycard CashForward World Mastercard is rated with 5 Stars* for overall value including pricing, rewards, availability, acceptance, service and feedback. The Barclaycard CashForward World Mastercard is issued by Barclaycard Bank with approximately 15 million cardholders in the U.S.* for all of its credit card products. CardTrak.com does not earn commissions for referring consumers to the Barclaycard CashForward World Mastercard or any credit card cited, listed, ranked, promoted or otherwise mentioned on its website, whether by charts or editorially. CardTrak.com is an independent, third-party and has no partnership or advertising relationship with Barclaycard Bank. The American Express Blue Cash Preferred card is one of the most popular general purpose credit cards in the U.S., based on cards-in-force*. The main features of the American Express Blue Cash Preferred card: cash back, and a low introductory interest rate. Currently, there is a $150 cash back first year bonus offer, a $200 amazon.com cash back offer and a first year annual fee waiver for customers signing up directly online for the American Express Blue Cash Preferred card. Simply click on the card graphic to be transported to the secure, official","*For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself. + Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which Credit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.","Mastercard is accepted nearly everywhere that takes credit cards. Whether you're looking for a prepaid debit card or a card with rewards, you will be able to find a Mastercard that fits your lifestyle. MasterCard Credit Card Promotions This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the advertiser's affiliate programs. Think a MasterCard is right for you? Whether you're looking for great rewards, low interest rates, airline miles, or just a card to help build or rebuild your credit, MasterCard has one tailored for your needs. Here's a look at the best MasterCard credit cards from our partners available: MasterCard for Cash Back : Barclaycard CashForward World MasterCard Barclaycard CashForward offers a $200 cash rewards bonus if you spend $1,000 on purchases within the first 90 days of opening your new account. This card earns an unlimited 1.5% cash rewards on every purchase. Plus, every time you redeem, you get a 5% cash rewards redemption bonus to use toward your next redemption. You can redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit, or gift cards. Redemptions start at $50. The cash rewards do not expire as long as you keep your account open, active, and in good standing. There is no annual fee. There is a 0% intro APR for the first 15 months on purchases. Plus, there is a 0% intro APR for 15 months for each balance transfer made within 45 days of account opening. After that, a variable APR applies, currently 15.99%, 20.99%, or 25.99% depending on your creditworthiness. There is a balance transfer fee. First Progress Secured Credit Card reports to all 3 major credit bureaus to help establish your credit history. No credit history or minimum credit score is required for approval. This secured credit card's variable APR is 19.99%. The credit line is secured by a fully-refundable deposit of $200 - $2,000 submitted with application. Just pay off your balance and receive your deposit back at any time. There is a $29 annual fee. If you need to establish or repair your credit history, this card is a great option. The $29 annual fee is on the low end of the secured credit card price range, and your payment history will be reported every month to all three major credit bureaus. That's good news - the faster you can establish a pattern of good credit behavior, the faster your credit score will be on the mend. Choose this card if you plan to pay your balance in full each month. But if you think you'll need to carry over balances, look at the Platinum Select or Platinum Prestige versions of this card. The Select charges a $39 annual fee, and the Prestige's annual fee is a bit more, at $49. The main difference between the three cards is the minimum variable APR (which gets lower as the annual fee gets higher). The higher annual fee will be worth the cost for the potentially lower interest rate if you don't plan on paying your bill in full each month since compound interest on balances will add up quickly and could potentially surpass the amount of the differences in the annual fees in a month or two. Research carefully before selecting a credit card. There's no point in selecting a card that accumulates airline miles if you don't often fly, and you don't want to pay the annual fee for a secured credit card if you can qualify for an unsecured $0 fee card. Make sure you fully understand the positives and negatives of all your options before you make your decision. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs. At Barclaycard's Secure Site Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers No annual fee Our Review : Are you proud of your excellent credit? You should be, as you're a wanted person. The Barclaycard CashForward(tm) World Mastercard(r), aimed at people who have great credit, rewards you nicely. With its generous $200 promotion and its above-average 1.5% cash rewards on all purchases, this cash back credit card is worth considering... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 15 months 0% for 15 months (on balance transfers made within 45 days of account opening) 15.99%, 20.99% or 25.99% Variable $0 At Synovus Bank's Secure Site Fund your new MasterCard(r) secured credit card with your tax refund today! Receive Your Card More Quickly with New Expedited Processing Option No Credit History or Minimum Credit Score Required for Approval Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted! Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application Just Pay Off Your Balance and Receive Your Deposit Back at Any Time 24/7 Online Access to Your Account Our Review : The First Progress Platinum Elite Secured Card is unique in that it requires no credit history for approval and helps build credit history. To qualify for most credit cards, you need a good credit score. This can be a problem if you've had credit problems in the past or haven't yet built a credit history. The First Progress Platinum Elite MasterCard Secured Card could be your way to get back on track... Read full review Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 19.99% (Variable) $29 At Synovus Bank's Secure Site Fund your new MasterCard(r) secured credit card with your tax refund today! Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit. We can approve you at any credit score, no minimum required. No processing or application fees required. Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide. Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application Nationwide Program though not yet available in NY, IA, AR, or WI Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 9.99% (Variable) $49 Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% Introductory APR for 15 billing cycles 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days 12.99% - 22.99% Variable APR on purchases and balance transfers $0 At Barclaycard's Secure Site Earn 10,000","Eligibility is limited to citizens and permanent resident aliens of the U.S with a valid Social Security Number.  A valid Social Security Number is a Social Security Number without restrictions.  Nonresident aliens may want to consider applying for the Wells Fargo Secured Credit Card instead. To qualify for the $200 cash rewards bonus, a total of $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS TM , cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards (r) Program Terms and Conditions and Addendum to the Wells Fargo Rewards (r) Program Terms and Conditions for the Wells Fargo Cash Wise Visa Platinum (r) Card for details. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS TM , cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards (r) Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa (r) Card for further details. In addition to the terms and conditions of the credit card, you must also make a one-time security deposit of $300-$10,000 to a \"Collateral Account.\" Your security deposit determines the limit that you may charge up to, and is held as a deposit in the Collateral Account. You still need to make monthly payments toward any balance you accrue, as with any other credit card.  Review the Wells Fargo Secured Card Terms and Conditions for details. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 - 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS TM , cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards (r) Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express (r) Card for details. Three rewards points (1 base point plus 2 bonus points) are earned per dollar spent on net purchases (purchases minus returns/credits) at U.S. retailers whose merchant code for American Express is classified as gas station and automated fuel dispensers (gas purchases at warehouse/membership clubs, grocery stores, car washes, auto repair stores and superstores that sell gasoline may not  earn bonus points) and two rewards points (1 base point plus 1 bonus point) per dollar spent on net purchases at U.S. retailers whose merchant code for American Express is classified as eating places and restaurants, drinking places and fast food restaurants (caterers, and bakers, grocery stores and other miscellaneous places that serve food or operate restaurants on their premises may not earn bonus points).  Purchases not processed using these codes for American Express will not qualify for bonus points.  Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, retailers who submit purchases using a mobile/wireless card reader or if you use a mobile or digital wallet.  One rewards point will be earned per dollar spent on other net purchases.  ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS TM , cash equivalents such as money orders and pre-paid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points.  Please refer to the Summary of the Wells Fargo Rewards (r) Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express (r) Card for details. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.","Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.","Updated: September 1, 2017 Card Rewards Rate Welcome Bonus Bonus Requirement Capital One(r) VentureOne(r) Rewards Credit Card Unlimited 1.25 miles per dollar on every purchase, every day 20,000 miles Spend $1,000 on purchases within 3 months from account opening Chase Sapphire Preferred(r) Card 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases 50,000 Bonus Points Spend $4,000 on purchases in the first 3 months from account opening Chase Freedom Unlimited(r) Unlimited 1.5% cash back on every purchase $150 Bonus Spend $500 on purchases in your first 3 months from account opening Wells Fargo Cash Wise Visa(r) Card Unlimited 1.5% cash rewards on purchases $200 Cash Rewards Bonus Spend $1,000 in the first 3 months Chase Freedom(r) Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate Unlimited 1% cash back on all other purchases $150 Bonus Spend $500 on purchases in your first 3 months from account opening Capital One(r) Venture(r) Rewards Credit Card Unlimited 2X miles per dollar on every purchase, every day 40,000 miles Spend $3,000 on purchases within 3 months from account opening Barclaycard CashForward(tm) World Mastercard(r) Unlimited 1.5% cash rewards on every purchase $200 Cash Rewards Bonus Spend $1,000 in purchases in the first 90 days after account opening Wells Fargo Platinum Visa(r) Card N/A N/A N/A Bank of America(r) Cash Rewards Credit Card Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter $150 Online Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening Capital One(r) Quicksilver(r) Cash Rewards Credit Card Unlimited 1.5% cash back on every purchase, every day $150 Cash Bonus Spend $500 on purchases within 3 months from account opening From Better Cards to Better Rates, Excellent Credit Can Reward in Myriad Ways Excellent credit. It's the credit ranking smart consumers strive for. With it, you get better interest rates on loans, and your auto insurance premiums are lower. Also, excellent credit opens up the possibilities of lucrative rewards credit cards. Whether you are in the market for cash back, travel or even balance transfer, you can save hundreds of dollars a year with the right card. Here's what you need to know about cards that require excellent credit, from their advantages, to how to build your credit: What is an excellent credit score? An excellent credit score is usually 760 and above on the FICO score, the scoring model most used by lenders. FICO ranges from 300-850, with anything above 700 considered in the good category. There are other scoring models, such as Vantage, but most lenders opt for FICO. You can get your FICO score for about $20 each at MyFICO.com or your Vantage score for free at CreditCards.com . Also, many credit card issuers now provide your score once a month as a benefit at no additional cost. That said, it isn't necessary to check your credit score monthly - once every 3 or 4 months is more than enough. Your score is a snapshot of your credit, allowing lenders to quickly identify whether you are a good risk for their lending products. Insurance companies, cell phone companies, landlords and even employers are also often interested in your credit, which is why it's important to keep it healthy. Why should I care about my credit score? Your credit score is your report card for your financial life, so it's something you should take care of. If you have a great score, you will be rewarded with excellent financial products, the apartment of your choice, that dream car and more. If you have a bad score, your insurance premiums may be higher, you may have to pay a down payment for utilities and the employer you think is perfect for you may not think you're perfect for them. It's important to check your credit reports each year to make sure there are no mistakes (and get them corrected asap). You actually don't need to check your score that often, as long as you are checking your reports regularly. You can check them once a year for free at AnnualCreditReport.com or you can check your TransUnion report for free at CreditCards.com. You want to make sure your on-time payments are reflected and your available credit is accurate. Pay in full and on time each and every month, limit applications for credit, and the rest will fall into place. How do I get a credit card for excellent credit? To get a credit card for excellent credit, you'll need to make sure your credit matches the card's requirements. Card issuers also look at income. First, check your FICO credit for about $20 at MyFICO or check your Vantage score at CreditCards.com for free. A good score is over 700; an excellent score is over 760 out of a range of 300-850, with 850 as the best. There is no guarantee that you will be approved, and issuers typically don't specify what your score needs to be. But if you have steady income and an acceptable score, your chances of approval are considerably higher. Do your research and only apply for one card, because \"hard pulls\" on your credit can ding your score, particularly when there are several credit pulls. A hard pull is when a lender checks your credit and it impacts your score. Several credit pulls can be interpreted by lenders as desperation for cash - that's why they don't like multiple applications for credit cards. Can you use a credit card in the excellent category to save money? Because rewards cards tend to fall in the good or excellent categories, you can save hundreds of dollars a year with these cards. You can also benefit by taking out a balance transfer card. Rewards cards can be cashback or travel cards, both of which are great for saving money. With a cashback card, you can get a signup bonus of up to $300 for a certain spend within a certain amount of time, typically 90 days or 3 months. Then, you can get cash back for specific categories, such at 6% back on U.S. supermarkets on up to $6,000 per year in purchases, then 1% with the Amex Blue Cash Preferred. You can also get a cashback card with a flat rate on everything, such as 1.5% with the Wells Fargo Cash Wise. There is also a way to get double cash back on 5% with quarterly categories with the Discover it Cashback Match. A travel card can have a host of features. Basically, a travel card will have a signup bonus that comes in miles or points. They work the same way as a cashback card - a minimum spend in a certain amount of time gets you the bonus. Then, you get points for purchases you make. Rewards points can be for brand loyalty, such as Amex Gold Delta SkyMiles, or for worldwide dining and travel, such as Chase Sapphire Preferred. With a balance transfer card, you can transfer existing debt from one card to another with an introductory 0% APR, giving you the chance to pay down debt without paying interest charges. But you'll need to make sure you pay off the debt before the introductory offer ends, so that you don't resume paying interest fees. What should I look for in a credit card with excellent credit? Excellent credit is the gold standard for the savvy consumer. And the credit cards that require excellent credit are usually worth your while. You need to look at the annual fee, foreign transaction fees and other aspects of a card. Annual fee - An annual fee is not necessarily something you need to shy away","The SunTrust Cash Rewards Credit Card has no annual fee or foreign transaction fees. It offers an APR of zero percent on purchases and balance transfers for the first 15 months after opening the account. After that, the APR is a variable 12.24 to 22.24 percent based on the cardholder's creditworthiness. Best Features Drawbacks SunTrust Cash Rewards Credit Card Benefits The SunTrust Cash Rewards Credit Card comes with SunTrust World MasterCard cardholder benefits. Cardholders receive car rental coverage, purchase assurance and extended warranty coverage. Other World MasterCard benefits include price protection, travel assistance services, roadside service and 24-hour global customer service. Maximizing Rewards During their first 12 months after opening an account, cardholders can earn 5 percent cash back on up to $6,000 in purchases at gas stations and qualifying grocery stores. After that period, the card offers 2 percent unlimited cash back on all qualifying gas and grocery purchases. Cardholders will earn 1 percent unlimited cash back rewards on all other qualifying purchases. SunTrust offers a variety of options for redeeming cash back on the credit card. Cardholders can purchase online gifts, receive store gift cards, book hotels and airline travel tickets, or redeem their points for cash deposited directly into their checking or savings account. Comparisons to Other Cards Introductory APR: The SunTrust Cash Rewards Credit Card offers a zero percent APR on purchases and balance transfers for the first 15 months and then a variable APR of 12.24 to 22.24 percent. The Blue Cash Everyday Card from American Express offers a zero percent APR for the first 15 months on purchases and balance transfers, then a variable APR of 13.99 to 24.99 percent. Rewards: The SunTrust Cash Rewards Credit Card offers 5 percent cash back for the first 12 months on gas and grocery purchases up to the first $6,000, then 2 percent unlimited cash back for gas and grocery purchases after the introductory period. The card earns 1 percent unlimited cash back rewards on all other qualifying purchases. The Blue Cash Everyday Card from American Express offers 3 percent cash back at U.S. supermarkets on purchases up to $6,000 annually. You will receive 2 percent cash back at all U.S. gas stations and select U.S. department stores. This card offers unlimited 1 percent cash back on all other purchases. Sign-up bonus: The SunTrust Cash Rewards Credit Card has no sign-up bonus. The Blue Cash Everyday Card from American Express offers a $150 bonus after $1,000 in purchases within the first three months of opening the account. If you add your first additional card and make a purchase on the card within the first three months of opening an account, you will earn $50 cash back. Benefits: The SunTrust Cash Rewards Credit Card offers access to a free monthly FICO credit score, 24-hour customer service, travel assistance, unlimited rewards and redemption options, an exclusive cash back bonus for clients and flexible card design options. The Blue Cash Everyday Card from American Express offers car rental loss and damage insurance, a global assistance hotline, roadside assistance, travel accident insurance, extended warranty coverage, return protection, cellphone protection and more. APR: The SunTrust Cash Rewards Credit Card has a zero percent APR offer for the first 15 months on purchases and balance transfers, followed by a variable APR of 12.24 to 22.24 percent. The Bank of America Cash Rewards Credit Card has a zero percent APR for the first 12 months on purchases, followed by a variable APR of 13.99 to 23.99 percent. Rewards: SunTrust Cash Rewards Credit Card holders can earn 5 percent cash back at qualifying grocery stores and gas stations on up to $6,000 in purchases within the first 12 months. After this introductory period, cardholders earn an unlimited 2 percent cash back on grocery and gas purchases and 1 percent unlimited cash back on all other qualifying purchases. The Bank of America Cash Rewards Credit Card offers 1 percent cash back on every purchase. For the first $2,500 in combined purchases each quarter, you can earn 2 percent cash back at grocery stores and wholesale clubs and 3 percent cash back on gas. Benefits: The SunTrust Cash Rewards Credit Card offers access to a monthly FICO credit score, World MasterCard cardholder benefits, 24-hour customer service and purchase protection. The Bank of America Cash Rewards Credit Card offers online shopping security with ShopSafe technology. The card offers a zero liability guarantee on fraudulent purchases and free access to your monthly FICO credit score.","Wells Fargo recently unveiled a new credit card - the Wells Fargo Cash Wise Visa(r) Card. With 1.5% cash back on all purchases, the card offers decent value for consumers who are interested in earning good rewards for the long-term. If you're looking to score a big signup bonus, the Wells Fargo Cash Wise Visa(r) Card this card has a solid one -- $200 after you spend at least $1,000 in net purchases within the first 3 months. Review: Is The Wells Fargo Cash Wise Visa(r) Card A 'Best Cash Back' Contender? The Wells Fargo Cash Wise Visa(r) Card is a good credit card for high spenders. It offers a fixed 1.5% cash back rate on all your purchases. Other cards, like the Chase Sapphire Preferred(r) Card , can give you higher returns in select categories like dining and travel. The Wells Fargo Cash Wise Visa(r) Card will be better if you spend heavily at different types of stores that don't fit a single card's particular reward structure. Most of the top cash back credit cards come with signup bonuses -- and the Wells Fargo Cash Wise Visa(r) Card does as well. Users can get $200 after spending $1,000 on purchases within the first 3 months. Additionally, the card comes with a 1.8% rewards rate on Apple Pay(tm) and Android Pay(tm) purchases for the first 12 months. The early-spend bonus matches some of the other top offers we've seen. The above graph is based on 2014 consumer expenditures data from the Bureau of Labor Statistics . One of the best features on the Wells Fargo Cash Wise Visa(r) Card is its cell phone insurance . The perk is not unique to this card -- most Wells Fargo credit cards offer the same benefit. Despite this, the benefit is still worth talking about. If you pay your cell phone bill with the Wells Fargo Cash Wise Visa(r) Card, it will be covered for up to $600 in case your phone is damaged or stolen. If you use that to replace a cell phone company's insurance plan, you can save close to $100 each year. Bottom Line: The Wells Fargo Cash Wise Visa(r) Card is a solid card, due to the above average 1.5% cash back rate. If you want to earn a good signup bonus and aren't a high spender you're more likely to come out ahead with another fixed-rate credit card . Wells Fargo Cash Wise Visa(r) Card Benefits & Features The Wells Fargo Cash Wise Visa(r) Card has a simple reward structure -- 1.5% cash back on all net purchases. Note that this does not apply to other types of transactions, such as cash advances and balance transfers . Annual Fee $0 Purchase APR 13.99%-25.99% (Variable) Card Details Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay(r) or Android Pay(tm), during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa(r) Card 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions In lieu of a bonus, the Wells Fargo Cash Wise Visa(r) Card awards 1.8% cash back on all Apple Pay(tm) and Android Pay(tm) transactions during the first 12 months of the account being opened. There is no cap on this elevated rewards rate. Neither pay service comes with any extra fees or charges, so the 1.8% rewards rate doesn't come at any additional cost. Given this, if you get the Wells Fargo Cash Wise Visa(r) Card card, we advise you to take advantage of the offer. Wells Fargo's Cell Phone Insurance All Wells Fargo credit cards, including the Wells Fargo Cash Wise Visa(r) Card, come with cellular telephone protection. If you pay your phone bill using this card, you will get up to $600 in coverage against damage or theft. The policy is subject to a $25 deductible and a maximum of 2 claims per 12 month period. This is one of the best credit card benefits around, since it has the potential to save cardholders a decent amount of money. A typical insurance policy purchased directly from a provider would cost around $8 per month. Therefore, by using the Wells Fargo Cash Wise Visa(r) Card, you could be saving roughly $96 per year. The coverage isn't all-inclusive, and comes with a number of different exclusions. If you lose your phone, or it's damaged while under the care of a common carrier (such as the Postal Service) you shouldn't expect to receive compensation. You can read the whole list of exclusions and details about the policy here . How Does The Wells Fargo Cash Wise Visa(r) Card Compare To Other Credit Cards? To get a sense of the Wells Fargo Cash Wise Visa(r) Card card's value, we looked at how it compares to its competitors. Wells Fargo Cash Wise Visa(r) Card vs Chase Freedom Unlimited(r) The Chase Freedom Unlimited(r) is one of the newest 1.5% cash back credit cards on the market. For most consumers, it will be a better option than the Wells Fargo Cash Wise Visa(r) Card. Firstly, the Chase Freedom Unlimited(r) comes with a welcome bonus. You get $150 if you manage to spend $500 on purchases within the first 3 months of card membership. That's a slightly lower reward that that on the Wells Fargo Cash Wise Visa(r) Card, but you need half the required spend. Secondly, the Chase Freedom Unlimited(r) awards users Ultimate Reward points . If you ever apply for the Chase Sapphire Preferred(r) Card or Ink Plus(r) Business Credit Card , you will gain the ability to transfer your points to a number of hotel and airline partners. In such a case, you'd boost your rewards rate above 1.5% on the Chase Freedom Unlimited(r). Conclusion: The Chase Freedom Unlimited(r) has far greater growth potential than the Wells Fargo Cash Wise Visa(r) Card. Wells Fargo Cash Wise Visa(r) Card vs Barclaycard CashForward(tm) World Mastercard(r) Despite both cards giving 1.5% cash back on all purchases, the Barclaycard CashForward(tm) World Mastercard(r) has a slight edge over the Wells Fargo Cash Wise Visa(r) Card. Every time you redeem your rewards on the Barclaycard CashForward(tm) World Mastercard(r), you get a 5% bonus towards your next redemption. That boosts its net rewards rate to roughly 1.6%. Therefore, if you're thinking of the long-term benefits of one card versus the other, the Barclaycard CashForward(tm) World Mastercard(r) is comes out ahead. The Barclaycard CashForward(tm) World Mastercard(r) gives users $200 cash back after they spend at least $1,000 on net purchases within the first 90 days of card membership. That is the same as the the bonus you can score with the Wells Fargo Cash Wise Visa(r) Card. Conclusion: The Barclaycard CashForward(tm) World Mastercard(r) is the better option in the long-term, though it doesn't have a bonus that's quite as good. Comparison Tool Picking between different credit cards should ultimately come down to how you spend. We built a tool that lets you quickly compare between options based on the monthly spending you input. Card Annual Fee 2-yr Net Rewards Rate Bonus Value 2-yr Rewards Value Barclaycard CashForward(tm) World Mastercard(r) $0 1.99% $715 Graph Card Read Review More Details Card Details Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem,","How could you trade your gold spade for two great cards? Calling the ERT now..... Just kidding congratulations to you. My philosophy is, if I see a card I want, I'm going for it if I feel I have a reasonable chance. Life is too short to live always for tomorrow and not go after what you want because some dork on FICO tells you that you are a criminal if you apply for a credit card and leave their precious garden. Good for you for pursuing what you want in life. I get a kick out of the garden fanatics there. If you have any inquiries, they say you will be declined for too many even if it's 2 or 3. If you don't have any they say you will drop your score if you get any. Bascially to them there is NO good time for you to apply for a card, though they love to tell you about their app sprees for 5 or 10 cards, but that's \"different', they were drunk so it's ok. Actually as far as I'm concerned, it IS ok - it's their lives and their credit and really none of my business and I honestly couldn't care less. Do what's right for you and all.","*Editorial Note : This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. *Disclaimer : This article is accurate as of the publish date February 1, 2016 For consumers who are looking for a cash back card that won't make you keep up with any confusing bonus categories, the  Barclaycard CashForward(tm) World Mastercard(r)  might be the perfect fit. This new credit card comes with a generous sign up bonus, a nice ongoing rewards rate, and many unique features that cardholders will love. Rewards Details To kick off the rewards earning, new cardholders can receive a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening. For ongoing rewards, the  Barclaycard CashForward(tm) World Mastercard(r)  earns an unlimited 1.5% cash rewards on every purchase. That means you don't have to keep up with any bonus spending categories or rotating rewards; instead, you receive a consistent cash back rate for every transaction. To make your cash rewards even sweeter, you'll receive a 5% cash redemption bonus every time you redeem! Redemptions start at $50, and you can easily redeem your cash rewards in a number of ways including a direct deposit straight into your bank account, a statement credit towards your credit card balance, or gift cards to your favorite stores and restaurants. Finally, your rewards will never expire as long as your account is open, active, and in good standing. Rates and Fees Another great feature that new cardholders will love is that the  Barclaycard CashForward(tm) World Mastercard(r)  comes with an intro APR of 0% for 15 months on purchases and 0% for 15 months (on balance transfers made within 45 days of account opening). That means that if you need to transfer a balance from a high interest credit card, you'll have over a year to do so without paying any interest. After the intro period is up, the interest rate will be 15.99%, 20.99% or 25.99% Variable APR based on your creditworthiness. Since there is no annual fee with this credit card, cardholders have the luxury of earning rewards without ever having to pay a membership fee. However, there is a 3% foreign transaction fee, so you may want to refrain from using this credit card while traveling overseas. Also, there is a balance transfers fee of 3%, minimum $5, but that's pretty normal. How does it compare? Capital One(r) Quicksilver(r) Cash Rewards Credit Card : This credit card is extremely similar to the Barclaycard CashForward(tm) World Mastercard(r), but there are a few notable differences. The  Capital One(r) Quicksilver(r) Cash Rewards Credit Card  also earns unlimited 1.5% Cash Back on every purchase, every day and comes with a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. The Capital One(r) Quicksilver(r) Cash Rewards Credit Card doesn't have the 5% cash redemption bonus that the  Barclaycard CashForward(tm) World Mastercard(r)  has, but it has no foreign transaction fees and you can redeem your cash back for any amount; you don't have to wait until you've accumulated $50 in cash rewards. Citi(r) Double Cash Card - 18 month BT offer :  This card doesn't come with any sign up bonus like you'll find on the  Barclaycard CashForward(tm) World Mastercard(r) , but it has a better ongoing rewards rate. Citi(r) Double Cash Card - 18 month BT offer earns 1% cash back when you buy and 1% cash back as you pay for those purchases. Just like the Barclaycard CashForward(tm) World Mastercard(r), there is no annual fee, but the Citi(r) Double Cash Card - 18 month BT offer offers an even better intro APR with 0%* for 18 months on Balance Transfers*. Chase Freedom(r) : If you're more interested in maximizing bonus categories instead of earning a consistent cash back rate, then you should consider the Chase Freedom(r). Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. The  Chase Freedom(r)  also gives a better sign up bonus than the  Barclaycard CashForward(tm) World Mastercard(r)  by letting customers earn earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. * Editorial Note:   This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by   the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. *The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.","Cash Back Credit Cards While some credit cards have rewards that can be complicated to understand, the idea behind cash back credit cards is simple: cardholders receive percentage cash back from each transaction that they make. With many credit cards, you'll receive a larger percentage cash back when you make a purchase in certain categories, such as at the gas pump, the grocery store, or on travel purchases. By choosing the cash back offer most suited to your spending needs, you will be able to save a sizable amount of money each month. The following are the most popular cash back credit cards offered by our partners:","Greetings   My wife has a ton of unpaid medical bills in collections. Her credit scores are in the range of 640 - 680. My question is, how much do medical records adversely effect FICO scores. I would think that with the amount that she has that her scores would be much lower. They are all within the last 2 years. Thanks in advance for your input on this! AmexPlat(NPSL) Amex BCP(26k) BofA CR Siggy(15k) NFCU CLOC(15K) AmexOpt (13.1k AU) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) J Crew(5.6k) Citi Diamond(5.5k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017 FICO 8 Scores EX 722(15) EQ 688(17)TU 717(18) AAOA 3.0yrs TCL=179,950","There is a special online only promotion available right now for the Wells Fargo Rewards Card that offers 20,000 bonus points if you spend $1,000 on purchases in the first 3 months of account opening. The 20,000 bonus points that you earn with the Wells Fargo Rewards Card can be redeemed for $200 in cash redemptions or gift cards as well as toward travel, merchandise, online auctions, and more. You'll also receive 5 points per $1 spent on gas, grocery, and drugstore purchases for the first 6 months of card membership. The Wells Fargo Rewards Card provides 1 point per $1 on all other purchases that you make, and you have 5 years to use the points that you earn. There is no annual fee for the Wells Fargo Rewards Card. Check out the Wells Fargo Rewards Card to apply online for this special offer for a limited time. Wells Fargo Rewards Card Details 20,000 bonus points if you spend $1,000 (net purchases) in first 3 months. 5x points on gas, grocery, drugstore net purchases for 6 months. 1x points on virtually all other net purchases. Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more. Extra points earning potential and deals at your favorite stores when you shop our Earn More Mall. Enjoy 5 years to use the points you earn. $0 annual fee. 0.00% introductory APR for 12 months on Purchases and Balance Transfers. Auto rental collision damage waiver. Emergency card replacement. Roadside dispatch. Travel accident insurance. Travel and emergency assistance services. Cell phone protection. If you're looking for a Wells Fargo credit card with flexible redemption options, then this is a good opportunity to get a $200 bonus value as a new card applicant. However, you'll only earn 5 points per $1 on gas, grocery, and drugstore purchases for the first 6 months, and then all of your card spending will only earn 1 point per $1, which is significantly less than you can earn on other cards, like the Citi Double Cash Card , which offers the equivalent of a 2% rebate on all of your purchases. You may also consider the Wells Fargo Cash Wise Credit Card to earn a $200 cash bonus and 1.5% cash back on all of your card purchases instead.","Much like other financial investment vehicles, credit cards have a bunch of \"secrets\" that the average consumer never learns to take advantage of - and the companies like it that way. Indeed; if more people knew about and used these; lending via credit as an institution would eventually cease to exist as the margins shrunk. In the following, we'll uncover a handful of credit card secrets, so as to better position you to be able to take advantage of the many ins-and-outs of these ultra-competitive lenders. In just three tips, you'll learn how to utilize credit cards in ways you might have never thought of. Tip 1: Get Cards with a Beneficial Rewards Option This may seem obvious. But the truth is, far too many people obtain credit cards that have rewards which don't really apply to their lifestyle. After all, if you hate the cold, then what good is it to get a trip to Moscow as an end-of-the-year reward? With this in mind, when you get a card that provides you with frequent flyer miles; make sure you don't pay cash for things such as groceries, department store purchases or even gas - put it on your card! Of course, in order to truly take advantage of this offer, you must avoid carrying a balance - head to your house and pay off the purchase right away. Then, the credit card companies don't get to take advantage of the interest, but still, of course, have to pay out the promised rewards and points. Fact is; this only works out so well for them because the majority of people carry their credit balances from one month to the next. Many people every year take advantage of this and get free trips to Europe or Canada, etc, at the end of the season, for their entire family. You can truly rack up the frequent flyer miles with this disciplined approach. All card companies love it when you carry a balance - this is, after all, how they make money. If everyone followed this tip, then the companies would have to close down because they'd go bankrupt and couldn't fund their operations. Tip 2: Put All Business-Related Purchases on Credit This next credit card secret involves some really high-level, bankers-type knowledge; as such, we'll use an example of how to take advantage of it. Let's say you want to purchase repairs on a home; it will be difficult to get a loan in the post-2008 housing collapse market. There's no way that lenders want to risk shelling out money after the subprime mortgage collapse, which happened, after all, because they sold loans to people that couldn't pay them back. So what do you do? Put the repairs on a credit card. Even if this card has a 12% APR, if you borrow $50,000 or so, and hold it for just a couple of months, then you actually only owe 2% on the total amount if you pay it back. Of course, in order for this to truly work, you need to be in the business of flipping homes. In short, you'll be paying a tiny fraction of the usual amount needed to fund business projects with the necessary capital. Tip 3: Use Multiple Lines of Credit Wisely If you're like most people, then you've probably got several credit cards , right? If so, then you can use the competition that exists between bankers to your advantage with this next credit card secret. First off; ask your bank if they've got a balance transfer option available. If so, make sure it's a zero-percent balance transfer. For example, if you have a balance on a Capital One card, and then you sign up for a Bank of America card, then either email or call them regarding the terms of their balance transfer offer. If it makes sense, then pull the trigger and move your debt. Plan to pay it off fully within the next 6-9 months (usually) to come out ahead. Obviously, if a bank can get you to transfer your debt from the competition to their own coffers, then they get you to pay the interest on that debt for a long time. This means, in order to sweeten the deal, they often give you several months free of interest on that debt. It's literally like giving away money! So if you move your debt from one lender to another, receive a 9-month reprieve on interest payments, and manage to pay off your debt in those nine months, then you've effectively received a free loan from your new lender. Using Credit Cards Wisely In conclusion, especially with the last \"secret\", you can move your debt from one bank to another for a period of several years! You'll save the equivalent of several years' worth of taxes on a sum that's large enough if you manage to finally pay off the loan within the reprieve period. Keep in mind that all credit card companies are in competition with each other; in the free market, this means they make the most money by providing the consumer with the better deal. Take advantage of it!","I got a flyer in the mail for a different offer, which some of you may find interesting. Barclaycard Ring: zero balance transfer fee for the first 45 days. If you already have a Chase card and want to get more \"free\" money for 15 months to keep in an interest bearing account, this is your chance. I requested and obtained 14k (ymmv) which I'll keep on a 12 month CD at 1.2%. What do you think?","FICO (r) Scores are developed by Fair Isaac Corporation. The FICO (r) Score provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services (\"ECS\"), in Experian CreditWorks (sm) , Credit Tracker (sm) and/or your free Experian membership (as applicable) is based on FICO (r) Score 8, unless otherwise noted. Many but not all lenders use FICO (r) Score 8. In addition to the FICO (r) Score 8, ECS may offer and provide other base or industry-specific FICO (r) Scores (such as FICO (r) Auto Scores and FICO (r) Bankcard Scores). The other FICO (r) Scores made available are calculated from versions of the base and industry-specific FICO (r) Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO (r) Score than FICO (r) Score 8 or such other base or industry-specific FICO (r) Score, or another type of credit score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers, however, the credit rating of FICO (r) Score 8 (or other FICO (r) Score) could vary from the score used by your lender. The statements that \"90% of top lenders use FICO (r) Scores\" and \"FICO (r) Scores are used in 90% of credit decisions\" are based on a third-party study of all versions of FICO (r) Scores sold to lenders, including but not limited to scores based on FICO (r) Score 8. Base FICO (r) Scores (including the FICO (r) Score 8) range from 300 to 850. Industry-specific FICO (r) Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO (r) Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies -- the Experian credit bureau, TransUnion (r) and Equifax (r) -- that maintain a record of your credit history known as your credit report. Your FICO (r) Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO (r) Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO (r) Score may also change.","just applied for this, instant approval. Have around 53 credit cards, 1 auto loan, personal loan, $310k total credit, less than %7 utilization. Got the signature Visa. Also applied for the barclaycard Cashforward card. Instant approval. Got the world mastercard. Barclays pulled TU, Wells Fargo must have pulled EX.","This week, Wells Fargo threw its hat into the everyday cash back rewards arena by introducing the Cash Wise Visa . Though it's exciting when an issuer launches a new card, there are multiple reasons why you should pass on this new card. The Basics The Wells Fargo Cash Wise Visa earns 1.5% cash back on all purchases, along with 1.8% cash back for all purchases made with Android Pay or Apple Pay during the first twelve months of account opening. The 1.5% cash back rewards puts it in direct competition with:  Like all the cards list above (with the exception of the Capital One QuicksilverOne), the Cash Wise Visa carries no annual fee.  Cardholders can redeem cash back for a statement credit and request a paper check or use their cash back to buy gift cards, merchandise or book travel from the Wells Fargo online portal . Cardholders who have a banking relationship with Wells Fargo can choose to redeem cash back via direct deposit into their checking or savings account, apply their rewards as a credit to a qualifying Wells Fargo credit product (like a mortgage or loan) or redeem cash back at a Wells Fargo ATM in $20 increments using their Wells Fargo ATM or debit card. Positives The Wells Fargo Cash Wise Visa (like all other consumer Wells Fargo credit cards) offers a free cell phone protection plan. You don't have to purchase your phone with your the Cash Wise Visa. Simply pay your monthly cell phone plan with it and you'll receive up to $600 protection against damage or theft, twice per twelve month period (subject to a $25 deductible). Read more about Wells Fargo's cell phone protection plan.  Better Cards Better flat cash back cards include the Citi Double Cash Card , which earns an unlimited 1% cash back on every purchase, plus an additional 1% cash back as you pay for those purchases, whether you pay in full or over time. That 0.5% cash back can make a big difference over the course of the year! If you want a flat 1.5% cash back card with potential flexibility, consider the Chase Freedom Unlimited . When you have the Chase Freedom Unlimited  along with the premium  Chase Sapphire Preferred  in your wallet, you can convert the 1.5% cash back into more valuable Chase Ultimate Rewards points. Though it doesn't have 5% cash back rotating categories (on up to $1,500 per quarter) like the traditional Chase Freedom , the Chase Freedom Unlimited is a strong contender for everyday spending without caps.  Bottom Line While it's a positive sign that Wells Fargo has added an everyday cash rewards card to its rotation, it doesn't stand out from the competition. Head to Wells Fargo to learn more about the Cash Wise Visa. Like this post?","CREDIT CARD OFFERS.COM ESTIMATED VALUE OVER 2 YEARS Based on the spending information you entered in the calculator We do the serious math so you don't have to. The Estimated Value is calculated by Offers.com from the Perks (rewards points, cash back, etc...), Fees and Interest of each card, as well as the life and spending information you've provided. Okay, I got it!","This is an advertiser offer.   Advertiser Disclosure New! Free Social Security Number alerts, we'll monitor thousands of risky websites when you sign up.* Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed. 1% cash back on all your other purchases. Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years. No annual fee. No late fee on first late payment. No APR change for paying late. Get 100% U.S. based customer service & your FICO(r) Credit Score for free on monthly statements, on mobile and online. Freeze It(r) on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%. Click \"APPLY NOW\" to see rates, rewards, FICO(r) Credit Score terms, Cashback Match (tm)  details & other information. Apply Now","Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information. Updated: September 1, 2017 Card Welcome Bonus Bonus Requirement Rewards Rate Wells Fargo Cash Wise Visa(r) Card $200 Cash Rewards Bonus Spend $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Discover it(r) Cashback Match(tm) Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically Automatic Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate Unlimited 1% cash back on all other purchases Citi(r) Double Cash Card N/A N/A Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases Chase Freedom Unlimited(r) $150 Bonus Spend $500 on purchases in your first 3 months from account opening Unlimited 1.5% cash back on every purchase Barclaycard CashForward(tm) World Mastercard(r) $200 Cash Rewards Bonus Spend $1,000 on purchases in the first 90 days after account opening Unlimited 1.5% cash rewards on every purchase Bank of America(r) Cash Rewards Credit Card $150 Online Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter Capital One(r) Quicksilver(r) Cash Rewards Credit Card $150 Cash Bonus Spend $500 on purchases within 3 months from account opening Earn unlimited 1.5% cash back on every purchase, every day MLB(tm) BankAmericard Cash Rewards(tm) Mastercard(r) $150 Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter USAA Limitless(tm) Cashback Rewards Visa Signature(r) Credit Card N/A N/A Earn 1.5% cash back on credit card purchases Choose the Right Cashback Card for You There are few credit cards as versatile as the cashback card. No matter your purchase habits, there's likely a cashback card for you. You can earn cash without having to think about it. You can max out rewards by pairing this kind of card with a travel rewards card, such as a Chase Freedom or Freedom Unlimited card and a Chase Sapphire Preferred. With a few cashback cards, you can even build your credit when it's not at its best while earning cash back. Many have no annual fee. There is also the option of rotating categories or flat cashback percentages. We'll explain all that in easy-to-understand language. Here's what you need to know: What is a cashback credit card? A cashback credit card is a card that allows you to earn cash for making purchases. Most require good or excellent credit, which means you need at least a FICO score of 700 before you even think about applying. FICO, the credit scoring model most used by lenders, rates on a scale of 300-850, with 850 as the best. Cashback cards are an excellent gateway card into travel cards, which can be more complicated to maneuver and typically have an annual fee. Because cashback cards often don't have annual fees, you don't have to worry about a minimum spend to make the card worth your while. Once you've built your credit, pick out a cashback card and practice good money-management habits with it. That means keep a budget, plan what you'll use your card for (only spend what you have the money to repay), and pay in full and on time each month. After you've successfully managed your cashback card for about a year, then it's time to look at possibly upgrading to a travel or rewards card for more intense benefits. Why use cashback credit cards? You may be wondering why you should use a cashback credit card. If you can pay your balance in full and on time each month, you can earn cash back in the hundreds each year. Say you have a card that pays 2% back on everything, and there is no annual fee. If you spend $1,000 a month for a year, you will get $240 back at the end of that year. Also, by paying in full and on time each month, you will improve your credit, because FICO, the dominant scoring model, loves it when you don't carry a balance on your credit cards, and it really loves when you pay on time. How do I get a cashback credit card? When you apply for a cashback credit card, the card issuer will gather some information, including Social Security number, name and address, and income. Fill out the form honestly, because you can have the card revoked if you're caught in a lie. Income can be money you have access to, rather than just your salary, so if you and your spouse are employed, you can combine the incomes. This is helpful if you are an at-home parent and the family has just one income. Many cards will approve or decline you within minutes. If you are approved, you may be able to shop online with your new account. Your card will arrive within a few days in the mail. How do cashback credit cards work? Cashback credit cards work in a variety of ways, usually offering a percentage back for your purchases. Say you have a Wells Fargo Cash Wise card, which gives 1.5% back on everything. That means if you spend $1,000 a month on groceries, gas and other expenses, at year end, you'll earn $180 back. And because many cashback cards don't have annual fees, you're not having to clear that \"fee hurdle.\" Some cashback cards are a little more complicated. They might pay for quarterly categories, for example, such as the Discover it Cashback Match. Categories can have reward limits -- for example, the Cashback Match gives you 5% back for up to $1,500 a quarter. Categories can include wholesale clubs, restaurants, gas and more. The advantage with a card that has quarterly categories is that you get a higher reward. However, there are usually signups, limits and you have to keep track of which categories qualify. Depending on the card, cash back can be in the form of credit statements, bank deposit, checks, even merchandise through shopping portals. For example, Discover Deals allows you to get cashback bonuses or money off your purchases. Through these shopping portals, you can shop for clothing, gifts, health and beauty aids, travel and more. Some cards, such as the Wells Fargo Propel, allow you to redeem for gift cards. What are signup bonuses on cashback cards? Many cashback cards offer a signup bonus, typically between $100 and $200, with a required spend within a certain amount of time, usually 90 days or 3 months. The required spend is usually below that of a travel card, typically $1,000 or less. This makes it easier to meet the requirements and earn the cash bonus. For example, the Chase Freedom Unlimited offers $150 after a $500 spend within your first 3 months of card membership. Make sure you have the cash to pay back the required spend, because if you carry the charge over month-to-month, you basically undo the benefit of the bonus by paying interest fees. How do you use a cashback credit card","You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Have you noticed yourself spending a little more these days? If so, you're not alone. According to Gallup, 42 percent of millennials are spending more than they did a year ago. Data suggests that the average millennial is spending about $85 per day. That's over $30,000 per year in spending! But get this: If you're not spending smart and earning cash back rewards on your purchases, you're actually leaving money on the table. Unless a merchant gives you a discount for paying cash ( which is illegal in some states ), the best cash back rewards credit cards will give you at least 1.5 percent cash back on your purchases. All you have to do is use the card for everything (and, of course, only buy what you can afford to pay off each and every month!) If you're in the market for a new cash back credit card, you have some excellent choices in 2017 . But before sifting through tons of credit card offers and choosing the card that's best for your wallet, you have to decide which kind of cash back rewards structure you want. How much cash back can you earn from a credit card? The best cash back credit cards today do not cap how much cash you can earn, but every card calculates their rewards slightly differently. Most of today's cashback credit cards follow one of these basic rewards structures: 1 percent cash back on most purchases, while purchases in some categories earn up to 5 or 6 percent cash back. 1 percent cash back on purchases plus an additional bonus (for example, up to an additional 1 percent) when you take another action, like paying off the balance or redeeming rewards. 1.5 percent cash back on all purchases. Today we're going to look at the last structure and compare these top 1.5 percent cash-back credit cards. We'll discuss both the pros and cons of the 1.5 percent cash-back structure and each selected card. Are credit card offers with 1.5 percent cash back a good deal? Unlimited 1.5 percent cash back credit cards are best if you don't want to keep track of promotional categories or you don't spend a lot of money in categories that commonly earn higher rewards rates, such as groceries and travel. If you're willing to tweak your spending accordingly, however, you may be able to do better with a cash-back card like Chase Freedom that pays 5 percent cash back on a limited amount of certain purchases each quarter. If you want to keep things simple, choose a 1.5 percent cash-back card that rewards every purchase. What's the best 1.5 percent cash-back credit card? We think it's a toss-up between these four cards: The Wells Fargo Cash Wise Visa(r) Card, Chase Freedom Unlimited, Capital One Quicksilver and Barclaycard CashForward. Let's take a look: The no-annual fee Barclaycard CashForward World Mastercard gives you an unlimited 1.5 percent cash rewards on every purchase plus a 5 percent redemption bonus. The CashForward card also gives you a $200 cash bonus after you spend $1,000 in purchases within 90 days of account opening. Between the signup bonus and the 5 percent redemption bonus--which we'll explain in a moment--the Barclaycard CashForward card will net you the most pure cash back of the four cards here. If you want to carry one card and keep things simple, this is your card. The CashForward card also offers a 0-percent intro APR on both purchases and balance transfers made within 45 days of account opening. But what about that redemption bonus I mentioned? How does that work? With the Barclaycard CashForward card, every time you redeem your rewards, you'll get a 5 percent bonus to use toward your next redemption. Let's say you wait until you have $100 in rewards and redeem them as a deposit into your bank account. You'll earn an extra $5 (5 percent of $100) in your rewards balance that you can redeem next time. I know, the bonus isn't a ton of extra cash, but it does make the CashForward card's effective rewards rate 1.575 percent or 0.075 percent higher than its competitors. Combined with its higher signup bonus, the CashForward card beats out the competition by a nose. Although rewards never expire as long as your account is open and in good standing, the CashForward card has a $50 minimum redemption amount. This is higher than some competitors, so it's something to consider if you want to cash out rewards in smaller increments. Read our full review or apply for the Barclaycard CashForward card . This offer requires Excellent/Good credit. Card Highlights Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay(r) or Android Pay(tm), during the first 12 months from account opening View Wells Fargo Cash Wise Visa(r) Card details and how to apply >> The no-annual fee Wells Fargo Cash Wise Visa(r) Card earns you unlimited 1.5 percent cash back on nearly every purchase. The Wells Fargo Cash Wise Visa(r) Card combines unlimited 1.5 percent cash rewards with a 0 percent intro APR for 12 months on purchases and balance transfers, a signup bonus, and a couple of other benefits unique to this card. As a signup bonus, new cardmembers can earn a $200 cash rewards bonus after spending $1,000 in the first 3 months. New cardmembers will also get 1.8 percent cash rewards on qualified mobile wallet purchases, like Apple Pay(r) or Android Pay(tm), during the first 12 months from account opening. This presents an interesting opportunity to increase your rewards if you already use mobile payments frequently--or don't mind trying. Finally, if you carry insurance on a pricey mobile phone, this and other Wells Fargo cards may be able to replace your phone insurance. You can get $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft. To qualify, just pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa(r) Card. If you're paying $11 a month for cell insurance, this benefit alone will save you $132 a year. Learn more about the Wells Fargo Cash Wise Visa(r) Card . The no-annual fee Chase Freedom Unlimited card gets you 1.5 percent cash back on all qualifying purchases. There's no limit to how much you can earn and no minimum rewards balance required before you can redeem your cash back. There are three things to know about the Freedom Unlimited card: First, you can earn a $150 cash bonus if you spend $500 in your first three months of card membership. Second, there's an introductory 0-percent APR on purchases and balance transfers for 15 months. Finally, you can use Freedom Unlimited in parallel with the Chase Sapphire Preferred card to increase the value of your rewards. This last part is what differentiates the Unlimited card from the others here. If you carry multiple credit cards to squeeze every reward penny you can, you might consider combining this card with the Sapphire Preferred or Reserve card (or another with Chase Ultimate Rewards). When you do, you can transfer rewards earned on Freedom Unlimited and redeem them for travel at a higher face value through Ultimate Rewards . (For example, instead of redeeming $200 cash back, the equivalent points might score you a $400 airfare). Read our complete","10 best cash back credit cards to improve your finances Cash back credit cards are a popular option because they pay you cash back for your purchases. Many cash back credit cards come with a cash back sign up bonus also, which even make the deal even better for you. We will give you detailed information about which cash back cards offer you the best deals.   Several cash back credit cards offer you a bonus in the form of a statement credit when you complete the spending requirement. Others cards offer a higher cash back percentage for specific spending categories. The Discover it cash back card offers a very attractive doubling of your first year cash back bonus at the end of your first year. We will help you to sort through the many cash back credit cards on the market so you can choose the best option(s) for you. These are our recommendations for the best cash back cards on the market today:   American Express Blue Cash Everyday Card         Sign Up Bonus : $100 after $1000 spend in 3 months   Annual Fee :  None                                                               Cash Back : 3% at supermarkets; 2% at gas stations and select department stores; 1% on all others Other Benefits: Car rental loss and damage insurance; Travel accident insurance Cash back is received as reward dollars, and you can redeem them for merchandise, gift cards, or a statement credit More Information & Application Link   American Express Blue Cash Preferred Card         Sign Up Bonus : $150 after $1000 spend in 3 months   Annual Fee :  $95                                                             Cash Back : 6% at supermarkets; 2% at gas stations and select department stores; 1% on all others Other Benefits: Car rental loss and damage insurance; Travel accident insurance; various shopping and entertainment benefits Cash back is received as reward dollars, and you can redeem them for merchandise, gift cards, or a statement credit More Information & Application Link   Bank Americard Cash Rewards                                   Sign Up Bonus : $150 after $500 spend in 3 months   Annual Fee :  None                                                           Cash Back : 3% at gas stations; 2% at grocery stores and wholesale clubs; 1% on all others Other Benefits:  10% bonus every time you redeem your cash back into a Bank of America checking or savings account More Information & Application Link   Barclays CashForward World Master Card                   Sign Up Bonus : $200 after $1000 spend in 3 months   Annual Fee :  None                                                           Cash Back : 1.5% on all purchases   Other Benefits: 5% redemption bonus every time you redeem your cash back; Master Card travel assistance services 24/7 More Information & Application Link   Chase Freedom Unlimited Card                                   Sign Up Bonus : $150 after $500 spend in 3 months   Annual Fee :  None                                                           Cash Back : 1.5% on all purchases   Other Benefits: You can convert your cash back to Chase Ultimate Rewards points to book free travel or discounted travel. You can combine your Ultimate Rewards points from the Freedom Unlimited card with points from other Chase credit cards . You can also use your cash back for purchases on Amazon or for gift cards. More Information & Application Link                                                                                                                                                                                                                                                                                                     Citi Double Cash Card                                                   Sign Up Bonus : $150 after $500 spend in 3 months   Annual Fee :  None                                                           Cash Back : 1% on all purchases + 1% on all payments (whether you pay all at once or over time) Other Benefits: A pass on your 1st late payment fee; trip cancellation and interruption protection; worldwide travel accident protection More Information & Application Link   Discover it Cash Back Card                                         Sign Up Bonus : None                                                 Annual Fee :  None                                                           Cash Back : 5% on rotating categories such as gas stations, restaurants, grocery stores... 1% all others Other Benefits: A  match dollar for dollar of all of your 1st year's cash back earned at the end of your first year, automatically. More Information & Application Link   Capital One Quicksilver Card                                         Sign Up Bonus : None                                                 Annual Fee :  $39                                                           Cash Back : 1.5% on purchases   Other Benefits: Extended warranty protection on products; auto rental insurance; travel accident insurance; 24/7 roadside assistance; price protection More Information & Application Link   Wells Fargo Cash Wise Visa Card                                   Sign Up Bonus : $200 after $1000 spend in 3 months   Annual Fee :  None                                                           Cash Back : 1.5% on all purchases; 1.8% on Android Pay or Apple Pay purchases in the 1st year Other Benefits:  cell phone protection from damage or theft if you pay your cell phone bill with the card; rental car collision damage waiver More Information & Application Link   Chase Freedom Card                                                   Sign Up Bonus : $150 after $500 spend in 3 months   Annual Fee :  None                                                           Cash Back : 5% on revolving quarterly categories that you activate; 1% on all others. Other Benefits:  extended warranty protection 1 year past manufacturers warranty; purchase protection up to $500 for 120 days for theft or damage. You can convert your cash back to Chase Ultimate Rewards points to book free travel or discounted travel. You can combine your Ultimate Rewards points from the Freedom Unlimited card with points from other Chase credit cards . More Information & Application Link   Any of the above cash back credit cards would be a good addition to your wallet. Depending on what bonus or benefit you are looking for, any of the above cash back cards can be useful in your finances.   Check here for the  Best Airline & Hotel & Travel Credit Cards   Other Airline & Travel Credit Card offers you might be interested in: Our Step By Step Guide To Earning Free Travel Get Higher Bonus Points on Amex Cards (Airlines, Hotel, Travel Cards) Book Hotels At Great Price & Support Our Missions Work 100,000 Hilton HHonors Bonus Points on Amex HHonors Surpass Card Until July 26 Increased Bonus of 60,000 or 70,000 Miles on Amex Delta Cards 60,000 Bonus Points Still Available on Chase Southwest Airlines Cards Best Credit Cards for the Chase Ultimate Rewards Travel Program Amex Business Gold Card Special 50,000 Membership Rewards Points Until Aug. 22 Higher 60,000 Miles Bonus Offer on Citi American Airlines AAdvantage Cards Special 50,000 American Airlines Miles Bonus on Barclays Avaitor Red Card   Happy Travelling !     Related","Instagram avtostudiia glianetsfacebook bleskinstagram bleskfacebook deteilingfacebook avtostudiia glianetsinstagram deteiling dear customers, please keep in mind that 5th of september is a bank holiday. However, article 96 of the family code states that in case of disagreement, the husbands decision shall prevail, subject to recourse to the court by the wife for proper remedy, which must be availed of within five years from the date of the contract implementing such decision. A typical monitoring visit, for example, might include time spent in the kitchens, workshops, accommodation blocks, recreation areas, healthcare centre and chaplaincy. I wasnt able to get both showing (i think this is a theme limitation of only being able to display one thing beside each individual comment... I still cant bring myself to pay for a dinner date and i cant bear to leave my flask at home when i head to the bars with friends. We then subtract an estimate of the number of commuters between those two tracts who currently bike to work. It is a huge perspective shift to undergo, coming from someone whos gone through it (and still considers it one of the most influential events in my life). We need to embrace the ue of signage a theu are the mot inexpensive but ure wau to convey the message to customers. The splendid and lavishly created dream called viridian vallis it has 40 towers, 21 villas, 2 clubhouses and a wide range of flats. You can find out if there have been problems reported on the lender from the better business bureau or your states attorney generals office... On the other hand, if uou do not know what uou are doing uou mau till some out with a custom sign that i terrible and look worse than if uou had let uour grandchild scribble the name of uour company on the front door with a crayon. However, customer service rankings arent the best, and you wont be allowed to take your business to independent car dealers that sell a variety of makes and models. Signs some in all sizes and shapes and san generally be made to anu shape uou specify, but uou need to think about the what uour sign will be ued for when determining the shape. But theres something different about, say, the visual arts, where that was possible, and it was done with small numbers. But they had some really quite remarkable achievements that have stood the test of time and lasted, and today have very high market value... Each tuesday evening, chef vittorio will be cooking savory pasta dishes at for our pasta on the patio event. It sounds like something that is charged when there is not enough evidence to support a conviction on the underlying felony itself. There were at least two other boats in the bay, too. The money will come after a patient blogging for almost 6 months or so, but surely itll come. I know this is a pretty straight forward question, but i dont want to get pegged by the irs 6 years from now and have to redo my taxes or pay some fine. They are of little value information wise and usually serve a sole purpose, to get you to join the opportunity (either immediately or by planting the seed). Bankruptcy is where an individual is unable to pay his or her debts. The quicker you pay off your debt, the less you will pay in interest...","Best credit cards 2018 On this page we publish the best credit card list. What should be considered when buying a credit card? We write information on this topic. In the best credit card list of the year 2018, first place is \"BankAmericard\". We have listed all the other credit cards in alphabetical order, except for the best credit cards. We provide information about the credit cards in the list when we receive it from the bank so that you can see the details by clicking. best credit cards 2018 Here is the best credit cards list : These listed Credit Cards offer features that best meet your credit needs. To choose a good Credit Card, you should look at what conditions Banks offer for their \"Interest rate\" and \"Payment options\". We have done a Credit Card comparison, and we have completed the necessary inspections. According to which we have identified the Best Credit Cards . If you want to make an application for the following Credit Cards, go to the relevant page and fill in a \"Credit Card Application Form\" and press the submit button. Your chosen Credit Card will be mailed to your home within one week. Bank Americard Credit Card Chase Freedom Unlimited Credit Card U.S. Bank FlexPerks Gold American Express Credit Card Barclaycard CashForward World Mastercard Credit Card Wells Fargo Cash Wise Visa Credit Card Hilton Honors Surpass Credit Card from American Express Chase Sapphire Preferred Credit Card BankAmericard Travel Rewards Credit Card BankAmericard Cash Rewards Credit Card Blue Cash Preferred Credit Card from American Express Citi Simplicity Credit Card Citi Diamond Preferred Credit Card Barclaycard Ring Mastercard Credit Card Ink Business Preferred Credit Card The Business Gold Rewards Credit Card from American Express OPEN Capital One QuicksilverOne Cash Rewards Credit Card Credit One Bank Unsecured Platinum Visa Credit Card Capital One Secured Mastercard Credit Card Discover it chrome for Students Credit Card We have prepared a list of credit cards for every country in the world. Below are the best credit cards listed alphabetically. All Credit Cards A alaska airlines visa platinum plus credit card Alaska airlines visa signature credit card amalgamated bank mastercard gold credit card amalgamated bank mastercard standard credit card agriculture federal credit union visa platinum agriculture federal credit union secured visa classic agriculture federal credit union visa classic air force federal credit union visa platinum credit card america's first fcu visa platinum pro arizona credit cardinals nfl extra points visa signature credit card atlanta falcons nfl extra points visa signature credit card amalgamated bank mastercard gold plus credit card amalgamated bank mastercard standard plus credit card amalgamated bank mastercard gold secured credit card amalgamated bank mastercard standard secured credit card amalgamated bank mastercard union credit card amalgamated bank mastercard union plus credit card armed forces bank visa credit card arvest premier corporate visa arvest elite purchasing visa credit card amazon.com rewards visa credit card associated bank visa platinum credit card associated bank visa signature bonus rewards credit card associated bank college rewards visa credit card atlantic stewardship bank visa platinum credit card astoria bank complete rewards visa credit card astoria bank platinum edition visa credit card american eagle outfitters inc. Credit card animal friends visa credit card aeromexico visa credit card aeromexico visa signature credit card abercrombie & fitch credit card arvest elite corporate visa arvest mastercard classic credit card arvest visa classic credit card arvest visa gold credit card arvest visa platinum credit card alaska airlines visa business credit card arvest premier purchasing visa credit card arizona diamondbacks bankamericard cash rewards mastercard credit card atlanta braves bankamericard cash rewards mastercard credit card aeromexico visa secured credit card ace rewards visa signature credit card ann taylor credit card ann taylor mastercard credit card ashley stewart credit card avenue credit card american eagle outfitters visa credit card associated bank visa signature bonus rewards plus credit card associated bank visa business credit card associated bank visa business bonus rewards plus credit card associated bank visa business bonus rewards credit card atlantic stewardship bank visa signature bonus rewards credit card atlantic stewardship bank college rewards visa credit card atlantic stewardship bank secured visa credit card atlantic stewardship bank visa business credit card atlantic stewardship bank visa business bonus rewards credit card atlantic stewardship bank visa business bonus rewards plus credit card aaa member rewards visa signature credit card agriculture federal credit union visa platinum america's first fcu visa platinum credit card america's first fcu visa platinum plus credit card america's first fcu visa secured credit card apple bank for savings complete rewards visa credit card apple bank for savings platinum edition visa credit card apple bank for savings secured visa credit card armed forces bank credit builder secured visa credit card amtrust bank american express cash back credit card amtrust bank complete rewards visa credit card amtrust bank platinum edition visa credit card astoria bank secured visa credit card atlantic stewardship bank visa signature bonus rewards plus credit card aarp credit card from chase astoria bank business edition visa credit card with absolute rewards astoria bank business edition visa credit card american savings bank business edition visa credit card american savings bank business edition visa credit card with absolute rewards american savings bank complete rewards visa credit card american savings bank platinum edition visa credit card american savings bank secured visa credit card ace rewards visa business credit card apple bank for savings business edition visa credit card apple bank for savings business edition visa credit card with absolute rewards atlantic stewardship bank cash rewards american express credit card atlantic stewardship bank travel rewards american express credit card ashley homestore credit card ariens get the gear credit card abt electronics & appliances credit card art van signature credit card abc warehouse credit card american signature furniture credit card amtrak guest rewards world mastercard credit card atlantic stewardship bank visa business cash credit card aacs american association of christian schools visa credit card anvil brand visa credit card arbor day foundation rewards visa credit card associated bank visa business cash credit card amtrust bank secured visa credit card american savings bank business secured visa credit card apple bank for savings american express cash back credit card allegiant world mastercard credit card B bank of akron mastercard credit card bank of akron visa credit card bank of america platinum plus for business mastercard credit card bankamericard secured visa credit card bass pro shops outdoor rewards platinum plus mastercard credit card bankamericard cash rewards visa signature credit card for the american medical student association (amsa) credit card baltimore ravens nfl extra points visa signature credit card banana republic credit card banana republic visa credit card barnes & noble mastercard credit card bloomingdale's credit card boston red sox bankamericard cash rewards","How We Rate Credit Cards At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees. Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.","Wang Ye Lie Yin  Nei Rong Lai Zi Wang Zhi : http://www.worldjournal.com/5115665/article-link/ Bu Chang Da Fei Ji Chu You ,Wai Chu Zhu Lu Guan Fan Dian De Ji Lu Ye Bu Gao ,Ban Hang Kong Gong Si Yu Fan Dian Lian Ming Qia De Xiao Yi Dui Wo Lai Shuo Bu Tai Gao ,Ping Shi Ji Dian De Su Du Ye Hen Man ,Yin Ci Gao Hong Li De Qia Pian Hao Xiang Ye Bu Tai Xu Yao . Zhen Dui Zhe Xie Ren ,Dao Bu Fang Kao Lu Fan Xian Xin Yong Qia ,Jiang Hui Kui Zhuan Wei Xian Jin Na Dao Shou Zui Wei Shi Ji .  Yi Xia Bi Jiao Ji Zhang Shi Mian Shang Huo Hao Ping De Fan Xian Qia ,Kan Kan Na Yi Zhang Zui Shi He Ni De Xiao Fei Mo Shi ,Zui Da Hua Na Xian Jin .  Barclaycard CashForward World Mastercard Blue Cash Everyday Card from American express Blue Cash Preferred Card from American Express Chase Freedom Unliminted Visa Card Wells Fargo Cash Wise Visa Card   Xiao Fei Men Jian : Blue Cash Everyday & Freedom Unlimited  Sheng  Mei Guo Yun Tong Qia Blue Cash EverydayJi Da Tong Freedom UnlimitedDe Xiao Fei Men Jian Shi Zui Di De ,Zhi Yao Zai Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $500Ji Ke Huo De Kai Qia Jiang Li ,Qi Yu 3Zhang Qia De Xiao Fei Men Jian Shi $1,000.  Kai Qia Jiang Li : Barclaycard & Wells Fargo Cash Wise  Sheng  Zhe Liang Zhang Xin Yong Qia Jie Zai Kai Qia Hou 3Ge Yue (Wells Fargo Cash Wise)Nei Huo Shi 90Tian (Barclaycard)Nei Xiao Fei Man $1,000Ji Ke Huo De $200De Xian Jin You Hui .  Er Mei Guo Yun Tong Qia De Blue Cash Preferred, Blue Cash EverydayJi Da Tong Freedom UnlimitedDe Kai Qia Xian Jin You Hui Shi $150. Zhi Shi FreedomQia E Wai Jia Ru De Di Yi Ge Shou Quan Shi Yong Zhe Ru Guo Ye Zai Tong Yang 3Ge Yue Nei Xiao Fei Ke De E Wai De $25Jiang Li .  Fan Xian Jiang Li E Du : Blue Cash Preferred  Sheng  Blue Cash Preferred Ti Gong Chao Shi Xiao Fei 6%De Gao E Fan Xian ,Yi Nian Zui Gao Fan Xian Zhi $6,000Hou Jiang Wei 1%. Jia You Yu Bai Huo Gong Si Xiao Fei 3%Fan Xian ,Qi Yu Xiao Fei Ze Shi 1%Fan Xian .  Blue Cash Everyday Ze Shi Chao Shi Xiao Fei 3%Fan Xian ,Tong Yang Yi Nian Zui Gao Fan Xian Zhi $6,000Hou Jiang Wei 1%. Jia You Yu Bai Huo Gong Si Xiao Fei 2%Fan Xian ,Qi Yu Xiao Fei 1%Fan Xian .  Well Fargo Cash WiseRen He Xiao Fei Du Shi 1.5%Fan Xian ,Bi Jiao Te Bie De Shi Shi Yong Shou Ji Android PayHuo Shi Apple PayXiao Fei ,Di Yi Nian Ke Xiang 1.8%Fan Xian .  Barclaycard Ren He Xiao Fei 1.5%Fan Xian .  Chase Freedom Unlimited Tong Yang Ye Shi Ren He Xiao Fei 1.5%Fan Xian .  Zui Chang  0% Nian Li Lu : Barclaycard & Freedom Unlimited   Sheng  BarclaycardJi Freedom UnlimitedJun Ti Gong 15Ge Yue Xiao Fei Jiao Fei 0%Nian Li Lu De Qia ,Shi 5Zhang Qia Zhong Zui Chang De . Qi Ta 2Zhang Qia Well Fargo Cash WiseJi Blue Cash EverydayZe Shi Du Ti Gong 12Ge Yue 0%Nian Li Lu . Zhi Yu Blue Cash PreferredZe Shi Yi Chi Qia Zhe Tiao Jian You 13.99%Zhi 24.99%De Nian Li Lu .  Wu Nian Fei  : Ping Shou  Chase Freedom Unlimited, Wells Fargo Cash Wise Card, Barclaycard CashForwardJi Blue Cash EverydayQia Du Shi Wu Nian Fei De Xin Yong Qia . Blue Cash PreferredZe Shi Di Yi Nian Wu Nian Fei ,Zhi Hou Mei Nian $95.  Te Se Fu Li : Barclaycard CashForward -Mei Ci Dui Huan Shi ,Hui You 5%De Xian Jin Dui Huan Jiang Li Hui Dao Zhang Hu Gong Xia Ci Dui Huan Shi Yong . Ye Ke Yi Jiang Xian Jin Jiang Li Cun Dao Ni De Yin Xing Zhang Hu (Xian Mei Guo Jing Nei Yin Xing ),$50Yi Shang Kai Shi Dui Huan ,Kan Zhu Yin Xing Hu Tou De Qian Shang Sheng ,Zhu Shi Ling Ren Kai Xin . Ling You Mian Fei Wang Lu Cha Yue FICOXin Yong Fen Shu ,Er Qie Ru Guo Fen Shu You Bian Dong Ye Neng Huo De Tong Zhi .  Chase Freedom Unlimited -Ru Tong Barclaycard CashForwardYi Ban ,Ke Yi Jiang Xian Jin Jiang Li Zhi Jie Cun Dao Ni De Yin Xing Zhang Hu (Xian Mei Guo Jing Nei Yin Xing ).  Blue Cash Everyday -Tui Huo Bao Hu ,Zhi Yao Shi Zai Mei Guo Jing Nei Yi Gai Xin Yong Qia Xiao Fei ,Zi Xiao Fei Ri Qi 90Tian Nei Yu Dao Dian Jia Bu Jie Shou Tui Huo ,Mei Guo Yun Tong Ke Yi Ti Ni Ban Li Tui Kuan . Mei Ge Dan Pin Zui Gao Tui $300,Yi Nian Zui Gao $1,000. Xiao Fei Bao Zhang ,Zi Xiao Fei Ri Qi 90Tian Nei ,Suo Gou Shang Pin Sun Huai Huo Shi Bei Tou ,Dan Bi Zui Gao Li Pei $1,000,Yi Nian Zui Gao $50,000(You Qi Ta Tiao Jian Xian Zhi ).  Blue Cash Preferred -Chu Liao Yu Blue Cash EverydayYi Yang You Tui Huo Bao Hu Yu Xiao Fei Bao Zhang Wai ,Zai Te Ding Cheng Shi De Yi Wen Huo Yu Le Huo Dong Ti Gong Mei Guo Yun Tong Qia You Du Jia De You Xian Gou Piao Shi Jian .  Wells Fargo Cash Wise-Ke Yi Zai Wells FargoQuan Mei Chao Guo 13,000Tai De ATMTi Kuan Ji Zhong Zhi Jie Ling Qu Xin Yong Qia De Xian Jin Jiang Li ,Zui Shao $20Qi ,Xian Jin Zhi Jie Na Zai Shou ,Gan Jue Zui Shi Ji . Ling Wai Ru Guo Shi Yong Xin Yong Qia Zhi Fu Shou Ji Zhang Dan ,Jiu Ke Huo De Mei Ci Zui Gao $600De Shou Ji Sun Huai Huo Bei Dao De Bao Xian Pei Chang ,Mei Nian Zui Duo Shen Qing Liang Ci ,You $25Zi Fu E . Mian Fei Wang Lu Cha Yue FICOXin Yong Fen Shu .    ; Copyright 2017 Shi Jie Xin Wen Wang -Bei Mei Hua Wen Xin Wen , Hua Shang Zi Xun . All rights reserved.","* Xian Shi Kai Qia Jiang Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $3,000Song 100,000Dian ,Kai Qia Man Yi Nian Ke Xiang Mian Fei Zhou Mo Ye Zhu Su Yi Wan (5/31/17Zhi ) *Ban Qia Zeng Song  Hilton Gold Jin Qia Hui Yuan (Hui Yuan Fu Li Bao Gua Mai Si Song Yi Di Wu Wan Zhu Su Mian Fei ,Yu 25%Dian Shu Hui Kui ) *Qi Xia Jiu Dian Zhu Su Mei $1De 12Dian |Mei Guo Jing Nei Can Ting , Chao Shi , Jia You Mei $1De 6Dian |Qi Ta Xiao Fei Mei $1De 3Dian  *Yong Ci Qia Zai Xian Shang Ding Qi Xia Jiu Dian Bing Fu Kuan Ke Zai De E Wai 500Dian Jiang Li Dian Shu  *Qi Xia Jiu Dian Fen Cheng 10Ge Deng Ji ,Zui Bian Yi Jiu Dian Dian Shu Dui Huan 5,000Dian /Wan ,Kai Qia Jiang Li Xiang Dang Yu Ke Huan 20Wan  *Mei Ge Ri Li Nian Xiao Fei  $40,000 Yi Shang Jiu Song Zuan Shi Qia Hui Yuan  *Nian Fei :$75(Shou Nian Xu Jiao Nian Fei )","* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the \"Apply Now\" button, you can review the credit card terms and conditions on the provider's website. + The Minimum Credit Needed provided by lenders represents their estimate of the minimum level of credit required to be eligible for the product. There is no guarantee that you will be approved by the lender or that credit will be extended to you.","VIDEO Barclaycard rewards mastercard(r) reviews | credit karma, Barclaycard rewards mastercard i have a bank of america allegiant mc, wells fargo cash wise visa, and a capital one quicksilver card.. Barclay cash card - page 2 - myfico(r) forums, Sam's club mc $25000 10,000 spend of barclay cash forward: it's a world mastercard what ever that means.. Barclaycard rewards mastercard reviews - wallethub, If you are interested in the barclaycard rewards mastercard about the barclaycard rewards gift with cash from the apple store, with $20 off because. 2017 barclaycard cashforward review: 1.5% worth ?, Read barclaycard cashforward review, view compares cashback credit cards, expert insight creditdonkey.. https://www.creditdonkey.com/barclaycard-cashforward-review.html Barclaycard arrival (tm) world elite - nerdwallet., But barclaycard arrival (tm) world elite apr: 16.99%, 20.99% 23.99% variable apr; cash advance redeem travel cash statement. https://www.nerdwallet.com/blog/credit-cards/barclaycard-arrival-plus-world-elite-mastercard-review/ Barclaycard cashforward credit card $200 bonus cash promotion, Barclaycard cashforward world apply barclaycard cashforward(tm) world mastercard(r) earn $200 cash bonus spend $1,000 20.99% 25.99%. https://www.maximizingmoney.com/credit-cards-offer-deals/barclaycard-cashforward-credit-card/ Relate Article","By far the best card I carry and the card I use for virtually everything.  I have had this card for more than four years now and have yet to experience a single problem,  In fact, the list of reasons to use it seems to grow each year.  Here are the pros I have experienced: 1)  Superior website with detailed information on each transaction.  Year end detailed statement with category breakdown makes doing your income taxes a snap. 2)  Decent point accumulation.  I get one point for everything and two points on gas/groceries/dining out.  Since this is my everyday spending card, the points accumulate rapidly. 3)  Excellent fraund notification/protection and resolution.  For those odd times I make a large purchase and the transaction is temporarily blocked to confirm identitiy, they send an instant text message which you can resolve with a quick phone call or a simple \"yes this is me\" click.  I have two other cards that have much more cumbersome validation processes. I read some of the negative reviews and felt compelled to share my experience.  Some posters appear to have had credit line cuts due to universal default, but every credit card company follows these rules and it is not specific to Barclaycard.  My credit score has fluctuated from a low of 620 to a high of 738 per CK and they have never reduced my line of $10,000 in the four years I've carried this card.  Just so there is no mistake that I've not experienced other cards/companies, I have a Bank of America Allegiant MC, Wells Fargo Cash Wise Visa, and a Capital One Quicksilver card.  Barclaycard has been superior to all of these in every respect. They have been excellent to me, and I would wholeheartedly recommend them to family and friends.","Top 70 Ways To Earn Extra Cash Online. The No. 1 rule of personal finance is to spend less than you earn. So if you want to get ahead financially, it's important to save money where you can. But if you really want to improve your finances, there's the flip side of that equation to consider as well - making more money. Here's the truth no one wants to talk about: Learning how to make money can improve your finances in ways that saving money simply cannot. There are only so many ways to save, but there are an unlimited number of ways to earn extra money you can use to pay down debt, save for the future, or actually have some fun. 1. Watch YouTube-Like Videos The folks over at InboxDollars will actually pay you to watch videos! Now, most of them aren't as entertaining as the Grumpy Cat series, but you're getting paid -- so who cares? The videos are sponsored by brands who need to get them in front of as many eyeballs as possible. Every time you watch one of the ads InboxDollars will credit your account with a little bit of cash. You'll get a free $5 just for signing up. 2. Stop Deleting Your Emails It turns out that deleting your emails could be costing you serious money. Intrigued? My new secret weapon is called Paribus -- a tool that gets you money back for your online purchases. It's free to sign up for Paribus. Once you do, they will scan your email archives for any receipts. If it discovers you've purchased something from Amazon, Target or one of the other 16 retailers listed on their website, it will track the item's price and issue you a refund anytime there's a price drop! You don't have to do anything! It also checks the tracking info for your online orders. If something shows up late, Paribus will help you get money back for what you paid for shipping -- up to a full shipping refund. 3. Fill This Out While You're Watching TV Most of you know surveys aren't our favorite way to make extra money, but we make an exception when we're just vegging out on the couch. We figure as long as we're just watching TV, there's no reason we can't click a few buttons at the same time. Vip Voice and Mypoints are two of the only legitimate paid survey companies out there (they're rated an A+ with the Better Business Bureau). Some of these sites do pay in points instead of cold, hard cash, but you can use those points to purchase gift cards with actual cash value. Should you prefer cash over the cards, you can turn around and sell any gift cards you earn. 4. Earn Up to $60/Hour as a Part-Time Bookkeeper Does earning $60 an hour sound appealing? How about the freedom to work remotely while helping others succeed? Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers. And no, you don't have to have a CPA to be successful in this business. In fact, all you really need are decent computer skills and a passion for helping business owners tackle real-world problems. It's a great opportunity for moms who want to work part time, millennials who are just out of college and anyone who wants to bring in real money while working from home. We talked to Ben Robinson about what it takes to become a virtual bookkeeper, as well as tips and advice for making this career track work for you. 5. Drive with Uber and Lyft If you find solace on the road and enjoy finding the best route across town, driving with Uber and Lyft is a great way to do it! As an Uber contractor, you're responsible for setting your schedule and motivating yourself to work -- no one is keeping tabs on you. Your earnings will be calculated by adding a base fare, plus time and distance traveled after your pickup, and Uber charges a service fee (20-35% depending on your city). If you want to give it a try there are a few things to keep in mind. You must be at least 21 years old, have three years of driving experience, have an in-state driver's license, a clean driving record and be able to pass a criminal background check. Finally, your car must be a four-door, seat at least four passengers (excluding the driver), be registered in-state and be covered by in-state insurance. If you don't have a car that meets the requirements, Uber's Vehicle Solutions can connect you to options to help you find one from their network of partnerships. In participating markets, you could rent a vehicle by the week - a simple way to dip your toes into rideshare driving. If you qualify, you could also apply for a flexible lease with unlimited mileage and payments deducted directly from your Uber earnings. Ready to buy new? Driving with Uber could get you a discount on eligible vehicles. Since it's simple to switch between apps, many Uber drivers also sign up to drive with Lyft. The company recently announced it's expanding into 100 new cities this year. Expansion areas include the Southwest, the Southeast, the Carolinas, the Rockies, the Midwest, New England and Central California. To be eligible, you'll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later. 6. Download These Apps A number of companies will actually pay you for downloading apps on your smartphone -- and you'll get paid for every month you keep them installed. The apps collect data and help companies better understand web and mobile usage -- such as what times of day people browse, how long they stay on websites and use apps, and what types of sites and apps are popular (or not). + Nielsen Panel - If you have a PC or laptop, this Nielsen panel will pay you $50/year to keep this software on your computer and browse the web like you normally do. + MobileXpression for Android - After you've installed this app for one week, you get to play an instant rewards game for a prize (everyone wins something). I won a $25 Amazon gift card, but some of the other prizes include iPads & Samsung TVs. + MobileXpression for iPhones - This one is the same, but for iPhones. + SavvyConnect -- You can earn $5 per device (phone, tablet or computer) for each month SavvyConnect is installed. That's a total of up to $180 per year to help rank the most popular sites and apps. Make sure you keep it installed at least a month to get your first $5 per device. 7. This App Pays You to Go On Secret Missions Remember scavenger hunts when you were a kid? Ever pretend you were a private investigator on an important mission? Don't let a few years get in the way of your fun. QuickThoughts turns your cell phone into private-eye technology, taking you on top-secret missions in your area. Was that CVS you visited last month clean? How do the lines look at that McDonald's you've stopped by for lunch? QuickThoughts Missions relies on your input -- and sneakily-taken cellphone photography -- to give businesses important feedback. And like any respectable PI, you get paid for your investigative footwork. Pretending as an adult is looking better and better! Using your phone's GPS technology, the app will prompt you for information from places you've visited in the past few weeks, as well as places it detects you're visiting right now. It even has missions you can accept and complete in the future. For instance, it might prompt you to go to your local Walgreens and snap a photo of the seasonal display. And you'll earn valuable gift cards for Amazon and iTunes while you're at it. Are your closets and shelves packed to the brim with stuff you never use --","State Farm Rewards Visa Credit Card VS Wells Fargo Secured Visa Credit Card State Farm Rewards Visa Credit Card Wells Fargo Secured Visa Credit Card Reviews 4  (2) Review Card 2.5  (2) Review Card About The State Farm Rewards Visa Credit Card is issued by State Farm Bank and offers its holders a generous point rewards ... Read more about State Farm Rewards Visa Credit Card Wells Fargo Secured Visa Credit Card is designed for those, who wants to build their credit. How does this card work?... Read more about State Farm Rewards Visa Credit Card Rewards 1X point for every $1 spent on eligible purchases. 3X points for every $1 spent on insurance premium payments (up to $4,000 annually). None Signup Bonus 0% introductory APR on purchases and balance transfers in the first 12 months after opening an account. None Annual Fee None $25 Cash Advance APR 20.49% variable according to the Prime Rate 24.24% Late Payment Fee Up to $37 Up to $37 Purchases APR 13.49%-20.49% APR based on creditworthiness and Prime Rate. 19.24% Make Another Comparison Related Content","Barclaycard CashForward(tm) World Mastercard(r) Essentials The Barclaycard CashForward(tm) World Mastercard(r) gives you all the simplicity of a flat-rate cash-back rewards credit card with an added opportunity to earn bonus cash-back when you redeem your rewards. The Barclaycard CashForward(tm) World Mastercard(r) offers unlimited 1.5 percent cash back on all your purchases, all the time. Plus, you can earn an introductory $200 cash back after you spend $1000 within the first 90 days from account opening - that's a low spending threshold when it comes to introductory cash-back offers. Flat-rate credit cards are having a moment, and the Barclaycard CashForward(tm) World Mastercard(r) is certainly competitive in that market with its 1.5 percent cash-back rate; however, this card actually offers you an additional 5 percent cash back on any amount you redeem, to be paid as part of your next redemption. For example, if you spend $600 on your Barclaycard CashForward(tm) World Mastercard(r) each month at the grocery store, you'd earn $108 cash back annually just based on the 1.5 percent rate. Then, when you redeem that $108 you'll earn an additional $5.40 toward your next redemption. In other words, get to earning and get to redeeming. Key features of the Barclaycard CashForward(tm) World Mastercard(r) Earn 1.5 percent on every purchase; there are no special rewards categories to track. Redeem your cash rewards for a deposit into a bank account, for a statement credit or for gift cards. Receive a 5 percent cash-back bonus to be applied to your next redemption each time you redeem. Take advantage of a 0 percent APR on balance transfers for 15 months (when made within the first 45 days of account opening). There's no annual fee. In addition, as a Barclaycard CashForward(tm) World Mastercard(r) cardholder, you'll enjoy $0 fraud liability protection on unauthorized purchases and free online access to your FICO credit score. What Our Editors Like Most About the Barclaycard CashForward(tm) World Mastercard(r) The best feature of flat-rate cash-back credit cards like Barclaycard CashForward(tm) World Mastercard(r) is that they are easy to use and allow even cardholders who don't want to think too hard about their credit card usage an opportunity to rack up rewards. With the Barclaycard CashForward(tm) World Mastercard(r) , you earn unlimited rewards at a rate of 1.5 percent cash back on every single purchase; there are no categories in which you earn higher rewards as some other cash-back credit cards offer, but that means you also don't have to keep up with those categories or sign up quarterly for the bonus cash back. So the Barclaycard CashForward(tm) World Mastercard(r) is a straightforward way for card customers to earn cash back rewards. With no annual fee, you will be truly rewarded for each purchase that you make with the Barclaycard CashForward(tm) World Mastercard(r) without having to pony up an annual fee each year. And because the cash-back rewards are unlimited and don't expire, there is no rush to use them even as they continue to accumulate. The Barclaycard CashForward(tm) World Mastercard(r) also comes with a 0 percent APR offer on purchases and balance transfers made within 45 days of account opening for 15 months after card opening, which is nice if you have balances with other credit cards you want to consolidate and pay off over time. Sweetening the deal a bit, the Barclaycard CashForward(tm) World Mastercard(r) has a couple of additional rewards perks that do set it apart from the other flat-rate cards that have arrived on the scene. The introductory cash-back bonus offer of $200 after spending $1000 on the card within the first 90 days of card ownership is both generous and a offers a low spending bar. The real shining star feature, though, is that each time you redeem your rewards, whether for cash back, gift cards or statement credit, you'll receive an additional 5 percent cash back to use toward your next redemption. So if you redeem rewards for a $50 statement credit, you'll automatically receive $2.50 to be applied toward your next redemption. Getting an extra 5 percent cash-back award each time you redeem is a unique perk and one that sets the Barclaycard CashForward(tm) World Mastercard(r) apart from other cash-back credit cards. Potential Downsides of the Barclaycard CashForward(tm) World Mastercard(r) The pluses of this card are many, including the lack of annual fee, but there are a few other fees to keep in mind. In particular, the Barclaycard CashForward(tm) World Mastercard(r) charges a 3 percent foreign transaction fee on all purchases made while abroad, so you might not want to pack this card for your next overseas trip. Also, you'll pay 3 percent (not less than $5) on each balance transfer, even during the introductory period. As mentioned before, the Barclaycard CashForward(tm) World Mastercard(r) doesn't offer rotating or tiered categories like many other cash-back cards do, so it will likely take you a bit longer to earn rewards with the Barclaycard CashForward(tm) World Mastercard(r) . If you're organized enough for a rotating or tiered rewards structure, you certainly stand to earn more cash back, more quickly with those options. But if \"slow and steady wins the race\" is your motto, flat-rate cash-back credit cards like the Barclaycard CashForward(tm) World Mastercard(r) are certainly worthwhile options that will net you some solid rewards over time. How the Barclaycard CashForward(tm) World Mastercard(r) Compares to Other Cash-Back Cards Barclaycard CashForward(tm) World Mastercard(r) vs. Blue Cash Everyday(r) Card from American Express Like the Barclaycard CashForward(tm) World Mastercard(r), the Blue Cash Everyday(r) Card from American Express (American Express is a cardratings.com advertiser) charges no annual fee and there is an opportunity for new customers to earn $100 cash back in the card account's first three months, though the spending threshold to earn that bonus is higher at $1,000. Unlike the Barclaycard CashForward(tm) World Mastercard(r), the Blue Cash Everyday(r) Card from American Express is a tiered cash-back rewards card, so your rewards-earning potential could be much greater if the categories fit your regular spending habits. With the Blue Cash Everyday(r) Card from American Express , you'll earn 3 percent back at U.S. supermarkets on up to $6,000 in spending annually (1 percent after that), 2 percent back at U.S. gas stations and select U.S. department stores and 1 percent on all other purchases. The Barclaycard CashForward(tm) World Mastercard(r) and the Blue Cash Everyday(r) Card from American Express both offer an introductory 0 percent APR period, but the Barclaycard offer is for 15 months on balance transfers and purchases, whereas the Blue Cash Everyday(r) Card from American Express offer is for 12 months on purchases and balance transfers (the APR jumps to 13.99%-24.99% Variable after the intro period for the American Express card). Barclaycard CashForward(tm) World Mastercard(r) vs. Wells Fargo Cash Wise Visa(r) Card The Wells Fargo Cash Wise Visa(r) Card is another flat-rate card that gives cardholders the opportunity to earn unlimited cash-back rewards at a rate of 1.5 percent. As an introductory bonus, it offers the opportunity to earn 1.8 percent cash back on Android Pay(tm) or Apple Pay(tm) mobile wallet purchases made within the first 12 months from account opening. Even if you routinely use Android Pay(tm) or Apple Pay(tm), you'll earn more rewards long-term with the 5 percent redemption bonus offered by the Barclaycard CashForward(tm) World","http://www.credit-land.com/news/ 2017-09-18T11:30:23+00:00 daily 1.0 http://www.credit-land.com/news/navy-federal-rolls-out-a-new-american-express-credit-card-4844.html 2017-09-18T10:25:24+00:00 monthly 0.2 http://www.credit-land.com/news/the-number-of-compromised-debit-cards-is-on-the-rise-4842.html 2017-09-15T07:35:39+00:00 monthly 0.2 http://www.credit-land.com/news/banks-donate-to-hurricane-irma-4839.html 2017-09-14T09:53:50+00:00 monthly 0.2 http://www.credit-land.com/news/earning-cash-back-with-groupon-plus-4836.html 2017-09-13T07:43:06+00:00 monthly 0.2 http://www.credit-land.com/news/the-new-blue-delta-skymiles-credit-card-unveiled-4834.html 2017-09-12T09:20:58+00:00 monthly 0.2 http://www.credit-land.com/news/cyber-attack-at-equifax-4831.html 2017-09-11T08:02:26+00:00 monthly 0.2 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http://www.credit-land.com/news/person-to-person-payment-with-zelle-4699.html 2017-07-03T13:01:52+00:00 monthly 0.2 http://www.credit-land.com/news/gas-prices-down-dining-and-shopping-are-up-4087.html 2017-06-30T11:35:36+00:00 monthly 0.2 http://www.credit-land.com/news/some-mobile-banking-apps-score-better-with-consumers-than-others-4683.html 2017-06-30T11:09:41+00:00 monthly 0.2 http://www.credit-land.com/news/americans-love-their-credit-cards-1148.php 2017-06-30T10:33:07+00:00 monthly 0.2 http://www.credit-land.com/news/amex-beats-others-in-customer-satisfaction-1183.php 2017-06-30T10:30:40+00:00 monthly 0.2 http://www.credit-land.com/news/banks-and-credit-issuers/american-express-ranks-highest-in-customer-satisfaction-for-the-sixth-consecutive-year-1598.html","No signing up and free of charge - Online Mobile Recharge Prepaid Mobile Recharge on FreeCharge Posted: 17 Feb 2017, 05:23 Author: Weryga Without Prime, a book, for example, can cost.80 to be delivered and a DVD.50. Capital One Quicksilver Cash Rewards Credit Card 0 9 months.49 -.49 Variable, wells Fargo Cash Wise Visa Credit Card 0 12 months.74 -.74 Variable, chase Freedom 0 15 months.49 -.24 Variable. These can include (but arent limited to) gas, groceries and restaurants. The second option is a no-fee introductory period. Sending large files in this manner is a lot more convenient, as there are no CDs, DVDs or memory sticks involved and one can break free from the 10MB upload limit set by most email providers. When she complained, she was refunded the money less 6 (no explanation was given for the deduction and Sue didnt pursue it with Amazon) and then had to wait days for it to be returned to her account. Upgrades are charged on a prorated basis. Sometimes, you dont want to worry that your rewards program pays you back enough to justify the annual fee. What happens when I reach 500 contacts on a free plan? 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Just make sure you check the annual fee on each one! Globally, membership has jumped 53 per cent in the past year alone. But how many of those who are paying for it really want it and how many, like Kirsten, have subscribed by mistake? MLB BankAmericard Cash Rewards MasterCard 0 12 billing cycles.49 -.49 Variable, bankAmericard Travel Rewards Credit Card 0 12 billing cycles.49 -.49 Variable, barclaycard CashForward World MasterCard. This is the period in which the receiver can access the file(s) at any time and download them with ease regardless of the device. When your trial runs out, you can choose a plan that suits your needs to continue sending out your newsletters. For less fuss, you can find travel rewards programs with a flat rewards percentage across all categories. But thats not the point and its put a real dampener on my faith in Amazon you dont expect a big, established company to behave like that. 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Is hookupclub a sex dating site Free malaysiansexdating com Flirt dating sites for sex Sexdating free on skype Free sexdating site no credit card or Other dating Part 2 - S/mime certificates: what they are, how they work and how to obtain one free of charge. Since I already have an account with them, when I tried to sign up for another account for the purposes of this blog post, my account was held up for review. Get free tech support to setup your merchant account. Sexul hookup in kolkata Free chat live sex meet up fuck Best sex dating in rochester ny Sitemap","x Close","Barclaycard CashForward(tm) World Mastercard (r) Review Full Review: As Barclaycard's first inroad to the cash back card market, Barclaycard CashForward(tm) World Mastercard (r) is a very strong choice. It starts off with an unlimited 1.5% cash back all on your purchases. The flat cash back rate is convenient because it means you don't need to worry about signing up for special categories each quarter, or about earning different percentages in different categories. You'll also earn a huge $200 bonus after spending $1,000 on the card in the first 90 days. In addition, the card offers a lengthy 0% intro APR on purchases and balance transfers. On top of all these great cash back rewards, Barclaycard CashForward(tm) World Mastercard (r) offers an ongoing 5% bonus each time you redeem your rewards, which you can use towards your next cash back redemption. For example, after redeeming $100 in rewards you'll earn an extra $5 which will be deposited into your Rewards account. This is a great ongoing bonus, bringing your total effective earnings to about 1.575%. The card does have a minimum redemption of $50, which is slightly higher than that of comparable cash back cards (typically about $25), but for the extra 5% bonus it's worth it. You do need excellent credit to qualify for this card, so if your credit report is less-that-perfect, consider the Wells Fargo Cash Wise Visa Card , which only requires good credit, offers a $200 bonus and has great cash back rewards. Barclaycard CashForward(tm) World Mastercard (r) also features a 15-month 0% intro APR on purchases and balance transfers, which is nice if you want to save money on interest fees on new purchases or by consolidating balances from other high-APR cards onto this one. If you'd like to take advantage of the balance transfer APR, you do need to transfer your balances within the first 45 days of card ownership, and there is a 3% balance transfer fee. There is no annual fee, but the card does have a foreign transaction fee, so if you plan on using it internationally it may not be the best choice. Overall Barclaycard CashForward(tm) World Mastercard (r) is a good cash back card choice, especially if you'd enjoy a generous $200 intro bonus, want a card with a flat cash back rate, and would like to take advantage of a 0% intro APR on purchases and balance transfers. Highlights from Barclaycard Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers No annual fee Redeem Rewards Fees and APR Annual Fee: $0. Foreign Transaction Fees: 3% Purchase APR: 0% for 15 months, then 15.99%, 20.99% or 25.99% Variable. Balance Transfer APR: 0% for 15 months (on balance transfers made within 45 days of account opening), then 15.99%, 20.99% or 25.99% Variable. Balance Transfer Fee: 3%, Minimum $5. Apply for a Barclaycard CashForward(tm) World Mastercard (r)","Wells Fargo Cash Wise Visa(r) Card Essentials Launched in June 2016, the Wells Fargo Cash Wise Visa(r) Card jumped into the popular flat-rate cash-back credit card market with its offer of unlimited 1.5 percent cash back on all your purchases. But this card from Wells Fargo, the bank known for its stagecoach logo, offered something a bit different to set it apart from the other flat-rate cards on the market: Cardholders can earn 1.8 percent cash back on their Android Pay(tm) or Apple Pay(tm) mobile wallet purchases made during the first 12 months from account opening. Plus, new cardholders can earn a $200 cash-rewards bonus after spending $1,000 on the card within the first three months. The Wells Fargo Cash Wise Visa(r) Card comes with no annual fee, making it an easy card to carry even if you aren't a heavy credit card user. You have nothing to lose in that there's no annual fee to offset by earning maximum rewards. And who doesn't appreciate getting something for nothing? Additionally, you can take advantage of a 0 percent APR for 12 months on purchases and balance transfers (then, 13.99%-25.99% (Variable) ), so the Wells Fargo Cash Wise Visa(r) Card could be worth checking out if you have credit card debt you'd like to consolidate or a large purchase you'd like to make in the near future. What Our Editors Like Best about the Wells Fargo Cash Wise Visa(r) Card According to Wells Fargo, the Wells Fargo Cash Wise Visa(r) Card was launched for the nearly 60 percent of consumers who charge almost everything they buy in order to earn rewards and the 36 percent who say cash rewards are their favorite. And it goes above and beyond in terms of offering those customers plenty of flexibility in how they can redeem their rewards for cash. With the Wells Fargo Cash Wise Visa(r) Card , cash rewards can be redeemed: The Wells Fargo Cash Wise Visa(r) Card also gives cardholders an easy way to manage their cash-back rewards. Through Cash Track , a new feature available exclusively to Cash Wise cardholders through Wells Fargo's Online Banking, cardholders can view cash rewards, set a cash rewards goal, track progress, view lifetime cash rewards earnings and redeem rewards. There is lots to like about the Wells Fargo Cash Wise Visa(r) Card , especially for credit card users who seek simplicity when it comes to rewards. With the flat 1.5 percent cash back, you don't have to think about rotating categories or purchasing caps. Plus, there's that unique offer of an even higher introductory rewards opportunity of 1.8 percent for the first 12 months for cardholders who are tech-savvy and like to pay with an Android Pay(tm) or an Apple Pay(tm) mobile wallet. There's also a neat little perk of getting up to $600 protection on your cellphone against damage or theft, of course subject to a $25 deductible, whenever you use your Cash Wise Visa(r) Card to make your monthly cellphone payments. And, just for good measure, you can take advantage of a 0 percent APR on purchases and balance transfers for 12 months (then, 13.99%-25.99% (Variable) ). Between the intro APR offers, the easy-to-understand rewards and great flexibility in how you can redeem your cash back rewards, the Wells Fargo Cash Wise Visa(r) Card is an excellent option for cardholders in the market for a new cash-back credit card. Potential Downsides of the Wells Fargo Cash Wise Visa(r) Card This is a flat-rate rewards card, which means you'll accrue steady rewards, but not necessarily write-home-about rewards. If you know you have the organizational prowess and determination to use a rotating categories cash-back card, you'll likely earn greater rewards going that route. Additionally, this probably isn't the card you'll want to use when you travel abroad as there is a 3 percent foreign transaction fee charged on each purchase made outside the United States. Lastly, if you plan to take advantage of the 0 percent APR intro on balance transfers (then, 13.99%-25.99% (Variable) ), be aware that you'll pay either $5 or 3 percent of the amount of the balance transfer. After the intro period, the balance transfer fee jumps to 5 percent or $10 of each transfer. How Wells Fargo Cash Wise Visa(r) Card Compares to Other Cash-back Cards Wells Fargo Cash Wise Visa(r) Card vs. Blue Cash Preferred(r) Card from American Express Unlike the Wells Fargo Cash Wise Visa(r) Card, the Blue Cash Preferred(r) Card from American Express (American Express is a CardRatings advertiser) features cash-back rewards in tiered categories, so your earning potential could be greater with the Amex card if you spend often in the bonus categories. You'll earn 6 percent back on purchases at U.S. supermarkets (up to $6,000 in purchases annually, then 1 percent after that); 3 percent at U.S. gas stations and select U.S. department stores and 1 percent back on all other purchases. The Blue Cash Preferred(r) Card from American Express does come with a $95 annual fee, though through a special offer it is waived for the first year. Wells Fargo Cash Wise Visa(r) Card vs. Chase Freedom Unlimited(r) Chase Freedom Unlimited(r) is another flat-rate cash-back credit card; as with the Wells Fargo Cash Wise Visa(r) Card, you'll earn an unlimited 1.5 percent cash back on all your purchases. The Chase Freedom Unlimited(r) features an intro bonus offer of $150, but only requires you to spend $500 in the first three months to earn that reward. Still, the Wells Fargo Cash Wise Visa(r) Card offers both a $200 bonus offer as well as bonus cash back if you use Android Pay(tm) or Apple Pay(tm) mobile wallet for the first 12 months. Since neither card has an annual fee, the decision here might come down to whether you already have a relationship with Wells Fargo or if you want to combine Chase Ultimate Rewards(r) earned with your Chase Freedom Unlimited(r) with another credit card in the Chase family. Wells Fargo Cash Wise Visa(r) Card vs. Barclaycard CashForward(tm) World Mastercard(r) Neither the Wells Fargo Cash Wise Visa(r) Card nor the Barclaycard CashForward(tm) World Mastercard(r) charges an annual fee, and both cards come with 0 percent offers for new customers on balance transfers - 15 months for the Barclaycard CashForward(tm) World Mastercard(r) compared to 12 months with the Wells Fargo card (then, 13.99%-25.99% (Variable) ). You'll earn 1.5 percent cash back on all your purchases with either card, though the Barclaycard CashForward(tm) World Mastercard(r) offers a 5 percent cash rewards redemption bonus each time you redeem. For example, if you redeem a $50 reward, $2.50 will be applied toward your next redemption, so the rewards are slightly better with the Barclaycard. As far as downsides, you'll pay a 3 percent foreign transaction fee with either card. With the Barclaycard CashForward(tm) World Mastercard(r) , you can redeem your cash rewards for a deposit into a bank account, for a statement credit or for gift cards, but the Wells Fargo card certainly wins out when it comes to redemption options. That \"redeeming via ATM withdrawal\" is truly unique. Who Should Get the Wells Fargo Cash Wise Visa(r) Card Credit card customers looking for an affordable credit card that offers easy-to-understand cash-back rewards should take a close look at the Wells Fargo Cash Wise Visa(r) Card . With no annual fee and a generous 0 percent offer on purchases and balances for 12 months (then, 13.99%-25.99% (Variable) ), the Wells Fargo Cash Wise Visa(r) Card is a decent choice. Its reward rate is competitive with other flat-rate cards at 1.5 percent and the added boost to 1.8 percent for a year","Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review   Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening with the Barclaycard CashForward TM World MasterCard (r) . Earn unlimited 1.5% cash rewards on every purchase and there's no annual fee.  Full Review   CIT Bank is offering a great rate with their online Premier High Yield Savings account, which is available nationwide. You'll receive a 1.35% APY rate on balances up to $100,000 and a 1.30% APY rate on balances over $100,000.  This Savings account offers one of the best rates in the nation. Full Review","Best Credit Card Sign-Up Bonus Offers September 2017 By: Tony Phan | Last Updated: September 19, 2017 | This content is not provided or commissioned by the issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program. Please visit our Advertiser Disclosure for additional details.","For those looking for a Barclaycard, we have put together the best list of Barclaycard promotions, points and cash back, no annual fee, 0% introductory APR on balance transfers and purchases, and travel miles credit cards that are geared toward travelers. They may be new to the U.S market, but Barlcaycard(part of the Barclays Group) is one of the most stable financial institutions in the world. They have both MasterCard and Visa cards along with partners from such airlines as US Airways, Lufthansa and Frontier Airlines to offer rewards and bonus points promotions. See our list of best credit cards ! Things To Know About BarclayCard Credit Card: TransUnion credit bureau- Barclaycard . This can be a big plus to disperse your hard pulls through the three credit bureaus. There is a no annual fee version for most of the Barclaycard credit cards . This could be an option if you want to increase your average age of accounts. You can downgrade to this version as well. The time your minimum spend must be met begins as soon as your card is approved . It's very uncommon for them to match-up with a higher bonus, but It's definitely worth a call. Retention Offers seem to vary . Some card, you can get the annual fee waived. Barclaycard does a lot of targeted offers though. They send out a lot of targeted spending offers , via email or mail. They expedite your credit card , but expect a fee of $29.95. This fee can sometimes be waived with reasoning. Barclaycard branded cards sign up bonuses will post with the transactions that meet the minimum spending req.  On the other hand, their co-branded cards will post after the statement closes. If you're not approved for a Barclaycard credit then call their reconsideration department . They won't issue you an instant credit card number. Distributing Credit between cards is slightly awkward . Most likely, they'll offer this when you open a new card or close an old card. It'll be a soft pull. Your annual fee can be refunded, just cancel your card within 60 days that the annual fee has been posted. Barclaycard does offer credit limit increases on a regular basis, but establishing one by your own means will result in a hard pull.  Make sure you ask beforehand because most representatives will do a soft pull inquiry. The amount of credit cards you can have with them won't have a hard limit placed.  Be sure to wait six months in between new applications. Put some spending on your previous cards as well. Pre-approved offers can be viewed online . They don't usually offer any higher bonuses with the offers online though. Cards support chip & PIN functionality.  This is a really useful perk for individuals that frequently travel international. This provides reliability with every purchase. Barclaycards merged by multiple inquiries will be a single hard pull , only if made on the same day. usually only one will be auto-approved and there's a maximum of three cards. It can be complicated to get multiple cards approved. They'll usually waive balances of under $1. Your statement balance will be reported to credit bureaus for your credit utilization rate . Pay your credit card before your statement closes to lower your credit utilization rate Barclaycard Promotions: Barclaycards Bonus/Key Features Spending Requirement/Terms Annual Fee Review Barclaycard Arrival Plus(tm) World Elite MasterCard(r) 60K bonus miles Make first purchase in 3 months $95 Review Barclaycard Arrival Plus(tm) World Elite MasterCard(r) 50K Miles/$500 Statement Credit $3,000 in 90 days $0 for 1st year, then $89 Review BarclayCard AAdvantage(r) AviatorTM Red MasterCard(r) 50,000 Bonus First purchase $95 Review AAdvantage(r) Aviator(tm) Silver World Elite MasterCard(r) $195 Review Barclaycard CashForward TM World Mastercard(r) $200 Cashback $1,000 in 90 days $0 Review Frontier Airlines World MasterCard(r) 40K Miles $500 in 3 months $69 Review Barclaycard Lufthansa Miles & More(r) World Elite MasterCard(r) 50K Miles $5,000 in 3 months $89 Review Barclaycard Wyndham Rewards 45K Points Make one purchase + $1,000 in 3 months $75 Review Barclaycard Lufthansa Miles & More (Targeted) 35K Miles $1,000 in 3 months $89 Review Barclaycard JetBlue Plus Card 30K Points $1,000 in 90 days $99 Review Barclaycard Wyndham Rewards 15K Points Make one purchase $0 Review Choice Privileges(r) Visa Signature(r) Card 8K+ 32K Points Make one purchase+ $1,000 in 90 days $0 Review Barclaycard JetBlue Card 10K Points $1,000 in 90 days $0 Review Carnival TM World MasterCard(r) 10K Make one purchase $0 Review Holland America Line Rewards Visa(r) Card 5K Points Make one purchase $0 Review Priceline Rewards(tm) Visa(r) Card 5k Points/$50 Make one purchase $0 Review Princess Cruises(r) Rewards Visa Card 5K Princess Points Make one purchase $0 Review Barclaycard Diamond Resorts 2,500 Diamond Plus Points Make one purchase $0 Review Barnes & Noble MasterCard(r) $25 Gift Card Make one purchase $0 Review L.L.Bean Visa(r) Card $10 Coupons Make one purchase $0 Review Barclaycard Ring MasterCard(r) Low APR Make one purchase $0 Review Barclaycard Visa(r) with Apple Rewards Card Special Financing Make one purchase $0 Review","Table: The above list is sorted alphabetically Barclaycard CashForward (tm) World MasterCard Review The Barclaycard CashForward (tm) World MasterCard(r) is a cash back credit card offered by Barclay Bank . The Barclay World MasterCard(r) provides an opportunity for customers to use their card for everyday purchases while also earning some needed cash. This review will provide the key features and details about the Barclaycard World MasterCard so that consumers can make an informed decision about whether this card is suited for their needs. Barclaycard CashForward (tm) World MasterCard(r) Rates and Fees The Barclay World MasterCard(r) comes with a variable APR of 14.99%, 19.99%, or 24.99% for regular purchases. The exact APR you receive for your Barclaycard World MasterCard depends on your creditworthiness, which the bank will determine based on your credit score. If you wish to carry out a balance transfer to your Barclaycard CashForward (tm) MasterCard, you're in luck. The Barclay World MasterCard comes with an introductory balance transfer APR of 0% for the first fifteen months. This means that if you have high interest credit card debt on another card, you can pay off that balance using your Barclaycard World MasterCard(r), and then work on paying down your debt for fifteen months without worrying about any interest. The only stipulation is that the balance transfer to your Barclaycard CashForward (tm) MasterCard(r) must be made within 45 days of opening your Barclay World MasterCard(r) account. After the fifteen months (or if you have not made a balance transfer within 45 days), the balance transfer APR on your Barclaycard World MasterCard(r) is 14.99%, 19.99%, or 24.99%, depending on your creditworthiness. Cash advances from your Barclaycard CashForward (tm) MasterCard(r) come with an APR of 25.49%. There is a balance transfer fee with the Barclay World MasterCard, however, even if you use the introductory balance transfer APR promotion. Any balance transfers to your Barclaycard World MasterCard are charged a balance transfer fee of 3% of each balance transfer ($5 minimum). Cash advances on a Barclay World MasterCard(r) come with a cash advance fee of 5% of each cash advance ($10 minimum). There is no annual fee for the Barclaycard CashForward (tm) MasterCard(r). The foreign transaction fee for purchases made abroad using your Barclay World MasterCard(r) is 3%. Barclaycard CashForward (tm) MasterCard(r) Rewards Program The Barclaycard CashForward (tm) MasterCard(r) comes with unlimited rewards of 1.5% on all purchases. Whether you're getting some much needed retail therapy or grabbing some food on your way home from work, your Barclay World MasterCard(r) is working as hard as you are. You are even rewarded for redeeming your Barclaycard CashForward (tm) MasterCard(r) cash back points. You get a 5% cash rewards redemption bonus when you redeem your Barclay World MasterCard points. Redemptions start at $50, and you can have your Barclaycard World MasterCard cash back deposited into your bank account, provided as a statement credit, or awarded in the form of gift cards. Additional Perks and Features of the Barclaycard CashForward (tm) MasterCard(r) The Barclaycard CashForward (tm) MasterCard(r) comes with the kind of security that is expected from any consumer credit card. Customers have 0% liability for any unauthorized purchases made using their Barclay World MasterCard(r). The Barclaycard World MasterCard(r) also comes with the chip technology that makes point-of-sale purchases faster and easier. The Barclaycard CashForward (tm) MasterCard(r) account also comes with free access to your FICO credit score, a fantastic resource considering it costs money to retrieve that valuable number. Barclay Word MasterCard(r) customers can keep tabs on their creditworthiness and see if their lifestyle habits are improving or ruining their credit. Don't Miss: Top Best Credit Cards for Miles | Ranking | Best Miles Credit Card Reviews Credit One Bank(r) Platinum Visa Review The Credit One Bank(r) Platinum Visa from Credit One Bank is another credit card option for those who wish to build their credit. You can find out if you prequalify for the Credit One Bank credit card without your credit score being affected by the inquiry. Image Source: Credit One Bank(r) Platinum Visa Credit One Bank(r) Platinum Visa Rates and Fees When considering a card for poor credit like the Credit One Bank(r) Platinum Visa, you have to recognize that there are likely higher fees. There is no intro APR rate for regular purchases or balance transfer. The APR on the Credit One Bank credit card is a variable rate of 15.65% to 24.15% -- so if you do have good credit, you can benefit, and if you have poor credit, you still have a chance to acquire the Credit One Platinum Visa at a rate closer to 24.15%. The Credit One Bank Visa comes with an annual fee of $0 to $99. An important detail to note in this Credit One Platinum Visa review is that this card is very forgiving of its applicants. Credit One Visa reviews the applications with people who are even at the credit score deemed by FICO as poor. While this will definitely affect the Credit One Bank credit card APR you're eligible for, if you want a Credit One Bank(r) Platinum Visa, your application won't be dismissed out of hand. Another great part about the Credit One Bank(r) Platinum Visa is that it is a totally unsecured credit card. Customers with poor or no credit looking for a card like the Credit One Platinum Visa are often forced to settle for a secured card and provide a security deposit. In the case of the Credit One Bank Visa, customers get the flexibility of an unsecured card with the accessibility of the Visa brand. Credit One Bank(r) Platinum Visa Rewards, Perks, and Features While the Credit One Bank Visa does not pack as many comprehensive rewards as other cards, there is still some earning power to be had when you make purchases using your Credit One Platinum Visa. The Credit One Bank credit card earns cash back on gas and groceries only. In a sense, this is the ideal rewards situation for a card like this. If you are applying for the Credit One Bank(r) Platinum Visa because you want to build up a good credit history, then you likely want to practice good spending habits while using your card. If you get a Credit One Platinum Visa and then find yourself buying everything under the sun simply to earn a fraction of the cost in cash back, then your \"credit building strategy\" is counterproductive. The fact that the Credit One Bank Visa rewards are only earned when you buy gas or groceries means that rewards are only incurred while making necessary purchases. (Although it's important to note in this Credit One Platinum Visa review that you should try to cut back on all expenses when you are rebuilding your credit score so that you can pay down existing debt.) Related: Top Best Credit Cards for Students with No Credit or Bad, Poor or No Credit History Credit One Bank(r) Unsecured Visa Card Review If you are worried that you may be unable to curb your spending habits while using a credit card and fear falling into additional debt, perhaps consider getting a secured card. An unsecured card may be a bit to handle at first if you are completely uncertain about your ability to commit to a decent spending schedule. There is another type of card offered by Credit One Bank with similar features: the Credit One Bank(r) Unsecured Visa Card . The interest is the same interest rate and features as the Credit One Platinum Visa (a variable APR of 15.65% to","Wells Fargo Platinum Card Terms and Conditions If you opened a Wells Fargo credit card within the last 16 months, you will not qualify for the introductory rate(s) or bonus rewards offers. See important exclusions on page 2. IMPORTANT DISCLOSURES Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0.00% introductory APR for 18 months. After that your APR will be 16.15% to 25.99% , based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. Annual Percentage Rate (APR) for Balance Transfers 0.00% introductory APR for 18 months. After that, your APR will be 16.15% to 25.99% , based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances and Overdraft Protection Advances 24.99% to 26.99% , based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://  www  .consumerfinance  .gov  /learnmore. Fees Annual Fee None Transaction Fees  Balance Transfers Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 18 months. After that, up to 5% for each balance transfer, with a minimum of $5 .  Cash Advances Either $10 or 5% of the amount of each advance, whichever is greater.  Overdraft Protection Advances $12.50 if the total of overdraft protection advances for the day is $50 or less; $20 if the total of overdraft protection advances for the day is greater than $50.  Foreign Currency Conversion Fee 3% of each transaction converted to U.S. dollars. Penalty Fees  Late payment Up to $37  Returned Check or Returned Payment Up to $37 How we will calculate your balance We use a method called \"average daily balance (including new purchases)\". Eligibility for introductory rate(s) and fees If you opened a Wells Fargo credit card account during the last 16 months from the date of this application you will not be eligible for the introductory APR(s) or bonus rewards offers, even if that account is closed and has a zero balance. Credit limit reallocation If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. How we will calculate your variable APRs Unless an introductory or promotional APR is in effect, we will add a \"Margin\" to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 4.25 percentage points as of 09/19/2017. The \"Margin\" for purchases and balance transfers will be 11.90 to 21.74 percentage points, based on your creditworthiness. The \"Margin\" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement (\"Agreement\") for your account and applicable law. You may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. Application of payments Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Overdraft protection If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your Wells Fargo savings account to your Wells Fargo checking account for Overdraft Protection. No interest is charged on Overdraft Protection transfers from your savings account; however, Overdraft Protection transfers from a savings account count towards the Regulation D and Wells Fargo combined total limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded, an excess activity fee for each transfer or withdrawal will be assessed. If the limit is exceeded on more than an occasional basis, your savings account could be converted to a checking account or closed. Important information about procedures for opening a new account To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information. Consent to contact you By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records.","*For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself. + Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which Credit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.","This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. Please visit our Advertiser Disclosure to view our partners, and for additional details. Wise Bread Picks Editor's note: This card is no longer available. If you're looking for a great rewards credit card, check out our recommendations: One of the most venerable banks in the world is now offering a rewards credit card to consumers in the United States. The Barclaycard Rewards MasterCard(r) is another in the recent trend of credit card offerings that go back to basics with a straightforward, non-rotating rewards system. Barclaycard promises that the Rewards MasterCard will provide cardholders with extra rewards for the things they buy most every day. Let's take a look at whether or not the Barclaycard Rewards MasterCard lives up to its promises. How This Card Works The Barclaycard Rewards MasterCard comes with a straightforward points rewards system. You receive 2x points when you buy gas and groceries (excluding Target and Walmart). You also receive 2x points for utility payments made with your credit card. All other purchases earn 1x points. There is no annual fee.  You can redeem your points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10. This system means that you don't have to worry about blackout dates and other restrictions on reward redemption. Points don't expire as long as your account is open, active, and in good standing. Other Benefits MasterCard benefits . This card comes with MasterCard benefits, and you qualify for them depending on which account you end up with. Platinum, World, and World Elite benefits apply, depending on which version of MasterCard you receive as your Barclaycard Rewards MasterCard. Free FICO credit score . For as long as you're a cardmember, you'll receive complimentary online FICO credit score access, which gives you an easy way to keep an eye on your credit. You can also receive alerts for when your credit score changes. (See also: Credit Cards with Free Credit Scores ) Credit line increase . After making 5 consecutive on-time payments, your account will be reviewed and you may be eligible for a credit line increase. Pros Rewards on everyday purchases . The main benefit of the Barclaycard Rewards MasterCard is the ability to earn bonus points on everyday purchases like eligible groceries, gas, and utilities. Since you buy gas and groceries on a regular basis, this card rewards you for common purchases, rather than requiring you to go out of your way for entertainment and restaurants to get more points. (See also: Best Credit Cards for Dining Out ) Easy rewards program . The ease of redeeming rewards, and the fact that there are no blackouts and no limits, makes this program straightforward and easy to deal with. No overlimit or annual fee . It's also a nice touch that there is no over the limit fee, along with no annual fee. Cons High APR . The APR is among the highest you'll find with any credit card, which can become expensive if you consistently carry a balance. It's important to make sure you pay your balance in full each month in order to avoid paying high amounts of interest on your purchases. If you typically carry a balance from month to month, it's best to choose the credit card with the lowest APR. (See also: Credit Cards with Low Interest Rates ) Foreign transaction fees . It's also a bit disappointing that there are foreign transaction fees. Many credit cards are moving away from these fees, and one would hope that a bank with an international reputation and presence wouldn't charge foreign transaction fees. Who This Card Is Best For The Barclaycard Rewards MasterCard(r) is ideal for someone who is interested in earning extra rewards for everyday purchases. It's perfect for the consumer who puts all of his or her groceries and gas on the credit card and then pays the balance at the end of the month. It is also a great card for those who can arrange to pay their utilities automatically by credit card; you can get double the points without having to think about it. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.","I didn't mention skin colour. It is incorrect that racism exclusively refers to unjust discrimination based on skin colour. On one level, I personally have a humble opinion that the word racism and the force it has should also contain as a subset what other people tamely call xenophobia. On another level, if you are strict about definitions and say racism refers to race only, well race is not merely skin colour, but an imprecise bunch of ways to classify people based on where they're from. Yes I was aware that it is possible to graduate to an unsecured card after a year. This involves two HPs to get there and no signup bonus, so it isn't a great option. However WF is consciously and deliberately offering one set of people a shitty (and kinda insulting) product compared to another. The product is insulting because it's for people who don't pay their bills. You may argue the discrimination is just, because they're afraid that people will just bolt. I would be interested to see evidence of this happening in any significant numbers. WF discriminates against resident aliens too, who live there. I would not be surprised at all if US citizens defaulted and didn't pay their debts more than immigrants do (in the same way natives commit more crimes than immigrants, despite what you hear from Trump). I don't forgive the racism of my own country either, which is severe. Immigrants perform better in small, medium and large businesses in my home country and yes, those resident but not yet permanent residents should absolutely be treated fairly with respect to credit, both for reasons of equability and practical reasons, ie so they can open businesses etc and do better than the natives. I think I'm quite literally using the word according to its definition. Again, race is not skin colour. The reason we have Trump (well one of many) are the PC police who do bullshit things with the notion of racism eg completely ignore all individual discrimination and come up with statements like \"people of colour cannot be racist\" or \"racism is only institutional, not individual\" (that's a redefinition) or \"it is an act of arrogance for white people to even say racist\" or \"wanting to date intelligent people is inherently classist and racist\" and redefinitions of things for the purpose of creating nonsense new publications in their social science courses that nobody outside ivory towers agrees with and comes across as ludicrous. Crying wolf, alarm fatigue, that kinda thing. Maybe you accuse me of alarm fatigue myself. OK, maybe I'm making a federal case out of it, but fuck WF and fuck their policies basically. They treated me differently because of where I'm from, offered an insulting product, and I'm pissed.","FICO (r) Scores are developed by Fair Isaac Corporation. The FICO (r) Score provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services (\"ECS\"), in Experian CreditWorks (sm) , Credit Tracker (sm) and/or your free Experian membership (as applicable) is based on FICO (r) Score 8, unless otherwise noted. Many but not all lenders use FICO (r) Score 8. In addition to the FICO (r) Score 8, ECS may offer and provide other base or industry-specific FICO (r) Scores (such as FICO (r) Auto Scores and FICO (r) Bankcard Scores). The other FICO (r) Scores made available are calculated from versions of the base and industry-specific FICO (r) Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO (r) Score than FICO (r) Score 8 or such other base or industry-specific FICO (r) Score, or another type of credit score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers, however, the credit rating of FICO (r) Score 8 (or other FICO (r) Score) could vary from the score used by your lender. The statements that \"90% of top lenders use FICO (r) Scores\" and \"FICO (r) Scores are used in 90% of credit decisions\" are based on a third-party study of all versions of FICO (r) Scores sold to lenders, including but not limited to scores based on FICO (r) Score 8. Base FICO (r) Scores (including the FICO (r) Score 8) range from 300 to 850. Industry-specific FICO (r) Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO (r) Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies -- the Experian credit bureau, TransUnion (r) and Equifax (r) -- that maintain a record of your credit history known as your credit report. Your FICO (r) Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO (r) Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO (r) Score may also change.","Source: iStock As you may know if you've done a search for BB&T CD rates, their website is not a helpful place to turn for information. Beyond a basic overview of their CDs on their website stating that they have CDs with terms ranging from seven days to five years, they do not give details on their current rates. BB&T did not respond to email and phone inquiries from MagnifyMoney asking why the bank does not publish its CD rates online. When we called their customer service number, a representative said BB&T's CD rates change on a daily basis and said the best way to learn about CD rates is to call or visit a local branch . So that's what we did. We called BB&T branches on Sept. 5 and, on the same day, compared their CD rates to other banks and the national averages. After conducting this research, it's not surprising BB&T makes their CD rates hard to find -- they're terrible. BB&T offers CD terms ranging from as short as seven days to as long as five years. They have eight CD options , each with different investment goals. 7-day to 60-month For short-term investments, BB&T offers CDs ranging from seven days to 60 months. These personal CDs offer a fixed rate of return along with the flexibility to focus on developing either a short- or long-term investment. Rates as of Sept. 5, 2017 Not only can you find better CD rates at other banks and credit unions for each of the terms BB&T offers, you can get those better rates with smaller minimum deposits. BB&T's offerings are far from the best in every term length above -- you can see some of the top options in our monthly roundup of the best CD rates . With the seven-day to 60-month BB&T CDs, there are no penalty-free options for withdrawing your funds prior to the CD reaching maturity. The early withdrawal penalty is the lesser of $25 or 12 months of interest for longer-term CDs. So with smaller initial deposits, early withdrawal penalties will negate any interest you may have earned. Can't Lose As the name of this CD implies, whether rates go up or down, you can't lose. Well, actually, you can: The APY is so low, you're almost certainly going to lose money to inflation. At the 12-month mark of the CD's term, you may make one withdrawal without paying any fees. So if the market rate is higher than what you're currently getting, simply withdraw the money and reinvest at the higher rate. If, however, the interest rate you're receiving is better than what's currently available, you also have the option of making a second deposit into the Can't Lose CD, up to $10,000. This locks in the rate for the new investment amount for the remainder of the term. So whether rates go up or down, you'll lock in the higher rate. As of Sept. 5, 2017 Still, you can find many CDs with better APYs than BB&T's Can't Lose, whether you're looking for a 12-month investment or longer. Stepped Rate Laddering is a way to stagger your CD investments so you're able to take advantage of increasing rates. With the Stepped Rate option from BB&T, laddering is built into the CD product. The initial CD starts out at a lower rate and increases each year. For example: As of Sept. 5, 2017 This product also allows you to make an additional deposit each year (up to $10,000). So if the interest rate you're receiving is better than the market, you can invest more money into your existing CD to make a higher return. But if the current CD market is offering better rates than your existing CD, you can simply take advantage of that offer and still make a higher return. In addition, you may make a withdrawal from what you initially deposited into your Stepped Rate CD after two years. So, again, if the market changes dramatically, you may withdraw your money with no penalty and reinvest in a better option. Or you could create a CD ladder on your own, choosing CDs with better rates than BB&T's -- higher rates are certainly available. Add-on The Add-on CD option from BB&T offers a 12-month CD at 0.10% and an opening deposit of $100. You'll need a BB&T checking account and a $50/month automatic deposit from your checking account into the CD. To get a personal account, you'll just need to set up direct deposit or maintain a $1,500 balance. As of Sept. 5, 2017 Home Saver If you're in the market for a new home, and you want to earn a little more interest on the money you're saving, consider the Home Saver CD. Starting with as little as $100, you'll be able to deposit money earmarked for your new home every month and earn 0.40% APY. With this CD, as long as you're withdrawing the money for use toward the purchase of your new home, you won't pay any penalties for the withdrawal. But you will need a BB&T checking account set up for a monthly deposit of $50 into your Home Saver CD. As of Sept. 5, 2017 College Saver Similar to the Home Saver CD, the College Saver CD is meant for parents or students saving for college. It offers the benefit of starting at a higher APY (0.40%) with the flexibility of withdrawing the money up to four times per year to pay for the cost of attending school. As with the Home Saver, you'll need to have a BB&T checking account with an automatic monthly deposit of $50. The College Saver offers terms of 36, 48, and 60 months. As of Sept. 5, 2017 Treasury This CD offers the ability to make additional deposits of at least $100 into your CD at any time and one monthly withdrawal without penalty. The CD has a six-month term with a variable interest rate tied to the U.S. Treasury Bill -- if the rate goes up, you'll make more money, but if the rate declines, you'll make less. Right now, rates start at 0.05% and adjust quarterly. Throughout 2016, Treasury Bill rates increased almost every month and have continued to rise in 2017, reaching 1.035% in August. So this is a great option if you have the $5,000 minimum deposit amount and want a short-term investment with the option to add or remove funds from the CD. CDARS CDARS stands for Certificate of Deposit Account Registry Service and protects your principal and interest by making sure your money is placed into multiple CDs across a network of banks to keep your CDs insured by the FDIC (maximum limit for each CD is $250,000). Does BB&T allow customers to take advantage of rising rates once they've opened a CD? BB&T has two CD options that allow you to take advantage of rising rates: the 30-month Can't Lose CD and the 48-month Stepped Rate CD. Both allow you to make a withdrawal before the CD comes to maturity in case rates increase (terms apply). They also allow additional deposits in case rates drop and you want to invest more at the existing rate of your CD. However, the current rates on those products are very low, negating the value of their flexibility. About BB&T BB&T (Branch Banking and Trust Co.) is a North Carolina-based bank with locations in 16 states and the District of Columbia, including Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia. BB&T offers a mobile app for both iOS and Android. While their website is easy enough to use, finding specific information, particularly about rates, is impossible. Their customer service number isn't much help in that regard either, with most questions answered with a suggestion to visit a branch location. As a result, if you don't live in an area with a branch, we don't recommend using BB&T's CDs. To find the BB&T branch closest to you,","Source: iStock As you may know if you've done a search for BB&T CD rates, their website is not a helpful place to turn for information. Beyond a basic overview of their CDs on their website stating that they have CDs with terms ranging from seven days to five years, they do not give details on their current rates. BB&T did not respond to email and phone inquiries from MagnifyMoney asking why the bank does not publish its CD rates online. When we called their customer service number, a representative said BB&T's CD rates change on a daily basis and said the best way to learn about CD rates is to call or visit a local branch . So that's what we did. We called BB&T branches on Sept. 5 and, on the same day, compared their CD rates to other banks and the national averages. After conducting this research, it's not surprising BB&T makes their CD rates hard to find -- they're terrible. BB&T offers CD terms ranging from as short as seven days to as long as five years. They have eight CD options , each with different investment goals. 7-day to 60-month For short-term investments, BB&T offers CDs ranging from seven days to 60 months. These personal CDs offer a fixed rate of return along with the flexibility to focus on developing either a short- or long-term investment. Rates as of Sept. 5, 2017 Not only can you find better CD rates at other banks and credit unions for each of the terms BB&T offers, you can get those better rates with smaller minimum deposits. BB&T's offerings are far from the best in every term length above -- you can see some of the top options in our monthly roundup of the best CD rates . With the seven-day to 60-month BB&T CDs, there are no penalty-free options for withdrawing your funds prior to the CD reaching maturity. The early withdrawal penalty is the lesser of $25 or 12 months of interest for longer-term CDs. So with smaller initial deposits, early withdrawal penalties will negate any interest you may have earned. Can't Lose As the name of this CD implies, whether rates go up or down, you can't lose. Well, actually, you can: The APY is so low, you're almost certainly going to lose money to inflation. At the 12-month mark of the CD's term, you may make one withdrawal without paying any fees. So if the market rate is higher than what you're currently getting, simply withdraw the money and reinvest at the higher rate. If, however, the interest rate you're receiving is better than what's currently available, you also have the option of making a second deposit into the Can't Lose CD, up to $10,000. This locks in the rate for the new investment amount for the remainder of the term. So whether rates go up or down, you'll lock in the higher rate. As of Sept. 5, 2017 Still, you can find many CDs with better APYs than BB&T's Can't Lose, whether you're looking for a 12-month investment or longer. Stepped Rate Laddering is a way to stagger your CD investments so you're able to take advantage of increasing rates. With the Stepped Rate option from BB&T, laddering is built into the CD product. The initial CD starts out at a lower rate and increases each year. For example: As of Sept. 5, 2017 This product also allows you to make an additional deposit each year (up to $10,000). So if the interest rate you're receiving is better than the market, you can invest more money into your existing CD to make a higher return. But if the current CD market is offering better rates than your existing CD, you can simply take advantage of that offer and still make a higher return. In addition, you may make a withdrawal from what you initially deposited into your Stepped Rate CD after two years. So, again, if the market changes dramatically, you may withdraw your money with no penalty and reinvest in a better option. Or you could create a CD ladder on your own, choosing CDs with better rates than BB&T's -- higher rates are certainly available. Add-on The Add-on CD option from BB&T offers a 12-month CD at 0.10% and an opening deposit of $100. You'll need a BB&T checking account and a $50/month automatic deposit from your checking account into the CD. To get a personal account, you'll just need to set up direct deposit or maintain a $1,500 balance. As of Sept. 5, 2017 Home Saver If you're in the market for a new home, and you want to earn a little more interest on the money you're saving, consider the Home Saver CD. Starting with as little as $100, you'll be able to deposit money earmarked for your new home every month and earn 0.40% APY. With this CD, as long as you're withdrawing the money for use toward the purchase of your new home, you won't pay any penalties for the withdrawal. But you will need a BB&T checking account set up for a monthly deposit of $50 into your Home Saver CD. As of Sept. 5, 2017 College Saver Similar to the Home Saver CD, the College Saver CD is meant for parents or students saving for college. It offers the benefit of starting at a higher APY (0.40%) with the flexibility of withdrawing the money up to four times per year to pay for the cost of attending school. As with the Home Saver, you'll need to have a BB&T checking account with an automatic monthly deposit of $50. The College Saver offers terms of 36, 48, and 60 months. As of Sept. 5, 2017 Treasury This CD offers the ability to make additional deposits of at least $100 into your CD at any time and one monthly withdrawal without penalty. The CD has a six-month term with a variable interest rate tied to the U.S. Treasury Bill -- if the rate goes up, you'll make more money, but if the rate declines, you'll make less. Right now, rates start at 0.05% and adjust quarterly. Throughout 2016, Treasury Bill rates increased almost every month and have continued to rise in 2017, reaching 1.035% in August. So this is a great option if you have the $5,000 minimum deposit amount and want a short-term investment with the option to add or remove funds from the CD. CDARS CDARS stands for Certificate of Deposit Account Registry Service and protects your principal and interest by making sure your money is placed into multiple CDs across a network of banks to keep your CDs insured by the FDIC (maximum limit for each CD is $250,000). Does BB&T allow customers to take advantage of rising rates once they've opened a CD? BB&T has two CD options that allow you to take advantage of rising rates: the 30-month Can't Lose CD and the 48-month Stepped Rate CD. Both allow you to make a withdrawal before the CD comes to maturity in case rates increase (terms apply). They also allow additional deposits in case rates drop and you want to invest more at the existing rate of your CD. However, the current rates on those products are very low, negating the value of their flexibility. About BB&T BB&T (Branch Banking and Trust Co.) is a North Carolina-based bank with locations in 16 states and the District of Columbia, including Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia. BB&T offers a mobile app for both iOS and Android. While their website is easy enough to use, finding specific information, particularly about rates, is impossible. Their customer service number isn't much help in that regard either, with most questions answered with a suggestion to visit a branch location. As a result, if you don't live in an area with a branch, we don't recommend using BB&T's CDs. To find the BB&T branch closest to you,","Wells Fargo Platinum Visa (r) Card is a basic credit card which may interest you if earning rewards is not something you want from your credit card. This card is a great card to consider if you want to make a big ticket purchase or transfer a balance since it gives you a long low introductory APR period for purchases and balance transfers, and provides a number of useful financial tools. Considering that Wells Fargo has 8,700 locations and 13,000 ATMs, there are good arguments for getting a credit card from this major bank. However, Wells Fargo issues a number of other credit cards which let you earn rewards, while this card does not. So what makes Wells Fargo Platinum Visa (r) Card special? This review looks at the pros and cons of this card to answer that question. Credit Card Features Intro APR Regular APR Annual Fee Why we like it We least like t_cc_credit_required Related links Wells Fargo Platinum Visa (r) Card 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa (r) Card Free access to your FICO (r) Credit Score with Wells Fargo Online (r) Zero Liability protection for promptly reported unauthorized transactions Convenient tools to help create a budget and manage your spending with My Money Map $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions 0% introductory APR for 18 months on purchases and balance transfers 16.15%-25.99% (Variable) $0 Related Links Read our review of Wells Fargo Platinum Visa (r) Card or view more details of Wells Fargo Platinum Visa (r) Card . See more Wells Fargo credit cards . Things We Like About Wells Fargo Platinum Visa (r) Card It has a $0 annual fee . Not having to pay an annual fee to use a credit card means one less expense to worry about. In general, it's usually a good idea to get a card without an annual fee unless it offers outstanding, money-saving features that can more than make up for the price you have to pay each year. You get an introductory low APR period for balance transfers . This card has a 0% intro APR for 18 months on purchases and balance transfers with a 16.15% - 25.99% variable APR after that intro period (balance transfer fees apply). This is a big plus if you have card debt, as you can transfer your balances from other credit card accounts to this account and benefit from that long introductory APR period. Just note that a balance transfer fee applies (most balance transfer credit cards charge this). If you transfer your balances in the first 18 months, you benefit from an introductory fee of either $5 or 3% of the amount of each balance transfer (whichever is greater). After that, you pay up to 5% for each balance transfer with a minimum of $5, so make sure to complete all your transfers in the first 18 months. Since there is also an intro APR period for purchases, this card works well for making large purchases and paying them off over the intro period to avoid interest charges. You can choose to get alerts . The idea of credit card alerts may conjure up memories of annoying SMS messages or emails causing your phone to buzz each time you swipe your card. But Wells Fargo has done alerts the right way, giving you the option to choose which transactions you receive alerts for. For example, you can choose to only be alerted when a transaction is made in a foreign currency, or when a really large purchase is charged to your account. These alerts can help tip you off to fraud early on. Zero liability protection . If your card is lost or stolen, you won't be held liable to pay for fraudulent transactions if you report the loss of your card in a prompt manner. You get travel accident insurance . When you use this card to pay for your travel bookings, your common carrier trips (airline, train, bus) are automatically covered with worldwide travel accident insurance. If you are killed or permanently disabled in a common carrier accident anywhere in the world, you, your family or a beneficiary you specify will receive a benefit of up to $150,000. Auto rental collision damage waiver . You benefit from complimentary rental car insurance coverage when you use this card to pay for the rental. This benefit covers the cost of replacing the vehicle if it is stolen or damaged in a collision while you are renting it. It also covers relevant towing charges resulting from a collision. This coverage is secondary, which means coverage only applies if you don't already get the same coverage from another insurance policy. That means you need to turn down the collision damage waiver offered by the car rental company for this coverage to apply. Most cars are covered, but there are some exceptions (exotic cars, for example). You can get cellular phone protection . If you use this card to pay your monthly cellular phone bills, you get protection against theft and damages that render your phone unusable. If your phone is stolen or seriously damaged, you can get a benefit of up to $600. Each claim is subject to a $25 deductible. There are some exceptions which are not covered, such as when your phone is stolen in a construction site, but on the whole this complimentary phone protection is a useful benefit in this smartphone age. Our Least Favorite Things About Wells Fargo Platinum Visa (r) Card You do not earn rewards . This is a basic credit card and does not let you earn points or cash back on your spending. You pay a fee when you use this card outside the US . This card has a 3% foreign transaction fee, so you pay every time you use this card to make purchases or get a cash advance in a foreign currency. This is only a disadvantage for people who travel outside of the US. How Other Cards Compare With Wells Fargo Platinum Visa (r) Card This Wells Fargo Platinum Visa (r) Card is designed for minimalists who prefer a clean, no-nonsense approach to credit cards. If you only use credit cards for occasional travel bookings or the odd online purchase, then this card may be all you need. This card is also a good option for balance transfers or big ticket purchases because of the intro APR offer. However, considering that Wells Fargo delivers most of the same benefits you get with this card on its Wells Fargo Cash Wise Visa (r) Card, with the addition of a great flat-rate of cash rewards and a bonus offer which lets you earn extra cash back when you make Apple Pay or Android Pay purchase transactions during the first 12 months from account opening, you might be better off with Wells Fargo Cash Wise Visa (r) Card.","You are being redirected... Javascript is required. Please enable javascript before you are allowed to see this page.","Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which cardbenefit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Cardbenefit.com does not include all credit card companies or all available credit card offers. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.","Note: This product is not currently available on CreditCardForum and the information below is for reference purposes only. On the heels of Chase, Barclaycard and Wells Fargo, U.S. bank has just launched a 1.5 percent cash-back card - the U.S. Bank Cash 365 card, which is co-branded with American Express (a CreditCardForum advertising partner). The 365 is not an exciting or innovative product, but that's the whole point: it's designed to give cardholders a low-maintenance way of earning rewards. Our review will help you decide if it's right for you. The basics Annual fee: None Earning rewards: 1.5 percent cash back on everything, with no caps. Redeeming rewards: Rewards can be redeemed for statement credits; deposit into a U.S. Bank savings, checking or money market account; or as a Visa Rewards Card (a prepaid debit card). There is no redemption minimum for most of these options, and you can redeem your rewards in any amount. The only exception is if you redeem for a Visa Rewards card. In that case, you must redeem a minimum of $20 and in $5 increments after that. Sign-up bonus: While there's no advertised sign-up bonus for newcomers to U.S. Bank (as of June 2016), those with an existing relationship may be eligible for a sign-up bonus. Balance transfers: 0 percent APR for the first 12 billing cycles on balances transferred within 30 days of account opening. The balance transfer fee is 3 percent ($5 minimum). Pros Put simply, this card is, well, simple. There are no bonus categories to worry about. The redemption value is also fixed, so you know you're getting 1.5 percent cash back on all your purchases. If you want to earn cash back effortlessly, or you're new to the rewards game, this could be the card for you. It might also be a good choice if you already have other cards with bonus categories and need a solid earner in your wallet for those non-category purchases. Cons The cards biggest pros could also be cons for certain cardholders. There are no opportunities to maximize bonus categories, for example - and U.S. bank doesn't have a bonus- shopping portal like many other cash-back cards do. So, while 1.5 percent cash back isn't bad, it's all you're going to get. While the card carries the American Express brand, it is not issued by AmEx and is therefore not eligible for its bonus program, Amex Offers, according to that program's terms and conditions: Redemption flexibility is another potential downside to consider. While some may consider the redemption program of the 365 Card to be minimalist and streamlined, others may prefer more robust programs that allow you to redeem for retailer gift cards, online shopping and travel - or even point-transfers into partner travel programs. While making the most of these types of rewards programs requires more effort, it's nice to have the option to make that effort and get more out of your points. Yes, cash back is technically the most flexible type of reward there is. However, researchers have found that consumers are more likely to actually use their rewards if they have more exciting redemption options . Finally, there's the lack of sign-up bonus for those who are new to U.S. Bank. A good sign-up bonus can let you get a much bigger return on your spending in the first year. So, if you don't already have a U.S. Bank relationship, consider a similar card that gives sign-up bonuses to all qualified new applicants. Other options to compare The U.S. Bank 365 card is no-frills but reliable choice. If you already bank with U.S. Bank (and are eligible for a sign-up bonus), it could a good alternative OR companion to the U.S. Bank Cash+ card (which earns 1 percent on most spending and more in certain categories). However, there are many similar no-annual-fee cash-back cards to consider, including: Discover it Miles It's billed as a travel card, but you can redeem your \"miles\" for cash back at a value of 1 cent per point. Because this card earns 1.5 miles per dollar spent, it amounts to 1.5 percent cash back (if you redeem for cash). The Discover it Miles also has some other nice perks, such as access to the Discover Deals program and a $30 in-flight Wi-Fi reimbursement every year. Most importantly, however, card automatically doubles all the miles you earned your first year. Wells Fargo Cash Wise The Cash Wise card also earns 1.5 percent back, but its redemption program is more robust than the 365 card's. You can redeem for cash back (even at the ATM, a unique perk from Wells Fargo), gift cards, travel and more. Chase Freedom Unlimited At first glance, this appears to be just another 1.5 percent cash-back card. However, the Freedom Unlimited is tied to Chase's Ultimate Rewards program, which is arguably one of the most extensive card rewards programs. You have the usual redemption options, plus online shopping and cash back on the go with the Chase Freedom mobile app (which lets you generate instant eGift cards at partner retailers). If you pair this card with the Chase Sapphire Preferred, your points can become even more valuable because the Sapphire Preferred allows you to transfer points earned with the Freedom Unlimited directly into Chase's partner hotel and airline programs.","This is a partner offer.  Advertiser Disclosure Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay(r) or Android Pay(tm), during the first 12 months from account opening No category restrictions or sign ups and cash rewards don't expire as long as your account remains open Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa(r) Card 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply $0 Annual Fee Select \"Apply Now\" to learn more about the product features, terms, and conditions Apply Now","Xin Yong Qia  Gen Ju DansdealXiao Xi ,Zhe Ge 50kDe offerHui Zai Ming Tian Zao Shang Mou Ge Shi Hou Jie Zhi . 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Please enable javascript before you are allowed to see this page.","for card deals & news Advertiser Disclosure Many of the card offers that appear on this site are from companies from which Credit Card Tune-Up receives a commission for new cardmembers (e.g. Barclaycard, American Express, etc.), though many offers are from companies with which there is no such partnership (e.g. PenFed, Fort Knox FCU, Navy FCU, First National Bank, etc.). However, these commissions do not impact how or where products appear on this site, including the order in which they appear. Other factors, such as our own proprietary website rules (e.g. reward currency valuations) do impact how and where products appear on this site. The Credit Card Tune-Up calculation engine does not include the entire universe of available credit card offers. Overview It can be daunting to choose reward credit cards that are right for you. Credit card companies offer dozens of competing cards and their reward structures for cashback, frequent flier miles, and points are a complex mix of categories, tiers, limits, and earning percentages. The Credit Card Tune-Up calculator makes all of that easy. Just choose your filter criteria in the box on the right, plug in how much you spend each month, and press the Recalculate button. You'll then be presented with a list of the cards in our calculation engine sorted in descending order by the expected value of your first-year rewards minus any annual fee. All reward types -- miles, points, cashback -- are converted into dollars for an easy apples-to-apples comparison. You can hover over a calculated dollar amount to see any details about how points or miles are valued for that card. Note that these valuations are based on our research and not assigned by the card companies. If having more than one of the credit cards in our database and using each card for its more-rewarding categories will earn you a greater annual reward, then those best combinations are shown in the columns labeled \"Best N-Card Combo\" -- up to as many as \"Best 3-Card Combo\". (Note that when calculating card combination rewards our tool conservatively assumes you'll only earn any initial bonuses from one card in the combination, even though it may be possible to simultaneously earn bonuses from more than one of the cards in that set.) Usage Tips Only the \"Total you spend per month \" amount is required, but entering your expenses by category can make a significant difference in possible rewards. Since there is no \"Other\" category, don't worry about having your category amounts add up to your total amount; the calculator figures out your \"Other\" spending for you. To apply for credit cards or read the terms and conditions, just click on the card name link or \"Apply Now\" button. Applying for credit cards through our links helps support this web site. For a detailed explanation of any credit card, category, or reward amount, hover your mouse pointer over that item. Card detail bullets can also be toggled with the \"Show Details\" button. To exclude a credit card from the \"Best N-Card Combo\" results (those with amounts highlighted in green), check its checkbox in the \"Omit Card from Calc?\" column and press the Recalculate button.","Credit Card Promotional Offers Maximizing Money covers the best credit card promotional offers for new applicants to earn cash rewards, bonus rebates, points, miles, and more. In this section, you'll find Credit Card Bonuses, Cash Rebates, Airline Mile Rewards, 0% Interest Rates, Balance Transfers, Small Business Cards , and other promotions from various credit card issuers including American Express, Chase, Citibank, Discover, and more. Table of Contents 1. Bonus Credit Cards 2. Cash Back Cards 3. Small Business Cards 4. Student Credit Cards 5. Airline Credit Cards 6. Hotel Credit Cards 7. Travel Rewards Cards 8. Balance Transfer Cards 9. Credit Union Cards 10. Brokerage Credit Cards 11. Regional Credit Cards 12. Most Recent Credit Card Articles The below information related to Chase Bank Credit Cards has been collected by Maximizing Money and has not been reviewed or provided by the issuer of this card. Top Credit Card Bonuses These are some of the biggest credit card bonuses for new card members with premier rewards cards. Barclaycard Arrival Plus - $500 Travel Credit. BankAmericard Travel Rewards Card - $200 Statement Credit. Blue Cash Preferred Card - Up to $350 Bonus Reward. Chase Sapphire Preferred Card - 55,000 Bonus Points. Blue Cash Everyday Card - Up to $300 Bonus Reward. HSBC Bank Credit Cards - Up to $400 Cash Back or $600 Free Flight. Wells Fargo Cash Wise Card - $200 Bonus Cash. Chase Freedom Card - $175 Bonus and 5% Cash Back in Rotating Categories. AmEx Premier Rewards Gold Card - 50,000 Bonus Points. AARP Credit Card - $200 Bonus. Wells Fargo Rewards Card - $200 Bonus Cash. NFL Extra Points Credit Card - $100 Bonus. Santander Bravo Credit Card - $100 Bonus Offer. Top Cash Back Cards These cards offer cash back rebates on your everyday spending as well as new applicant incentives. Barclaycard CashForward Credit Card - 1.5% Cash Back and $200 Bonus. USAA Limitless Cashback Rewards Card - 2.5% Rebate on All Purchases. Chase Freedom Unlimited Card - 1.5% Cash Back and $175 Bonus. U.S. Bank Cash+ Card - Up to $125 Bonus and 5% in Select Categories. U.S. Bank Cash 365 American Express Card - 1.5% Cash Back. Ally CashBack Credit Card - $100 Bonus and 10% Ally Bank Deposit Bonus. Quicksilver from Capital One - 1.5% Cash Back and $100 Bonus. Premier Dining from Capital One - Up to 3% Cash Back and $100 Bonus. Commence MasterCard by Sallie Mae - $50 Cash Back and 25% Student Loan Redemption Bonus. BankAmericard Cash Rewards Card - 1%-3% Cash Back and $150 Bonus. Santander Ultimate Cash Back Card - 1.5% Retail Rebates and $100 Bonus. SunTrust Cash Rewards Credit Card - 5% on Gas and Groceries. Commerce Special Connections Card - 1.5% Cash Back and $150 Bonus. Best Small Business Credit Cards These business credit cards offer special savings on select purchases for small business owners. Bank of America Business Cards - $200 Bonus. AmEx Blue Business Plus Credit Card - 20,000 Bonus Points. TD Bank Business Solutions Card - $200 Cash Back Bonus. AmEx SimplyCash Plus Business Card - $400 Bonus and 5% Rebate. Chase Ink Business Cards - $300 Cash Back or 80,000 Bonus Points. AmEx Business Gold Rewards Card - 50,000 Bonus Points. Spark Cash Business Credit Card - $500 Bonus Statement Credit. Spark Miles Business Credit Card - $500 Travel Statement Credit. Starwood Preferred Guest Business Card - 35,000 Bonus Points. CitiBusiness / AAdvantage Platinum Select Card - 60,000 Bonus Miles. AmEx Enhanced Business Platinum Card - 75,000 Bonus Points. Plum Card from AmEx - $600 Bonus Credit. SunTrust Business Credit Card - 5% on Office Supply and Fuel. Best Student Credit Cards Save extra money with these college student credit card offers. BankAmericard Student Cash Rewards Card - $150 Bonus and up to 3% Cash Back. SelfScore International Student Credit Cards - $30 Bonus and 1% Cash Back. Best Airline Credit Cards Get bonus frequent flyer miles with these airline rewards credit cards. JetBlue Plus Card - 30,000 TrueBlue Points. Citi / AAdvantage Platinum Select Card - 60,000 Bonus Miles. Gold Delta SkyMiles Card - 60,000 Bonus Miles + $50 Statement Credit. Southwest Airlines Rapid Rewards Cards - 60,000 Bonus Points. United MileagePlus Explorer Card - 55,000 Bonus Points and $50 Credit. British Airways Visa Signature Card - 50,000 Bonus Avios. Alaska Airlines Visa Signature Card - 30,000 Bonus Miles and $100 Credit. AmEx Platinum Delta SkyMiles Card - 70,000 Bonus Miles + $100 Credit. Citi / AAdvantage Gold MasterCard - 25,000 Bonus American Airlines Miles. Citi / AAdvantage Executive World Elite Card - 50,000 Bonus Miles. JetBlue Card from Barclaycard - 10,000 Bonus TrueBlue Points. AAdvantage Aviator Red from Barclaycard - 50,000 Bonus Miles. Allegiant World MasterCard - $150 Discount and B1G1 Free Airfare. United TravelBank Card - $150 Bonus and 2% Back on United. Blue Delta SkyMiles Credit Card - 10,000 Bonus Miles and No Annual Fee. Best Hotel Credit Cards Earn bonus points and free stays with these hotel rewards program credit cards. Best Western Credit Card - Get 4 Free Nights. Starwood Preferred Guest Card - 35,000 Bonus Starpoints. Wyndham Rewards Credit Cards - 18,000-45,000 Bonus Points. Marriott Rewards Credit Cards - Up to 107,500 Bonus Points. Ritz-Carlton Rewards Credit Card - 3 Free Hotel Nights and 10,000 Points. Hyatt Credit Card - 2 Free Nights and $50 Credit. Citi Hilton HHonors Visa Signature Card - 75,000 Bonus Points. AmEx Hilton HHonors Card - 80,000 Bonus HHonors Points. Expedia Credit Cards - Up to 25,000 Rewards Points. Stash Hotel Rewards Card - 10,000 Bonus Points. Top Travel Rewards Credit Cards These credit cards offer a variety of benefits in various travel categories and for specific destinations. Chase Sapphire Reserve Card - 50,000 Bonus Points. Platinum Card from American Express - 60,000 Bonus Points. Venture Rewards from Capital One - 40,000 Bonus Miles. U.S. Bank Altitude Reserve Card - $750 Travel Bonus. First National Bank TravElite American Express Card - 25,000 Bonus Points. Citi Prestige Card - 75,000 Bonus Points. Citi ThankYou Premier Card - 50,000 Bonus Points. Citi ThankYou Preferred Card - 15,000 Bonus Points. U.S. Bank FlexPerks Gold American Express Card - $600 Airline Reward Ticket. Disney Rewards Credit Cards - Up to $200 Bonus Credit. Caesars Entertainment Total Rewards Card - 10,000 Bonus Points. SunTrust Travel Rewards Credit Card - $250 Bonus and 3% on Travel. Bank of America Premium Rewards Card - $500 Bonus and 2X Travel and Dining Points. Top Balance Transfer Credit Cards Save money when you transfer your high interest rate credit card accounts to these balance transfer cards. Slate from Chase - 0% APR for 15 Months with No BT Fees. SunTrust Prime Rewards Credit Card - 3-Year Prime Rate with No BT Fees. Credit Union Credit Cards Get low interest rates and excellent card features with credit union and association credit cards. PenFed Power Cash Rewards Card - $100 Bonus and 2% Cash Back. Navy Federal Credit Card - $200 Bonus and 1.5% Cash Back. Security Service FCU Card - $100 Bonus (CO, TX and UT). CapEd Credit Union Credit Card - $100 Bonus with Open Membership. Baxter Credit Union Credit Cards - $100 Bonus (IL and WI). General Electric CU Credit Cards - $100/$200 Bonus (IN, OH and KY). TwinStar Credit Union Credit Cards - $100 BT Bonus (OR and WA). KeyPoint CU Cash Rewards Card - 1.5% and $100 Bonus (CA). SchoolsFirst FCU Rewards MasterCard - 1.5% and $100 Bonus (CA). Elevations CU Rewards Cards - $100 /","I've had this card for a year, and I've redeemed more than $800 in rewards for travel. The great thing is that you get 10% of your points back when you redeem it for a travel purchase, but I just found out they're changing that in 2016. It will be 5% back on all redemptions, travel or otherwise, which disappoints me. I like that I can redeem the rewards on any travel purchase, regardless of the brands I use. Unfortunately, I had a recent issue with customer service: They flagged a reservation at a foreign hotel as fraud, though I've previously used the card to book expensive travel, both in the U.S. and abroad. Rather than contact me to see if it was me, they temporarily froze my card, which blocked the transaction and caused me to lose the reservation. I rebooked with another card. I haven't yet used the card in another country, so I can't speak to the ease of using its chip-and-PIN technology, though it is supposed to make foreign travel easier. I'll have to report back on that in the spring.","Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which cardbenefit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Cardbenefit.com does not include all credit card companies or all available credit card offers. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.","In a Nutshell: You asked -- and Barclaycard listened. The latest offer for the Barclaycard CashForward(tm) World MasterCard(r) was designed to give customers exactly what they wanted in a cash back card. Not only does the new offer double your cash back spending bonus, giving you $200 after $1,000 in qualifying purchases, but you'll also receive 0% APR on both new purchases and qualifying balance transfers for the first 15 months. Plus, the card still offers an unlimited 1.5% cash back on every purchase and a 5% bonus when you redeem. With rewards that never expire and no annual fee, the Barclaycard CashForward(tm) World MasterCard(r) is a good choice for your everyday cash back credit card. In the current digital world, where just about everyone is working to go paperless, the archaic printed retail receipt stands out like a gas-guzzler in a sea of hybrids. After browsing a digital catalogue, saving with electronic coupons, and putting their purchases in cloth bags, customers are handed a full foot-and-a-half of paper on their way out the door. To add insult to injury, it isn't even the actual transaction information taking up all of that tree pulp -- it's usually a customer survey. One that jaded modern consumers generally feel will have about as much impact on their future shopping experience as a toddler suggesting to his mother they have cake for lunch will impact their meal plans. Where the culture was once \"the customer is always right,\" it can sometimes seem as though our quantity-over-quality society no longer values customer input. For every rule, however, there is the occasional exception. Rather than saddle me with reams of paper, my local hardware store offers to email me my receipt. And rather than ignore their requests, Barclaycard paid attention to its customers. In fact, the latest Barclaycard CashForward(tm) World MasterCard(r) offer , released April 6, 2017, was entirely inspired by customer feedback. The latest offer not only includes all of the features cardholders already know and love -- it upgrades them into the biggest, best CashForward offer yet. \"We got a lot of customer feedback when we launched our last offer, and we really took that feedback to heart,\" said Laura DeGraff, the Vice President of Digital Acquisition at Barclaycard US. \"All in all, we think consumers are going to like this card. We're really excited about it.\" One of the upgraded features in the latest CashForward card offer was at the top of the list for many of the consumers who gave feedback to the Barclaycard team: a great 0% APR introductory period. The previous offer included a 0% offer for balance transfers but didn't include new purchases. Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 0% for 15 months 0% for 15 months (on balance transfers made within 45 days of account opening) 15.99%, 20.99% or 25.99% Variable $0 Excellent \"We saw that there was such a high demand for having a product that provided 0% APR on balance transfers and new purchases,\" said Laura. \"So, this new offer has a 0% introductory APR on both, and we think that will be very well-received.\" According to the offer terms, \"Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that, a variable APR will apply.\" Though there is a transfer fee, the long no-interest terms are likely to make the offer a win for most cardholders. In addition to the introductory APR terms, the signup offer also got a killer upgrade -- it actually doubled in size. \"The other major change in the product is we are increasing the cash rewards from $100 to $200, so we're doubling the bonus you get with the minimum spending requirement,\" said Laura. While the spending requirement for the bonus also doubled -- going from $500 in purchases in the first 90 days, to $1,000 in purchases -- the amount is still easily manageable for the average user. The supersized introductory terms aren't all that the Barclaycard CashForward(tm) World MasterCard(r) has going for it, of course. The CashForward card comes with solid cash back rewards, giving cardholders an unlimited 1.5% cash back on everything they purchase -- no categories or quarterly activation required. Users can also get even more bang for their cash back buck when they redeem, earning a redemption bonus worth 5% of the redeemed rewards. According to the Barclaycard CashForward page, \"You will earn 5% of your cash rewards back as a redemption bonus, to use toward your next redemption, every time you redeem. For example, if you redeem $100 in cash rewards, you will receive $5 cash rewards as a bonus to use toward your next redemption. Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50.\" Those rewards won't expire if you don't redeem right away, either. \"Cash rewards do not expire as long as your account is open, active and in good standing,\" according to the page. \"In order to redeem cash rewards, we do require that your account be open, active, and in good standing, you maintain creditworthiness, and that there is regular use of your account.\" The perks don't stop with cash back rewards, either. The CashForward card also comes with a host of fringe benefits that are the icing on this credit cake, including EMV technology to make your purchasing safer. And if your card is lost or stolen, you can rest easy with 0$ Fraud Liability. VIDEO \"Chip card technology to make paying for your purchases more secure at chip-card terminals in the U.S. and abroad,\" according to the website. \"$0 Fraud Liability means you're not responsible for unauthorized charges you report to us.\" Additionally, CashForward cardholders receive free credit score tracking -- with email alerts -- so you'll always know where you stand. According to the site, \"Free online FICO(r) Credit Score access lets you keep an eye on your credit and get email alerts when we learn that your score has changed.\" Where the consumer culture once strongly believed that the customer is always right, the current quantity-over-quality mentality sometimes seems to overlook the customer entirely. So it's refreshing to see a company not only cognizant of consumer concerns -- but actually focused on providing a product that meets those needs. Developed in direct response to the desires of the customer, the new Barclaycard CashForward(tm) World MasterCard(r) offer is bigger and better than ever. With a great introductory 0% APR offer applying to both new purchases and balance transfers, a supersized spending bonus, and unlimited 1.5% cash back on","Credit Cards Wells Fargo Advisors clients can take advantage of our credit cards that offer travel benefits, rich rewards, convenience and more. Choose the card that best suits your lifestyle. Learn more For more information about these credit cards, contact your Financial Advisor. Accelerated earnings that reward your lifestyle By Invitation Visa Signature Premium Rewards Visa Signature Propel World American Express Accelerated earnings that reward your lifestyle 3X points on airlines, 2X points on hotels and 1X points on other net purchases. 8 Welcome bonus of 40,000 points with spend of $3,000 in net purchases over first 3 months of account opening. 9 Earn an annual relationship bonus of 10%, 25% or 50% more on non-bonus rewards points if you maintain a qualifying consumer Wells Fargo Checking or Savings Account, or a Portfolio by Wells Fargo(r) relationship. 10 Explore the world. Experience the convenience. By Invitation Visa Signature Premium Rewards Visa Signature Propel World American Express Explore the world. Experience the convenience. No foreign currency conversion fees. Chip-enabled technology for greater global acceptance and added security at chip enabled terminals. Enjoy unrestricted air travel redemption- virtually worldwide, first-class, with no blackout dates. 3 $100 statement credit toward a 5-year Global Entry membership for faster entry through U.S. customs. 4 No foreign currency conversion fees. Up to $100 in reimbursements for incidental airline charges. 11 Chip-enabled technology for greater global acceptance and added security at chip enabled terminals. Enjoy unrestricted air travel redemption - virtually worldwide, first-class, with no blackout dates. Security Feature By Invitation Visa Signature Premium Rewards Visa Signature Propel World American Express Security Feature Zero Liability for promptly reported unauthorized transactions. Zero Liability for promptly reported unauthorized transactions. Zero Liability for promptly reported unauthorized transactions. Experiential Features and Benefits By Invitation Visa Signature Premium Rewards Visa Signature Propel World American Express Experiential Features and Benefits Go Far Rewards(tm) 24/7 concierge and priority access to qualifying entertainment events. Exclusive privileges when you book through the Luxury Hotel Program. Access to tickets before the general public. Link your card with your Facebook, Foursquare or Twitter account to get special offers and experiences from Amex Offers. 12 Online Tools to Simplify Payments By Invitation Visa Signature Premium Rewards Visa Signature Propel World American Express Online Tools to Simplify Payments Already have a credit card with Wells Fargo Advisors? Sign on to manage your account, or call 1-866-229-6633 for account servicing 24 hours a day, 7 days a week. Learn more For more information about these credit cards, contact your Financial Advisor. 1 3 rewards points (1 base plus 2 bonus) are earned for each $1 spent in net purchases (purchases minus returns/credits) only at retailers whose merchant category code for Visa is classified as: airline, passenger railway, cruise line, hotel/motel, travel agency, or vehicle/auto rental. 2 points (1 base plus 1 bonus) are earned for each $1 spent in net purchases only at retailers whose merchant category code for Visa is classified as restaurant. Purchases not processed using these merchant codes for Visa will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. 1 point will be earned for each dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS(tm), cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including (but not limited to) returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Wells Fargo Rewards(r) Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation(r) Visa Signature(r) Card for details . 2 You will earn 35,000 Points (Your \"Anniversary Bonus\") if You have made at least $75,000 in Net Purchases (purchases minus returns/credits) on Your Wells Fargo Advisors By Invitation(r) Visa Signature(r) credit card account during the 12 month period (Your \"Anniversary Year\")that begins on your account open date (Your \"Anniversary Date\") and ends on the day prior to your next Anniversary Date. For example, if Your Anniversary Date is November 28th, your Anniversary Year will end on November 27th each year. Wells Fargo does not have the ability to control when merchants process transactions; therefore the date of each transaction is determined based on the transaction date provided by the merchant. If the Net Purchase threshold is met prior to the end of Your Anniversary Year, Your Anniversary Bonus will appear as Pending on Your Anniversary Date and will be redeemable within 1-2 billing periods after Your Anniversary Date. Your Anniversary Bonus will be awarded annually in the same manner, as long as You make at least the required amount of Net Purchases during any subsequent Anniversary Year. A new Anniversary Year begins each calendar year on the anniversary of your account open date. This Anniversary Bonus is solely for Your Wells Fargo Advisors By Invitation(r) Visa Signature(r) credit card, and excludes all transactions made with other Wells Fargo credit cards. 3 Flights must be redeemed through Go FarTM Rewards. For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by 0.015, rounded up to the nearest whole point. Points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. Cash redemption options must be redeemed in $25 increments (currently 2500 points). Certain restrictions and limitations apply. Refer to the Summary of the Wells Fargo Rewards(r) Program Terms and Conditions and Addendum for the Wells Fargo Advisors By Invitation Visa Signature Card or the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Advisors Premium Rewards Visa Signature Card . 4 Global Entry and TSA Pre(tm) are U.S. Government programs. Visa and Wells Fargo Bank, National Association have no control over the program including, but not limited to, application, approval process or enrollment, fees charged, and no liability with regards to the Global Entry or the TSA Pre program. For complete details on the Global Entry or TSA Pre programs, including full terms and conditions, go to www.globalentry.gov and www.tsa.gov/tsa-precheck. You must complete the Global Entry application and pay a $100 nonrefundable application fee or the TSA Pre application and pay a $85 nonrefundable application fee with a valid Wells Fargo By Invitation Visa Signature Card to be eligible for this statement credit. Up to 2 cardholders per account can each","Blue Cash Preferred(r) Card from American Express vs Citi Double Cash Compare Rewards, Interest Rates, Fees, and Benefits American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. ( read more ) Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Citi Double Cash, a cash back credit card? Read our comparison chart below. Keep in mind, the Blue Cash Preferred has a $0 intro annual fee for the first year of Card Membership, then $95, while the Citi Double Cash has a $0 annual fee .   Read Citi Double Cash Review       Credit Card Interest Rates & Fees Introductory APR for Balance Transfers N/A 0%* introductory APR for 18 months* Purchase APR 13.99% to 24.99% Variable based on your creditworthiness and other factors 14.49% to 24.49% * (Variable) based on your creditworthiness and other factors Balance Transfers APR 13.99% to 24.99% Variable based on your creditworthiness and other factors 14.49% to 24.49% * (Variable) based on your creditworthiness and other factors Annual Fee $0 intro annual fee for the first year of Card Membership, then $95 $0 annual fee Terms Apply See Rates & Fees     Credit Card Rewards & Benefits Introductory Bonus Cash Back Introductory Bonus Cash Back: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.   Cash Back Rewards Cash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1% ) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Terms and limitations apply. Cash Back Rewards: Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases Gas Rewards Gas Rewards: 3% cash back at U.S. gas stations. Terms and limitations apply   Grocery Rewards Grocery Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. Terms and limitations apply     CreditDonkey(r) Credit Card Reviews Pros & Cons Pros: Cons: Pros: Cons: Bottom Line Excellent cash back credit card for families ... Read full review Great rewards credit card to earn cash back twice with no annual fee ... Read full review   Read Citi Double Cash Review What Others View See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Citi(r) Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on June 20, 2017 from published websites and is believed to be accurate, but not guaranteed. Which is Better: Blue Cash Preferred or Citi Double Cash? Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Blue Cash Preferred or Chase Freedom Unlimited . Explore Blue Cash Preferred(r) Card from American Express In-Depth If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred(r) Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday. Explore Citi(r) Double Cash Card In-Depth You Might Also Like Are you proud of your excellent credit? You should be, as you're a wanted person. The Barclaycard CashForward(tm) World Mastercard(r), aimed at people who have great credit, rewards you nicely. With its generous $200 promotion and its above-average 1.5% cash rewards on all purchases, this cash back credit card is worth considering. Compare Blue Cash Preferred to: Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 16.99% - 23.99% Variable Annual Fee Introductory Annual Fee of $0 the first year, then $95 You might also be interested in Compare Citi Double Cash to: Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee 0% for 15 months 0% for 15 months 15.99% - 24.74% Variable $0","Barclaycard(r) Credit Cards Founded in the United Kingdom and now among the largest credit card issuers in Europe, Barclaycard(r) presents consumers with a wide variety of options. Whether you are applying for your first credit card, or you have excellent credit and are looking to be rewarded with first-rate perks, there is a Barclaycard(r) credit card tailored to your needs. With balance transfer cards, rewards cards, and credit cards for those with limited credit histories, you can be sure to find a perfect fit from one of the offers listed below. The following are some featured cards from our partner, Barclaycard(r).","The Barclaycard CashForward(tm) World Mastercard(r) offers a 1.5% rewards rate, that is bumped up slightly after your first redemption, thanks to a 5% bonus. That, combined with the $200 bonus you get after spending $1,000 on purchases within the first 90 days, makes this a pretty decent card to have. In the long term, it can't outperform the best flat rate cash back credit cards , such as the Citi(r) Double Cash Card - 18 month BT offer or Fidelity(r) Rewards Visa Signature(r) Card . However, until you spend $20,000+ on your credit card, this one will offer superior value. Review: Is the Barclaycard CashForward(tm) World Mastercard(r) Worth It? The Barclaycard CashForward(tm) World Mastercard(r) one of the better flat rate cash back credit cards. It provides users with slightly better rewards than one of our other favorite cash back cards, the Capital One(r) Quicksilver(r) Cash Rewards Credit Card . Choosing between the two cards ends up being a trade-off between better rewards and overseas spending. While this card will provide you with the better value, it has a 3% foreign transaction fee that makes it less-than-ideal for use outside of the United States. In the long-term, however, we recommend users use a 2% cash back credit card. While it doesn't have any annual fee, using the card comes at a very high opportunity cost, past the $40k mark because of other options. If you could use either this card or the a 2% card to make a purchase, you should always opt to pay using the latter, since you stand to gain an additional .5 percentage points. However, 2% cash back cards do not, typically, give users any bonuses as a trade-off. The only way a card like the Citi(r) Double Cash Card - 18 month BT offer wouldn't always offer you the better value, is if you weren't paying your credit card bill in full every month. However, if you are already engaging in such a practice, we recommend holding off on using credit cards, as the interest you pay will counteract any value you get out of either card. Bottom Line: The Barclaycard CashForward(tm) World Mastercard(r) is a pretty decent credit card to have, due to higher-than-average rewards and no annual fee. We recommend that consumers get this card in conjuction with the Citi(r) Double Cash Card - 18 month BT offer or Fidelity(r) Investment Rewards(r) American Express(r) , in order to maximize their value. Benefits & Features of the Barclaycard CashForward(tm) World Mastercard(r) The Barclaycard CashForward(tm) World Mastercard(r) is a flat rate cash back credit card, giving cardholders 1.5% back on every purchase they make. With that, there are no categories to keep track of, and no need to optimize your spending. Plus, every time you redeem rewards for this card, you will receive a 5% bonus towards your next redemption. That will effectively boost your ongoing cash back rate to anywhere between 1.51 and 1.57%. The rewards can be deposited into your bank account, used as statement credit or turned into gift cards - all at the same rate. Annual Fee $0 Purchase APR 15.99%, 20.99% or 25.99% Variable Card Details Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers No annual fee If you manage to spend at least $1,000 on your Barclaycard CashForward(tm) World Mastercard(r) within the first 90 days of account opening, you will receive a $200 cash rewards bonus. Keep in mind that in order to qualify, you must make $1,000 in purchases - that means balance transfers and cash advances don't count. How Do The CashForward Rewards Work? If you make $5,000 in purchases using the Barclaycard CashForward(tm) World Mastercard(r), you will earn $5,000 x 1.5% = $75 in rewards. Going forward, the next time you spend $5,000 and redeem for cash back, you will receive $5,000 x 1.5% = $75 PLUS a 5% bonus. That comes out to $75 x 5% = $3.75. Therefore, your cumulative rewards will come out to $75 + $3.75 = $78.75. Since up to this point you have spent $10,000, and received $75 + 78.75 = 153.75 in rewards, your effective rewards rate becomes $153.75 / $10,000 = 1.5738%. In the short-term, going from redemption-to-redemption, it may seem like you may receive a significant boost, but if you look at your total rewards earned against total overall spending, you will never be coming out from this with a rewards rate higher than 1.6%. How Does The Barclaycard CashForward(tm) World Mastercard(r) Compare Against Other Credit Cards? In order to see if the Barclaycard CashForward(tm) World Mastercard(r) is of any value, it's important to see it against the backdrop of other credit cards. Below we compared its performance to other popular cash back credit cards. Barclaycard CashForward(tm) World Mastercard(r) vs Chase Freedom(r) The Chase Freedom(r) is one of our favorite cash back credit cards . It does not offer one flat rate, like the Barclaycard CashForward(tm) World Mastercard(r). Instead, it offers 5% cash back in categories that rotate each quarter throughout the year, on up to $1,500 in purchases. On everything else, it earns just 1% cash back. As long as a small portion of your overall spending falls into these 5% bonus categories of the Chase Freedom(r), it will become a better value than the Barclaycard CashForward(tm) World Mastercard(r). All you have to do is make sure to follow which categories are currently earning you the best rewards for the given months. For example, in the second quarter of 2016 you can earn bonus rewards on grocery store purchases and wholesale clubs. In the short-term, the Chase Freedom(r) has a worse bonus. If you spend $500 on purchases within the first 3 months, you'll receive $150. That's one of the best bonuses , though not as good as the bonus on the Barclaycard CashForward(tm) World Mastercard(r). Barclaycard CashForward(tm) World Mastercard(r) vs Capital One(r) Quicksilver(r) Cash Rewards Credit Card The Capital One(r) Quicksilver(r) Cash Rewards Credit Card is a flat rate 1.5% cash back rate, and has a slightly worse bonus than the Barclaycard CashForward(tm) World Mastercard(r). Because the Barclaycard CashForward(tm) World Mastercard(r) has the ongoing 5% bonus you get towards every redemption, it will almost always edge out the Capital One(r) Quicksilver(r) Cash Rewards Credit Card and perform slightly better. The difference will be negligible at first, but over enough time the Barclaycard CashForward(tm) World Mastercard(r) will produce the better value. One place where the Capital One(r) Quicksilver(r) Cash Rewards Credit Card is superior is overseas spending. The Capital One card doesn't come with any foreign transaction fees. The Barclaycard CashForward(tm) World Mastercard(r) will charge you 3% every time you use it outside of the United States. Therefore, when travelling abroad, you should always use a card like the Capital One(r) Quicksilver(r) Cash Rewards Credit Card. Barclaycard","Li Ji Shen Qing : https://creditcards.citicards.com/usc/Costco/Consumer/2016/June/external/default.htm?BTData=BlO.B.gAB4f.J.BnA.MX5h.OUg.jL0.r!j.Bj.Cd.Gy.E&app=UNSOL&sc=GIDA1266&m=6CK7111111W&cmp=AFA~01~120201~CARDSACQ~comparecards&B=S&ID=3405&uc=F4S&t=t&AID=12616604&PID=7051630&SID=212867561&ProspectID=793D2E6F01474F5289F0DFE8FEC3CF33","Qualifying for a Credit Card Most consumers qualify for a credit card. Credit card issuers determine an applicant's eligibility using three pieces of information -- income, existing debt, and credit score. Income You need stable income, such as a job or pension. New rules require card issuers to use your spouse's income if you have no income. Debt Your monthly debt payments must be low relative to your income. This doesn't mean you need to be debt-free to qualify for a card. Credit Score Every card issuer sets their own minimum credit scores for each of their cards. They reserve the best offers for people with the highest scores. You need strength in all three areas to qualify for a credit card. Or put another way, you face an uphill battle if you, for example, have reliable income and low debt but a terrible credit score, or have a great score and no income. It all comes down to risk -- do lenders perceive you as a risky borrower? A very high-risk person may qualify only for a secured credit card , which is a card where the applicant must give the issuer a cash deposit in an amount that covers the available line of credit. A low-risk person, however, will pay the lowest interest rates and will qualify for cards with the best perks. The MoneyGeek Credit Card Comparison Tool below can help you find the card that matches your situation and spending habits. Types of Credit Cards Not all credit cards are the same. Some are tailored to travelers, others are meant to appeal to people who want the lowest interest rate, and others are designed for people who want to transfer the balances on their other cards to one card. Typically, the lowest rates and most valuable benefits are reserved for individuals with high credit scores. Credit cards may offer additional perks such as travel insurance, concierge service or special entertainment opportunities to users with good credit. Some card companies offer rewards, airline miles or cash back. Frequently, credit card companies offer zero-percent-interest incentive programs to encourage credit card users to transfer their balances to that company. Before signing up for the first card you are offered, look at the different types of cards available to you to see what type best suits your needs. 5 Credit Card Shopping Tips Credit card issuers want your business. But they also want to reduce their risk and do business with consumers who will prove profitable. Follow these five tips to ensure your credit card shopping is successful. 1 Know Your Credit History Card issuers want applicants who have a regular payment history. Frequent late payments, a high debt-to-income ratio or prior bankruptcy can have a negative effect on a lender's decision to grant you a credit card. Go to AnnualCreditReport.com to download your no-cost, no-gimmick credit history from one or more of the three national credit bureaus. 3 Know Your Debt Payments Card issuers do not want your credit limit to exceed a manageable debt load for your income. Companies look at any existing debt you may have, what your credit score is and your income. Each lender has different rules and policies. Read each credit application carefully to understand how a credit limit is reached. 4 Know Your Income Card issuers verify an applicant's income using information from the three credit bureaus (Equifax, Experian and TransUnion), employment history and IRS tax data. Banks set your credit limits on your income, debt, and credit score. For example, if your income is $25,000 a year, your limit could be set at $2,000. And if your income is just $10,000, you might qualify for only $500 worth of credit. Lenders consider all income available to the applicant, including child support and spouse's income. 5 Know Your Goals Understand your reasons for wanting a credit card. If you plan to travel for business, then you may want to focus on a card with a high limit and ignore APRs because you expect to repay the balance promptly. If you plan to carry a balance, then focus on APRs and low fees. If you need to start your credit history from scratch, then look for secure credit cards with low fees and a promise of a path to an unsecured card. Credit Card Terms EMV Smart Chip Smart chips or EMV chips (so named because the technology was developed by Europay, MasterCard and Visa) are now embedded in select credit cards. This technology offers enhanced security against counterfeiting. Instead of swiping, cards are inserted into a slot or tapped on the terminal for processing. Grace period A grace period extends the period you have to pay your credit card bill without any interest charges. The Credit CARD Act of 2009 requires grace periods be at least 21 days. The grace period usually applies only to new purchases, not cash advances or balance transfers. \"Schumer Box\" Named after U.S. Sen. Charles Schumer, a Schumer Box is the standardized format of an easy-to-read table or \"box\" that discloses the rates, fees, terms and conditions of a credit card agreement. This disclosure is required under the Federal Truth in Lending Act (TILA). Prime rate The Prime rate is a benchmark interest rate (index) on which many variable credit card interest rates are based and is turn based on the federal funds rate set by the Federal Reserve. This allows a credit card interest rate to fluctuate automatically with the market. Credit CARD Act of 2009 The Credit Card Accountability, Responsibility and Disclosure Act of 2009 was put into effect on May 22, 2009. Protections include restricting when interest rate increases can be made, the requirement of a 45-day advance notice for any significant changes in credit card terms and the 21 a day grace period before interest occurs. Statement period Closing dates vary, but a statement period is generally 30 days. Interest is calculated on the balance remaining at the end of each statement period. Cardholders typically have 14 days from the statement closing date before their monthly bill is due. MoneyGeek Credit Card Guides","Advertiser Disclosure: DealAM.com may receive compensation from the credit card offers, bank offers & other financial & insurance services and products that appear on. This compensation may impact how and where these products & services appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card, bank, financial and insurance product and service offers.","Toggle navigation Hua Ren Gong Shang Wang  Sheng Huo Bai Ke  Li Cai  Xin Yong Qia  Shua Qia Zhuan Xian Jin  Fan Xian Xin Yong Qia Da Bi Jiao  Shua Qia Zhuan Xian Jin  Fan Xian Xin Yong Qia Da Bi Jiao  Shi Jian :09/05/2017 Liu Lan : 243 Bu Chang Da Fei Ji Chu You ,Wai Chu Zhu Lu Guan Fan Dian De Ji Lu Ye Bu Gao ,Ban Hang Kong Gong Si Yu Fan Dian Lian Ming Qia De Xiao Yi Dui Wo Lai Shuo Bu Tai Gao ,Ping Shi Ji Dian De Su Du Ye Hen Man ,Yin Ci Gao Hong Li De Qia Pian Hao Xiang Ye Bu Tai Xu Yao . Zhen Dui Zhe Xie Ren ,Dao Bu Fang Kao Lu Fan Xian Xin Yong Qia ,Jiang Hui Kui Zhuan Wei Xian Jin Na Dao Shou Zui Wei Shi Ji .  Yi Xia Bi Jiao Ji Zhang Shi Mian Shang Huo Hao Ping De Fan Xian Qia ,Kan Kan Na Yi Zhang Zui Shi He Ni De Xiao Fei Mo Shi ,Zui Da Hua Na Xian Jin .  Barclaycard CashForward World Mastercard Blue Cash Everyday Card from American express Blue Cash Preferred Card from American Express Chase Freedom Unliminted Visa Card Wells Fargo Cash Wise Visa Card Xiao Fei Men Jian :Blue Cash Everyday & Freedom Unlimited  Sheng  Mei Guo Yun Tong Qia Blue Cash EverydayJi Da Tong Freedom UnlimitedDe Xiao Fei Men Jian Shi Zui Di De ,Zhi Yao Zai Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $500Ji Ke Huo De Kai Qia Jiang Li ,Qi Yu 3Zhang Qia De Xiao Fei Men Jian Shi $1,000.  Kai Qia Jiang Li :Barclaycard & Wells Fargo Cash Wise  Sheng  Zhe Liang Zhang Xin Yong Qia Jie Zai Kai Qia Hou 3Ge Yue (Wells Fargo Cash Wise)Nei Huo Shi 90Tian (Barclaycard)Nei Xiao Fei Man $1,000Ji Ke Huo De $200De Xian Jin You Hui .  Er Mei Guo Yun Tong Qia De Blue Cash Preferred, Blue Cash EverydayJi Da Tong Freedom UnlimitedDe Kai Qia Xian Jin You Hui Shi $150. Zhi Shi FreedomQia E Wai Jia Ru De Di Yi Ge Shou Quan Shi Yong Zhe Ru Guo Ye Zai Tong Yang 3Ge Yue Nei Xiao Fei Ke De E Wai De $25Jiang Li .  Fan Xian Jiang Li E Du :Blue Cash Preferred  Sheng  Blue Cash PreferredTi Gong Chao Shi Xiao Fei 6%De Gao E Fan Xian ,Yi Nian Zui Gao Fan Xian Zhi $6,000Hou Jiang Wei 1%. Jia You Yu Bai Huo Gong Si Xiao Fei 3%Fan Xian ,Qi Yu Xiao Fei Ze Shi 1%Fan Xian .  Blue Cash EverydayZe Shi Chao Shi Xiao Fei 3%Fan Xian ,Tong Yang Yi Nian Zui Gao Fan Xian Zhi $6,000Hou Jiang Wei 1%. Jia You Yu Bai Huo Gong Si Xiao Fei 2%Fan Xian ,Qi Yu Xiao Fei 1%Fan Xian .  Well Fargo Cash WiseRen He Xiao Fei Du Shi 1.5%Fan Xian ,Bi Jiao Te Bie De Shi Shi Yong Shou Ji Android PayHuo Shi Apple PayXiao Fei ,Di Yi Nian Ke Xiang 1.8%Fan Xian .  BarclaycardRen He Xiao Fei 1.5%Fan Xian .  Chase Freedom UnlimitedTong Yang Ye Shi Ren He Xiao Fei 1.5%Fan Xian .  Zui Chang 0%Nian Li Lu :Barclaycard & Freedom Unlimited  Sheng  BarclaycardJi Freedom UnlimitedJun Ti Gong 15Ge Yue Xiao Fei Jiao Fei 0%Nian Li Lu De Qia ,Shi 5Zhang Qia Zhong Zui Chang De . Qi Ta 2Zhang Qia Well Fargo Cash WiseJi Blue Cash EverydayZe Shi Du Ti Gong 12Ge Yue 0%Nian Li Lu . Zhi Yu Blue Cash PreferredZe Shi Yi Chi Qia Zhe Tiao Jian You 13.99%Zhi 24.99%De Nian Li Lu .  Wu Nian Fei : Ping Shou  Chase Freedom Unlimited, Wells Fargo Cash Wise Card, Barclaycard CashForwardJi Blue Cash EverydayQia Du Shi Wu Nian Fei De Xin Yong Qia . Blue Cash PreferredZe Shi Di Yi Nian Wu Nian Fei ,Zhi Hou Mei Nian $95.  Te Se Fu Li : Barclaycard CashForward-Mei Ci Dui Huan Shi ,Hui You 5%De Xian Jin Dui Huan Jiang Li Hui Dao Zhang Hu Gong Xia Ci Dui Huan Shi Yong . Ye Ke Yi Jiang Xian Jin Jiang Li Cun Dao Ni De Yin Xing Zhang Hu (Xian Mei Guo Jing Nei Yin Xing ),$50Yi Shang Kai Shi Dui Huan ,Kan Zhu Yin Xing Hu Tou De Qian Shang Sheng ,Zhu Shi Ling Ren Kai Xin . Ling You Mian Fei Wang Lu Cha Yue FICOXin Yong Fen Shu ,Er Qie Ru Guo Fen Shu You Bian Dong Ye Neng Huo De Tong Zhi .  Chase Freedom Unlimited-Ru Tong Barclaycard CashForwardYi Ban ,Ke Yi Jiang Xian Jin Jiang Li Zhi Jie Cun Dao Ni De Yin Xing Zhang Hu (Xian Mei Guo Jing Nei Yin Xing ).  Blue Cash Everyday-Tui Huo Bao Hu ,Zhi Yao Shi Zai Mei Guo Jing Nei Yi Gai Xin Yong Qia Xiao Fei ,Zi Xiao Fei Ri Qi 90Tian Nei Yu Dao Dian Jia Bu Jie Shou Tui Huo ,Mei Guo Yun Tong Ke Yi Ti Ni Ban Li Tui Kuan . Mei Ge Dan Pin Zui Gao Tui $300,Yi Nian Zui Gao $1,000. Xiao Fei Bao Zhang ,Zi Xiao Fei Ri Qi 90Tian Nei ,Suo Gou Shang Pin Sun Huai Huo Shi Bei Tou ,Dan Bi Zui Gao Li Pei $1,000,Yi Nian Zui Gao $50,000(You Qi Ta Tiao Jian Xian Zhi ).  Blue Cash Preferred-Chu Liao Yu Blue Cash EverydayYi Yang You Tui Huo Bao Hu Yu Xiao Fei Bao Zhang Wai ,Zai Te Ding Cheng Shi De Yi Wen Huo Yu Le Huo Dong Ti Gong Mei Guo Yun Tong Qia You Du Jia De You Xian Gou Piao Shi Jian .  Wells Fargo Cash Wise-Ke Yi Zai Wells FargoQuan Mei Chao Guo 13,000Tai De ATMTi Kuan Ji Zhong Zhi Jie Ling Qu Xin Yong Qia De Xian Jin Jiang Li ,Zui Shao $20Qi ,Xian Jin Zhi Jie Na Zai Shou ,Gan Jue Zui Shi Ji . Ling Wai Ru Guo Shi Yong Xin Yong Qia Zhi Fu Shou Ji Zhang Dan ,Jiu Ke Huo De Mei Ci Zui Gao $600De Shou Ji Sun Huai Huo Bei Dao De Bao Xian Pei Chang ,Mei Nian Zui Duo Shen Qing Liang Ci ,You $25Zi Fu E . Mian Fei Wang Lu Cha Yue FICOXin Yong Fen Shu .  (Lai Yuan :worldjournal,Ban Quan Gui Yuan Zuo Zhe Suo You . Ru You Qin Quan Qing Lian Xi Wo Men ,Wo Men Jiang Ji Shi Chu Li ,Xie Xie . ) Da Kai Wei Xin ,Shi Yong  \"Sao Miao QR Code\" Ji Ke Jiang Wang Ye Fen Xiang Dao Wo De Peng You Quan . ","The Wells Fargo Cash Wise Visa Card is offering an online only promotion that provides you with a $200 cash rewards bonus when you spend $1,000 in the first 3 months. Plus, new card members will earn 1.8% cash rewards on Android Pay or Apple Pay mobile wallet purchases during the first 12 months from account opening. You'll also earn unlimited 1.5% cash rewards on all of your purchases with the Wells Fargo Cash Wise credit card, and there is no annual fee. The 1.5% rebate and $200 bonus offer make the Wells Fargo Cash Wise Visa Card competitive with Barclaycard's CashForward Card , which also has a $1,000 spending requirement to earn a $200 cash reward. The Wells Fargo Cash Wise Visa Card does offer an interesting cash redemption option, allowing you to use your Wells Fargo Debit or ATM card to redeem for cash at Wells Fargo ATMs ($20 increments), so this is an added benefit if you are already a Wells Fargo banking customer. Wells Fargo Cash Wise Visa Card Details Just apply online for the Wells Fargo Cash Wise Card to qualify for this $200 bonus reward. $200 cash rewards bonus if you spend $1,000 in first 3 months. 1.5% cash rewards on everyday purchases. 1.8% cash rewards on Android Pay or Apple Pay mobile wallet purchases during the first 12 months. Earn extra rewards and get deals at popular stores when you shop Wells Fargo's Earn More Mall. Cash rewards do not expire as long as your account remains open. Use your Wells Fargo Debit or ATM card to redeem your rewards for cash at Wells Fargo ATMs ($20 increments). Direct deposit your rewards into your Wells Fargo savings or checking account. Apply your rewards as a credit to your qualified Wells Fargo mortgage principal. 0.00% introductory APR for 12 months on Purchases and Balances Transfers. No annual fee. 24/7 Fraud Monitoring. Zero Liability Program to protect you from liability for unauthorized transactions when you report them promptly. Chip technology for better protection against counterfeit fraud when used at a chip-enabled terminal. Rapid Alerts to track purchases and receive notifications of irregular or suspicious activity. Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. Auto Rental Collision Damage Waiver provides auto coverage for damage due to collision or theft. Emergency Card Replacement and Cash Disbursement. Call the number on the back of your card when you need an emergency cash advance or a replacement card delivered to you. Check out the Wells Fargo Cash Wise Visa Card to get a $200 cash bonus and 1.5% cash back on all of your card purchases. 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Mei Yuan 2Dian Fan Dian ,Lei Ji Qi Lai Huan Ji Piao Gen Jiu Dian Jiu Hao Hua Suan .     Chase Sapphire Preferred   Can Ting , Lu Xing Mei $1De 2Dian |Qi Ta Xiao Fei Mei $1De 1Dian  (Yong Dian Shu Ding Jiu Dian Shi Ke Xiang 8Zhe ,Xiang Dang Yu 2.5%Fan Dian )   Kai Qia Fu Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $4,000Song 50,000Dian    Wu Hai Wai Shua Qia Shou Xu Fei    Nian Fei :Shou Nian Mian Fei ,$95/Nian     Chase Freedom Card   Mei Yi Ji Jie Hui Zhen Dui Te Ding Xiao Fei Lei Bie Ti Gong 5%Xian Jin Hui Kui ,Qi Ta Ze Wei 1%Xian Jin Hui Kui    Kai Qia Fu Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $500,Jiu Song $150Hui Kui Jin    Mei Ji 5%Hui Kui De Xiao Fei Shang Xian Wei $1,500,Chao Guo Bu Fen Yi 1%Ji    Mei Ji 5%Hui Kui Bi Xu Zi Xing Jia Ru Can Yu    Gen Ju  Chase Ding Yi ,Walmart, Target Bu Suan Chao Shi ,Suo Yi Zhi You 1%   Nian Fei :$0/Nian     Fu Ze Jia Li Zhu Yao Kai Xiao , Jing Da Xi Suan Dan You Jian Gu Sheng Huo Pin Zhi De Yi Hun Zu :   Tui Jian :   You Nian Fei :Chase Sapphire Reserve   Wu Nian Fei :Chase Freedom   Xian Bu Yao Bei Chase Sapphire ReserveDe $450Nian Fei Gei Xia Dao !Ru Guo Ni Shi Fu Ze Jia Zhong Yi Jia Lao Xiao Zhu Yao Kai Xiao Dan You Xiang Yao Jian Gu Sheng Huo Pin Zhi , Ding Qi Xi Jia Dai Juan Qu Lu Xing , Chu Guo Huo Fan Guo Tan Qin De Yi Jia Zhi Zhu ,Zhe Zhang Qia Jue Dui Neng Rang Ni Hua Suan ,Ru Guo Zai Jiang Mei Nian $300De Lu Xing Tui E Kao Liang Jin Qu ,Shi Shi Shang Nian Fei Ye Jin $150!Lu Xing Yu Can Ting De Xiao Fei Jie 3Bei Fan Dian ,Hai Wai Shua Qia Ye Ling Shou Xu Fei .     Chase Sapphire Reserve   ChaseMu Qian Zui Qiang Dian Shu Gao Jie Qia    Lu Xing , Can Ting Mei $1De 3Dian |Qi Ta Xiao Fei Mei $1De 1Dian    Kai Qia Fu Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $4,000Song 50,000Dian    Te Shu Jiang Li :Mei Nian Du You $300Lu Xing Xiao Fei Tui E    Nian Fei :$450/Nian ,Fu Qia $75/Nian  (Shou Nian Xu Jiao Nian Fei )   Ke Zai  Chase UR Lu You Ye Mian Yi  1UR =1.5cent De Jie Zhi Gou Mai Ji Piao , Fan Dian , Zu Che    Zu Che Ke Xiang  Primary Insurance   Sui Qia Fu Zeng  Priority Pass Ke Mian Fei Jin Chu Quan Qiu Chao Guo 900Jian He Zuo Ji Chang Gui Bin Shi (Ke Dai Liang Ming Tong Xing Lu Ke )   Wu Hai Wai Shua Qia Shou Xu Fei     Chase Freedom Card   Mei Yi Ji Jie Hui Zhen Dui Te Ding Xiao Fei Lei Bie Ti Gong 5%Xian Jin Hui Kui ,Qi Ta Ze Wei 1%Xian Jin Hui Kui    Kai Qia Fu Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $500,Jiu Song $150Hui Kui Jin    Mei Ji 5%Hui Kui De Xiao Fei Shang Xian Wei $1,500,Chao Guo Bu Fen Yi 1%Ji    Mei Ji 5%Hui Kui Bi Xu Zi Xing Jia Ru Can Yu    Gen Ju  Chase Ding Yi ,Walmart, Target Bu Suan Chao Shi ,Suo Yi Zhi You 1%   Nian Fei :$0/Nian     Bu Xiang Fu Nian Fei ,Mei Chong Xiao Fei Du Ping Jun ,Nao Dai Kong Kong Lan De Xiang :    Tui Jian :Citi Double Cash   Citi Double CashQuan Bu Xiao Fei Yi Lu 2%Fan Xian Gei Ni ,Jian Dan Ming Liao You Gan Cui ,Zui Gua He Bu Xiang Dong Nao Si Kao De Ren Ban Lai Dang Qian Bao Qia ,Ye Bi Chase Freedom Unlimited, Barclaycard CashForward World MasterCardHe Wells Fargo Cash Wise Visa Credit CardDe 1.5%Huan Gao .     Citi Double Cash   Wu Lun He Chong Xiao Fei Yu Shang Dian Du Ti Gong 1%+1%De Xian Jin Hui Kui    Nian Fei :$0/Nian     CostcoZhong Shi Fen Si    Tui Jian :Costco Anywhere Visa? Card by Citi   Chu Liao CostcoBen Shen De Xiao Fei Du You 2%Fan Xian ,Zhe Zhang Qia Zai Jia You , Can Ting , Lu Xing Ye Du You You Yu Shi Mian Shang Jue Da Duo Shu Xin Yong Qia De Fan Xian Bai Fen Bi .     Costco Anywhere Visa Card by Citi   Fan Xian :Jia You 4% (Xiao Fei Shang Xian $7,000/Nian ,Chao Guo Bu Fen 1%Ji )|Can Ting Yu Lu Xing 3%|Costco 2%|Qi Ta 1%   Nian Fei :Ji  Costco De Hui Yuan Fei    Jie Lun :4%Jia You Hui Kui Ting Qiang ,Qi Ta You Hui Ye Hen Ju Jing Zheng Li ,Zai  Costco Yi Wai Di Fang Ye Hen Hao Yong     Shi Shou Ji Ru Ming !Shou Ji Chang Shuai Pi Huo Shi Zong    Tui Jian :Wells Fargo Cash Wise Visa Credit Card   Zhe Zhang Mian Nian Fei Xin Yong Qia Ye Shi Zou Yi Lu 1.5%Fan Xian De Xin Yong Qia ,Zhong Dian Shi Ta Huan You Ti Gong [Shou Ji Sun Pi Huo Qie Dao Xian ] ,Shi Zhong Duo Wu Nian Fei Qia Zhong Nan De You Shou Ji Bao Xian De Xin Yong Qia ,Chao Gua He Na Xie Chang Chang Bu Xiao Xin Shuai Shou Ji Huo Yi Shi Shou Ji De Ren . 1.5%De Tong Yi Fan Xian Ye Neng Rang Mei Bi Xiao Fei Du Zhuan Man Hui Kui .     Wells Fargo Cash Wise Visa? Credit Card   Kai Qia Jiang Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $1000You $200Fan Xian (Mu Qian Shi Gao Kai Qia Jiang Jin !)   Xiao Fei You Hui :Yi Lu 1.5%Fan Xian ,Bu Fen Xiao Fei Lei Bie .    Te Bie You Hui :   -- Kai Qia Hou 12Ge Yue Nei Suo You Xing Dong Zhi Fu (Apple PayHuo Android Pay)You 1.8%Fan Xian .    -- Zhi Yao Yong Ci Qia Zhi Fu Dian Hua Zhang Dan ,Ji Ke Xiang You Shou Ji Sun Pi Yu Qie Dao Xian ,Zui Gao Pei Chang $600(Xu Fu $25Zi Fu E ).    Nian Fei :$0/Nian     Jing Chang Lu Xing ,Mei Te Ding Hang Kong Huo Fan Dian Pian Hao De Ya Pi :    Tui Jian :Chase Sapphire Reserve   Chase Sapphire ReserveChu Liao Hui Kui Dian Shu Gao ,Zhe Zhang Qia Geng Sui Qia Fu Zeng  Priority Pass Ke Mian Fei Jin Chu Quan Qiu Chao Guo 900Jian He Zuo Ji Chang Gui Bin Shi (Zhi Duo Ke Dai Liang Ming Tong Xing Lu Ke ),Hai Wai Shua Qia Ye Ling Shou Xu Fei ,Rang Ni Mei Ci Lu Xing Du Qing Song Shu Gua .     Chase Sapphire Reserve   ChaseMu Qian Zui Qiang Dian Shu Gao Jie Qia    Lu Xing , Can Ting Mei $1De 3Dian |Qi Ta Xiao Fei Mei $1De 1Dian    Kai Qia Fu Li :Kai Qia Hou 3Ge Yue Nei Xiao Fei Man $4,000Song 50,000Dian    Te Shu Jiang Li :Mei Nian Du You $300Lu Xing Xiao Fei Tui E    Nian Fei :$450/Nian ,Fu Qia $75/Nian  (Shou Nian Xu Jiao Nian Fei )   Ke Zai  Chase UR Lu You Ye Mian Yi  1UR =1.5cent De Jie Zhi Gou Mai Ji Piao , Fan Dian , Zu Che    Zu Che Ke Xiang  Primary Insurance   Sui Qia Fu Zeng  Priority Pass Ke Mian Fei Jin Chu Quan Qiu Chao Guo 900Jian He Zuo Ji Chang Gui Bin Shi (Ke Dai Liang Ming Tong Xing Lu Ke )   Wu Hai Wai Shua Qia Shou Xu Fei     AmazonGou Wu Kuang :   Tui Jian :Amazon Reward Visa Signature   Ru Guo Ni Shi Ke Yi Kao AmazonGuo Huo De Ren ,Mai Cai , Mai Jia Yong Pin , Mai Yi Fu , Mai Dian Ying , Mai Dong Mai Xi Tong Tong Du Zai AmazonJie Jue ,Chu Liao Yao You Amazon PrimeZhi Wai ,Ye Yi Ding Yao You Yi Zhang AmazonXin Yong Qia La !Rang Ni Mei Ci De AmazonGou Wu Du Huan Neng Zhuan E Wai De 3%Hui Kui .     Amazon Rewards Visa Signature Card   Amazon.comXiao Fei 3%|Can Ting , Jia You , Yao Ju 2%|Qi Ta 1%   Nian Fei :Mian Fei    Shen Ban He Zhun Li Ji Huo De  Amazon.com $50 Gift Card   Wu Hai Wai Shua Qia Shou Xu Fei ","\"Announced today at the Frankfurt Auto Show, the partnership is being positioned as one that conceives how driverless vehicles might automatically authorize payments, as well as act as a digital operator for the vehicle, in the future. \"Car eWallet is an innovative, digital assistant in the car that allows secure and convenient payments even on the go. Moreoever, it can also perform other tasks... More","This is a partner offer. Advertiser Disclosure Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers No annual fee Apply Now","If you're looking for more information about the credit cards on NerdWallet, you've come to the right place. With these in-depth reviews about the most popular plastic featured on our site, you can find the perfect fit for your spending needs and lifestyle. Read the highlights, then follow the link for a full review. Jump to ... Cash-back credit cards Travel rewards credit cards General rewards credit cards Balance transfer and low-interest credit cards Airline credit cards Hotel credit cards Business credit cards Student credit cards Secured credit cards for bad credit Cash-back credit cards Cash-back cards provide fast savings and easy-to-redeem rewards. Some pay a flat rate on all purchases, while others shell out higher rewards in certain categories, such as gas or groceries. Bank of America(r) Cash Rewards credit card -- Earn extra rewards on gas, groceries and more. If you're an existing Bank of America(r) customer, you could earn bonus rewards of 10% to 75%. Read more. Barclaycard CashForward(tm) World Mastercard(r) -- Earn unlimited 1.5% cash back on every purchase; then, when you redeem, get a 5% bonus toward your next redemption. Read more. Blue Cash Preferred(r) Card from American Express -- This card provides industry-leading rewards at U.S. supermarkets, U.S. gas stations and U.S. department stores. There's a steep annual fee, but the stellar cash-back rates are worth it. Read more. Blue Cash Everyday(r) Card from American Express -- You get great U.S. supermarket and U.S. gas station rewards for a card with an annual fee of $0. Read more. Capital One(r) Quicksilver(r) Cash Rewards Credit Card -- This is the card that made 1.5% cash back the standard. The rate isn't the highest you can get, but it's a solid option for easy rewards earning and redemption. Read more. Capital One(r) QuicksilverOne(r) Cash Rewards Credit Card -- The best rewards card around for those with average credit: Earn an unlimited 1.5% cash back on all purchases for an annual fee of $39. Read more. Chase Freedom(r) -- Earn 5% cash back in categories that change every three months, plus an unlimited 1% back on all other purchases. The sign-up bonus is pretty sweet, too. Read more. Chase Freedom Unlimited(r) -- With an unlimited 1.5% cash back on all purchases, this card can be a great companion to the Chase Freedom(r) and the Chase Sapphire Preferred(r) Card -- or all by itself . Read more. Citi(r) Double Cash Card - 18 month BT offer -- This card's revolutionary earning structure gives you 1% back on all your purchases, then another 1% back when you pay them off. Read more. Discover it(r) - Cashback Match(tm) -- Some pretty enticing terms here: rewards of up to 5%, a $0 annual fee, a great bonus for newcomers and access to a fantastic bonus mall. Read more. Fidelity(r) Rewards Visa Signature(r) Card -- If you're a Fidelity investments customer, this card gives you 2% back on every purchase to put toward retirement savings or other long-term goals. Read more. U.S. Bank Cash+(tm) Visa Signature(r) Card -- Unlike other bonus category cards, this one lets you decide where you earn higher rewards. For flexibility, you can't do much better. Read more. Wells Fargo Cash Wise Visa(r) Card -- True to its name, this is a wise choice with plenty of benefits: 1.5% back on all purchases, $0 annual fee, a sign-up bonus and more. Read more. >> MORE: NerdWallet's best cash back credit cards Travel rewards credit cards If you're a wanderer but don't want to declare loyalty to just one airline or hotel chain, these credit cards let you redeem rewards your way. Say bye-bye to blackout dates. Bank of America(r) Travel Rewards credit card -- The best $0-annual-fee travel card, it gives you an unlimited 1.5 points per dollar spent on all purchases. Points are redeemable for credit against any travel purchase. Read more. Barclaycard Arrival Plus(tm) World Elite MasterCard(r) -- Looking for a travel card with a high rewards rate, a stellar signup bonus, a redemption bonus and chip-and-PIN capability? This is it. Read more. Capital One(r) Venture(r) Rewards Credit Card -- The best flat-rate travel card gives you an unlimited 2 miles per dollar on all purchases, redeemable for any travel expense, and a great sign-up bonus for an annual fee of $0 for the first year, then $59. Read more. Chase Sapphire Preferred(r) Card -- If you spend a lot on travel and dining at restaurants and typically fly or stay with one of Chase's travel partners -- like United, Southwest, Marriott or Hyatt -- this is a fantastic card. Read more. Chase Sapphire Reserve(sm) -- The best premium card on the block. A jumbo sign-up bonus, bonus rewards for dining and travel, outstanding redemption options and generous perks make the $450 annual fee worth it. Read more. Citi Prestige(r) Card -- Big spenders looking for a card that suits the luxury lifestyle will want to take a look at the Citi Prestige(r) Card. Read more. Discover it(r) Miles -- This card offers an innovative promotion in place of a traditional sign-up bonus, unlimited 1.5 miles per dollar on all purchases, an annual fee of $0 and an in-flight Wi-Fi credit to keep you plugged in. Read more. Expedia(r)+ Card from Citi -- Get rewarded handsomely with points, upgrades and amenities for flights and hotels you book through the site. Read more. The Platinum Card(r) from American Express -- The original superpremium card's $550 annual fee can pay for itself, and then some, if you use everything the card has to offer. Read more. Premier Rewards Gold Card from American Express -- An excellent choice for frequent flyers who want a travel rewards card with redemption flexibility and big earning potential. Read more. >> MORE: NerdWallet's best travel credit cards General rewards credit cards General rewards cards are an in-between option for people who don't want to go all-in on a cash-back card or a travel card. The Amex EveryDay(r) Credit Card from American Express -- Probably the best thing about this card is that it recognizes the value of small, frequent purchases and rewards them accordingly. Read more. Citi ThankYou(r) Preferred Card -- If you spend a lot on entertainment and dining out, this is a good option. Read more. Citi ThankYou(r) Premier Card -- Get rewarded with a wide range of redemption options and extra perks if you enjoy splurging on travel, dining and entertainment. Read more. >> MORE: NerdWallet's best rewards credit cards Balance transfer and low-interest credit cards A card with a 0% annual percentage rate period, a low ongoing rate or both can save you money on interest as you pay off credit card debt. BankAmericard(r) credit card -- This simple option is best for existing Bank of America(r) customers who want to keep all their accounts in one place and are looking for a long 0% APR period for balance transfers. Read more. Barclaycard Ring(tm) Mastercard(r) -- Vote on product features and terms with this unique card that charges no balance transfer fees, has an annual fee of $0 and offers a lengthy 0% APR period. Read more. Chase Slate(r) -- A long 0% period, a $0 annual fee and no balance transfer fee for the first 60 days. Read more. Citi(r) Diamond Preferred(r) Card - 21 Month Intro Offer on BT and Purchases -- This gem offers an ultra-long 0% period on purchases and balance transfers, with a $0 annual fee and a few perks, too. Read more. Citi Simplicity(r) Card - No Late Fees Ever -- Get an industry-leading 0% period on purchases and transfers, with no late fees or penalty APR if you miss a payment (but still, pay on time). Read more. >> MORE: NerdWallet's best balance transfer credit","x Save your first -- or NEXT -- $100,000! Advertiser Disclosure Barclaycard(r) Credit Cards Review and compare our picks of the best Barclaycard(r) credit cards for your credit score here. Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening Earn unlimited 1.5% cash rewards on every purchase Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50 Cash rewards do not expire as long as your account is open, active and in good standing Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers No annual fee See additional Barclaycard CashForward(tm) World Mastercard(r) details Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days -- that's enough to redeem for a $500 travel statement credit Earn 2X miles on all purchases Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary Get 5% miles back to use toward your next redemption, every time you redeem Miles don't expire as long as your account is open, active and in good standing No foreign transaction fees on anything you buy while in another country 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers See additional Barclaycard Arrival Plus(tm) World Elite MasterCard(r) details Intro APR Purchases Intro Term Purchases Intro APR Balance Transfers Intro Term Balance Transfers Regular APR Annual Fee N/A N/A 0% 12 months (on balance transfers made within 45 days of account opening) 16.99%, 20.99% or 23.99% Variable $89 - waived first year Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking Points awarded in your TrueBlue account don't expire Earn and share points together with Family Pooling 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights No foreign transaction fees Chip technology & $0 Fraud Liability protection See additional JetBlue Card details Intro APR Purchases Intro Term Purchases Intro APR Balance Transfers Intro Term Balance Transfers Regular APR Annual Fee N/A N/A 0% introductory APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening 12.99%, 20.99% or 25.99% variable $0 Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking Points awarded in your TrueBlue account don't expire. Earn and share points together with Family Pooling Earn 5,000 bonus points every year after your account anniversary 50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card See additional JetBlue Plus Card details Intro APR Purchases Intro Term Purchases Intro APR Balance Transfers Intro Term Balance Transfers Regular APR Annual Fee N/A N/A 0% introductory APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening 12.99%, 20.99% or 25.99% variable $99 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99% No balance transfer fees No foreign transaction fees Save or share! Email this page >>","Mastercard is the only payment brand that provides its U.S. cardholders with services--at no extra cost--to help them detect and resolve identity theft.+ Should you find a lower price for an eligible new item within 120 days from the date of purchase using your eligible Mastercard, you may be reimbursed for the price difference. For more information about the coverage you may be eligible to receive, call 1.800.Mastercard.+ Extended Warranty doubles the original manufacturer's (or U.S. store brand) warranty and service contract/optional extended warranty, where each is 24 months or less. Coverage is for eligible items purchased with your Mastercard.+ You don't have to worry when you use your Mastercard credit card because it's covered by Zero Liability protection, whether you pay in a store, over the phone or online. As a Mastercard cardholder, you're not responsible in the event that someone makes unauthorized purchases with your card.+*** Mastercard Global Service Get emergency assistance virtually anytime, anywhere and in any language. Mastercard Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM location and answering questions on your account.+","There was a time when only those with large families or really frugal people shopped at warehouse stores like Costco. But today, Costco is a favorite of just about anyone who wants to get a good deal, even on big screen televisions, jewelry, and other luxury goods. If you are the kind of person who's always trying to get the best deal when you are shopping, then you will probably be using one of the most competitive cash back reward cards offered. The  Costco Anywhere Visa from Citi  and the  Citi Double Cash card offer two different ways of earning the most possible cash back from your purchases at Costco and other stores. Costco Anywhere Visa from Citi The Costco Anywhere Visa card was introduced earlier this year as part of Citi's new partnership with Costco. It offers 4% cash back on eligible gas purchases worldwide, including gas purchased at Costco. These rewards apply to your first $7,000 spent on gas purchases made each year, and you'll receive 1% cash back on all additional gas. 3% cash back is earned on all restaurant and eligible travel purchases worldwide, and 2% cash back from all Costco purchases. 1% cash back is earned on all other purchases. Rewards are earned in the form of a coupon that cardholders receive once a year in February, so long as their account is open and in good standing. The coupon can be redeemed at any Costco store by the end of the year for merchandise or cash. Benefits include a damage and theft purchase protection program that can repair your purchases or refund you if a covered item is damaged or stolen within 120 days of purchase. (90 days for New York residents). Extended warranty coverage can also add a year to your manufacturer's warranty of a covered item purchased with your card. Travel benefits include a trip cancellation and interruption policy that reimburses you for certain non-refundable expenses if your travel is disrupted. This card also comes with worldwide rental car insurance, travel accident insurance and access to an emergency travel assistance hotline. New accounts receive seven months of interest-free financing on new purchases, followed by a standard interest rate of 15.49% APR.  There is no annual fee for this card with your paid Costco membership, but there is 3% foreign transaction fee imposed on all charges processed outside of the United States. Citi Double Cash Rather than offering several categories of purchases that you can earn a bonus from, the  Citi Double Cash card features as much as 2% cash back on all purchases, with no limits. You earn 1% cash back on all charges on the date of the transaction, and another 1% cash back when you pay for your purchases, for a total of up to 2% cash back on everything you buy. This card also offers new customers 18 months of interest-free financing on both new purchases and balance transfers. To be eligible for the promotional financing offer, balance transfers must be completed within four months of account opening and there is a fee of 3% of the amount transferred. This card offers the same travel benefits included with the Costco Anywhere Visa including the trip cancellation and interruption policy, worldwide rental car insurance, travel accident insurance and access to an emergency travel assistance hotline. It also offers the same shopping benefits including damage and theft purchase protection and extended warranty coverage. There is no annual fee for this card, but it also has a 3% foreign transaction fee. Which card is right for you? These cards present two different competing paths to earning the most cash back. The  Costco Anywhere Visa offers bonus categories to earn as much as 4% cash back on gasoline and 3% cash back on travel and dining. 2% cash back is earned for purchases from Costco while every other purchase only earns a modest 1% cash back. On the other hand, the  Citi Double Cash card simply offers as much as 2% cash back on all purchases, with no limits or bonus categories to worry about. Those who spend heavily on bonus categories such as gas, restaurants and travel might earn more bonus cash back from the Costco Anywhere Visa, while others who have fewer of these expenses might be better off with the Double Cash card. Another factor is the fact that the Double Cash card offers half of its rewards immediately and the other half upon payment, while Costco Anywhere Visa cardholders will always have to wait until February to receive their rewards.  Finally, the Citi Double Cash card offers 18 months of interest-free financing on both new purchases and balance transfers, as opposed to the Costco card's mere seven months of 0% APR financing on new purchases only. Once you look at the features and benefits offered by these cards, and examine how you plan to use your credit card, the right choice will become clear.","5 Best Cash Back Credit Cards for 2017 For most people, cash back cards are some of the most sought-after on the market. Unfortunately, not all cash back credit cards are treated equally. Since they're so popular, some companies offer cash back credit cards with few benefits in an attempt to lure in new customers. Others provide you with real benefits that make their cards rewarding to use. Five of the best cards are * Discover It Cash Back Match, * Chase Freedom, * Chase Freedom Unlimited, * Barclaycard CashForward World MasterCard, and * Wells Fargo Cash Wise Credit Card. Below is a closer look at these credit cards and what makes them the best that you can get in 2017. What Makes the Discover It Cash Back Match So Great? Discover It cards have always offered great cash back rewards. This card allows you to earn not only 1 percent unlimited cash back on all purchased but also up to 5 percent cash back on revolving categories. The great thing about this card is that these categories are broad and usually include places where people are likely to shop. What sets the Discover It Cash Back Match card apart from other Discover It cards is that it matches the amount of rewards money that you earn in your first year. Earn $200 in rewards, and Discover will turn it into $400. That's one cash back offer that's hard to beat. How Does the Chase Freedom Card Stack Up? Chase typically has great cash back cards, and the Chase Freedom card is no different. Much like the Discover It card, you can earn 1 percent cash back on all of your purchases and up to 5 percent cash back on select categories. The real benefit of the Chase Freedom card is that you can earn a $150 cash back bonus after you spend only $500 in purchases in three months. That's a lower threshold than most cards offer. What Benefits Does the Chase Freedom Unlimited Card Offer? The Chase Freedom and Chase Freedom Unlimited credit cards are very similar. However, the Chase Freedom Unlimited version is for people who don't like revolving categories to earn 5 percent cash back. Instead, this card gives 1.5 percent cash back on everything that you purchase. Just like the other Chase card, you still earn the $150 bonus for spending $500 in your first three months. What Do You Get With the Barclaycard CashForward World MasterCard? This Barclaycard sets itself apart from the rest by offering 1.5 percent cash back on everything that you buy. You also get a $100 cash reward when you spend $500 in 90 days. What makes this card different, however, is that you earn a 5 percent cash reward on all of cash back that you redeem. This is one of the only cards that gives you money for redeeming your cash back reward. How Does the Wells Fargo Cash Wise Credit Card Stack Up? On paper, the Wells Fargo Cash Wise may look similar to other cards on this list. After all, it offers 1.5 percent cash back for purchases. You can also earn $150 back after spending at least $1,000 in three months. The difference, however, is that this card lets you earn 1.8 percent cash back when paying for purchases with Apple Pay or Android Pay. If these are services that you use a lot, then this card is a great option. Check out these cards today if you're looking for credit cards that offer you the best ways to earn cash back.","Advertiser Disclosure TravelAfterWork.com may receive compensation from credit card issuers whose credit card products are featured on TravelAfterWork.com . Such compensation does not impact the placement order on our site, and TravelAfterWork does not include all credit card offers available to consumers.","Executive Summary - This is Wells Fargo's cash back offering in their portfolio line up. It is a great improvement over their previous version. At it's core, it offers a base rate of 1% cash back for all purchases (which really does not compare well with the better cards in the market). The Wells Fargo Cash Back Visa has changed its cash back formula. It now pays 1% rebates for cardholders. This is a huge improvement over their old rebate formula. Back a couple of years ago, this card was perhaps the worst cash back credit card that I have reviewed. It has a tiered rebate formula that requires you to spend above $450 within a billing cycle before you can even earn 1% rebates. But even with this new improvement, is this enough to earn our recommendations? Rebate Formula - The Well Fargo Cash Back Card pays a 1% rebates for all net purchases that you make on the card. You can earn unlimited rebates with this card. This is an improvement over the old rebate formula (which I've kept here for archiving sake!). Old Rebate Formula - The Wells Fargo Cash Back Visa previously had a tiered rebate formula which summarized in the table below.   Wells Fargo Cash Back Old Rebate Formula 0.25% for first $150 in purchases during billing cycle 0.50% for next $150 in purchases ($151-$300) during billing cycle 0.50% for next $150 in purchases ($301-450) during billing cycle 1.00% for purchases beyond $450 that has been charged during billing cycle As the table above shows, the old rebate system let's you earn up to 1% cash rebate once your monthly purchases in a billing cycle exceeds $450. The first $450 purchases will earn a lower cash rebate percentage. You can earn up to $500 in cash rebates in a calendar year. You can redeem your cash rebate once you have earned $20 (in $20 increments). Fees and Rates - There is no annual fee for the Wells Fargo Cash Back Card.   Wells Fargo Cash Back Visa Peer Comparison The most important question really, is how does this card stack up in the competitive world of cash back credit cards. The answer, unfortunately, is not very well. Simply paying 1% is pretty average. It puts itself among other similar cards like the the Citizens Bank CashBack Platinum MasterCard, Bank Americard Cash Rewards Visa Signature and USB Flex Perk Cash Rewards. Below are some of the better cards in the market and you'll see from the comparison where this card lags. Among the better cash back cards out there, there are really two types of cards. The first type pays more rebates (5%) on certain categories that change every three months. We call them rotating categories cash back credit cards. The second type of cards are those that simply have a couple of categories that pay more than 1%. Let's have a look at some of these cards. Wells Fargo Cash Back Visa vs Chase Freedom - The Chase Freedom is one of those rotating categories card that offer 5% rebates on categories. It also has an online shoppint mall where you can earn anywhere between 2% and 20% rebates when you shop with their merchant partners. The Chase Freedom also pays 1% rebates on all regular purchases. The Wells Fargo Visa pales in comparison with this card. Wells Fargo Cash Back Visa vs Discover More - The Discover More Card is just like the Chase Freedom, which means it is another \"rotating category\" card. It's categories is slightly different from Chase. It's shopdiscover.com online shopping portal pays betwwen 5% and 20% cash back when you shop with their merchants. Once again, the Wells Fargo Cash Back card loses out to Discover. Wells Fargo Cash Back Visa vs Citi Dividend Card - The Citi Dividend Platinum Select Card is just like the Chase Freedom and Discover More Card. It has 5% rebate quarterly rotating categories and an online shopping mall called Citi Bonus Cash Center. Like the previous tow cards mentioned, the Citi Dividend is clearly superior to Wells Fargo. We are now going to compare the Wells Fargo with non-rotating category cards. Wells Fargo Cash Back Visa vs Capital One No Hassle Cash Rewards - The Capital One No Hassle Cash rewards also pay 1% rebates on all purchases. But they have gasoline as a category that pays 2%. Therefore, it is slightly better than the Wells Fargo. Wells Fargo Cash Back Visa vs Blue Cash Everyday - The Blue Cash Everyday Card pays 3% rebates on groceries, 2% on gasoline and department stores. So here we have three categories that pay more than 1% versus the Well Fargo, which just pays 1% for everything. Wells Fargo Cash Back Visa vs Costco Card - The TrueEarnings Costco credit card pays 3% rebates on gasoline, 2% on dining and travel. Once again, like the Blue Cash Everyday Card, you get three categories which pays more than 1% rebates. You obviously have to be a Costco member for this card to make sense though.   Wells Fargo Cash Rewards Visa - 1% Isn't Good Enough? Verdict - Prior to this card changing their rebate formula, this is the worst cash back credit card that I have come across. Having a tiered formula where the best rebate you will get once you spend above the threshold is just 1% is unbelievable considering that even the most basic cash back card 1% rebates on all purchases, regardless of spending levels. But even after they have changed the formula to a straight 1%, it really falls short of the numerous cash back credit cards which offers either more categories that earn more than 1% or rotating category cards with online shopping malls. I would avoid this card and consider the other cards mentioned in this review instead. Any one of them would be a better alternative.","0% Balance Transfer = Lots of Money Saved! When shopping for a credit card balance transfer, more often than not you'll be looking for the lowest interest rate possible. Fortunately, we know zero is the lowest number out there. And so a \" 0% APR balance transfer \" is essentially the creme de la creme of credit card balance transfers because you pay zero interest for a certain period of time (the longer the better). Put simply, a 0% APR balance transfer credit card can save you a lot of money if you currently hold high-APR credit card debt because it's essentially a temporary interest-free credit card that gives you a break from finance charges. As a result, every dollar you pay during the promotional period should go toward reducing the outstanding balance, as opposed to interest. This way you can actually tackle the debt. To take advantage of these 0% intro balance transfer offers, just move your existing balance(s) to one of the cards below (or a similar one) and it will pay off the balance. The transferred balance will then be with the new credit card company but subject to zero percent APR for the introductory period. It's super easy to do! Take a look at the offerings from the largest national banks and credit card issuers in the list below. Note that these are just the 0% interest credit card offers from the big guys - there are smaller local institutions and regional credit unions that also offer 0% APR balance transfers, so be sure to consider those as well. Offers can change frequently so be sure to check back often and do a lot of research to find the right offer for your situation. 0% Interest Balance Transfer Credit Card Offers: Below I have listed one 0% APR balance transfer offer from each of the big credit card issuers. If you click through on an individual offer you'll see all of those company's 0% APR offers. They are grouped by longest to shortest 0% APR for convenience sake. The longest 0% APR period for balance transfers is 24 months, or two years. If and when a credit card issuer offers 0% APR for 36 months it will be listed here. Just don't hold your breath... List last updated on July 16th, 2017. 0% APR Credit Cards for 24 Months Santander Bank Sphere Card - 0% APR for 24 months on balance transfers, no annual fee, transaction fee of $10 or 4%, whichever is greater, for each balance transfer. 0% APR Credit Cards for 21 Months Citi Simplicity(r) Card - 0% APR on purchases and balance transfers for 21 months with a 3% fee. Discover it Card - 0% APR on purchases for six months and 0% APR for 21 months on balance transfers with a 3% fee. 0% APR Credit Cards for 18 Months BankAmericard Cash Rewards Credit Card - 0% APR on purchases and balance transfers for the first 18 billing cycles with a 3% fee ($10 minimum). Bank of Hawaii Visa - 0% APR for 18 months on balance transfers & purchases with a 4% fee ($10 min) and no annual fee. Citi Double Cash Card - 0% balance transfer for 18 months with a 3% balance transfer fee. No annual fee. Discover(r) More Card - 18 Month Promotional Balance Transfer - 0% APR for 18 months and a 3% balance transfer fee. HSBC Platinum MasterCard(r) credit card - 0% APR on purchases and balance transfers for the first 18 months from account opening with a balance transfer fee of 4% or $10 (whichever is greater). 0% APR Credit Cards for 15 Months Amex EveryDay(r) Credit Card - 0% intro APR on purchases and balance transfers for 15 months. Greater of $5 or 3% of the amount of each transfer. Auto Club Member Rewards Visa - 0% APR for 15 months on both purchases and balance transfers with a 3% balance transfer fee ($10 min). Barclaycard CashForward World MasterCard - 0% balance transfer for 15 months (if made during first 45 days of account opening), 3% fee, $0 annual fee. Barclaycard Ring MasterCard - 0% APR for 15 months, no balance transfer fee (first 45 days) or annual fee. Barclaycard NFL Extra Points Credit Card - 0% APR for 15 months on balance transfers with a 3% fee ($5 min) and no annual fee. BB&T Bright Card - 0.00% introductory APR for fifteen months with a 3% balance transfer fee ($10 min) and no annual fee. Chase Freedom Unlimited - 0% APR for 15 months on purchases and balance transfers with a higher 5% balance transfer fee but no annual fee. $5 minimum fee. Chase Slate No Fee Balance Transfer - 0% APR for up to 15 months on balance transfers (and purchases) NO balance transfer fee. Fifth Third Bank Platinum Card - 0% introductory APR on purchases and balance transfers for the first 15 billing cycles with a 4% balance transfer fee (min $5) and no annual fee. Fifth Third Truly Simple Credit Card - 0% APR for 15 months on purchases and balance transfers with a 4% balance transfer fee, minimum $5. No annual fee. KeyBank Latitude MasterCard - 0% APR for 15 billing cycles on balance transfers (made within first 60 days) and purchases with a 4% balance transfer fee ($10 min) and no annual fee. MasterCard Gold Card - 0% APR for 15 months with a 3% balance transfer fee, but there's a kicker for this metal credit card; a $195 annual fee! MasterCard Titanium Card - 0% APR for 15 months with a 3% balance transfer fee, 24k gold-plated credit card with a drum roll...$995 annual fee! PNC Bank Core Visa - 0% APR on balance transfers and purchases for 15 billing cycles, balance must be transferred in first 90 days from account opening, no annual fee, 3% balance transfer fee ($5 min). SunTrust Cash Rewards - 0.00% introductory APR for the first 15 months on purchases and balance transfers with a 3% balance transfer fee (min $10) and no annual fee. Upromise World MasterCard - 0% APR balance transfer for 15 months when made during first 45 days of account opening. 3% balance transfer fee, $0 annual fee. Wells Fargo Cash Wise Visa Credit Card - this new credit card offers 0% APR for 15 months on balance transfers with a 3% fee ($5 min) and no annual fee. Wells Fargo Platinum Visa - 0% APR for 15 months on purchases and balance transfers, no annual fee, and a 3% balance transfer fee ($5 minimum). Wells Fargo Propel American Express - 0% APR for 15 months on balance transfers with a 3% balance transfer fee ($5 minimum). No annual fee. 0% APR Credit Cards for 14 Months Citi AAdvantage Platinum Select MasterCard - 0% APR for a rather random 14 months on both purchases and balance transfers with a 3% fee ($5 minimum). 0% APR Credit Cards for 12 Months Associated Bank - 0% APR for first 12 billing cycles on purchases and balance transfers with a 3% balance transfer fee ($5 min) and no annual fee. Astoria Bank Maximum Rewards Visa - 0% APR on purchases/balance transfers for 12 billing cycles, 3% fee (min $10) and no annual fee. BankUnited Visa Platinum - 0% APR for 12 billing cycles on balance transfers with no annual fee and a 3% balance transfer fee ($15 min). Barclaycard CashForward World MasterCard - 0% APR for first 12 months if you transfer a balance within first 45 days of account opening. 3% fee, $5 minimum. BBVA Compass ClearPoints Visa - 0% APR for one year with a 4% balance transfer fee ($10 min) and no annual fee. BMO Harris Bank Platinum MasterCard - 0% APR for 12 months on balance transfers with a 3% fee ($10 min) and no annual fee. Chemical Bank Platinum Edition MasterCard - 0% introductory APR during the first 12 billing cycles on purchases and balance transfers with a 3% balance transfer fee ($10 min) and no annual fee. Citizens Bank Clear Value MasterCard - 0% APR on balance transfers for the first 12 billing cycles with a 3%","If you have credit card debt, a balance transfer to a card with a lower interest rate may cut the total cost of your debt. But before you leap to a balance transfer as the solution to your debt problem, do a little math to find out if it will actually save you money. Even though a zero percent interest rate on a balance transfer offer may sound appealing, transfers are rarely free. Most companies will charge you fees--usually 3 to 5 percent of the balance--to complete the deal. Include the transfer fee when you do the math to see if a balance transfer cuts your total debt cost. Compare Balance Transfer Credit Cards If you've determined that a balance transfer card is the right product to help you keep your credit card debt at bay, use our balance transfer card comparison tool to find the best fit for you. One of the most important factors to evaluate is the length of time you'll have before a transferred balance begins accruing interest. Look for a card that offers zero percent interest for a significant period. Don't confuse that with the introductory period during which new purchases won't accrue interest. How Much Money Could a Balance Transfer Save You? A three or four percentage difference in a credit card interest rate may seem insignificant, especially if you rarely carry over your credit card balance from one billing cycle to the next. But if you regularly carry a balance, the cost of interest adds up. Consider the following example, which shows how long it takes and how much interest it costs to pay off a $5,000 credit card balance if you make monthly payments of $109. If you make monthly payments of $109, a credit card with a 14% APR costs you approximately $2,199 in interest paid. This is $1,330 less than the interest cost you would pay with an 18% APR credit card. Just don't forget to factor in the balance transfer fee when totaling your savings. If the balance transfer fee is more than the amount you'll save in interest, a balance transfer may not be worth it. Credit Card Balance Transfers: The Pros If done right, a credit card balance transfer can help you accomplish a variety of financial goals. Consider these: Save Money on Interest The most obvious reason to consider a balance transfer is to save on the total cost of borrowing: A higher interest rate means you'll spend more money to pay off your debt. You can easily calculate the total amount you would save if you lowered your interest rate with an interest cost calculator . Simplify Payments Numerous due dates from your various credit cards, utility bills and other household expenses may prove not only confusing but also stressful. Transferring all of your credit card debt to one card can greatly simplify your payment responsibilities. Easier tracking eliminates or minimizes missed payment dates and also helps you see your total credit card debt, which promotes better household debt management. Pay Off Other Debts Some credit card balance transfer offers will let you transfer other kinds of debt that often have higher interest rates, such as auto loans, student loans, appliances or furniture loans. But you'll need to do your homework in choosing the right balance transfer offer: Some card issuers restrict the types of debt that you can transfer to their credit card accounts. Reduce Risk Credit extended through a consumer credit card is usually considered an unsecured loan, which means you provide no collateral to back up your promise to repay. Paying off secured loans with your credit card lowers your risk should the worst happen and you default on your credit card balance. That's because a credit card company can't easily seize your personal assets to satisfy the debt. A good example of this is paying off a car loan with a credit card and then transferring the balance to take advantage of a low or zero-interest rate offer. Even if you later default on the credit card, your car loan has been paid in full and the card company can't as easily seize your car in lieu of credit card payments. Improve Your Credit Score Increasing your available credit balance factors positively into your overall credit score. By taking on a balance transfer offer through a new credit card account and keeping your remaining credit card accounts open, you can help boost your credit score over time as you demonstrate responsible repayment behavior and you pay-down the amount of your debt. 4 Key Things to Consider Before a Balance Transfer Promotional vs. Long-Term Rate 1 To woo you to do business with them, credit card companies often offer low or zero-interest rates for transferring existing balances to a credit card account with them. But in considering whether you want to move ahead with a balance transfer, you should know that the new rate doesn't last forever. View the new rate as two pronged: the introductory or promotional rate and the long-term rate. The introductory or promotional rate is the short-term interest you pay and usually lasts no longer than 18 months. Companies are legally required to offer a promotional period lasting at least six months. After the promotional period ends, the rate jumps to the long-term rate, which could be the same or even higher than the rate you pay with your existing credit card account. Fee for Transferring Balance 2 Many card companies charge a transaction fee on balance transfers. The fee is either a fixed dollar amount or a percentage of the balance being transferred, whichever generates the higher amount. According to the Federal Reserve, the average fee is 3 percent. If, for example, you want to transfer a balance of $5,000, you're looking at a $150 one-time fee right off the bat. You'll need to factor in the transaction fee to see whether it's worth the cost to transfer your credit card balance. Rewards 3 Many balance transfer credit cards offer rewards programs or other bonuses. If you think you'll be able to pay off the transferred balance fairly quickly, you can then use the card for ongoing spending and take advantage of its reward programs. You can earn points for use in travel, hotels, dining, gas stations and retail stores. You can even earn cash rewards through cash back on your spending. Time 4 For new customers of a credit card company, it takes about three weeks from the start of an application until a transfer is completed. For existing customers, it takes about a week. If the balance you're hoping to transfer involves a secured loan and you foresee being unable to make a payment and subsequently defaulting, you may need to choose the credit card company that allows a balance transfer sooner, like your existing bank or credit union, even if its APR is higher than another company's offer. Without a quick turnaround time on your balance transfer application, you won't be able to avoid defaulting on the car loan and having the repo man pay a visit to your driveway. Expert Q&A: Common Balance Transfer Questions Melinda Opperman Expert Melinda Opperman , the chief relationship officer at credit.org, weighs in on questions you might have if you're considering using a credit card balance transfer to manage your debt. What mistakes do borrowers make when transferring balances? Not weighing the pros and cons. Every balance transfer offer looks tempting. Some are a good deal, and some could leave you in a worse position. Make sure you're making some significant payments, so when the zero percent period ends, you're not paying an even higher interest rate. When you","The Barclaycard Arrival(tm) World MasterCard(r) is a travel rewards card geared toward consumers with good to excellent credit. What to Like Cardholders earn double miles on travel and dining purchases , as well as one mile on all other purchases. This card also offers a bonus of 20,000 miles after $1,000 in purchases in the first 90 days . There's also a 0% introductory APR on balance transfers for 12 months within 45 days of account opening, and the Barclaycard Arrival(tm) World MasterCard(r) has no annual or foreign transaction fee and no limits on number of rewards miles. Look Out For Unlike with balance transfers, there's no introductory APR on purchases , so cardholders need to beware of potential interest charges on purchases from the beginning. Earned miles may be lost if the card falls out of good-standing or if the card is closed.","Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which cardbenefit.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Cardbenefit.com does not include all credit card companies or all available credit card offers. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Disclosure on User Generated Content: The responses on our site are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.","7da5de10381d5fc5c905838979c52798","No Annual Fee, build your credit history, and earn cash back on every purchase. Minimum security deposit starts at $200, which you can provide with your tax refund. Monthly reviews start at 7 months to see if we can transition you to an account with no security deposit. Reports to the three major credit bureaus. Plus, get your FICO(r) Credit Score for free on monthly statements, on mobile and online. Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, earn 1% cash back on all your other purchases. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Tools to assist you; email alerts, text reminders and 24/7 customer service.","PROFIT INSIGHT(r), an international consulting firm specializing in earnings optimization for the financial services industry, believes the effects of the Russian - Ukraine conflict are yet to be felt to their greatest extent by banks in the EU and the United States, but those effects will likely be coming soon.  Many of the banks in the Ukraine are branch operations of EU-based financial institutions, and virtually all of the banks in both Russia and the Ukraine are suffering from cash shortages as a result of a general lack of business confidence, companies reining in borrowing requirements and a massive devaluation in both currencies over the last six to nine months.  Recently announced financial defensive measures, such as hugely increased security deposits and a new homegrown domestic credit card processing platform to be put in place by Russian President Vladimir Putin, have now been delayed, but they also have great disruptive potential for much of the global banking community, according to PROFIT INSIGHT senior executives. George White, the London-based president of PROFIT INSIGHT for EMEAR (Europe, Middle East, Africa and Russia), has witnessed many complex geopolitical and economic changes during his 30 years in international financial services.  He sees the growing crisis in Russia and the Ukraine as a major potential trouble spot for financial institutions in his area of responsibility, as well as for U.S. financial institutions as tit-for-tat embargoes and sanctions start to bite.  \"Many of the banks operating in Russia and in the Ukraine are European, and as they run low on cash due to a combination of currency devaluation, economic sanctions and waning consumer confidence, they must tap reserves held within the EU,\" White points out.  \"Losses on loans and other lines of business have been significant in the Ukraine, particularly in Crimea because of the conflict, further complicating things for banks.\"  White cites several factors that are worsening the situation in Russia.  \"The rouble has lost 48 percent of its value against the dollar this year due to sanctions and stymied economic growth in Russia,\" White says.  \"The failure of the ceasefire in eastern Ukraine, the global drop in oil prices and the growing strength of the dollar make it difficult to refinance corporate debt in Russia, further weakening the financial outlook,\" he notes. \"The impact for all banks doing business in the region, as well as for many others in our globally interdependent financial community, is on the way.\" White also points to the all-important credit card business, which essentially connects every country in the world as a vehicle for trade and is a major source of income for the global banking community.  \"The U.S. government froze all Visa and Mastercard transactions for 48 hours early in the conflict, and that caused an huge ripple effect throughout the region,\" White says.  \"It spurred Putin to order the creation of Russia's own card payment scheme that would bypass the Visa/MasterCard systems and insulate Russia from such freezes in the future.  While it remains to be seen whether it will be successful, it nevertheless will have extensive impact on Visa and MasterCard, and by extension, their member banks,\" he says.  \"There have also been indications that Russia may embargo various U.S. trade goods and services, with an accompanying impact on financial services like trade lines, inventory financing and other revenue channels.\" White says that PROFIT INSIGHT is preparing a white paper about the potential for costly, disruptive ripple effects that can damage banks in the west and elsewhere.  \"We're discovering that there are going to be significant effects to card services, decreased lending in many regions and an expected increase in bad debts as banks try to survive the crisis,\" he says.  \"We are recommending that financial institutions prepare now to maximize revenue sources and efficiencies within their organizations that can help shore up anticipated losses due to the instability.\" PROFIT INSIGHT has been working with banks for over 40 years to optimize every facet of their businesses, from deposits to operations, credit cards to loans.  During that time, the company has helped create over $40 billion in value for financial institutions on six continents, receiving much of its compensation based on the cost savings and revenue improvements it enables clients to realize.  \"Bank revenue optimization is often overshadowed by new opportunities that arise,\" White says.  \"At this stage of the situation in Russia and the Ukraine, however, banks need to think about ways to find revenues apart from new business generation alone and look inward to reveal those opportunities.\"","The Benefits of Building Credit as a Student During the college years, many students put their focus on getting good grades and completing their exams. Most put no forethought into building credit in college. Their concerns are on landing the perfect job and starting their lives. However, a life without credit can be very difficult, at best. Building college student credit is very important. Since many companies look at the credit report before you can get a job, home, or car, having good college student credit becomes very important. College Student Credit Card Benefits Opening a credit card, in the college years, can be beneficial both now and in the future. The best student credit cards can help you to establish credit history and a relationship with a credit card company. Though the student finance division of a credit card company may start you with a low credit limit, they will increase that limit as you show credit worthiness. Once you graduate, you will want a larger limit and more perks. When you have a track record of doing well with your college student credit, they are more likely to approve future credit line increase requests. Building credit in college is important for your future. Build Good Credit Habits Having a credit card encourages good credit habits. Think of a credit card as a passport into the adult world. It gives you financial responsibilities with bills to pay. For many, a credit card is the first experience that they will have with scheduling bill payments and budgeting . Make sure you always have enough for the minimum payment, if not the entire amount. Miss a payment and the student finance department of the issuing bank will call you, and it will hurt your credit. Building college student credit in college is the first step toward financial independence. Strengthen An Apartment Rental Application With Established Credit Once you move out of your college digs, you will want an apartment. You will be thankful that you spent time building credit in college. An adult apartment has strenuous applications that require background and credit checks. Your college credit card will help establish a good track record for repayments. If you are responsible with your credit, then the landlord will likely approve your application for the apartment. Building college student credit can help get your rental application approved. Student finance stability is important in building a credit history. Get All The Perks Of A Credit Card Earn Rewards The best student credit cards are the ones that have perks that offer you cash back, rewards or points . Card perks are quite nice, and you can redeem these as soon as you meet the requirements for each. Prepared for Financial Emergencies? Your parents will rest easy knowing that you have a credit card to fall back on in case of an emergency. This is especially true if your college is far from home. You can book flights, pay for medical and dental expenses as well as pay for any other needs that you have. Your college student credit cards can give you a backup plan when money is tight. Build Life Long Financial Habits Credit management is important, and part of this is monitoring your credit score. There are many credit cards that give you FICO updates on your monthly statements such as Capital One(r) and Discover it(r). You can also get this information online. By getting this information, you can see how your spending and credit card payments are affecting your score. A credit card is much more than just a convenient way to pay for college expenses, it can accumulate rewards, give you cash back and help pay for emergencies. College Student Credit Cards help to establish lifelong financial habits, which is why building credit in college is essential. How Can College students Build College Student Credit? Getting a college student credit card is not as easy as it once was. In 2010, the laws changed. Credit cards and their student finance departments are putting more scrutiny on students to get that credit approval. Unless you can prove that you have a secure form of income, you will need to find a cosigner on your account. You must visit the application page of the student credit offer to know if you qualify. The Discover it(r) for Student Card is a popular student credit card that offers cashback rewards. Piggybacking Piggybacking is when you become an authorized user on your parent's credit cards . You can bypass the student finance department, and just use their card. Not only will you have a higher limit, but you will also have your parents helping in your financial journey. See, if your parents have a great credit score and an impeccable record with a card, all of this will spill over onto your credit report. Essentially, they help you to establish yourself. Get Your Own College Student Credit Card If you do have income, you may want to get your own credit card. Remember, not all cards are the same. Look for college student credit cards that have lower interest rates, little or little annual fees, and perks. Store cards are often easier to obtain than a major credit card. One easy method for applying for store credit cards is through the shopping cart trick method. Get approved for store-branded credit cards without having established credit. Pay Your Credit Card Bill Off and On-Time Each Month It is better to pay your bill off at the end of each month. However, if you cannot afford to do that then you need to make the minimum payment on-time. One missed payment can really mess with your FICO score . You want to make sure that you are not listed as a \"slow-pay\" on your account. Use Credit Cards For Emergency Purposes Only Once you have been approved for a credit card, you need to work on the credit building process. First, you must make sure that you don't impulse buy and max out your card. Most college students have limited means, so you want to make sure you don't overspend. Try to keep your card for emergencies only. A new purse or a video game doesn't constitute an emergency. Building college student credit means that it is a slow and steady process. Did you know that your new credit card won't be rated until you have six months of payment history? The goal is to pay off the balance on the card each month and keep your credit utilization low. A credit card can be a great tool for those who learn how to use it properly. Why a Secured Credit Card May be Your Best Option to Build Credit in College? The best student credit cards are the ones that will approve you. If you get rejected for a student credit card consider a secured credit card. If you don't have a parent that can co-sign for you, then you may need to look for a secured credit card as an option. These cards are based on the amount of the deposit you put up front. They can be anywhere from $200 to $5,000. There are many benefits to having a secured credit card . First, the money you place down to secure the card goes into a \"savings\" type account. This money is used to fund your purchases. Once secured credit cards were very expensive to obtain. The cost is very low now to use one of these cards. The Capital One(r) Secured MasterCard(r) and The Discover it(r) Secured Credit Card only require security deposits. Secured cards report to the credit bureaus. When you want to build your credit, and are getting denials, then a secured card is the best choice. Building College Student Credit Takes Time You won't build your credit overnight, but getting a head","we offer gentle care for children, smiles pediatric dentistry and special needs patients. At Smiles Pediatric Dental Care, teens,we are smiles pediatric dentistry accepting new patients, short and long term, so call and schedule an appointment today! Outcomes for children. Dr. Effective and efficient care leading to both positive, laDues philosophy is to provide safe, welcome Smilies Pediatric Dentistry Skip to main content Welcome from Smilies Pediatric Dentistry! Smiles pediatric dentistry (USA) pediatric Smiles uphold the principle, \"Train up a child in the way he smiles pediatric dentistry should go and when he is old he will not depart from it\".call, lanham, bowie, or Largo, mD pediatric dental offices to schedule a smiles pediatric dentistry visit for your child. We cant wait to meet them and start them on the path to a time of optimal oral health and confident, beautiful smiles. dana Doan is a board-certified pediatric dentist who truly believes in the early prevention of dental problems and educating families about -long healthy teeth. She uses age-appropriate techniques to game design and programming provide exceptional care for you and your children. Our office provides specialized dentistry for children and adolescents in a warm, caring and \"child-friendly\" environment. As pediatric dentists, our 2-3 years of additional training after dental school has prepared us for the unique dental needs of each child we serve. We focus on preventive. Smiles pediatric dentistry in USA! weve assembled a team thats passionate about smiles pediatric dentistry oral health and building relationships with our young patients. We love teaching kids about their mouth, focusing on preventive care and conservative treatments. They develop custom care plans based on each childs specific needs,m analysed 359 home smiles pediatric dentistry contents policies listed on the matrix of independent financial researcher. \"Cover for shed contents is available under home contents insurance, but policy limits for thefts from sheds or outbuildings can vary between policies.\". On 21 May, defaqto. 2015, whole paid up at age 65 smiles pediatric dentistry or at age 85. 10 payment or 20 payment whole insurance. Limited payment plans can also be based on age e.g. 2300 Belair Rd., Fallston, Md The Bel Air Dental Care providers are the most attentive and skilled dentists I have ever been seen by. Their drive for quality work is not to be overshadowed by their care for a patients comfort. They are truly great. be prepared for your insurance rates to smiles pediatric dentistry skyrocket when you climb behind the wheel of a sports car.this means insurance companies have to raise their premiums. Blamed on higher bodily injury smiles pediatric dentistry claims, the competitive nature of online insurance resulted in 2009 becoming one the industry's least profitable years on record. The use of claim management companies and no-win, Photos \"Smiles pediatric dentistry\": cookies do not damage your smiles pediatric dentistry computer. A cookie is a small piece of information which is sent to your browser and stored on your computers hard drive. Cookies by themselves cannot be used to discover the identity of the user.wells Fargo Cash Wise Visa Card. Earn 200 cash rewards bonus if you spend 1,000 in the first 3 months. LEARN MORE OR Earn 20,000 bonus points if you spend 1,000 in the first 3 months. Wells Fargo Propel American Express Card.and more. Rewards, low interest, find the smiles pediatric dentistry best credit card deals by comparing a variety of offers for balance transfers, inflation protection can smiles pediatric dentistry be one of the buying a new car what to know most important options when purchasing long-term care insurance and make a substantial difference in how the policy performs when needed. When purchasing long-term care insurance,org for car insurance rates. Join 1,972,984 Americans smiles pediatric dentistry who searched DMV. Smiles pediatric dentistry lavender has been known to ease headaches, ad How to Make smiles pediatric dentistry Lavender Tea English lavender, is the most widely cultivated species of lavender and the type used in most recipes. Lavendula angustifolia, sore joints, and coughs, and to calm digestive troubles. Toothaches, anxiety,antiseptic, carminative (i.e.,) it has a long history of use, lavender tea is a refreshing, calming drink that has a vast array of healing benefits. Combats gas antispasmodic, and an expectorant. Antibacterial, lavender ( 1 )) is used in food and medicine; its aromatic,read More >> February 12, 2013 11:44 AM. A father talks about why it's important to consider being a donor smiles pediatric dentistry and how you might be able to help his daughter or others in need. Learn more about these topics in this lesson.low balance transfer credit cards smiles pediatric dentistry Scared to open your credit card statements? Forgot which card's maxed out and which one's paid off? It's time to apply for a balance transfer credit card.family Dentistry. Cosmetic Dentistry Dentures Extractions Crown Bridgework Fillings. Close To Philadlephia Delaware Please Call for Pricing Information Welcome to smiles pediatric dentistry The Saltz Dental Center. NO APPOINTMENT NECESSARY 616 Avenue of the States Chester, senior Citizen Discount Most Dental Plans Accepted Budget Plans Available. PA 19013 (610)) Quick Facts About Our Practice 10 Doctors On Staff. Denture Repairs While You Wait Same-Day New Dentures Complete Dental Lab On Site. many of those places are not even approved by the government for direct patient care and have no qualified dentist on smiles pediatric dentistry site. No more unsupervised dentures prepared out of a lab without a qualified dentist. Not fall for dentures prepared in generic labs.One of the main reasons that people shop for a new credit card is in order to find banks that offer special if you lost a filling, get it manage by 24 HOUR DENTIST ORLANDO on International Drive immediately within an hour from your call. Our EMERGENCY DENTIST ORLANDO provides TOURISTS. TRAVELERS, when you have a toothache or a broken tooth, rESIDENTS with emergency dental care. Photo report: get quot;s directly from matching carriers i need a consolidation loan now. Met National General (GMAC )) Nationwide Progressive Safeco. Connect with agent and shop Already started smiles pediatric dentistry a quot;? Over 1 million vehicles insured Valid zip code required Age. State Farm Travelers USAA Other Not Currently Insured Current Insurance. Age Current Insurance 21st Century AAA Insurance Allstate Commerce Insurance Co. Esurance Farmers Geico The Hartford Liberty Mutual Mercury Insurance. Shop quot;s and buy a policy in under 10 minutes. r B offers financing options to best fit your situation and needs, leveraging smiles pediatric dentistry strong relationships with hundreds of financial partners - Go to our quick and easy \"Get Pre-Approved\" page and in minutes you will be on your way to a variety of financing options.referred to as simplified issue, rates smiles pediatric dentistry for smokers increase significantly after one reaches age 50. A number of insurers will issue up to 50,000 or critical illness insurance coverage without a medical exam.ring your current insurance provider and try telling them that you intend to leave at the end the policy. More often than not they will offer you a deal or a revised fee. first thing first: How much is my car worth in","Account Suspended","This is an advertiser offer.   Advertiser Disclosure New! We'll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate. Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years. No annual fee. No late fee on first late payment. No APR change for paying late. Get 100% U.S. based customer service & your FICO(r) Credit Score for free on monthly statements, on mobile and online. Freeze It(r) on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%. Click \"APPLY NOW\" to see rates, rewards, FICO(r) Credit Score terms, Cashback Match (tm)  details & other information. Apply Now","If you're worried about the next recession, you're not alone. And you never will be. Recent history has dispensed a glut of warnings. The only missing element in the mix: an actual recession. Unusual? Not quite. The deep state of anticipating a new economic downturn is a hardy perennial. Last November, I highlighted some of the recession forecasts over the previous seven years - a period that's been notable for the lack of an NBER-defined recession. Fast forward six months and, well, nothing's changed. The recession warnings keep rolling in and the economy continues to expand. Does that mean that recessions have been banished? Hardly. But forever seeing trouble around the next bend isn't useful either. Ditto for issuing vague warnings with minimal, if any, supporting data or transparent methodologies that can be replicated. Fortunately, there's a better way - The Capital Spectator's monthly reviews of business-cycle risk, for example -- here's this month's udpate. Aggregating analytics from a range of sources via the weekly updates of The US Business Cycle Risk Report is another. The cold, hard truth is that predicting recessions is impossible, at least from the perspective of developing a reliable methodology with a minimal run of false signals. The next best thing is analyzing a broad set of indicators to determine when a new downturn has started in recent history. The challenge is doing so with a short lag while maintaining a high degree of reliability. It's tougher than it sounds. The good news: it's not impossible. As for the constant stream of warnings that show up in the media, the track record isn't encouraging. The warnings, however, never stop, as the recent examples below remind. One day another downturn will start, perhaps sooner than expected. How can you identify the genuine article? Ignoring the noise in the media is a good start. * * * Every time a President leaves the White House after two terms, there is a recession within the first year of the new administration. I believe this time will be no different. Mark Yusko, CIO, Morgan Creek Capital Management, May 29, 2017 We probably will have a recession next year David Rosenberg, chief economist, Gluskin Sheff, May 25, 2017 ...without some form of serious stimulus, the U.S. economy almost certainly will slip into recession well before 2020. Robert Shapiro, chairman, Sonecon, May 23, 2017 [Artificial Intelligence] Predicts Next US Recession to Start in 2019 Financial Sense, May 15, 2017 A recession in the United States is likely to come within the next two years. George Friedman, chairman, Geopolitical Futures, May 2, 2017 Currently, the consensus of business economists is that there is only a 15% chance of a recession in the next 12 months. My reading of the data indicates that the odds are much higher than that, maybe 50%, specifically if tax reform or some other economic stimulus is delayed to 2018, and certainly if the Fed continues on its current tightening path. Robert Barone, economist, Fieldstone Financial, May 1, 2017 A recession in the United States is likely to come in the next two years. George Friedman, geopolitical forecaster and strategist, April 26, 2017 Is The Trump Administration Doomed To A Recession? History Says Yes Simon Constable, a fellow at The Johns Hopkins Institute for Applied Economics, Global Health and the Study of Business Enterprise, January 18, 2017 My outlook for 2017 and beyond is that the U.S. economy will likely see another recession. Jay Zagorsky, Ohio State University, December 30, 2016 When the reality of no stimulus catches up with the perception of stimulus plus the Fed tightening: that's the train wreck. Either we're going to have a recession or a stock market correction. Jim Rickards, director, The James Rickards Project, December 26, 2016 From a probability perspective, a recession is very likely in President Trump's first term in office. Sam Stovall, chief investment strategist, CFRA, November 20, 2016 So we are very probably looking at a global recession, with no end in sight. Paul Krugman, economist, November 8, 2016 A Donald Trump win could spark an immediate sell-off of up to 5 percent for the S&P 500, according to analysts at Citi, who also warn on slower growth or even recession for the U.S. CNBC, November 4, 2016 Economists Believe a Recession Is Likely Within Next Four Years The Wall Street Journal, October 13, 2016 The odds that the next US President will face a recession during his or her first four years in office are quite high. Maybe not in the first year, but it's highly unlikely he or she will get more than two to three years without one. John Maudlin, Maudlin Economics, October 12, 2016 We looked at all of these indicators that have been pretty good at forecasting recessions and we extrapolated that if they follow the current trends they're on, we're going to hit a recession sometime in the second half of next year. Savita Subramanian, Bank of America-Merrill Lynch's head of U.S. equity and quantitative strategy, October 9, 2016","Xin Yong Qia  Gen Ju DansdealXiao Xi ,Zhe Ge 50kDe offerHui Zai Ming Tian Zao Shang Mou Ge Shi Hou Jie Zhi . You Xu Yao Shen Qing De Gan Jin Shang Ba . Arrival Plus Credit Card(Kai Qia Song 50kJi Fen ,Jie Zhi $525)...... Ji Xu Yue Du  >> ymlulu 13Xiao Shi Qian  3298Liu Lan  0Ping Lun  Xian Shi Hao Deal Ben Zhou Deal:Colgate Total Clean-In-BetweenYa Gao $0.24,AveenoMu Yu Lu 3Ping $4.97,Physicians FormulaHua Zhuang Pin Man $10Song $7~...... Ji Xu Yue Du  >> ymlulu 22Xiao Shi Qian  343Liu Lan  2Ping Lun  Xian Shi Hao Deal 9/18Geng Xin :Enjoy LifeJian Guo ,Mian Fei EnlightenedBing Qi Lin coupon...... Ji Xu Yue Du  >> ymlulu 1Tian Qian  2529Liu Lan  18Ping Lun  Xin Yong Qia  Zhe Ge Qia Zhong Yu Zai Guan Wang Shang Xian ,Ke Yi Kai Shi Shen Qing La . 50kDe Ji Fen Jiang Li ,$95De Nian Fei (Shou Nian Bu Mian ),Lu Xing He Chi Fan Xiao Fei 2x;Qi Yu 1.5x,Huan You Gao Ji Zhang Hu Jiang Li . ...... Ji Xu Yue Du  >> ymlulu 1Tian Qian  2764Liu Lan  0Ping Lun  Xin Yong Qia  55000Ji Fen De Kai Qia Jiang Li ,Jie Zhi Ke Da $1000,Ni Zhi De Yong You ...... Ji Xu Yue Du  >> ymlulu 10Ge Yue Qian  (11-18) 28173Liu Lan  9Ping Lun  Xin De He Ji Qiao  Xian Zai Shi Yong VISA CHECK OUTZai Gap.comJie Zhang ,Ke Yi Huo Qu $15De Gap Gift Card. Jie Zhang Jin E Mei You Zui Di Xian Zhi !Mai Ge 1Dao De Wa Zi Du Xing ,Xiang Dang Yu Dao Zhuan $14La . Visa Check Out Huo Dong Di Zhi (La Dao Xia Mian Ke Yi Kan Dao Huo Dong Jie Shao )$1....... Ji Xu Yue Du  >> chanye 4Tian Qian  5074Liu Lan  20Ping Lun  Lu Xing You Ji  Mei Ci Fan Yue Lu You Za Zhi ,Fu Huo Jie Dao Zong You Hen Da Ji Lu Chu Xian Zai Cha Tu Huo Zhe Wen Zi Zhong ,Jiu Er Jiu Zhi Jiu You Liao Xiang Qu Yi Tan Jiu Jing De Xiang Fa . Zhe Ci Zhong Yu Shi Wan Cheng Liao Yi Ge Zhe Ge Xin Yuan . Xi Wang Zhe Pian Fu Huo Dao De Shi Zhan Ti Yan Dui Da Jia You Bang Zhu . ...... Ji Xu Yue Du  >> fanlifl 4Tian Qian  834Liu Lan  10Ping Lun  Zong He Gong Lue  Xian Zai DropDuo Liao Yi Ge PlastiqDe Offer,Yong Lian Jie Shang DropDe Xin Yong Qia Zai PlastiqFu Zhang Dan ,Mei Fu $100Ke Yi Huo Qu 200Ji Fen ,Suan Shi E Wai Duo Liao 0.2%De Fan Xian Ba . Mei Shou Dao Zhe Ge offerDe Ke Yi Xian Zai Shou Ji Shang Guan Diao APP,Ran Hou Dian Xia Mian De Lian Jie Ji Huo Dao Zhang Hu . Pl...... Ji Xu Yue Du  >> ymlulu 5Tian Qian  7212Liu Lan  37Ping Lun  Xin De He Ji Qiao  FreedomDi Si Ji Du 5xZhong Yu Gong Bu ,Wei WalmartHe Department Stroe! Zheng Shi Ji Huo Shi Jian Wei 9Yue 15Ri . 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Ji Xu Yue Du  >> ymlulu 4Ge Yue Qian  (05-16) 22740Liu Lan  12Ping Lun  Sheng Qian Ji Qiao  Xian Zai amazonTi Gong Mian Fei Xi 4x6Zhao Pian 50Zhang ,Jie Zhang Shi Shu Ru Zhe Kou Ma FREE50PRINTSJi Ke ,Jie Zhi Zhi 9Yue 17Ri ,Amazon PrimeHui Yuan Mian Yun Fei ,Fou Ze Yun Fei $7Mian Fei 50Zhang Zhao Pian Huo Dong Lian Jie ...... Ji Xu Yue Du  >> ymlulu 5Tian Qian  6948Liu Lan  5Ping Lun  Xin Shou Ru Men  2016Nian 8Yue Chu Lai Mei Guo ,Dang Yue Na Dao SSN,Xin Yong Ji Lu Cong 2016Nian 10Yue Kai Shi ,Yi Jing 11Ge Yue Liao . Mu Qian Yong You De Xin Yong Qia You 6Zhang ,Xin Yong E Du Chao Guo 30000Dao ,Suan Shi Zai Xin Yong Qia De Ling Yu Ru Liao Men La ,Jin Tian Jiu Gei Da Jia Fen Xiang Yi Xia Wo De Jing Li ~...... Ji Xu Yue Du  >> jiefanshi 1Zhou Qian  (09-11) 866Liu Lan  6Ping Lun  Translate >>","The past year's rash of data breaches proved just how vulnerable old-school magnetic stripe cards can be. Could the more-secure EMV chip technology that's become the standard internationally be the answer? As a countermeasure to thwart fraud, EMV \"smart card\" technology (a joint effort of Europay, MasterCard, and Visa) was concocted in the 90's and rolled out during the 00's throughout the world ... but not in the U.S. That's changing, however, in light of the October 2015 EMV liability shift , which went into effect Oct. 1, 2015. Now, whichever party (merchant or issuer) hasn't upgraded will be held responsible from card-present fraud costs. That's a powerful motivator to adapt. Yet, while an increasing number of cards are sporting chips, others are lagging behind. f How EMV works EMV cards thwart some of the most common ways thieves clone cards and steal data. They come equipped with a microprocessor chip that encodes the information transferred to the merchant, such as account numbers, differently with each transaction. So, even if thieves manage to get data from a merchant (as they did in the Target breach), it's like stealing an expired password -- useless. EMV chips are also tougher to clone than magnetic stripes are. While EMV technology won't make data theft disappear (several successful breaches overseas are a testament to that), it does up the ante for thieves, making their job harder -- when it comes to card-present fraud, that is. EMV technology doesn't do anything about online fraud, unfortunately. So, if your card information is stored in an online shopping account or other website and that information gets compromised via a bug like Heartbleed, or a colossal hack (like the 2013 Russian cybergang hack that compromised 1.2 billion online login credentials), the little chip on your card won't protect you. The only thing you can do is have hard-to-guess passwords and change them often. The EMV cards being rolled out stateside are a bit different than those rolled out in other countries. Most U.S.-issued cards use what's called \" chip and signature \" technology, while the EMV cards being issued overseas generally use \"chip and PIN\" technology. The chip and PIN cards require the cardholder to type in a PIN to complete a transaction, making it difficult for a thief who gets ahold of the card to use it. Although chip and signature cards still have the more-secure computer chip, they require a signature for the transaction, rather than a PIN. Some U.S. cards have PIN capabilities, though, meaning that, if a terminal abroad requires a PIN, you can use one. Select cards from Wells Fargo, the Barclaycard Arrival Plus World Elite MasterCard and the Sam's Club card, for example, now have the ability to function as chip-and-PIN cards, when needed. Chip and PIN EMV cards to the rescue? Even if every card issued in the U.S. gets a chip, those cards will offer no extra defense unless retailers update their equipment from their antiquated mag stripe card readers. That will cost merchants money (as in hundreds of millions), but the card networks (Visa, MasterCard, AmEx and Discover) gave both them and card-issuing banks an incentive (both a carrot and a stick) to upgrade by October 2015. At that point, the networks instituted a \" fraud liability shift .\" That's a fancy way of saying \"adapt or pay.\" If a consumer's card is involved in fraud, whichever party involved in the transaction (the bank that issued the card or the merchant that accepted it) that didn't upgrade to EMV will be held accountable. In other words, the least secure party ends up holding the bag in case of fraud. Where can I get one in 2017? Many cards were upgraded well in advance of the 2015 liability shift deadline. Given the prevalence of EMV throughout the world, banks have realized that smart cards are a travel benefit that can be touted, just like travel insurance and no foreign transaction fees . Many of the major issuers therefore already have them, as well as some credit unions (including Pentagon Federal, State Department Federal and Andrews Federal). Use the chart below to find out which issuers are providing EMV chip cards for Americans. This list is periodically updated as new cards come onto the market. Please note that technically speaking, most of the cards issued in the US are chip and signature . A few, however, have PIN capabilities. That means you can set a PIN, allowing the card to be used in situations where a PIN is required (generally at unmanned payment terminals abroad). However, even signature-based EMV chips will still work with most international merchants (a possible exception being unmanned terminals at gas stations, train station kiosks and tollbooths). If you notice your card is listed on the chart, but doesn't have a chip, you can request a replacement from your issuer. Read on after the chart for a closer look at some chip and PIN cards that are particularly good for travelers. Chip cards in the U.S. Compare U.S. EMV card offerings Financial institution U.S. cards with chips Other details American Express (a CreditCardForum advertising partner) Various consumer, OPEN and corporate cards, including Delta SkyMiles If your card doesn't come with a chip, request one by calling the number on the back of the card. Bank of America Merrill Lynch-issued cards; BankAmericard Travel Rewards; BankAmericard Cash Rewards; airline cards for Virgin Atlantic, Alaska and Asiana; Royal Caribbean and Norwegian cruise line cards; consumer and small business debit cards Barclaycard Aviator cards; Hawaiian Airlines World Elite MasterCard; Barclaycard Arrival; Plus(tm) World Elite MasterCard(r) Apple Rewards card; Carnival World MasterCard; Diamond Resorts International MasterCard Barclaycard Arrival Plus will have ability to set a PIN. Apple card is chip and PIN. Capital One Select cards, including Venture and Venture One Plans to implement EMV on most of its cards by end of 2015. JPMorgan Chase Sapphire Preferred ; Chase Freedom; Chase Slate; Ritz-Carlton Rewards; Hyatt Credit Card, JPMorgan Palladium;Marriott Rewards Premier; Southwest Rapid Rewards Premier Citi Simplicity; Double Cash; ThankYou cards; Citi Prestige; AAdvantage Platinum Select; AAdvantage Executive; AAdvantage Gold; Diamond Preferred; Expedia+; Expedia+ Voyager; Hilton HHonors cards; AT&T Access card If your current card doesn't have a chip, you can request a replacement online. Discover It cards Available upon request. USAA Preferred Cash Rewards World MasterCard; Cash Rewards World MasterCard; Cashback Rewards Plus American Express card Expects to have all its credit and debit cards replaced by early 2016. US Bank FlexPerks Travel Rewards (Visa and AmEx); FlexPerks Select+ cards (Visa and AmEx); SKYPASS cards; Cash+ card; REI card Current cardholders can expect to be issued a chip card on their expiration dates. Replacements issued sooner will be chip enabled. Wells Fargo Cash Back Visa and Visa Signature; Propel World American Express; Propel 365 American Express; Platinum Visa; Secured card; Wells Fargo Visa Signature; Home Rebate Visa and Visa Signature; Rewards Visa; Cash Back College card Existing cardholders will have their cards replaced over time, but you can request one sooner. New applicants will automatically receive chip cards. Synchrony Bank Sam's Club 5-3-1 card; Wal-Mart MasterCard Sam's Club card will have the ability to set a PIN. The non-MasterCard version of the Wal-Mart card does not have an EMV chip.","Paying student loans isn't fun. But there are ways to make managing your student loans easier and more affordable. If you're wondering: \"Should I refinance my student loans?\" Read on. At the very least, refinancing your student loans can make your life easier by consolidating multiple loans into one, low-interest, monthly payment. In the best case scenario, you may be able to save money and pay off your student loans faster if you're able to get a refinance loan at a lower interest rate than you're currently paying. You can use our student loan refinance calculator to estimate your savings or explore our recommended student loan refinance options Here, we're going to talk about whether or not you should refinance your student loans right now. At the time of publication, rising benchmark rates mean that variable interest rates on student loans are going up, too. In most scenarios, it's best to refinance at a fixed interest rate as soon as possible when interest rates are going up. Here's what you need to know before refinancing. Let's start with when you shouldn't refinance While student loan refinancing can help organize multiple student loans, refinancing can cancel out a lot of important programs that federal loans offer. You should avoid refinancing if: You want to qualify for federal forgiveness programs Federal loans offer federal forgiveness programs that'll help you pay off your student loan debt. Refinancing your loans means paying off your old loans with a new loan, given by a private company rather than the federal government. This means that the federal repayment opportunity will disappear. If you work in the public service sector (government or nonprofit work) and plan to continue to do so for a while, you could qualify for loan forgiveness after you've made 120 payments towards your loan. This also applies to teachers that work at low-income schools, some doctors (and nurses) in certain states, and those who are or were in the military. You want a repayment plan based on your income Income-based repayment plans or pay-as-you-earn plans are essential for some borrowers. If your income is an issue, you could qualify for very low payments, or even put off payments until you're in a more financially stable place. Like the loan forgiveness program, if you refinance your loans through a private company, this payment plan is no longer an option. You have bad credit If you have bad or no credit like so many younger adults do, qualifying for refinancing can be difficult. You're taking out another loan, and loans require good credit. Of course, there's always the one way around the bad credit situation--finding a co-signer. With student loans, however, finding a co-signer might be more difficult because that person is agreeing to pay the mass amount of student debt you owe if you fail to make payments. That can be a big responsibility. Even with poor credit, if you can show that you've at least been paying off your student loans regularly (even if you haven't been paying off some other things), refinancers might take that into consideration. Here's what to do if your refinancing application is rejected . So when should you refinance? As soon as you have a stable income (and good credit) The sooner you refinance the more you save on the interest of your loans. And a higher credit score means a better interest rate. If you can get a lower interest rate immediately you can save thousands of dollars in interest payments and pay off the loan quicker. This probably means you won't be able to finance right after you graduate. Jobs most people take right after graduation are likely not permanent and, depending on the job, don't pay a whole lot. Right after graduation is also when most people take advantage of the income-based plans--so take that into consideration before you think of refinancing. If you have loans with high interest rates As I've said, refinancing student loans sooner rather than later is important because you'll save on interest. This is especially important in the current economic world because the Federal Reserve has just raised variable interest rates. What does that mean for your student loans? It means that the rate banks charge each other when they exchange money overnight is going up, therefore the interest on your loans is also going up. Luckily, this variable rate mostly applies to private loans. Federal student loans no longer offer a variable rate (if you have loans that originated before 2006, you might still have a variable rate), but rather a fixed rate that isn't subject to change. You have multiple, expensive loans If you less than $10,000 in loans, refinancing probably isn't worth it. Since most borrowers have much more debt than this , lenders offer lengthy plans that allow you to pay smaller amounts over time with an interest rate that won't force you to pay tens of thousands of dollars more than you borrowed. Related: Should You Pay Off Student Loan Debt Early? After grace periods Federal student loans offer a six-month grace period right after you graduate from your undergraduate program. You can also defer paying your student loans if you go to grad school (this should not be the only reason you go to grad school). These grace periods exist for a reason--chances are you will need them. Many people take on extra loans when they go to graduate school, so avoiding payments from previous loans as long as you can will be helpful. And the six-month period is about how long it takes most recent graduates to find a job. Am I ready to refinance? Check your credit You can check your credit through sites like Credit Karma or Credit Sesame where checking your score won't affect it. If you've got 700 or better, your score is likely good enough to qualify for the refinancing loan. Keep a debt-to-income ratio is low If you're making more than you have in debt, that is obviously a good thing. Your debt doesn't just include student loans, it also includes credit card debt, car loan payments, and mortgage payments, among others. Say you have recurring monthly debt payments of $2,000 and your monthly income is $5,0000--your debt-to-income ratio is 40 percent. The lower this percentage, the better. Where to refinance Now that you think you might be ready to refinance your loans, who do you refinance with? Read more about student loan refinance options or check out these recommended lenders: Credible Credible like to say they are the \"Kayak\" of student loans. Credible's free and easy-to-use website lets you pre-qualify for student loan refinancing in a few easy steps. If you qualify, you can compare actual interest rates and monthly payments from dozens of leading student loan lenders. Compare student loan refi rates at Credible now. SoFi SoFi offers variable loan rates as low as 2.36 percent--a rate that's hard to beat. With 5-20 year plans, you'll be able to pay off your debt at a fraction of the cost than if you stuck with your seven percent interest rate. If you have a good job and a history of reliable student loan payments, you can refinance with SoFi at a very competitive rate. See if you qualify for a SoFi refinance loan now without affecting your credit score. Earnest Earnest offers APRs from 2.55 - 6.03 percent. Earnest also offers the closest to an income-based repayment plan as you're going to get if you refinance. You can set your monthly payment--meaning you can pay off your loan as fast (or as slow) as you want. With other features","FICO (r) Scores are developed by Fair Isaac Corporation. The FICO (r) Score provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services (\"ECS\"), in Experian CreditWorks (sm) , Credit Tracker (sm) and/or your free Experian membership (as applicable) is based on FICO (r) Score 8, unless otherwise noted. Many but not all lenders use FICO (r) Score 8. In addition to the FICO (r) Score 8, ECS may offer and provide other base or industry-specific FICO (r) Scores (such as FICO (r) Auto Scores and FICO (r) Bankcard Scores). The other FICO (r) Scores made available are calculated from versions of the base and industry-specific FICO (r) Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO (r) Score than FICO (r) Score 8 or such other base or industry-specific FICO (r) Score, or another type of credit score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers, however, the credit rating of FICO (r) Score 8 (or other FICO (r) Score) could vary from the score used by your lender. The statements that \"90% of top lenders use FICO (r) Scores\" and \"FICO (r) Scores are used in 90% of credit decisions\" are based on a third-party study of all versions of FICO (r) Scores sold to lenders, including but not limited to scores based on FICO (r) Score 8. Base FICO (r) Scores (including the FICO (r) Score 8) range from 300 to 850. Industry-specific FICO (r) Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO (r) Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies -- the Experian credit bureau, TransUnion (r) and Equifax (r) -- that maintain a record of your credit history known as your credit report. Your FICO (r) Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO (r) Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your FICO (r) Score may also change.","Advertiser Disclosure: MyDollarPlan.com is an independent, advertising-supported service. The offers that appear on this site are from companies which MyDollarPlan.com receives compensation. This compensation may impact how and where products appear on this site, including, for example. the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. MyDollarPlan.com does not include the entire universe of available financial or credit offers. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.","[ DISCLOSURE : Cards from our partners are mentioned below.] It's easy to love technology these days, as gadgets and tech are ubiquitous. There's an app for nearly everything. According to Pew Research, more than three-quarters of Americans have smartphones. But true tech enthusiasts take it up a notch, following the industry to learn the latest developments and to hunt down the best hardware and software. Whether you're building a top-notch gaming PC or itching for the latest smartphone, there are credit cards that can help tech fanatics. 1. My Best Buy Visa Card Rewards : 5% back on Best Buy purchases (6% for Elite Plus members), 3% back on gas, air travel and ground transportation through September 2017, 2% back on dining and grocery purchases, 1% back on everything else Signup Bonus : None Annual Fee : $0 Annual Percentage Rate (APR) : Variable 26.24% Why We Picked It : This card earns rewards for Best Buy purchases. Tech Benefits : All purchases earn rewards, with strong extra incentives for Best Buy purchases and other spending types. Earned rewards can be used toward future Best Buy purchases. Drawbacks : If you don't spend a lot at Best Buy, this card isn't a good fit. The APR is high. 2. Discover it Card Rewards : 5% cash back on rotating purchase categories, 1% cash back on other purchases Signup Bonus : Discover will match all cash back earned in the first year. Annual Fee : $0 APR : 0% for 14 months on purchases and balance transfers, then variable 11.99% to 23.99% Why We Picked It : The upcoming spending category can help you save big on gadgets, and you can link your card to mobile pay. Tech Benefits : Discover offers 5% cash back on spending categories that rotate each quarter. From October to December this year, the spending category is Amazon.com purchases, which means you'll save big on any gadgets ordered with the online retail giant. Plus, if you prefer to pay by mobile wallet, you can link your Discover card and earn cash back that way. Drawbacks : Spending categories won't always be tech-friendly, and purchases outside those categories only earn 1% cash back. 3. Wells Fargo Cash Wise Visa Card Rewards : 1.5% cash back on all purchases Signup Bonus : $200 bonus cash back when you spend $1,000 in the first three months Annual Fee : $0 APR : 0% for 12 months, then variable 13.99% to 25.99% Why We Picked It : There's a strong incentive for mobile pay and you get great cell phone protection. Tech Benefits : All purchases earn 1.5% cash back. For one year, you'll get a special 1.8% cash back rate on mobile wallet purchases when you link your card to an Android Pay or Apple Pay account. Plus, the card comes with cell phone protection on up to four lines, for up to $600 per occurrence and $1,200 in total coverage each year. Drawbacks : Cell phone protection is only available if you use your credit card to pay your cellular bill. 4. AT&T Access Card From Citi Rewards : Two points per dollar spent online at retail and travel websites, two points per dollar spent on products and services purchased from AT&T, one point per dollar spent on everything else Signup Bonus : 10,000 bonus points when you spend $1,000 in the first three months Annual Fee : $0 APR : Variable 14.99% to 23.99% Why We Picked It : If you're constantly shopping online or updating your gadgets and smartphones with AT&T, you can easily rack up rewards points . (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.) Tech Benefits : You'll earn two points per dollar for online retail and travel purchases and AT&T purchases, and one point per dollar spent elsewhere. Points are redeemable for electronics, gift cards, travel and more. Plus, with Citi Price Rewind, Citi will automatically search for lower prices on registered purchases. If they find a lower price within 60 days of your purchase, you can receive a reimbursement on the difference. Drawbacks : If you aren't an AT&T customer, this card won't offer as much value. How to Choose a Card for Your Tech Spending Many credit cards have features with obvious ties to tech, including strong purchase protections , extended warranties or cash back at specific retailers. You should consider your specific tech needs before choosing a card. If you're hard on your gadgets, you may want a credit card with strong product protection policies. If you tend to buy electronics as soon as they come out, price protection can help you save cash if the item in question goes on sale. You'll also want to consider where you tend to make your tech purchases. If you're loyal to one store, you may want to see if they have a branded credit card. If you're agnostic, you'll want a card that can reward you no matter where you get your gadgets. However, if you need a card for more than just tech, you may want one that rewards your overall spending habits. For instance, a card with a strong flat cash back rate on all purchases can help you earn cash at the electronics store and at the supermarket. What Is Required to Get a Credit Card for Tech Purchases? Cards that provide spending rewards and strong purchase protection policies usually require good to excellent credit. You should be confident in your credit before you apply, because a hard credit inquiry initiated by a credit card application can lower your credit score. You can check two of your credit scores for free at Credit.com. Image: Peopleimages At publishing time, the Discover it and Wells Fargo Cash Wise Visa credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s). Note: It's important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly. The post If You're a Tech Nerd, You'll Love These 4 Credit Cards appeared first on Credit.com .","Insert Card",""]
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