Specific Credit Cards

Wachovia has been on a wild ride these past months. First, the bank had agreed to be acquired by Citi Bank, only to have Wells Fargo swoop in at the last minute and offer a higher amount to the government. While Wachovia customers have endured confusion over what name will be on their next bank statement, there still exists some uncertainty as to whether the new Wachovia will honor its existing rewards programs.

Outside of the issue as to whether Wachovia will honor reward point balances among card holders, even more alarming is the username that's required for accessing your rewards account – your credit card number! No credit card program that we are aware of asks for your credit card number to login for reward redemptions. This is potentially an ideal target for hackers to try and steal credit card numbers.

Wachovia has enough to worry about in terms of losing customers during their transition to under the Wells Fargo umbrella – a major security breach might be the final straw.

Other Resources:

• Should You Cash-In Your Wachovia Rewards Points
• Wachovia Bank

For starters, Walmart possesses the infrastructure, customer base and means to radically shake-up the credit card industry. In a recent story by Business Week, Walmart is considering a move to target its customers with sharply lower interest rates and fees compared to traditional credit card companies such as Capital One, Chase, Bank of America, Discover and American Express. While Walmart’s current response to the rumor is one of “no immediate plans”, there is information to suggest that Walmart has discussed a credit card program with Golden West Financial Group. Additionally, in the past two years, Walmart has filed for a bank charter in Canada and Mexico.

With credit card companies tightening credit standards, Walmart would have a major opportunity to attract potential card holders that might find it difficult getting a new credit card or have received recent changes to their existing credit card account. This includes reduced lines of credit as well as higher interest rates. As the epitome of low price retailer, Walmart claims that the fees it charges for financial products are typically 50% less than the competition.

Walmart has reported a 7.5 percent decline in credit card usage at their stores in 2008. Experts attribute this activity to consumers having no available credit left on their credit cards. The key to executing a successful strategy in profiting from a credit card product isn’t dependent on clever marketing tactics but rather having the right risk assessment formula.

Other Resources:

• Business Week: Next Up - A Wal-Mart Credit Card?

While we don't offer this card anymore, Continental Airlines is offering a nice added reward for being a card holder. With the rise of new fees related to travelling on domestic airlines, Continental airlines has decided to waive luggage fees for credit and debit customers. Those passengers accompanying a Continental Airlines credit card holder will also have their baggage fees waived as well, which could add up to a roundtrip savings of over $100 for a family of four @ $15 per bag.

Other frequent flyer credit cards should take note of this benefit. If you travel frequently and typically need to check a bag, this could add up to some serious savings. You would pay-off the annual fee of $85 for the card in no time.

HSBC credit cards offer many advantages, as well as disadvantages for any individual or family seeking a low cost, low fee credit card to use for their financial expenses. HSBC credit cards offer low rates and no annual fees that are enticing for any person seeking a sensible credit card rate. However, there are hidden aspects behind the mouthwatering credit offerings. The 0% interest and APR offers are laid out on a plate for anyone to enjoy, use, or take advantage of within the first 6 months of the credit card offer. However, the time after that determines the rates and fees that you will continue to pay until the balance is at a staggering zero.

HSBC credit cards will use your credit history and likelihood to repay the creditors as a basis to determine your credit rates and fees. If you are in financial trouble or if you are an “at risk” bad credit card holder, than there is an outstanding likelihood that you will see those rates skyrocket after the 6-month period, and an HSBC credit card may not your best fit.

On the other hand, HSBC credit cards can be useful if your goal and aim is to have good credit, establish good credit, or if you already have good credit. HSBC credit cards for good credit or no credit customers offer great incentives with low rates and interest. As stated before, the rates will increase overtime, however, if you have been proven to be financially responsible, your rates will not be overbearing or ridiculous. HSBC credit cards can help people with no credit by offering low credit limits that make it easy for a person to pay off and establish good credit at any financial basis.

Recently graduated college students, or even high school students should practice this to help establish their credit. This will lead to better car or house deals when searching for a new car or a place to live. One of the first things the lenders look at is the credit history, so it had better be a good one.

First PREMIER® credit cards are both fundamentally sound and financially sensible, in terms of their rewarding offers and their outstanding security. First of all, First PREMIER® credit cards have several options that will fit any individual or family’s lifestyle. In every case, every individual and family have different incomes, lifestyles, debts, and spending habits. These factors should weigh into your decision when choosing the right First PREMIER® credit card for your using.

First PREMIER® credit cards are ideal for any family that travels a lot. Worrying with traveler’s checks and money transfers are both burdensome and time consuming when time is an essence. By using First PREMIER® credit cards while on vacation, you are able to keep your financial documents to a minimum and enjoy the ease and relaxation of being financially protected. With traveler’s checks you have to often worry about thievery, forgery, and other forms of identity fraud. Nothing feels worse than being in another state or city, knowing that someone could be using your hard earned money.

The itemized statements with First PREMIER® credit cards also make it easy to review your trip’s expenses by detail. Knowing what, when, and how much you spent on every element of a vacation can be very important. This is because it will help you plan a better budget and for many more activities in the next family vacation. The First PREMIER® credit cards also make the monthly payments involved with the charges easy and quick. Paying off these monthly balances can often lead to better terms with the card and good reports to the credit bureau.

The great part about these cards are also that good credit and paying off monthly charges will help earn bonus points and travel miles that can be used towards next year’s vacation. With smart planning and understanding the terms, First PREMIER® credit cards can easily be fit into your travel arrangements. But as always, keep financial responsibility and the ability to pay off the card in mind first.

AMEX corporate credit cards are imperative for any business for many reasons - they are useful, resourceful, and profitable for the majority of corporations. First of all, AMEX corporate credit cards make it easy and sensible for any company to send business employees or partners on company trips without any worries. The AMEX corporate cards make business trips easy and affordable, as well as sensible with itemized statements and an easy reimbursement system. Unlike other corporate credit cards, the AMEX corporate credit cards back their ease of use with security and rewards programs.

 

If travel were an everyday occurrence with your business, then it would only be sensible to choose an AMEX corporate credit card that awards frequent flier miles. The more your company travel, the more you will be capable of sending employess (or yourself) on a free trip as the charges are paid off. Paying off the business credit card can also help with your credit reports and the rates and fees offered with future corporate credit cards. The AMEX corporate credit card offers a low APR ranging from 0% to 8%, with low interest and few penalties. The annual fees are also very low, and in some AMEX corporate cards, they are nonexistent.

AMEX corporate credit cards also provide dedicated and detailed itemized statements to keep your trust and business. There will be no hidden or fees or hidden penalties in your payments, just the charges made by your employees or self during the statement period. Unlike other corporate credit cards, hidden fees are often present in an unknowing and increasing rate. By keeping your trust and business, AMEX corporate credit cards will continue to grow their business, increasing their ability to add new rewards programs and financial incentives. Check with your local AMEX website or call by phone to inquire about new incentives or rewards programs offered by AMEX corporate credit cards. It is a decision and a move that you, as an employee or manager, will not regret in the future.

Household bank credit cards are known throughout the industry as some of the most reliable and sure credit cards on the market. With Household Bank credit cards, individuals are offered a wide variety of options. As with any credit card, your privacy and security are of the utmost importance. With Household Bank credit cards, extra security measures are taken both internally as well as externally to protect your identity. In a world of online shopping and electronic transfers, your identity can easily be stolen at any time.

To help recover lost funds through thievery, Household Bank credit cards offer an identity theft insurance that will not hold you responsible for those funds stolen. If you suspect identity theft, it is important that you contact the Household Bank credit card center to report the case. Once the case is reported, your funds will be reimbursed at a timely manner.

Also important with Household Bank credit cards are the great offers and low finance rates. With 0% APR and 0% interest offered for the first 6 months of the card, it is no wonder why Household Bank credit cards are so popular throughout the industry. On top of the low rates, the Household Bank credit cards also offer rewards programs for full payment of balances and for purchases used on the cards.

The types of rewards usually offer with Household Bank credit cards range from bonus points to frequent flier miles. They also offer cash back offers to encourage responsible spending and paying balances in full with your Household Bank credit cards. Paying the balance in full is important, because the credit card company will report periodically to the credit bureau regarding your credit status. This is important because their report will impact your overall credit score, which impacts many elements in your immediate life. If you have a good credit score, chances are you will be capable of getting better offers and terms on any other cards. With Household Bank credit cards, you can rest assured that you will not be in any financial jeopardy as long as you stay fundamentally, and financially sound.

This year, with all the concern over credit and the larger U.S. economy, the most active and searched upon credit card on CompareCards.com is the Citi Platinum Select card. This Citi credit card is for transferring credit card balance from other credit cards or receiving a lower interest rate on purchases. In recent years, many consumers have been most interested in earning rewards, but clearly with consumers having multiple credit cards, they would like to have at least one credit card in their wallet with a low introductory interest rate. From what we have seen, this has been the case with the Citi platinum card.

While Citi Bank offers a variety of rewards credit cards, like the Diamond Rewards or Cash Returns, many credit card consumers using our site are opting for a regular Citi credit card. What we mean by a "regular" Citi card is a credit card without a rewards program. The Citi platinum has become an attractive low interest card for people with good credit. Right now, it has a end-user feedback score of 9.5 which is really high. We have been recommending it this year, but people approved for the card are coming back to say good things. If you would like a citi credit card, how do you know if this is the right Citi card for you? If you are looking for a nice, simple, no-frills credit card with a generous credit line of up to $30,000, then the Citi Platinum is a solid choice.

Like most Citi credit cards, there is no annual fee associated with this card and the exact APR will depend on your credit rating but can be as low as 8.74%. That's a highly competitive rate in the industry. As a new cardmember, you can get 0% APR for an introductory period of 6 or 12 months (typically depending on your credit). You can also take advantage of the introductory period to transfer balances from other cards. As part of your card membership, you will receive Citi Identity Theft Solutions, $0 liability on unauthorized purchases and secure online account management. For a platinum level card with a low apr and introductory rates, its clear that Citi has come to the head of the pack for comparing credit cards online.

Other Resources:

• Citi Bank
• Citi Account Login
• Market Share of Top Ten Credit Card Issuers

 

The Chase Perfectcard is a gas reward card for people with very good credit who want to save more on their gas purchases than a traditional cash back credit card offering one percent. In tradition with Chase bank credit cards, the perfect card gives you more freedom than similar gas reward cards. If you are interested in saving at the pump and don't have a particular loyalty to a particular brand of gas, then a general gas rebate card is great to have in your wallet. With a Chase perfect card, you receive 3% cash back at ANY gas station after the 90 day promotional offer of 6%.

The Chase perfect card can give you immediate gas relief with a promotional rebate of 6% for the first ninety days. And, the Chase Perfectcard goes beyond just gas, offering an unlimited 1% cash rebate on all other purchases. Currently, the only rebate downside is that the maximum that you can earn for gas in a given month is $15. However, if you fill-up 15 gallons per week at $4 gallon ($240 in gas or 60 gallons), your 3% ongoing rebate is $7.20 so you could fill up 120 gallons and still have some rebate left. Other gas reward cards, such as the Discover OpenRoad have a ceiling in terms of the amount of gas dollars that you can spend each month which are subject to a rebate (e.g. $100).

The perfect card also offers travel accident insurance, auto rental insurance and a purchase protection plan so you can feel confident each time you use your card. With the uncertainty of US gas prices likely to continue for the foreseeable future, it only makes sense to have a gas reward card in your pocket.

Other Resources:

• Shell Gas Credit Card
• Citgo Credit Card
• Chevron Credit Card

The Chase Perfectcard is a gas rewards card for people with very good credit who want to save more on their gas purchases. In tradition with flexible Chase credit cards, the Perfectcard gives you more freedom than similar gas reward cards. Similar cards will often tell you where you must use your card and only allow you to make purchases at specific gas stations but with the Chase Perfectcard, you can earn a gas rebate or percentage cash back wherever you choose to purchase gas.

With the Chase Perfectcard MasterCard, you will earn a 3% gas rebate when you use your card to buy gas at any gas station. In addition to this ongoing cash back program, you will also earn a 6% rebate from gas purchases made in the first 90 days. However, there is a catch; the maximum you can earn for gas in any given month is $15. The Chase Perfectcard isn't limited to just gas. You can also earn an unlimited 1% cash rebate on all other purchases made with your Chase Perfectcard.

Additional features of the Chase Perfectcard are access to travel accident insurance, auto rental insurance and a purchase protection plan so you can feel confident each time you use your new mastercard.

Other Resources:

• Gas Credit Cards
• Are Gas Rebate Cards for You?
• Top Tips: Saving Money at the Pump