Chase Platinum

Chase Platinum Credit CardThe Chase Platinum Credit Card has all of the features that somebody would want when applying for a credit card. Here are the benefits of applying for the Chase Platinum Credit Card.

  • 0% Intro APR* for up to 12 months on purchases and balance transfers
  • No annual fee
  • 24/7 online account access
  • Worldwide travel accident insurance
  • Rental car insurance
  • Free account alerts

To get approved on the Chase Platinum Credit Card you need to have good to excellent credit scores. In return the interest rate you will get is about 5% less than most other fixed rate credit cards. After the introductory period the interest rate will change to 9.24%.

Visa Black Card

Visa Black CardThe Visa Black Card is for the person who is looking for the ultimate credit card. It’s not easy getting approved on this credit card as it is for people who have have incomes and excellent credit. Some of the benefits of the Visa Black Card are.

  • Limited Membership
  • 24-Hour Concierge Service
  • Exclusive Rewards Program
  • Luxury Gifts
  • Patent Pending Carbon Card
  • Travel Lounge Priority Pass
  • 0% On Purchases And Balance Transfers For 6 Months

With it being a exclusive credit card it does come with a $495 annual fee. The rewards make up for it as long as you use it. Interest rates after the introductory period start at 13.49% depending on your credit score. The Visa Black Card does have a fixed rate for 6 months and then it becomes variable.

Discover More Credit Card

The Discover More Credit Card is a popular card for anybody looking to get a new fixed rate credit card. This credit card has a number of flexible options to help you with your purchasing needs. The Discover More card is backed by a well known company and has a great reputation of being a company people want to work with.

Some of the benefits of having the Discover More Credit Card is a fixed interest rate for the first 9 months of owning the credit card. During this introductory time period you will be able to take advantage of a 0% interest rate for purchases. After the introductory time period the interest rate does become variable and the rate offered to you depends on your credit history. There are no annual fees with the Discover More Credit Card and only a small finance fee of $.50 for when you take a cash advance.

To show how much Discover wants your business they are offering a fixed 0% interest rate on balance transfers for the first 12 months of having the credit card. This can be quite beneficial if you plan on transferring balances from other high interest credit card balances over. The savings from the interest alone can add up and you will be able to pay down your balances even faster.

The Discover More Credit Card lets you earn unlimited rewards on all of your purchases. Depending on where you use your credit card you can earn up to 5% cash back rewards. Once you spend over $3,000 the amount of rewards you earn does go down to 1%. Still this is very good. To know you are earning 1% cash back is better than having to wait until you get a certain amount of air miles or points to be able to cash something in. The minimum amount of rewards you can cash in is $20. Your reward balance will never go away unless you close the account without cashing out, is inactive for 18 months, or if you do not make at least a minimum payment on time for two consecutive months. If you do any of those your rewards will be removed. The Discover More Credit Card can also cover you when renting a car. You are covered under their insurance company if you get into a accident.

All in all the Discover More Credit Card is one of the most popular credit cards out there. The terms are great and so are the rewards. This credit card will end up being one of those cards you probably hold onto for more than a decade and use all the time.

Discover Open Road

The Discover Open Road Credit Card is for somebody who is on the road all the time. With this program you will earn double the amount of rewards when you use it for any car related expense. Some of the features of this credit card are:

  • 5% to 20% Cash Back Bonus at top online retailers
  • Up to 1% unlimited Cash Back Bonus on all other purchases
  • Increase, even double, the value of your rewards when you redeem for gift cards from Cash Back Bonus Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment
  • Earn 5% cash back when you buy gas or on automotive repairs
  • Earn 1% cash back for all other purchases

If you get approved on the Discover Open Road Credit Card you will have a 0% APR for the first 12 months of having it. After the intro period you can expect to have a interest rate at 10.99% which is based on your credit rating. Not everybody will get approved as you need to have excellent credit.

This is one of the best fixed interest rate credit cards available for road warriors. If you spend a lot of time driving around then the Discover Open Road Credit Card is for you.

Discover Open Road Credit Card

Citi Platinum Select Credit Card

The Citi Platinum Select Credit Card is one of the most popular credit cards issued by Citibank. It is kind of a “Jack of All Trades” credit card. Many people start out with this credit card because they do not know what kind of rewards program they might want or to what extent they will even use their credit card. The features that you will get when you apply for the Citi Platinum Select Credit Card are:

  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management

There are no rewards like cash back or airline miles with this card because one of the benefits of having the 0% interest rate on balance transfers or purchases for the first year. After the introductory period the interest rate will move up to 8% based on what your credit score is. Many people apply for the Citi Platinum Select Credit Card to take advantage of the balance transfer. Keep in mind that there is a 3% transfer fee for every time you do so. Make sure this makes sense for you to do. As long as you make your payments on time the interest rate will stay at 0% for the first 12 months on what you transferred.

The Citi Platinum Select Credit Card is a very popular card for college students or anybody else looking to establish a credit history. Knowing that you have a 0% interest rate for 12 months will help you learn what to do with building credit and being responsible with a credit card. Eventhough this credit card does not have a rewards program it does help you start to build a credit background with the banking industry. This is one of the best fixed rate credit cards available in the industry. Approval rates are high and if you are looking to transfer over a balance to start paying it down then the Citi Platinum Select Credit Card is for you.

Capital One No Hassle Miles Rewards

The Capital One No Hassle Miles Rewards credit card is one of the most popular from Capital One. When you apply for this credit card you will be able to earn rewards towards your next flight. Here are some of the benefits of owning the Capital One No Hassle Miles Rewards credit card.

  • Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
  • Save with a 0% intro APR on purchases for the first 12 months
  • No expiration date on miles and no limit on the miles you can earn
  • There are no blackout dates and no seat restrictions
  • No annual fee

After the introductory period the interest rate will become variable and will depend on your credit score. Most interest rates start at 13.49%. The credit limit with each credit card can go up to $20,000.

Capital One Miles Card

The Capital One No Hassle Miles Rewards Credit Card is a fixed rate credit card for the first 12 months. This gives you the opportunity to pay down balances on other items or know that you’re payment will not change.