Three Best Credit Cards

The Chase® PerfectCard™ (Gas Rebate Credit Card)

Dave Jackson — Wed, 14 Dec 2005 22:17:00 +0000

Chase® PerfectCard™ Credit Card features a 0% introductory APR on purchases and balance transfers. Until now, gas rebate cards had their limits: one brand of gas and that was it. Those days are over. Now you can automatically earn rebates on all gas purchases at any gas station with the Chase PerfectCard. Apply for the The Chase® PerfectCard™ credit card.

Earn rebates on all of your gas purchases*
6% rebate on all gas purchases made at any gas station for the first 90 days.*
After that, you'll earn a 3% rebate on all gas purchases.*
Earn a 1% rebate on all other purchases everywhere MasterCard® or Visa® is accepted*
0% Introductory APR*

RATES AND FEES
0% introductory APR on balance transfers for 12 months*
No annual fee**
Regular APR 12.99%

REWARDS
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on all purchases
All the rebates you earn are automatically credited toward future purchases

CARD BENEFITS
Purchase Assurance and Extended Warranty Protection
Up to $500,000 Automatic Travel Accident Insurance

ONLINE SERVICES
Online Account Access
Chase Bill Management Center
Credit Line Increase
Balance Transfer
Convenience Checks

* See the online The Chase® PerfectCard™ credit card application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

https://app.firstusa.com/ICBatch/

Next - You may qualify for the Discover Platinum Gas Credit Card - >>

Discover Platinum Gas Credit Card

Dave Jackson — Wed, 14 Dec 2005 22:16:00 +0000

What can you expect from the Discover Platinum Gas Credit Card? A Cashback Bonus award of up to 1% on your purchases—but for gas where you earn even more—plus the opportunity to get up to double its value with certificates from Cashback Bonus Partners, such as Bed, Bath & Beyond®, Crabtree & Evelyn®, Red Lobster, The Sharper Image® and Sunglass Hut.

0% Intro APR*
No Annual Fee
Up to 5% Cashback Bonus® on your Gas purchases*
Up to 1% Cashback Bonus® on all your other purchases*
Cash rewards never expire as long as you use your Card
Regular APR 9.99%

FEATURES AND BENEFITS
Fill your tank and really drive your Cashback Bonus® with the Discover® Platinum Gas Card. You’ll enjoy a 0% Introductory APR*, no annual fee, 100% fraud protection, online account access and bill payment, and superior 24-hour Cardmember service. Plus, with America’s #1 Credit Card Rewards program you’ll receive up to 5% Cashback Bonus® on your gas purchases and up to 1% Cashback Bonus® on all your other purchases*. No need to worry because the cash rewards never expire as long as you use your Card. You also have the option to DOUBLE your Cashback Bonus® (turn $20 into $40) when you redeem for gift cards or certificates from many of our 40 brand name partners. Start Saving Today – APPLY NOW! It's fast, easy and secure.

* See the online Discover Platinum Gas credit card application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

http://www.discovercard.com/apply/gas/

The Best "Reward" Credit Card is up Next - Citi Diamond makes it happen! ->>

Reward Credit Cards

Dave Jackson — Wed, 14 Dec 2005 18:05:00 +0000

These card are called reward credit cards because they feature either cash back or a rewards program. So each time you use your Rewards Program Credit Card, the card company will "reward" you with cash back incentives and rebate programs.

Citi Diamond Preferred Rewards Credit Card

The Citi Diamond Preferred Rewards Credit Card features a low 0% introductory APR on purchases and balance transfers. There are lots of rewards to choose from with the free rewards program, and you won't have to wait forever to get them. In addition, earn 5 reward points for every dollar you spend at supermarkets, drugstores and gas stations. Apply for the Citi Diamond Preferred Rewards credit card by filling out an online application.

0% APR* on balance transfers for 12 months
$50 gift card – Redeem 5,000 bonus points after first purchase**
5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations; 1 point for every $1 on all other purchases***
No annual fee and FREE rewards program*

RATES AND FEES
0% APR on Balance Transfers for 12 months with no Balance Transfer fee.
No annual fee.
Regular APR 11.99%

REWARDS
5,000 Bonus ThankYou Points after purchase
Categorized monthly statements
Price Protection Program
10% savings on gift certificates
$0 Liability on Unauthorized Charges—you are never liable for unauthorized purchases
Personal information protected by our Privacy Promise
Citi® Photocard option available

BENEFITS
SHOPPING - With merchandise and retail rewards, all the best brands are right at your fingertips.
DINING - With terrific dining rewards, it's one delicious choice after another. Yummy!
TRAVEL - Time to get out of town? Our travel certificates can help you get up and go.

* See the online Citi Diamond Preferred Rewards credit card application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

http://www.citibank.com/us/cards/cardserv/diamond/index.jsp

A lesson in Maximizing your Rewards and more Credit Card news, Next >>

3 tips: Maximizing cards rewards

Dave Jackson — Tue, 13 Dec 2005 15:05:00 +0000

NEW YORK (CNNMoney.com) -- There will be no more double-reward points from American Express, according to a recent announcement. And one expert we talked to said it's only a sign of what's to come in reward- card programs.

We'll give you the lowdown on what you need to know about reward programs and sorting through all those credit card solicitations.

Cut through the clutter

When it comes to reward cards, there are generally three types of programs: point-based programs, like the one from American Express, cash-back programs, and, of course, frequent flier reward cards.

Everyone gets pitches for reward cards. And we mean EVERYONE. Even pets! Last year over 6 million credit card solicitations were sent out. You alone probably received about 72 offers.

Point-based programs, which let you accumulate points with your purchases and choose your reward through a catalog, are being scaled back.

Meanwhile, more card issuers are offering bigger cash-back rebates for everyday items such as groceries or toothpaste.

For most people, cash-back cards are the way to go since they just don't charge enough to get a free airline ticket - in most cases, you'll have to spend $25,000 a year to earn a domestic flight.

Plus, with the trouble the airline industry has been in, airlines are more likely to raise fees and restrictions on when you can fly.

Get a magnifying glass

Point-based programs aren't such a great value, either, since items in reward catalogs are usually way overpriced, according to Curtis Arnold of CardRatings.com. "If you spend $10,000, you'll get 10,000 points. But in the end, if you're only getting a toaster oven, you're getting shafted," he says.

Yes, it's all in the details. With cash-back cards, you may have to spend a certain amount annually before you get the advertised rebate. In some cases, that can be over $6,500 a year. And beware of caps! There may be a limit to how much you can get back. In some instances, you may be limited to $300 a year.

You also need to get the details when it comes to redeeming your points. Cards may give you a timeline to cash in points. And sometimes you'll have to pick up the phone and call the company to get your rebate check.

Also, don't forget that issuers can change their policy at any time to increase fees or limit rewards with only 15 days' notice.

Tools for negotiation

The credit card industry pays up to $200 to acquire a single customer. In other words, the ball is in your court.

If you have a reward card, or are in the market for a card, you may be able to eliminate some fees by negotiating with your issuer. About 75 percent of cards have some kind of reward program, according to Ben Woolsey of CreditCards.com. So these cards are competing hard for your business.

"Almost anything the consumer doesn't like, they can request relief and card issuers are fairly flexible because it costs so much to acquire a new customer," says Woolsey.

To do some credit-card comparisons of your own, check out some of these Web sites: CardRatings.com, CreditCards.com and CardWeb.com.

http://money.cnn.com/2006/08/09/pf/saving/toptips/

What's the top Gas Reward Credit Card? Pays you back each time you get gas! Next >>